Axis Bank Privilege Easy Credit Card

Axis Bank Privilege Easy Credit Card offers benefits under multiple categories, including travel, shopping, dining, fuel and more. Additionally, you can also avail reward points on every purchase. Some of the major features and benefits of this credit card are as follows:

Up to 12,500 Reward Points

You can earn up to 12,500 reward points at the time of joining via this credit card. Details regarding the reward points are mentioned below:

• 12,500 EDGE reward points redeemable against shopping or travel vouchers worth Rs. 5,000*
• Double the benefits by spending Rs. 2.5 lakh in a year by converting earned EDGE reward points into shopping or travel vouchers worth twice the value
• 3,000 EDGE reward points at the time of renewal of the card
• 10 EDGE reward points on every Rs. 200 spent

*This is applicable only after the payment of joining fee and completion of 3 transactions within 60 days.

Other Benefits

Apart from the reward points, this card also lets you save on your fuel, dining and travel expenses. With this card, you can also avail insurance benefits of up to Rs. 2.5 crore. Below mentioned are some of the other benefits provided on this credit card:

Airport Lounge Access: 2 complimentary domestic airport lounge access every quarter.

Dining Discount: Up to 20% off at 4,000+ restaurants under Dining Delights.

Fuel Surcharge Waiver: 1% fuel surcharge waiver (Max. Rs. 400 per month) on your transactions between Rs. 400 to Rs. 4,001.

EMI Conversion: Convert purchases of Rs. 2,500 or above into EMI.

Insurance Benefits: You can avail insurance benefits as per the below details:

• Air accident cover of up to Rs. 2.5 crore
• Purchase protection plan of up to Rs. 1 lakh
• Credit shield of Rs. 1 lakh
• Lost travel document cover of up to 300 USD
• Delay in check-in baggage cover of up to 300 USD
• Loss of check-in baggage cover of up to 500 USD

Suggested read: Top Credit Cards in India for 2023

The fees and charges associated with this credit card are mentioned in the table below:

Type of Fee or Charge	Amount
Joining Fee	Rs. 1,500 (Nil for Priority customers)
Annual/ Renewal Fee	Rs. 1,500 (Waived off on spending Rs. 2.5 lakh in a year)
Finance Charges	3.40% p.m. (49.36% p.a.)
Late Payment Charges	For Statement Balance: Up to Rs. 300: Nil Between Rs. 301 to Rs. 500: Rs. 100 Between Rs. 501 to Rs. 1,000: Rs. 500 Between Rs. 1,001 to Rs. 10,000: Rs. 500 Between Rs. 10,001 to Rs. 25,000: Rs. 750 Between Rs. 25,001 to Rs. 50,000: Rs. 1,000 Above Rs. 50,000: Rs. 1,000

The applicant must fulfil the below-mentioned eligibility criteria to apply for this credit card:

Criteria	Details
Minimum Fixed Deposit Amount	Rs. 65,000
Maximum Fixed Deposit Amount	Rs. 25 lakh
Minimum Age Requirement	18 years
Documents Required	Click here to find the list of documents
Serviceable Cities	Click here to check the list of cities

Axis Bank Privilege Easy Credit Card is a secured credit card that is best suited for people who want to avail shopping and travel benefits. With this card, you can earn shopping and travel vouchers worth Rs. 5,000 at the time of joining. Apart from this, you can double your benefits on reaching the spending milestone, by converting your reward points into shopping and travel vouchers worth twice the value. The shopping and travel benefits provided on this card are good as compared to other similar credit cards.

However, apart from shopping and travel, this card also gives basic benefits on dining and fuel categories. You can save up to 20% on dining at top restaurants under the Dining Delights program. This card also lets you save a 1% fuel surcharge waiver on your fuel transactions across all petrol pumps. If we look at the rewards, the rewards rate is also pretty decent, you will get 10 reward points for every Rs. 200 spent via this credit card.

Overall, this is a good option if you frequently travel or shop as it offers more benefits on these two categories. However, if you are looking for a credit card that specially offers shopping benefits, then you can look for other shopping credit cards available in the market. If you want to avail similar benefits and don’t want to apply for a secured credit card, then you can also apply for Axis Bank Privilege Credit Card.

If you are looking for other credit cards that offer decent travel benefits, then you can refer to the cards mentioned in the table below:

Credit Card	Annual Fee	Travel Benefit
Citi PremierMiles Credit Card	Rs. 3,000	Up to 10 Air miles on every Rs. 100 spent*
Axis Bank Vistara Signature Credit Card	Rs. 3,000	4 Club Vistara points for every Rs. 200 spent
HDFC Regalia Credit Card	Rs. 2,500	12 complimentary visits to airport lounges per calendar year within India
MakeMyTrip ICICI Bank Signature Credit Card	Nil	Up to 4 My Cash points per Rs. 200 spent on hotel and flight bookings on MakeMyTrip
HDFC Bank Diners Club Privilege	Rs. 2,500	12 complimentary airport lounge access to 1,000+ lounges across the world

Q. Is Axis Bank Privilege Easy Credit Card a secured credit card?

A. Yes, Axis Bank Privilege Easy Credit Card is a secured credit card that is offered against a fixed deposit. The minimum fixed deposit amount required to apply for this credit card is Rs. 65,000 and the maximum for the same is Rs. 25 lakh.

Q. What is the cash withdrawal fee for Axis Bank Privilege Easy Credit Card?

A. The cash withdrawal fee charged by the bank is 2.5% of the withdrawn amount or a minimum of Rs. 500 (whichever is higher). Therefore, it is advisable not to withdraw cash using a credit card as it can also hamper your credit score.

Q. How can I apply for Axis Bank Privilege Easy Credit Card?

A. You can apply for this credit card through both online and offline modes. To apply online, you can visit the official website of the bank and fill out the application form. In case you want to apply offline, you can visit the nearest Axis Bank branch to fill out the application form.

Q. How can I check the status of my credit card application?

A. You can check the status of your application by visiting the official website of the bank. From the homepage, open the credit card application status page and enter your application number and registered mobile number to get the details. You can also contact the customer care of the bank and ask for your credit card application status.

Q. What should I do if my credit card is lost?

A. In case you lose your credit card, you should report the loss immediately to Axis Bank customer care. The representative will immediately block your credit card to prevent it from any fraud. You can also inform the bank about your loss through the official website.

Q. What is the forex markup fee charged by Axis Bank Privilege Easy Credit Card?

A. The forex markup fee charged by the bank for Axis Bank Privilege Easy Credit Card is 3.50% of the transaction amount.