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Is the Axis Bank Burgundy Private Credit Card Worth It?

Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.

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Axis Bank Burgundy Private Credit Card
Axis Bank Burgundy Private Credit CardView card →
  • Rewards card
  • ₹1,18,000 fee a year (with GST)
  • 6% on most spends
  • Unlimited lounge visits
  • Pays in reward points
Good for
  • frequent flyers: unlimited airport lounge visits
  • spending abroad: 0% markup, most cards add 3.5%
Skip it if
  • you spend less than ₹1,64,000 a month: below that the ₹1,18,000 fee costs more than the rewards
  • most of your spending is fuel, utility bills or government payments: those earn nothing on this card
  • you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • you sometimes pay only the minimum due: interest of 1.5% a month (18% a year) outweighs any reward

Your spend a month, by kind

Terms on the normal rate: 15 EDGE Reward Points per ₹200, ≈6% at the ₹0.80/point this card's 5:4 transfer ratio supports, ≈1.5% on the EDGE catalogue at ₹0.20. Transferable to 24 airline & hotel partners. Rent and insurance carry their own capped rows above.

Also earns nothing on: Gold and jewellery.

Total on the card: ₹0 a month

Abroad and benefits

Every rate on this card, and what your spend earns

Earns nothing onGovernmentFuelUtility billsEMIGold and jewellery

Spend categoryRateMonthly capWhere it appliesYour spend earns
UPI payments (scan and pay)Earns nothing-a Visa or Mastercard card cannot pay by UPI-
Online shopping6%No capThe card's normal rate-
Dining and food delivery6%No capThe card's normal rate-
Groceries6%No capThe card's normal rate-
Travel: flights, hotels, trains6%No capThe card's normal rate-
FuelEarns nothing-earns nothing on this card-
Bills and rechargesEarns nothing-earns nothing on this card-
Rent6%₹6,000All merchants in the categoryTerms: 15 EDGE points per ₹200, but only the first ₹1,00,000 of rent a month earns, Axis caps the eligible rent SPEND, not the points, so 7,500 points expresses that rupee bar in points-
Insurance premiums6%₹4,800All merchants in the categoryTerms: 15 EDGE points per ₹200, capped at 6,000 EDGE points a month on insurance since 20 Apr 2024-
School and college fees6%No capThe card's normal rate-
Wallet top-ups6%No capThe card's normal rate-
Taxes and government paymentsEarns nothing-earns nothing on this card-
Spend abroad or in a foreign currency6%No capThe card's normal rate-
Everything else6%No capThe card's normal rate-

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Common Questions

When is a credit card worth its annual fee?

When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.

Why is GST added to the fee?

Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.

What does 'capped' mean?

Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.

Is a lifetime free card always better?

Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.

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