Axis Bank
Axis Bank Primus Credit Card
Data last verified: 24 October 2026
- Joining fee₹5,00,000 + GST
- Annual fee₹3,00,000 + GST
- Reward rate5% on most spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹5,00,000 + GST
- Annual fee₹3,00,000 + GST
- Forex markup0%
- Interest (APR)1% a month, 12% a year
01Axis Bank Primus Credit Card Rewards and Benefits
02Axis Bank Primus Credit Card Annual Fee and Charges
- Joining fee
- ₹5,00,000 + GST
- Annual fee
- ₹3,00,000 + GST
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 0%
- Interest rate
- 1% a month (12% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 5%₹1,000
- Back each month, ₹12,000 a year₹1,000
- Annual fee with 18% GST−₹3,54,000
- It costs you each year₹3,42,000
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Frequent flyers: unlimited airport lounge visits
- Spending abroad: 0% markup, most cards add 3.5%
Skip it if…
- you hope rewards alone will pay the ₹3,54,000 fee: on everyday spend they never do
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on fuel, utility bills, rent or insurance: the card's terms do not state a rate there, so we count nothing
- you sometimes pay only the minimum due: interest of 1% a month (12% a year) outweighs any reward
04How Axis Bank Primus Credit Card earns Rewards
5% on most spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 5% | No cap | The card's normal rate |
| Dining and food delivery | 5% | No cap | The card's normal rate |
| Groceries | 5% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 5% | No cap | The card's normal rate |
| Fuel | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Bills and recharges | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Rent | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Insurance premiums | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| School and college fees | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Wallet top-ups | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | 5% | No cap | The card's normal rate |
| Everything else | 5% | No cap | The card's normal rate |
Terms on the base rate. 1 EDGE Mile per ₹100 on all spends, no category exclusions; transfers 1:5 to airline & hotel partners (~5% at best on premium redemptions)
Point value. 1 point is worth about ₹5 at the bank's stated value.
05Axis Bank Primus Credit Card Lounge Access and Travel
Domestic lounge access is unlimited, international is unlimited, through Priority Pass with Priority Pass. Guests get 12 visits a year. Unlimited domestic lounge access plus Priority Pass international for primary and add-on cardholders, 12 complimentary guest visits a year, luxury airport transfers and meet-and-greet. Spending abroad carries a 0% forex markup; rewards on it: 5% back (the normal rate). See what it costs on your trip
Also on the card. concierge service, fuel surcharge waiver, golf privileges, hotel membership, airport lounge access, milestone bonuses.
- Concierge service: 24x7 dedicated concierge with preferential access to 10,000+ global restaurants (incl. Michelin & World's 50 Best), plus complimentary Bloomberg and Taj Epicure memberships
- Fuel surcharge waiver: 1% fuel-surcharge waiver on fuel transactions between ₹400 and ₹10,000 per statement cycle, a wider band than the ₹400 to ₹4,000 Axis applies to its other super-premium cards, and fuel earns EDGE Miles here too
- Golf privileges: Unlimited complimentary domestic golf rounds and lessons for the primary cardholder with a guest, plus 4 complimentary international rounds a year
- Hotel membership: One complimentary night (on a minimum 2-night stay) at 900+ luxury properties with room upgrades and breakfast, plus complimentary companion airfare on full-fare First/Business bookings
- Milestone bonuses: Annual renewal offer for primary cardholders of at least 12 months standing, choose either 15,000 EDGE Miles (75,000 partner miles at 1:5) or a ₹20,000 ITC Hotels e-gift voucher, on payment of the annual fee
- Milestone bonuses: Quarterly EDGE Mile milestones, 15,000 Miles on ₹20 to 30L, 25,000 on ₹30 to 50L, 35,000 on ₹50 lakh+ of spend in each calendar quarter (credited within 45 days of quarter-end)
06Recent Changes
What Axis Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 28 Aug 2026 | Reduced: Priority Pass stops working at Indian domestic loungesSource: Axis Bank | Priority Pass accepted at eligible Indian domestic lounges | Credit card + boarding pass only; Priority Pass domestic-invalid in India |
| 20 Dec 2024 | Changed: Finance charge held at 1.00%/month, not swept into the portfolio standardization | 1.00% a month (12.68% p.a.) | 1.00% a month, unchanged, against a far higher portfolio standard |
| 12 Aug 2024 | Changed: Axis Bank and Visa unveil Primus, India's ultra-luxury invite-only metal cardSource: Axis Bank | - | - |
| 1 Aug 2024 | Reduced: Fees more than doubled for cards issued after 31 July 2024Source: Axis Bank | ₹1,80,000 joining + ₹1,80,000 annual (both + GST) | ₹5,00,000 joining + ₹3,00,000 annual (both + GST) |
See this card's change history → · All card changes in August 2026 →
07Cards Similar to Axis Bank Primus Credit Card
Axis Bank Primus Credit Card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Axis Bank Primus Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹5,00,000 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹3,00,000 + GST | Lifetime free | Lifetime free |
| Rewards | 5% on most spends | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | Unlimited | Unlimited | Not included |
| Forex markup | 0% | 0% | 0% |
| Type | Travel | Travel | Dining |
08Explore More
Card facts last verified 24 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your Axis Bank Primus Credit Card Bill
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Common Questions
What is the joining fee for the Axis Bank Primus Credit Card?
The joining fee is ₹5,00,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Axis Bank Primus Credit Card?
The annual fee is ₹3,00,000 + GST.
Does the Axis Bank Primus Credit Card give airport lounge access?
Yes. Domestic lounge access is unlimited, international is unlimited, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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