Privilege Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: Axis Bank
Network: Visa | Tier: Premium
12,500 EDGE Reward points welcome benefit, 10,000 points milestone, 2 domestic lounge visits/quarter
Why Choose the Privilege Credit Card?
The Privilege Credit Card is a Premium-tier Visa credit card issued by Axis Bank, rated 4.2/5 by the Credit Card Hunt editorial team. It is best suited for Mid-range travelers and lifestyle spenders. With a reward rate of 10 EDGE Reward points per ₹200 spent on all transactions and an annual fee of ₹1,500, it ranks among the popular Premium cards in India in 2026.
New cardholders are welcomed with 12,500 EDGE Reward points (worth ₹2,500) upon payment of joining fee, which adds immediate value in the first year.
Privilege Credit Card Fees & Charges
| Annual Fee | ₹1,500 |
|---|---|
| Joining Fee | ₹1,500 |
| Interest Rate | 3.6% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions from ₹400 to ₹4,000 |
Privilege Credit Card Rewards & Benefits
| Reward Rate | 10 EDGE Reward points per ₹200 spent on all transactions |
|---|---|
| Welcome Bonus | 12,500 EDGE Reward points (worth ₹2,500) upon payment of joining fee |
| Lounge Access | 8 complimentary domestic airport lounge visits per year (2 per quarter, subject to spending ₹50,000 in preceding 3 calendar months) |
| Best For | Mid-range travelers and lifestyle spenders |
Key Highlights of the Privilege Credit Card
- 12,500 EDGE Reward points welcome benefit, 10,000 points milestone, 2 domestic lounge visits/quarter
- 10 EDGE Reward points per ₹200 spent on all transactions
- 8 complimentary domestic airport lounge visits per year (2 per quarter, subject to spending ₹50,000 in preceding 3 calendar months)
- 10,000 EDGE Reward points on achieving annual spends of ₹2.5 Lakhs
Privilege Credit Card Eligibility Criteria
- Age: 21-70 years years
- CIBIL score: 750+
- Minimum income: ₹6,00,000/year
Minimum Income Required: ₹6,00,000/year
Advantages of the Privilege Credit Card
- Excellent joining benefit (worth more than fee)
- double rewards on travel spends
- robust milestone options
Drawbacks of the Privilege Credit Card
- Domestic lounge access is spend-conditioned
- low reward redemption value for standard goods
Privilege Credit Card — Frequently Asked Questions
What is the annual fee of the Privilege Credit Card?
The Privilege Credit Card has an annual fee of ₹1,500 and a joining fee of ₹1,500. New cardholders receive 12,500 EDGE Reward points (worth ₹2,500) upon payment of joining fee as a welcome benefit, which helps offset the joining cost.
Does the Privilege Credit Card offer airport lounge access?
Yes — the Privilege Credit Card offers 8 complimentary domestic airport lounge visits per year (2 per quarter, subject to spending ₹50,000 in preceding 3 calendar months).
Who is eligible for the Privilege Credit Card?
The minimum income requirement is ₹6,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Privilege Credit Card?
The Privilege Credit Card earns 10 EDGE Reward points per ₹200 spent on all transactions. It is best suited for Mid-range travelers and lifestyle spenders.
Credit Cards Similar to the Privilege Credit Card
If you are considering the Privilege Credit Card, these premium credit cards are worth comparing before you apply:
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Etihad Guest Premium Credit Card by Bank of Baroda — rated 4.7/5, ₹5,000 annual fee
- EazyDiner Signature Credit Card by IndusInd Bank — rated 4.7/5, ₹2,999 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
Expert Rating: 4.2/5