Eligible spend
2 per ₹100 on eligible spend
Should you get this?
Conditional fit
Why this card
- Up to 5 EDGE Miles / ₹100 on Travel
- You travel frequently and will use the lounge benefits.
- You spend on travel.
Trade-off
Forex markup is 3.5%, so frequent international spends may be costly.
Annual fee ₹5,000 per year
Rewards 2 EDGE Miles / ₹100 base
Lounge access 8 domestic + 4 international visits / year
Forex markup 3.5% high
Compare with American Express Platinum Travel →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend2 EDGE Miles / ₹100Credited as reward pointsDoes not earn on Uncapped
- fuel
- gold jewellery
- government
- insurance
- rent
- utilities
- wallet
Travel5 EDGE Miles / ₹100Credited as reward pointsUncapped
Redemption value
What an EDGE Mile is worth
- Travel₹1 / pt
₹99 redemption fee
Transfers
1 EDGE Mile = 2 partner miles · ₹199 fee per conversion
When does this card pay for itself?
Rewards break-even estimate ₹2.5L
Conservative yearly spend needed at the ₹1-per-point ranking floor.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getCaps
- Uncapped earning — not applicable.
No reward on
- These spends do not earn EDGE Miles: Rent
- Government payments
- Fuel
- Wallet loads
- +9 more
Realisation
Credited as reward points
Costs & fees
Eligibility
Applicant class · age · incomeReported criteria · as stated by sources
Salaried applicant
- Annual personal income
- Above ₹12,00,000
Issuer-stated · not yet decision-readyIssuer source + 1 other source
Self-employed applicant
- Annual personal income
- Above ₹15,00,000
Issuer-stated · not yet decision-readyIssuer source + 1 other source
Supplementary applicant
- Minimum age
- 18 years or older
Reported by secondary sources · verify with issuer1 other source
Evidence only · excluded from decisions
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Milestone spend₹3,00,000yearMilestone benefit
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
- Annual fee is ₹5,000, so value depends on actual usage.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (2 EDGE Miles / ₹100). Up to ~1,000 EDGE Miles/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- Worth ~₹1,000 at the conservative redemption floor
- Annual-fee waiver not offered by issuer
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- 8 per year — via Axis Bank lounge programme · verified 11 Oct 2026 Lounge: No spend requirement.
- International (cardholder)
- 4 per year
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- BankBazaar
- Operator-verified anchor
Rewards
- Base earn
- 2 per ₹100 · verified 20 Jun 2026 value depends on redemption
- Effective return (honest floor)
- ~2% base (conservative redemption) · verified 5 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
- Headline point value
- ₹1.00 per · verified 5 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹5,000
- Joining fee
- ₹5,000 · verified 3 Sept 2026
- Annual-fee waiver
- Not offered
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
- Late-payment charge
- ₹500–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.
International Use
- Forex markup
- 3.5%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Axis official page
- BankBazaar
- Shared Axis Bank In
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- Premium
Travel & perks
Annual journey
Issuer unlock sequenceSilver · Base tier
8 domestic / year · 4 international / year
+2,500 EDGE Miles
at ₹3L spend
Gold
+2,500 EDGE Miles
12 domestic / year · 6 international / year
at ₹7.5L spend
Platinum
+5,000 EDGE Miles
18 domestic / year · 12 international / year
at ₹15L spend
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹4,000.
- Maximum waiver ₹400 per month.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Earning cap: Uncapped earning — not applicable.
Exclusions: 13
These spends do not earn EDGE Miles.
Payments
- Rent
- Government payments
Financial
- Fuel
- Wallet loads
- Insurance premiums
Utilities
- Utilities
Other
- Taxes
- Forex markup
- DCC
- Late fee
- Debit Interest
- Cheque bounce fee
- Gold and jewellery purchases
Redemption & expiry
- Travel redemption: ₹99 redemption fee per redemption
- Travel redemption: ₹199 redemption fee per redemption
Latest update
- Annual fee: ₹5,000.
- Forex markup currently listed at 3.5%.
- 8 per year domestic lounge · 4 per year international.
Common questions
From verified card factsIs this good for lounge access?
8 domestic + 4 international lounge visits/year. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
₹5,000 every year. The issuer does not offer an annual-fee waiver.
When do welcome benefits arrive?
A welcome benefit is listed. Included items: EDGE Miles (2,500 pts) — welcome. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Learn more
Guides matched to this card — not a random syllabus.
- EDGE Rewards
Miles vs points under one programme - Forex markup
Why 3.5% can erase travel rewards - Point transfers
When transferring beats redeeming