Eligible spend
6 per ₹100 on eligible spend
Should you get this?
Conditional fit
Why this card
- Unlimited lounge access is a clear travel strength.
- Forex markup is low at 2%.
- You use airport lounges often.
Trade-off
The annual fee (₹12,500) is waived only when eligible annual spend exceeds ₹25,00,000.
Annual fee ₹12,500 per year
Rewards 6 EDGE Reward Points / ₹100
Lounge access ∞ unlimited domestic + international
Forex markup 2% low
Compare with HDFC Bank Infinia →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend6 EDGE Reward Points / ₹100Credited as reward pointsDoes not earn on Not stated
- fuel
- gold
- government
- insurance
- jewellery
- telecom
- utility
- wallet load
Redemption value
What an EDGE Reward Point is worth
Transfers
Partner transfers at 5:2 (standard) or 5:4 (Burgundy)
When does this card pay for itself?
Rewards break-even estimate ₹10.4L
Conservative yearly spend needed at the ₹0.20-per-point ranking floor.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getVerified value
₹0.2 per point
Headline redemption
No reward on
- Rent
- Government payments
- Fuel
- Wallet loads
- +11 more
Realisation
Credited as reward points
Costs & fees
Eligibility
Applicant class · age · incomeReported criteria · as stated by sources
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
Annual fee waiver₹25,00,000yearAnnual fee waiver
Domestic lounge spend gate₹50,000quarterLounge eligibility
Watch outs
Before choosing this card- Annual fee is ₹12,500, so value depends on actual usage.
- Fee waiver requires spend above ₹25,00,000 annually.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Up to ~3,000 EDGE Reward Points/month if the entire spend qualifies for base earn · uses base/general earn rate. Excluded transactions earn less.
- Worth ~₹600 at the conservative redemption floor
- Fee waiver unlikely at this spend
- Forex cost ~₹1,000 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- Unlimited Condition: ₹50,000 spend in the previous 3 calendar months · Unlimited domestic airport lounge access, gated on minimum spends of ₹50,000 in the previous 3 months. Newly issued cards are exempt for the month of issuance and the following 3 months.
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Axis official page
- CardInsider
- BankBazaar
- Issuer site (verify current terms) , opens external site
- International (cardholder)
- Unlimited
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Axis official page
- CardInsider
- BankBazaar
- Issuer site (verify current terms) , opens external site
- Guest access
- 4 per year
Lounge network
Rewards
- Points per ₹100
- 6 per ₹100 value depends on redemption
- Effective return (honest floor)
- ~1.2% base (conservative redemption) · verified 5 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
- Headline point value
- ₹0.20 per (Headline redemption) · verified 5 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
Fees & charges
Fees
- Annual fee
- ₹12,500
- Joining fee
- ₹12,500 · verified 11 Jul 2026
- Fee waiver spend
- Above ₹25,00,000 · verified 3 Sept 2026 Annual fee waived on eligible anniversary-year spend above ₹25,00,000.
- 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
- 2%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- CardInsider
- Shared Axis Bank In
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- Super-premium
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹4,000.
- Maximum waiver ₹400 per month.
- Fuel transactions do not earn reward points.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshExclusions: 15
These spends do not earn reward points.
Payments
- Rent
- Government payments
Financial
- Fuel
- Wallet loads
- Insurance premiums
Utilities
- Utilities
Other
- Taxes
- Forex markup
- DCC
- Late fee
- Debit Interest
- Cheque bounce fee
- Telecom
- Gold
- Jewellery
Latest update
- Annual fee: ₹12,500.
- Forex markup currently listed at 2%.
- Unlimited domestic lounge · Unlimited international.
Common questions
From verified card factsIs this good for lounge access?
Unlimited domestic lounge + Unlimited international. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 2%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
Fee waiver applies above ₹25,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
Legacy data contains a possible welcome-benefit signal, but the benefit item, qualification, and fulfilment are not verified. Check the issuer welcome email, MITC, and current offer page before relying on it.
Learn more
Guides matched to this card — not a random syllabus.
- EDGE Rewards
Miles vs points under one programme - Priority Pass
Membership, visits and issuer rules - Forex markup
Why 3.5% can erase travel rewards