To access the old website
Click Here
Privilege Easy Credit Card
A Fixed Deposit backed secured credit card with minimal documentation and guaranteed approval. Enjoy the dual benefits of building your credit score while earning interest on your fixed deposit. Ideal for first-time credit card users or those looking to improve their credit history. Hassle-free process with flexible credit limits linked to your deposit.
Features & Benefits
Avail activation benefit, milestone benefit, annual benefits, EDGE REWARDS, waiver on surcharge, and more with the Privilege Easy Credit Card.
Activation benefit
Get 12500 EDGE REWARD points, worth ₹2500 redeemable against vouchers upon levy of joining fees and on completion of 1st transaction within 30 days of card issuance.
Read MoreMilestone benefit
Get additional 10,000 EDGE reward points worth ₹2000 upon achieving spends milestone of ₹2.5 lakhs in a card anniversary year.
Read MoreAnnual benefits
Annual fees of ₹1,500 will be reversed on achieving spends* of ₹5 lakhs in the previous card anniversary year.
Read MoreAccess numerous airport lounges
Two complimentary access per calendar quarter to select domestic airport lounges with Axis Bank Privilege Easy Credit Card.
Read MoreExtraordinary weekends
From being a chef for a day to sailing into the sunset on a yacht, create memories to cherish for a lifetime with the extraordinary weekends.
Read MoreDining delights
Enjoy exceptional dining experiences at top restaurants across India with the Axis Bank Dining Delights Program.
Read MoreFuel up and get a surcharge waiver
Fuel surcharge refund on spends at all fuel stations across India with Axis Bank Privilege Easy Credit Card.
Read MoreEarn Axis EDGE REWARDS
Axis EDGE REWARDS for transactions and 500+ rewards and offers to redeem points. Earn points for these transactions:
Read MoreSpend securely
With an EMV certified chip Credit Card, PIN protection provides advanced security. This chip reduces the possibility of counterfeit and skimming fraud.
Convert purchases to EMI
On any transaction over ₹2,500, contact the bank to convert a big Credit Card purchase into EMIs.
Read MoreComprehensive insurance cover
- Purchase Protection Plan up to ₹1 lakhCredit Shield of ₹1 lakh
Activation benefit
Get 12500 EDGE reward points, worth ₹2500 redeemable against vouchers upon levy of joining fees and on completion of 1st transaction within 30 days of card issuance. Free cards, first year free cards and priority segment customers are not eligible for this benefit.
Click here for detailed terms and conditions.
Milestone benefit
Get additional 10,000 EDGE reward points worth ₹2000 upon achieving spends milestone of ₹2.5 lakhs in a card anniversary year.
Click here for detailed terms and conditions.
Annual benefits
Annual fees of ₹1,500 will be reversed on achieving spends* of ₹2.5 lakhs in the previous card anniversary year.
Spends threshold for annual fee reversal will exclude rent and wallet transactions. The merchant category code of rent is 6513 and wallet is 6540. This revision is effective from 05-03-2023.
Access numerous airport lounges
Two complimentary access per calendar quarter to select domestic airport lounges with Axis Bank Privilege Easy Credit Card.
For complete list of lounges, please click here.
Extraordinary weekends
From being a chef for a day to sailing into the sunset on a yacht, create memories to cherish for a lifetime with the extraordinary weekends.
To book your experience visit or contact the concierge at 08880 023 023.
Dining delights
Enjoy exceptional dining experiences at top restaurants across India with the Axis Bank Dining Delights Program.
Click here for more details and full terms & conditions.
Fuel up and get a surcharge waiver
Fuel surcharge refund on spends at all fuel stations across India with Axis Bank Privilege Easy Credit Card.
Earn Axis EDGE REWARDS
Axis EDGE REWARDS for transactions and 500+ rewards and offers to redeem points. Earn points for these transactions:
For options to redeem points, check the Axis EDGE REWARDS Catalogue.
Convert purchases to EMI
On any transaction over ₹2,500, contact the bank to convert a big Credit Card purchase into EMIs.
To know more, click here.
Comprehensive insurance cover
Terms and Conditions apply. Click here for detailed Cover and Claim Procedure.
Wednesday Delight
Beat the mid-week blues with exciting offers every Wednesday.
Click here to avail the offers
Disclaimer
Fees & Charges
In Privilege Easy Credit Card fees, overdue penalty, fee on cash payment, etc. are applicable as per terms and conditions. However, fees and charges for Privilege Easy Credit Card are waived off for services like mobile alerts. The detailed fee structure is provided below.
Fees & Charges
In Privilege Easy Credit Card fees, overdue penalty, fee on cash payment, etc. are applicable as per terms and conditions. However, fees and charges for Privilege Easy Credit Card are waived off for services like mobile alerts. The detailed fee structure is provided below.
| Privilege Easy Credit Card | Charges |
|---|---|
| Standard Joining Fee | ₹1500 (Nil for Priority Customers only) |
| Standard Annual Fee (2nd year onwards) | ₹1500 |
| Standard Add-on Card Joining Fee | Nil |
| Standard Add-on Card Annual Fee | Nil |
| Finance Charges (Retail Purchases & Cash) | 3.40% per month (49.36% per annum) |
| Cash Withdrawal Fees | 2.5% (Min. ₹500) of the Cash Amount |
| Fee for Cash Payment | ₹175/- |
| Card Replacement (lost or stolen or re-issue) | Nil |
| Duplicate Statement Fee | Waived |
| Overdue Penalty or Late Payment Fee | Nil if Total Payment Due is less than ₹500₹500 if total payment due is between ₹501 - ₹5,000₹750 if total payment due is between ₹5,001 - ₹10,000₹1200 if total payment due is greater than ₹10,000Additional INR 100 on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be applicable for every payment cycle until MAD is cleared. |
| Over Limit Penalty | 2.5% of the overlimit amount (Min. ₹500) |
| Charge Slip Retrieval Fee or Copy Request Fee | Waived |
| Outstation Cheque Fee | Waived |
| Cheque return or dishonor fee or auto-debit reversal | 2% of the payment amount subject to Min. ₹500 |
| Surcharge on purchase or cancellation of Railway Tickets | As prescribed by IRCTC/Indian Railways |
| Fuel Transaction Surcharge | 1% of transaction amount (Refunded for fuel transactions between ₹400 and ₹4000) |
| Foreign Currency Transaction Fee | 3.50% of the transaction value |
| Mobile Alerts for Transactions | Waived |
| Hotlisting Charges | Waived |
| Balance Enquiry Charges | Waived |
| Reward Redemption fee | Waived |
| Rent surcharge fee | 1% of the rental txn amount |
| Dynamic currency conversion markup fee | 1.5% of each international txn plus taxes |
| Education Payment Charges | 1% fee per transaction will be applicable on education payments made via third party apps |
| Wallet Load Transaction Fee | 1% fee will be applicable on cumulative spends of ₹10,000 or more on wallet loads per statement cycle |
| Fuel Transaction Fee | 1% fee will be applicable on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle |
| Utility Transaction Fee | 1% fee will be applicable on cumulative spends of ₹25,000 or more on utilities per statement cycle |
| Online Skill-Based Gaming Transaction Fee | 1% fee will be applicable on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement cycle |
GST, as notified by the Government of India, is applicable on all fees, interest & other charges, and is subject to change as per relevant regulations of the Government of India.
Eligibility
Value Chart
| Privilege Easy Credit Card Value Chart* on Annual Spends of ₹.2,75,000 | |||
|---|---|---|---|
| Benefits of the Privilege Easy Credit Card | Annual Spends Amount (₹.) | Savings Amount (₹.) | Value of the Axis EDGE REWARDS if redeemed against Shopping or Travel Voucher |
Shopping or Travel Voucher on welcome | ₹.5000 | ||
Complimentary access to selected lounges affiliated with Visa,
| ₹.6000 | ||
Rewards on Annual Spends (excluding fuel) | ₹.250,000 | ₹.5,000 | |
up to 15% discount at selected Fine dining restaurants^^^ | ₹.16,000 | ₹.2400 | |
1 % Fuel Surcharge Waiver on monthly fuel spends ^^^^ | ₹.25,000 | ₹.250 | |
Sub Total | ₹.13,650 | ₹.5,000 | |
| Total Annual Savings^ | ₹.18,650 .00 | ||
Total Benefits on the Axis Bank Privilege Easy Credit Card is more than 27,600 (value chart is only for illustrative purpose)
**This is based on the assumption that the customer visits the lounge once every quarter. The cost for a lounge visit is assumed at ₹.1500
^^^ This is based on the assumption that the customer will visit the Dining Delight Restaurants at least twice every quarter. For details on the Dining Delight offers, please visit here.
^^^^ Valid on transactions between ₹.400 and ₹.4000 only. GST charged on fuel surcharge is no-refundable. No reward points are earned on fuel transactions.
^ The Redemption Value Of Each Axis EDGE REWARDS = ₹.0.40 (If Redeemed For Multi brand shopping or Travel Vouchers)
Terms & Conditions
The terms and conditions of Axis Bank Privilege Credit Card will be updated w.e.f. 20th April '24.
Please click here to know more.
Need information on Credit Card services?
A diverse range of services, including rewards, travel perks, fraud protection & more that add value to your transactions.
Swipe your Credit Card into a world of convenience
Related Products
Learning Hub
Look through our knowledge section for helpful blogs and articles.
Copyright@ 2025 Axis Bank