Axis Bank Premium Credit Cards in India 2026

Up to 20% Rewards on Travel Spending

▶︎ Up to 20% on Travel Spending (5 EDGE Miles per ₹100)

• 5% reward: Flight/hotel bookings via Travel EDGE portal (1 Mile = ₹1)
• 10% reward: Airline/hotel partner points conversion (1 Mile = 2 partner points)
• Up to 20% effective reward: Only on premium partners like Accor 
• Monthly cap: ₹2 lakh travel spending
• Eligible: Direct airline/hotel bookings, Axis Travel EDGE portal

▶︎ Up to 8% on General Spending (2 EDGE Miles per ₹100)

• 2% reward: Travel portal redemptions
• 4% reward: Partner points conversion
• Up to 8% effective reward: Only on premium partner transfers like Accor
• Important Exclusions: Gold/jewelry, rent, wallets, government payments, insurance, fuel, utilities, EMI

▶︎ EDGE Miles Redemption Options

Travel Portal (1 Mile = ₹1)

• Instant redemption for flights and hotels
• Guaranteed value through Axis Travel EDGE portal
• No transfer limits or restrictions

Partner Transfer Program

• Conversion: 1 EDGE Mile = 2 partner points (except Marriott: 1:0.5)
• Annual limit: 1,50,000 EDGE Miles total

Group A Partners (30,000 miles limit): Like Singapore Airlines, Qatar Airways, Marriott, Accor

Group B Partners (1,20,000 miles limit): Like Air India, IHG, Vistara, ITC Hotels

Annual Spend-Based Tiers & Benefits

▶︎ Milestone Rewards (Based on Annual Card Spend)

• Spend ₹3 lakh annually (Silver Tier): 2,500 EDGE Miles bonus
• Spend ₹7.5 lakh annually (Gold Tier): 5,000 EDGE Miles bonus
• Spend ₹15 lakh annually (Platinum Tier): 10,000 EDGE Miles bonus

▶︎ Airport Lounge Access (Based on Annual Card Spend)

International:

• Silver Tier (₹3 lakh annual spend): 4 visits/year
• Gold Tier (₹7.5 lakh annual spend): 6 visits/year
• Platinum Tier (₹15 lakh annual spend): 12 visits/year

Domestic:

• Silver Tier (₹3 lakh annual spend): 8 visits/year
• Gold Tier (₹7.5 lakh annual spend): 12 visits/year
• Platinum Tier (₹15 lakh annual spend): 18 visits/year

Additional Benefits

▶︎ Dining Rewards

• 15% discount on restaurant bills via EazyDiner
• Monthly limit: ₹500 savings per transaction
• Minimum spend: ₹2,500 
• Frequency: Once per month, payment through PayEazy

▶︎ Fuel Surcharge Waiver

• Surcharge waiver: Up to ₹400 per month
• Fuel Transaction range: Between ₹400 - ₹4,000 fuel purchases

▶︎ Up to 24% Reward on Travel (Airlines & Hotels via Axis Travel EDGE Portal)

Up to ₹2 lakh monthly spend - 24% reward (in airline/ hotel points)

• Earn 30 EDGE points per ₹100
• Redemption value: 24% for airline/hotel transfers | 6% for vouchers/products
• 💡 Approximately 48% effective reward on select travel partners like Accor 

Above ₹2 lakh monthly spend - 14% reward (in airline/ hotel points)

• Earn 17.5 EDGE points per ₹100
• Redemption value: 14% for airline/hotel transfers | 3.5% for vouchers/products
• 💡 Approximately 28% effective reward on select travel partners like Accor 

▶︎ Up to 14% Reward on Other Purchases

Up to ₹1.5 lakh monthly spend - 4.80% reward (in airline/ hotel points)

• Earn 6 EDGE points per ₹100
• Redemption value: 4.8% for airline/hotel transfers | 1.2% for vouchers/products

Above ₹1.5 lakh monthly spend - 14% reward (in airline/ hotel points)

• Earn 17.5 EDGE points per ₹100
• Redemption value: 14% for airline/hotel transfers | 3.5% for vouchers/products 

Value of Reward Points (EDGE Points)

• Vouchers/Products: 1 EDGE point = ₹0.20
• Partner Transfers: 1 EDGE point = 0.80 partner airline/hotel points

▶︎ Other Benefits

Unlimited Airport Lounge Access

• International: Unlimited via Priority Pass (primary cardholder + 4 guest visits annually)
• Domestic: Unlimited for primary and add-on cardholders (requires ₹50,000 spend in previous 3 months)

Airport Concierge Services

• Meet & Greet assistance 4 times per year
• End-to-end support: check-in, security, immigration, porter services
• Available for primary cardholder and guests

2% foreign exchange fee on international transactions (reduced rate)

Comprehensive Insurance Coverage

• Card Security: Protection up to credit limit for counterfeit/lost card fraud
• Purchase Protection: Up to ₹2 lakhs coverage for theft/damage of card purchases
• Travel Insurance: Up to US$500 for baggage loss/delay and document issues
• Credit Shield: Up to ₹5 lakhs protection for inability to pay due to covered events

Dining Rewards

• 30% discount at EazyDiner restaurants (up to ₹1000)
• Minimum spend: ₹3,000 | Payment via PayEazy app required
• Valid once per month

Fuel Benefits

• 1% surcharge waiver (up to ₹400 per month)
• Valid on fuel transactions between ₹400-₹4,000

Rewards on travel spends (5X) - travel means airline and hotel bookings done through Axis Bank Travel EDGE platform only

• 6% – 12% reward on travel spends upto ₹2 lakhs per month : 30 EDGE reward points (worth ₹6 or 12 points of partner airlines & hotels), on every ₹100 spent in this category
• 3.50% – 7% rewards on travel spends above ₹2 lakhs per month : 17.50 EDGE reward points (worth ₹3.50 or 7 points of partner airlines & hotels), on every ₹100 spent in this category

Note-

• Travel means airline and hotel bookings, done through Axis Bank Travel EDGE platform only
• 1 EDGE reward points = 0.20, and can be redeemed on Axis EDGE rewards platform for vouchers, products and more
• 1 EDGE reward point = 0.40 partner points of partner airlines and hotels

Rewards on all other card spends (X) 

• 1.20% – 2.40% reward on all other card spends up to ₹1.50 lakhs per month : 6 EDGE reward points (worth ₹1.20 or 2.40 points of partner airlines & hotels), on every ₹100 you spent in this category
• 3.50% – 7% rewards on all other card spends above ₹1.50 lakhs per month : 17.50 EDGE reward points (worth ₹3.50 or 7 points of partner airlines & hotels), on every ₹100 spent in this category

Please note-

• No EDGE reward points given on fuel purchases, insurance spends (amount > ₹5000), and wallet recharge
• 1 EDGE reward points = 0.20, and can be redeemed on Axis EDGE rewards platform for vouchers, products and more
• 1 EDGE reward point = 0.40 partner points of partner airlines and hotels

Unlimited complimentary airport lounge access outside India (through the Priority Pass Program)

• Unlimited complimentary lounge access is given to primary cardholders
• You also get complimentary access for your guests, 4 times per year. For availing complimentary guest visits, the primary cardholder must be traveling along with the guest/s

Unlimited complimentary airport lounge access in India

• Unlimited complimentary lounge access is given to primary cardholders and add-on cardholders
• This benefit is valid only if you have spent a minimum of ₹50,000 on your credit card, in the previous 3 months.

Dining discounts: 15% discount (up to ₹500) at EazyDiner restaurants, once a month 

Reduced forex fee of 2% on international transactions

Complimentary insurance coverage

• Counterfeit or lost cards up to the card credit limit
• Purchase protection up to ₹2 lakhs
• Loss or delay in baggage and personal documents (up to US$ 500)
• Credit shield protection up to ₹5 lakhs.

1% fuel surcharge waiver, up to ₹400 per month, only on fuel purchases between ₹400 and ₹4000

Partner offers from Axis Bank – reward multiplier or cashback, discount offers at partners || reward multiplier, discount offers on gift vouchers

• Reward multiplier/cashback offers (you need to choose either rewards multiplier OR cashback) at a variety of partners, on Axis Grab Deals platform - maximum cashback of ₹1000 per month OR 5000 reward points per month
• Cashback and discount offers at select Axis Bank partners (offer conditions mentioned against each offer)
• Discounts on select gift vouchers (there maybe limits on the amount of gift vouchers you can buy of certain brands like Amazon and Flipkart)

Unlimited airport lounge access

• Domestic: Unlimited visits for primary + add-on cardholders + 12 guest visits annually
• International: Unlimited visits for primary + add-on cardholders + 12 guest visits annually

Golf & entertainment

• Golf: 50 complimentary rounds annually
• Movies: 5 free tickets monthly via BookMyShow BOGO (up to ₹500 each)
• Events: 5 free non-movie tickets monthly via BookMyShow BOGO (up to ₹1,000 each)

Premium memberships (complimentary)

• EazyDiner Prime: Restaurant discounts and privileges
• Club ITC Culinaire: Culinary experiences and benefits
• Accor Plus: Hotel benefits across Accor properties
• Club Marriott Asia Pacific: Marriott hotel privileges

15% discount on hotels: Oberoi, Trident Hotels, Postcard Hotels

Reduced forex fee of 1.5%

Fuel & insurance

• Fuel surcharge waiver: Up to ₹400 monthly (on transactions between ₹400-₹4,000)
• Purchase protection: ₹2 lakh coverage
• Travel insurance: USD 500 baggage/document coverage
• Credit shield: ₹5 lakh coverage

1.5%-3% reward on domestic spending

• Cash-equivalent: 7.5 EDGE points per ₹100 = ₹1.50 value (1 point = ₹0.20, on Axis rewards redemption portal)
• Travel partner transfers: 7.5 EDGE points = 3 partner points = 3% value (1 point = 0.40 airline/ hotel partner points)

3%-6% reward on international spending

• Cash-equivalent: 15 EDGE points per ₹100 = ₹3 value
• Travel partner transfers: 15 EDGE points = 6 partner points = 6% value

Important exclusions (no rewards)

• Gold/jewelry, wallets, government, insurance, fuel, utilities
• Card fees, rent above ₹1 lakh monthly
• Rent rewards capped at ₹1 lakh monthly payments

Important travel transfer partners

Airlines

• AirAsia, Air Canada, Air France-KLM, Ethiopian, Etihad, JAL
• Qantas, Qatar Airways, Singapore Airlines, SpiceJet, Thai Airways
• Turkish Airlines, United Airlines, Vistara

Hotels

• Accor, ITC, IHG Hotels & Resorts, Marriott International, Wyndham

Transfer Ratio: 5 EDGE points = 2 partner points (1 EDGE point = 0.40 partner point)

10% cashback on Samsung purchases 

• Cashback limits: ₹5000 per month, ₹20,000 per year
• Valid on online and offline purchases at specified stores 

3% reward on Bigbasket, Myntra, Zomato, Tata 1mg, Urban Company

• 15 reward points worth ₹3, on every ₹100 spent
• 1 EDGE reward point = ₹0.20, and can be redeemed on Axis EDGE rewards platform 

3% reward on international spends 

1% reward on other card purchases  

Domestic airport lounge access: 8 times per year, requires minimum spend of ₹50,000 in the previous quarter

International airport lounge access: 6 times per year

15% discount at EazyDiner restaurants

• 15% discount, up to ₹500
• Minimum transaction value of ₹2500 required
• Offer valid 1 time per month
• Restaurant bill need to be paid through the EazyDiner app (PayEazy)

Complimentary EazyDiner Prime membership for 1 year 

Fuel surcharge waiver, up to ₹500 per month