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Axis Bank Privilege Easy Credit Card
A lighter, more accessible version of the Axis Privilege card built for cardholders who don't clear the standard Privilege's income bar. It's fee-free in year one, then charges ₹750 waived on ₹3L of annual spend, and offers a scaled-down benefit set — one domestic lounge visit per quarter instead of two — while still providing a welcome bonus and fuel surcharge waiver. It works as a gentler on-ramp into Axis's EDGE lifestyle perks rather than a full substitute for the standard Privilege card.
Annual fee
₹1,500
Joining fee
₹1,500
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 680+. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per calendar quarter (8/year)
Benefits by category
- ✈️ Travel
1 complimentary domestic lounge visit per calendar quarter (4/year) — half the standard Privilege card's quarterly allowance
- ⛽ Fuel
Fuel surcharge refund on transactions at fuel stations across India, credited back to the statement
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 680
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹5,00,000
- Rewards redemption fee: ₹99 redemption processing fee applies on EDGE Reward point redemptions for vouchers/statement credit
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: Fuel surcharge refund on transactions at fuel stations across India, credited back to the statement
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
Benefits
- EDGE Reward Points credited on fee payment plus the first transaction made within 30 days of card issuance
- 1 complimentary domestic lounge visit per calendar quarter (4/year) — half the standard Privilege card's quarterly allowance
- Fuel surcharge refund on transactions at fuel stations across India, credited back to the statement
Pros
- + No fee in year one, easing the initial cost of entry
- + Some domestic lounge access (1/quarter) at a lower income bar than the standard Privilege card
- + Fuel surcharge waiver at stations across India
- + Achievable ₹3L annual spend threshold to waive the ₹750 fee from year two
Cons
- − Half the lounge visits of the standard Privilege card (4/year vs. 8/year)
- − Smaller welcome bonus than full Privilege, and no EazyDiner dining or movie-ticket perks
- − Flat 0.5% base reward rate with no category bonuses at all