By: OurMoneyGuide || Last updated on: May 10, 2024

The Axis Bank PRIDE PLATINUM Credit Card is exclusively tailored for Indian Defence Personnel & Government of India employees. It is a personalised card, with shades of the Indian Tricolour.

Brief Summary

Our Rating

3.0 / 5

The card is targeted at the Indian Defence personnel.

The cards comes with a welcome offer of nil annual fee for the 1st year. Annual fee from the 2nd year onwards is waived off at ₹20,000 annual card spend.

Pros & Cons of Axis Bank PRIDE PLATINUM Credit Card

Pros

  • Personalised card , with shades of the Indian Tricolour.
  • Card is virtually lifetime free at ₹20,000 annual card spend

Cons

  • The reward rates on card spending are low.

Features & Benefits of the Axis Bank PRIDE PLATINUM Credit Card

Card is virtually lifetime free at ₹20,000 annual card spend

Annual fee is not charged from the 2nd year onwards, if you spend ₹20,000 or more in the previous year. 

Hence the card is virtually free, if you spend ₹20,000 or more in the previous year.

0.40% benefit on all card spends

You earn 4 EDGE reward points worth ₹0.80, on every ₹200 you spend on all card purchases (meaning ₹0.40 on every ₹100 spent – 0.40% benefit).

No rewards are given on fuel spends.

1 EDGE reward point = ₹0.20 or 20 paise. You can redeem EDGE reward points on Axis Bank EDGE Rewards platform for a range of gift vouchers, products, and more. You can access the Axis Bank EDGE Rewards platform through the Axis Bank EDGE Rewards Portal, mobile app, or Internet banking. Click here for more details.

Reward points are valid for 3 years.

Dining offers in partnership with EazyDiner (Dining Delights Program) : 15% discount (upto ₹500) once a month, at participating restaurants

This program is offered by Axis Bank, in partnership with EazyDiner. You get a 15% discount up to ₹500 on your restaurant orders, at over 4000 restaurants nationwide. For a list of participating restaurants and more information, please visit here. Minimum order amount required is ₹2500. 

Hence you get a 15% discount on orders between ₹2500 and ₹3333. On orders above ₹3333, your discount percentage falls below 15% since the maximum discount is fixed at ₹500. For example, if your order amount is ₹5000, you will get a maximum discount of ₹500 and your discount percentage would be 10%. And if your order amount is ₹1800, you get no discount since the minimum order value to avail the discount is ₹2500.

This offer can be redeemed once every month.

Fuel surcharge waiver, upto ₹250 per month

You get 1% fuel surcharge waiver –
– only on fuel transactions between ₹400 and ₹4000, and
– only on fuel purchases of upto ₹25000 per month (since the maximum waiver amount is fixed at ₹250 per monthly card statement cycle)

You need to meet both the above conditions to get fuel surcharge waiver. GST charged on fuel purchases is not refundable.

Axis Bank 24/7 customer care support

Please click here for all the options to contact the bank for various issues and escalations.

Zero lost card liability

With zero lost card liability, you are protected against any fraudulent misuse of your credit card, from the moment the loss is reported.

Axis Bank PRIDE PLATINUM Credit Card Fees and Charges

Annual fee and annual fee offers

Annual fee
Annual fee offers
1st year joining feeNilWelcome offer : No annual fee is charged in the 1st year.
Renewal fee from 2nd year onwards₹250Renewal fee offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹20,000 or more in the previous year.
(Rent transactions and wallet load transactions will not be eligible for spends counted towards availing annual fee waiver)

Late payment fee

Late payment fees depends on the total payment due. This fee is charged if you do not pay even the minimum amount due on your credit card bill.

Total bill amount dueLate payment charges
Less than ₹500None
Between ₹501 – ₹5000₹500
Between ₹5,001 – ₹10,000₹750
More than ₹10,001₹1200

Foreign currency mark-up fee
3.50% of the transaction amount. This fee is charged when you use your card outside India.

Finance charges
2.95% per month

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all fees & charges on this card, please click here – Axis Bank PRIDE PLATINUM Credit Card Fees & Charges

Eligibility Criteria

Occupation Indian Defence personnel, and Government of India employees
Minimum age18 years
Maximum age70 years
Minimum income requirementsNot specified
Credit scoreNot specified , preferably above 750

Application Process

Step-by-step guide to applying for the card

Online application processThe easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Axis Bank website. You can also visit official website of the bank and fill out the application form.

Steps :
– The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy
– To apply, simply provide your personal details such as your mobile phone number, income, PAN number, along with the required documents
– Review your application and click submit.
– Await confirmation from Axis Bank regarding the status of your application.
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Tracking application statusPlease click here to track the status of your Axis Bank Credit Card application.

Necessary documents and verification

Required documents
– PAN card photocopy or Form 60
– Colour photograph
– Income proof : Latest payslip/Form 16/IT return copy
– Residence proof (any one of the following) : Passport , Ration Card, Electricity bill, Landline telephone bill
– Identity proof (any one of the following) : Passport, Driving license, PAN card, Aadhaar card

Please note that this list is only indicative. Documents required may vary on a case-to-case basis.

Conclusion

In conclusion, the Axis Bank PRIDE PLATINUM Credit Card is a good entry level card targeted at Indian Defence personnel, and Government of India employees. Card is virtually lifetime free at ₹20,000 annual card spend. It offers discounts on a variety of partners- EazyDiner and other exclusive parters listed on Axis Grabdeals platform.

However the reward rates on card spending are low.