Axis Bank Privilege Easy Credit Card
Axis Bank · Open to apply
The fixed-deposit-backed version of the Privilege card (FD from ₹65,000, credit limit 80% of the deposit). Earns 10 EDGE Reward points per ₹200, with 12,500 points on activation, 10,000 more at ₹2.5 lakh a year, two domestic lounge visits a quarter and a ₹1,500 fee that ₹5 lakh of spend reverses. Interest is 3.4% a month.
- Annual fee
- ₹1,500 + GST a year
- Joining fee
- ₹1,500 + GST
- Fee waiver
- Annual fee waived on ₹5,00,000 spend per card year
- Base rate
- 10 EDGE Reward points per ₹200: 10 EDGE Reward points per ₹200 (about 1% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No points on fuel
- No points on gift card purchases
- No points on bridge, road and toll fees
- No points on transactions converted to EMI
Terms the calculator does not value
- The FD earns interest while it secures the card, and the FD stays locked while the card is active. The calculator does not count the deposit's interest or its cost of being tied up.
- The lounge benefit on the product page names no spend condition and Axis's domestic lounge programme does not list Privilege Easy among its eligible cards. If the programme's rule applies, the two visits a quarter need ₹50,000 of spend in the previous three calendar months (waived for the issue month and the next three); the model enters the visits without a condition, as the card's page states them, so it may overstate the lounge value for lower spenders.
- Earn exclusions beyond fuel, gift cards and tolls are not stated on this card's page. The Privilege card's page lists no points on insurance, rent, education, utilities, government, wallet and gold and jewellery; the Easy page does not repeat that, so those spends may earn nothing here too.
- The activation points are not given to free cards, first year free cards or priority segment customers. The calculator assumes a paid card.
Sources
- Axis Bank Privilege Easy Credit Card product page (features, fees, eligibility) (Product page, the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Key Fact Sheet (last updated 2026-10-08) (Schedule of charges, the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Most Important Terms and Conditions (PDF created 2026-10-08) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Axis Bank credit card listing (Product page, the bank's own, read 6 Nov 2026)
- Axis Bank Credit Card against Fixed Deposit page (Product page, the bank's own, read 6 Nov 2026)
- Axis Bank lien and label marking consent for Easy credit cards (Bank notice, the bank's own, read 6 Nov 2026)
- Revision of PRIVILEGE EASY Credit Card Terms and Conditions (effective 2026-08-28 and 2026-11-01; PDF of 2026-07-27) (Bank notice, the bank's own, read 6 Nov 2026)
- Privilege Easy Credit Card milestone benefit terms and conditions (Reward terms, the bank's own, read 6 Nov 2026)
- Axis Bank Credit Cards Domestic Airport Lounge Access Program (Reward terms, the bank's own, read 6 Nov 2026)