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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. For its intended audience, the pitch is straightforward: uncapped mile earning on literally every category of spend, including ones most premium cards exclude like rent and insurance, paired with a concierge and lifestyle program built for private-jet and fine-dining access rather than everyday convenience.
Annual fee
₹3,00,000
Joining fee
₹5,00,000
Reward type
miles
Base reward rate
3%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 780+ whose spend is concentrated in travel, dining. It's worth the annual fee mainly if your miles value clears it.
Rewards & benefits
- Rewards rate: 3% base rate
- Travel: Primus Concierge arranges private jet charters, fine-dining reservations, and luxury hotel bookings; Epicure Program membership included
- Domestic lounge access: Unlimited domestic airport lounge access, no visit cap
- International lounge access: Unlimited international airport lounge access, no visit cap
Benefits by category
- 🍽️ Dining & food delivery
Axis Bank Primus Concierge, a dedicated service arranging private travel (including jet charters), fine dining reservations at globally renowned restaurants, and luxury hotel bookings · Complimentary Epicure Program membership alongside curated luxury lifestyle experiences spanning exclusive events, private dining and bespoke travel itineraries
- ✈️ Travel
Unlimited international and domestic lounge access, with no visit cap or guest-visit ceiling stated, positioning it among the least restrictive lounge benefits on any Indian card
- 🏨 Hotel
Axis Bank Primus Concierge, a dedicated service arranging private travel (including jet charters), fine dining reservations at globally renowned restaurants, and luxury hotel bookings
- 🌍 Forex / international spend
Zero forex markup on all international transactions, uncapped — meaningful given the card's target audience of high-value overseas spenders · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 780
- Minimum monthly income: ₹20,00,000
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Rewards redemption fee: No fee to transfer EDGE Miles to airline partners at the 1:5 ratio
- Foreign currency markup: 0%
- Fuel surcharge waiver: 1% fuel surcharge waiver at fuel stations across India
- Cash advance charges: Preferential cash advance terms available on request; standard 2.5% (minimum ₹500) applies otherwise
Benefits
- Unlimited international and domestic lounge access, with no visit cap or guest-visit ceiling stated, positioning it among the least restrictive lounge benefits on any Indian card
- Axis Bank Primus Concierge, a dedicated service arranging private travel (including jet charters), fine dining reservations at globally renowned restaurants, and luxury hotel bookings
- Complimentary Epicure Program membership alongside curated luxury lifestyle experiences spanning exclusive events, private dining and bespoke travel itineraries
- Zero forex markup on all international transactions, uncapped — meaningful given the card's target audience of high-value overseas spenders
- 1 EDGE Mile per ₹100 (uncapped and unrestricted) on all spend categories including rent, insurance and government payments, transferable to partner airlines at a 1:5 ratio for outsized miles value on premium and first-class redemptions
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
- + No category exclusions on reward earning, unusual even among super-premium cards
- + 1:5 airline transfer ratio makes premium-cabin redemptions disproportionately efficient at very high spend
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
- − No published eligibility criteria makes it impossible to plan or work toward an invitation
Best for
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