AXIS
Axis Bank Primus Credit Card
Good fit for international travel and zero-forex spending — ₹3,00,000 annual fee.
Top reasons to choose this card
- Low 0% forex markup
- Unlimited domestic lounge access
What you'd do with it
- Carry it for frequent domestic airport travel where unlimited lounge access matters.
- Helpful for international spending because forex markup is kept to 0%.
- Good for travel 0% forex · unlimited lounge
- Low forex 0% forex markup
- Strong lounge access Unlimited domestic lounge access
Annual fee ₹3,00,000 per year
Forex markup 0% zero forex
Lounge access ∞ unlimited domestic
Rewards / ₹100 1 pt ₹100
The catch No lounge spend gate is currently flagged. Verify guest/add-on access and current airport lounge list before relying on lounge access.
- Waiver condition missing
- Annual fee known
- Forex markup known
- Unlimited domestic lounge access
- Airport lounge list may change
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹3,00,000 higher than 111 of 112 cards
- Joining fee
- ₹5,00,000
- Forex markup
- 0% among the lowest (10 cards)
- Lounge access
- Unlimited domestic lounge · Unlimited international
- Reward rate
- 1 pt / ₹100
Good fit for
- Good for travel
- Low forex
- Strong lounge access
Not a fit for
- High annual fee (₹3,00,000)
Still worth it?
Evidence-backed snapshotGood fit if
- Forex markup is listed as 0%.
- Unlimited domestic lounge access
Verify before applying
- Annual fee known
- Waiver condition missing
- Forex markup known
- Unlimited domestic lounge access
- Airport lounge list may change
- Monthly interest known
- Welcome benefit timing and claim process.
- Lounge terms to verify: Unlimited domestic lounge access. Verify spend criteria, guest rules, and airport list before relying on it.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward terms to verify: base earn is 1 points per ₹100, but caps, excluded categories, redemption rules, and point value are not fully structured.
Next best move
Compare with HDFC Bank Diners Club Black Similar tier comparison Best Axis Bank credit cards See how this card compares within AXIS. Zero forex credit cards Cards with published 0% international markup. Lounge access shortlist Discovery list of cards with cardholder lounge access. Unlimited lounge cards Cards with unlimited domestic lounge access. Premium credit cards High-fee cards with premium benefits. Best travel credit cards Cards suited for international spend and lounge-heavy travel.
Is this good for lounge access?
Unlimited domestic lounge access. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 0%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
Value depends on usage and waiver terms. GST may apply on the annual fee.
When do welcome benefits arrive?
No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.
Watch outs
Before choosing this card- Reward value is not fully resolved in the current snapshot.
- Annual fee is ₹3,00,000, so value depends on actual usage.
Reward reality
Point value · limits · exclusionsPoint valueNot published by issuer — varies by redemption
Base earn1 points per ₹100
Reward rules
Structured earn rates · eligibility · caps when they bindScopeRateEligibilityLimit
General spend1 pt / ₹100——
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~500 pts/month (base earn · uses base/general earn rate)
- Fee waiver conditions unclear — verify
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- Unlimited — via Axis Bank lounge programme · verified 6 Jul 2026
- International (cardholder)
- Unlimited — via Priority Pass Requires Priority Pass card
- Guest access
- 12 visits/year — shared across domestic & international
- Axis airport lounge access program
- Axis airport lounge access program
Rewards
- Points per ₹100
- 1 pt value depends on redemption
Fees & charges
Fees
- Monthly interest rate
- 1% / month
- Annual fee
- ₹3,00,000
- Joining fee
- ₹5,00,000
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 0%
Single source · verify on issuer site
Where to verify
- Product tier
- Super-premium
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹10,000.
Annual fee break-even math
When does this card pay for itselfAnnual fee is ₹3,00,000 and a clean break-even threshold is not clearly specified in the current snapshot.
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · sources · last refresh- Annual fee: ₹3,00,000.
- Forex markup currently listed at 0%.
- Unlimited domestic lounge · Unlimited international.
Related guide → Priority Pass explained