Shortlist 2–4 cards
Side-by-side comparison of the Axis Bank Primus and the IDFC FIRST Bank Private Reserve. Verify fees, lounge access, forex markup, and base rewards before you apply.
| Feature | Primus | Private Reserve |
|---|---|---|
| Annual fee | ₹3,00,000 | ₹0 Lifetime free |
| Forex fee | 0% | 0% |
| Domestic lounge | Unlimited | Unlimited |
Fees: Private Reserve wins
Confidence: High
Forex: Tie
Confidence: High
Lounge: Tie
Confidence: High
Confidence: High
Start with the constraint you care about most: annual fee (Axis Bank Primus: ₹3,00,000 vs IDFC FIRST Bank Private Reserve: ₹0), forex markup (0% vs 0%), or lounge access (Unlimited vs Unlimited).
Explore: Axis Bank Primus card page · IDFC FIRST Bank Private Reserve card page · best credit cards in India
If this pair is close, these are the next useful side-by-side checks.
Confidence: High
Verify with issuer (opens in new tab)Confidence: High
Verify with issuer (opens in new tab)At ₹50k/month spend:
Illustrative only, using current base rates before caps.
| Primus Axis Bank | Private Reserve IDFC FIRST Bank | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | Unlimited | Unlimited |
| International lounge visits Only available for IDFC FIRST Private Reserve | Not specified | 12/year |
| Forex / International Use | ||
| Forex markup | 0% | 0% |
| Fees | ||
| Annual fee ₹3,00,000 vs ₹0 | ₹3,00,000 | ₹0 |
| Joining fee ₹5,00,000 vs ₹0 | ₹5,00,000 | ₹0 |
| Rewards | ||
| Reward points (base spend) 1 pts/₹100 vs 6 pts/₹150 | 1 pts/₹100 | 6 pts/₹150 |
| Point cash value ₹1 vs ₹0.25 | ₹1 | ₹0.25 |