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Axis Bank Primus Credit Card
Visa
Axis Bank Primus Credit Card
Axis's invite-only ultra-luxury card built with Visa for India's UHNWIs — a ₹5,00,000 joining fee (plus GST) and ₹3,00,000 annual fee put it firmly out of reach for anyone but the wealthiest, and it isn't something you can simply apply for; the bank has to invite you.
Rates and fees last verified 15 July 2026.
Annual fee
₹3,00,000
Joining fee
₹5,00,000
Reward type
miles
Base reward rate
3%
Card network
Visa
Card tier
Super-premium
Benefits by category
- 🍽️ Dining & food delivery
Axis Bank Primus Concierge for private travel arrangements, fine dining and luxury hotel bookings
- ✈️ Travel
Unlimited international and domestic lounge access
- 🏨 Hotel
Axis Bank Primus Concierge for private travel arrangements, fine dining and luxury hotel bookings
- 🌍 Forex / international spend
Zero forex markup on all international transactions · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 780
- Minimum monthly income: ₹20,00,000
- Employment: salaried, self-employed
- Age: 18–70
Benefits
- Unlimited international and domestic lounge access
- Axis Bank Primus Concierge for private travel arrangements, fine dining and luxury hotel bookings
- Complimentary Epicure Program membership and curated luxury lifestyle experiences
- Zero forex markup on all international transactions
- 1 EDGE Mile per ₹100 on all spend categories, transferable to partner airlines at 1:5
Pros
- + Uncapped 1 Mile per ₹100 on literally every spend category, including rent and insurance
- + Genuinely elite concierge and lifestyle benefits (private jets, fine dining access)
- + Zero forex markup and unlimited lounge access
Cons
- − ₹5,00,000 joining fee plus ₹3,00,000 annual fee — among the most expensive cards in India
- − Invite-only; not publicly appliable regardless of income or credit score
- − Value only makes sense at extremely high, sustained spend levels