Best premium cards

5% – 10% special benefit on travel spends
5% benefit
You earn 5 EDGE Miles worth ₹5 , on every ₹100 spent you spend on travel purchases. (since 1 EDGE Mile = ₹1, when you redeem EDGE Miles for airline & hotel bookings on Axis Travel EDGE Portal)

– Travel purchases means airline & hotel purchases done on Axis Travel EDGE Portal , and on direct airline & hotels (not on online and offline travel agents).
– Direct airline spends are purchases made at airline-owned websites, airline counters, and airline helpline numbers. On the other hand, direct hotel spends are purchases made at hotel-owned websites and hotel counters.
– Bookings made through travel agents, including private travel agents, corporate travel agents, online travel agencies, or their websites/IVR systems, are eligible for only 2 Miles for every ₹100 spent (basIC BENEFIT).

10% benefit
You earn 5 EDGE Miles worth 10 partner points (of airlines & hotels) , on every ₹100 spent you spend on travel purchases. Since 1 EDGE Mile = 2 partner points.

If one assumes an average rate of 1 partner point = ₹1, then you get 10% benefit in ₹ terms. The conversion rate could be less, but many people extract a value of much more than ₹1 per partner point. Hence we have mentioned here an average rate of ₹1 per partner point to give you an indication. The conversion rate depends on many factors.

Airline & Hotel partners
– Airline partners: AirAsia, Air Canada, Air France – KLM, Ethiopian Airlines, Etihad Airways, Japan Airlines, Qantas Airways, Qatar Airways, Singapore Airlines, Spicejet, Thai Airways, Turkish Airlines, United Airlines, Vistara
– Hotel partners: Accor, ITC, IHG Hotels and Resorts, Marriott International Wyndham Hotels & Resorts
– On all partners, 1 EDGE Mile = 2 partner points, except Marriott International where 1 EDGE Miles = 1 partner point.

2% – 4% basic benefit on all other spends
2% benefit
You earn 2 EDGE Miles worth ₹2 , on every ₹100 spent you spend on all other purchases. (since 1 EDGE Mile = ₹1, when you redeem EDGE Miles for airline & hotel bookings on Axis Travel EDGE Portal)

4% benefit
You earn 2 EDGE Miles worth 4 partner points (of airlines & hotels) , on every ₹100 spent you spend on all other purchases. Since 1 EDGE Mile = 2 partner points.

Exceptions : you do not earn any EDGE Miles on fuel surcharge waiver transactions, insurance (amount > ₹5000), and wallet recharge.

Renewal fee offers / anniversary & milestone benefits – based on annual spend targets & renewal fee payment
1. If you spend ₹3 lakhs (silver tier) & pay renewal fee of ₹5000 : you get 5,000 EDGE Miles, worth ₹5000 OR worth 10,000 partner points
2. If you spend ₹7.50 lakhs lakhs (gold tier) & pay renewal fee of ₹5000 : you get 10,000 EDGE Miles,
3. If you spend ₹15 lakhs (platinum tier) & pay renewal fee of ₹5000 : you get 15,000 EDGE Miles

As you can see, the card is virtually free is you spend ₹3 lakhs or more per year.

Complimentary international & domestic lounge Access – based on tier based system
International lounges :
– Silver Tier (on annual card spend of ₹3 lakhs) : 4 free visits
– Gold Tier (on annual card spend of ₹7.5 lakhs) : 6 free visits
– Platinum Tier (on annual card spend of ₹12 lakhs) : 12 free visits

Domestic lounges :
– Silver Tier (on annual card spend of ₹3 lakhs) : 8 visits
– Gold Tier (on annual card spend of ₹7.5 lakhs) : 12 visits
– Platinum Tier (on annual card spend of ₹12 lakhs) : 18 visits

Booking process : For international lounge access, you need to book via the Axis Bank mobile app. And for domestic lounge access, you have two options: book through the Axis Bank mobile app or swipe your card at the lounge (a non-refundable transaction of ₹2/- will be made on the credit card for authentication).

Complimentary concierge services – for Gold & Platinum Tier cardholders only
Gold and Platinum tier cardholders are eligible to enjoy complimentary concierge services.
– Gold Tier : 2 times
– Platinum Tier: 4 times

Silver-tier cardholders do not have access to complimentary concierge services.

Complimentary airport pick up services – only for Platinum Tier cardholders

✔︎ On spends upto 1.50 lakhs spend per month
6% – 12% special benefit on travel spends, via Travel EDGE (5X)
■ 6% benefit on travel spends – if you redeem reward points for cashback : You earn 30 EDGE reward points worth ₹6 , on every ₹100 you spend on travel. (since 1 EDGE reward point = ₹0.20 or 20 paise cashback)
■ 12% benefit on travel spends – if you redeem reward points for partner points of airlines & hotels : You earn 30 EDGE reward points worth 12 partner points (of airlines & hotels) , on every ₹100 you spend on travel. Since 5 EDGE reward points = 2 partner points, OR 1 EDGE reward point = 0.40 partner points.
■ Travel bookings need to be done on Travel EDGE, a travel portal from Axis Bank on which it offers the best deals on flights & hotels from various travel suppliers.

1.20% – 2.40% benefit on all non-travel spends (X)
■ 1.20% benefit on all non-travel spends – if you redeem reward points for cashback : You earn 6 EDGE reward points worth ₹1.20 , on every ₹100 you spend on all non-travel spends. (since 1 EDGE reward point = ₹0.20 or 20 paise cashback)
■ 2.40% benefit on all non-travel spends – if you redeem reward points for partner points of airlines & hotels : You earn 6 EDGE reward points worth 2.40 partner points (of airlines & hotels) , on every ₹100 you spend on all non-travel spends. Since 5 EDGE reward points = 2 partner points, OR 1 EDGE reward point = 0.40 partner points.
■ Exceptions : You do not earn any EDGE Miles on fuel surcharge waiver transactions, insurance spends (amount > ₹5000), and wallet recharge.

If one assumes an average rate of 1 partner point = ₹1, then you get 10% benefit in ₹ terms. The conversion rate could be less, but many people extract a value of much more than ₹1 per partner point. Hence we have mentioned here an average rate of ₹1 per partner point to give you an indication. The conversion rate depends on many factors.

✔︎ On spends above 1.50 lakhs spend per month
17.50% – 35% special benefit on travel spends, via Travel EDGE  (5X)
■ 17.50% benefit on travel spends – if you redeem reward points for cashback : You earn 87.50 EDGE reward points worth ₹17.50, on every ₹100 you spend on travel. (since 1 EDGE reward point = ₹0.20 or 20 paise cashback)
■ 35% benefit on travel spends – if you redeem reward points for partner points of airlines & hotels : You earn 87.50 EDGE reward points worth 35 partner points (of airlines & hotels) , on every ₹100 you spend on travel. Since 5 EDGE reward points = 2 partner points, OR 1 EDGE reward point = 0.40 partner points.
■ Travel bookings need to be done on Travel EDGE, a travel portal from Axis Bank on which it offers the best deals on flights & hotels from various travel suppliers.

3.50% – 7% benefit on all other spends (X)
■ 3.50% benefit on all non-travel spends – if you redeem reward points for cashback : You earn 17.50 EDGE reward points worth ₹3.50 , on every ₹100 you spend on all other purchases. (since 1 EDGE reward point = ₹0.20 or 20 paise cashback)
■ 7% benefit on all non-travel spends – if you redeem reward points for partner points of airlines & hotels : You earn 17.50 EDGE reward points worth 7 partner points (of airlines & hotels) , on every ₹100 you spend on all other purchases. Since 5 EDGE reward point = 2 partner points, OR 1 EDGE reward point = 0.40 partner points.
■ Exceptions : You do not earn any EDGE Miles on fuel surcharge waiver transactions, insurance spends (amount > ₹5000), and wallet recharge.

Airline & Hotel partners
■ Airline partners : AirAsia, Air Canada, Air France – KLM, Ethiopian Airlines, Etihad Airways, Japan Airlines, Qantas Airways, Qatar Airways, Singapore Airlines, Spicejet, Thai Airways, Turkish Airlines, United Airlines, Vistara
■ Hotel partners : Accor, ITC, IHG Hotels and Resorts, Marriott International Wyndham Hotels & Resorts

✔︎ Unlimited complimentary airport lounge access – both in India and abroad
International lounges
You enjoy unlimited complimentary international lounge visits through the Priority Pass Program. You are allowed 8 guest visits per calendar year. To access eligible lounges, please visit www.prioritypass.com.

Domestic lounges
– You enjoy unlimited complimentary domestic lounge visits in India, including your add-on card holder.
– You need to swipe your Axis Bank Magnus Credit Card at the eligible airport lounges to avail your free visits. A transaction of Rs.25/- will be made on the credit card for authentication, which will be reversed within 24 working hours.
– For full details and list of lounges, please click here Axis Magnus Domestic Lounges Program. And refer to section called ‘participating lounges for Set B’.

✔︎ Complimentary airport concierge service – 8 times per year
– You receive complimentary Airport Meet & Greet Services (includes assistance with airport processes like check-in, security check, immigration, and porter services) – 8 times per year
– You can use the services for yourself and your accompanying guests.
– The services are valid for domestic and international departures/arrivals at 16 airports across India.
– Bookings must be made at least 48 hours in advance.

✔︎ Entertainment benefits
BookMyShow Benefits
– You get upto ₹500 off on the second ticket , when you purchase one ticket
– This offer is valid on both movie or non-movie bookings
– You can use this offer upto 5 times within the same month

EazyDiner Benefits (Axis Bank Eazy Diner Program)
– You enjoy a 40% discount (up to ₹1000), at partner restaurants all over India.
– Minimum order amount of ₹2500
– Offer is valid once a month

3.75% special benefit on travel spends (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on travel (since 1 reward point = ₹0.25)

3.75% special benefit on ‘online shopping’ (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on ‘online shopping’ (since 1 reward point = ₹0.25)

3.75% special benefit on dining spends (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on dining (since 1 reward point = ₹0.25)

3.75% special benefit on international transactions (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend outside India (since 1 reward point = ₹0.25)

0.75% basic benefit on all other spends : You earn 3 reward points worth ₹0.75 (75 paise), on every ₹100 you spend on all other purchases (since 1 reward point = ₹0.25), except the below 2 categories –
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1.5 reward points worth 37 paise, on every ₹100 you spend. For full list and details please click here – list of special MCCs

Milestone privileges : Upto 1.50% additional benefit – on achieving 2 spend targets
You earn –
– 10,000 points worth ₹2,500 – at ₹50,000 spend target, within 60 days of card issuance date
– 20,000 points worth ₹5000 – at 5 lakhs yearly spend
Hence  you can earn a total of 30,000 bonus reward points worth ₹7,500, if you reach both the above spend targets on your card

Unlimited complimentary visits to airport lounges in India : You enjoy unlimited domestic lounge access throughout India.

Low foreign exchange conversion fee of 2% – on international spends : You enjoy a reduced forex markup fee of 2% on international transactions, while you earn 3.75% benefit rate on these spends

1 complimentary movie ticket per month – at Paytm Movies : You get Buy One Get One Free Movie Offer (BOGO) – at Paytm Movies
– You need to book at least 2 movie tickets , at one time
– 2nd movie ticket is free, upto maximum ₹250 off
– You can enjoy this offer maximum 1 time per month
Hence you can get movie tickets worth ₹3,000 every year (₹250 per month)

Complimentary 6-month FitPass Pro membership : You get a 6-month FitPass Pro membership worth ₹15,000.

Complimentary golf rounds & golf lessons :
Cardholders who have Mastercard version of card-
– 4 free golf rounds per year (not more than 1 free golf round per month)
– 12 free golf lessons per year (not more than 1 free golf lesson per month)

Cardholders who have Visa version of card
– 4 free lessons per year (but not more than 1 free golf lesson per quarter)
– 15% discount on golf rounds

1% fuel surcharge waiver : You get a 1% fuel surcharge waiver at all fuel stations across India –
– only on fuel transactions between ₹400 and ₹5,000 AND
– only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Complementary personal accidental death cover : You get a complimentary ‘personal accidental death cover’ (in the unfortunate event of death during travel) – providing coverage of ₹1 crore for air travel,  ₹10 lakhs for non-air travel.

1% – 3.33% basic benefit rate on all purchases.
■ 3.33% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
■ 1.66% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
■ 1% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.
Note – no reward points are given on rent payments & property management services, government transactions, fuel purchases, EMI transactions, and e-wallet loading transactions

3% – 10% special benefit rate on
– Flipkart purchases
– rail tickets bookings
(done via HDFC Smartbuy platform)
■ 10% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
■ 5% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
■ 3% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.

5% – 16.6% special benefit rate on
– buying instant vouchers
– flights & bus booking
– Apple purchases
(done via HDFC Smartbuy platform)
■ 16.6% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
■ 8.3% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
■ 5% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.

10% – 33.33% special benefit rate on
– hotels booking
– purchases on gifting website – IGP.com
(done via HDFC Smartbuy platform)
■ 33.3% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
■ 16.6% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
■ 10% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.

Limits & Restrictions on 3X-10X accelerated rewards : You can earn a maximum of 15,000 special reward points per calendar month on the 3X – 10X categories described above.

Unlimited complimentary airport lounge access – both within India and abroad :
– You enjoy unlimited complimentary lounge access at airports within and outside India.
– International lounge access is available at 1,000+ airport lounges using Priority Pass. This benefit is also available for add on cardholders.

Unlimited free golf rounds in India & abroad. And unlimited free coaching lessons in India :
– You enjoy unlimited complimentary golf games at top courses across India , and select courses worldwide.
– Additionally, you enjoy unlimited complimentary golf coaching at chosen golf courses in India.

Hotel & dining with ITC Hotels :
– You can enjoy a 3-night stay at participating ITC hotels, and only pay for two nights.
– Additionally, you get a 1+1 complimentary buffet offer at participating ITC Hotels across India.

Club Marriott Membership for 1 year : You receive a complimentary one-year Club Marriott Membership, granting you exclusive privileges such as:
– 15-20% discount on food and beverage bills at restaurants, for a maximum of 10 guests
– Upto 20% discount on best available room rates at participating Marriott hotels in India, and on weekend rates in Asia Pacific.
– 20% discount on spa services at select participating Marriott hotels in India, from Monday to Friday.

Complimentary insurance benefits 
– accidental air death cover worth ₹3 crore
– emergency overseas hospitalisation coverage of up to ₹50 lakhs
– lost card liability cover of up to ₹9 lakhs.

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– only on fuel transactions between ₹400 and ₹1,00,000 AND
– on upto ₹1,00,000 fuel spend per month, since the maximum waiver is capped at ₹1000 per monthly card statement cycle

Dining benefits : You get a 15% discount (capped at ₹1000) on all bill payments via Swiggy Dineout at 20,000+ restaurants , and a complimentary Swiggy One Membership Upgrade.

2.50% special benefit – on departmental stores, grocery and dining spends : You earn 10 reward points worth ₹2.50, on every ₹100 you spend on dining, departmental stores, and grocery spends. 1 reward points = ₹0.25 (25 paise), and can be redeemed for cashback.

0.50% basic benefit on all other purchases : You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases, except fuel purchases. On fuel purchases, you earn no reward points. 1 reward points = ₹0.25 (25 paise), and can be redeemed for cashback.

Milestone Privileges : Upto 1.50% additional benefit – on achieving 4 yearly spend targets : You earn –
▪︎ 10,000 points worth ₹2,500 – at 3 lakhs yearly spend
▪︎ Additional 10,000 points worth ₹2,500 – at 4 lakhs yearly spend
▪︎ Additional 15,000 points worth ₹3,750 – at 5 lakhs yearly spend
▪︎ Additional 15,000 points worth ₹3,750 – at 8 lakhs yearly spend
(1 reward point = ₹0.25 or 25 paise)
Hence you can earn a total of 50,000 points worth ₹12,500 – at 8 lakhs yearly spend.
(1 reward points = ₹0.25 (25 paise), and can be redeemed for cashback).

Complimentary visits to airport lounges in India – upto 2 times per quarter
– If you have the Visa version of SBI Elite Credit Card, please click here for details
– If you have the Mastercard version of SBI Elite Credit Card, please click here for details
– If you have the American Express version of SBI Elite Credit Card, please click here for details

Complimentary visits to airport lounges outside India – upto 6 times per year
– The program is brought to you by Priority Pass, one of the leading airport lounge programs in the world, and has tie ups with more than 1000 airport lounges worldwide
– You get complimentary Priority Pass Membership worth $99
– You get 6 free airport lounge visits per year, with a maximum of 2 visits per quarter

Low fee of 1.99% – on international spends : You enjoy one of the lowest foreign transaction fee of 1.99%, on the value of all foreign currency transactions

Complimentary Club Vistara SILVER Membership
– You enjoy a complimentary Club Vistara Silver membership (instead of Club Vistara Base membership for new joinees), which comes with exclusive benefits.
– You receive 1 complimentary upgrade voucher
– You earn 9 Club Vistara Points for every ₹100 spent on your Vistara flights
– Priority airport check-in – at premium economy check-in counter
– Increased check-in baggage allowance
– For full list of benefits, please click here – Club Vistara Silver VS Base membership

Complimentary Trident Privilege membership : You enjoy a complimentary Trident Privilege Red Tier membership, along with exclusive perks & benefits
– You enjoy 10% instant savings on bookings made through the hotel website.
– Upon registration, you receive 1000 welcome points as a bonus.
– You get 1500 bonus points on your first stay, and an additional ₹1000 hotel credit if you extend your stay
– During your stay at participating hotels, you earn 10 points for every ₹100 spent (excluding taxes)

2 complimentary movie tickets per month – at Bookmyshow : You get Buy One Get One Free Movie Offer (BOGO) – at Bookmyshow
– You need to book at least 2 movie tickets , at one time
– 2nd movie ticket is free, upto maximum ₹250 discount
– You can enjoy this offer maximum 2 times per month
– Hence you can get free movie tickets worth ₹6,000 every year (₹500 per month)

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– only on fuel transactions between ₹500 and ₹3,000 AND
– only on upto ₹25000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Fraud Liability Cover : You get a complimentary credit card fraud liability cover – of ₹1 lakh.