Best Axis Bank Premium Credit Cards

Credit cards used to just be plastic rectangles that helped you buy stuff when you were short on cash. But today? They're flex-worthy lifestyle tools. From airport lounges to luxury hotel stays and high-end dining, "premium" credit cards are all about upgrading your experience while you spend.

Axis Bank has been building one of the most diverse premium card portfolios in India. Whether you're new to the credit game or already racking up reward points like a pro, there's probably a shiny Axis card with your name on it.

In this article, we break down Axis Bank's top-tier credit cards, from the entry-level Platinum to the ultra-exclusive Burgundy Private. What do they offer? Who are they for? And, more importantly, are the perks worth the price?

If you've ever wondered what separates a regular credit card swipe from a power move, read on. Because not all credit cards are created equal, and Axis seems to know that better than most.

Let's decode them, one premium swipe at a time.

Table of Contents

• What Are 'Premium' Credit Cards?
• Axis Bank's Premium Credit Card Portfolio
  • Axis Bank Platinum Credit Card
  • LIC Axis Bank Platinum Credit Card
  • Axis Bank Privilege Credit Card
  • Axis Bank Magnus Credit Card
  • Axis Bank Reserve Credit Card
  • Axis Bank Burgundy Private Credit Card

What Are 'Premium' Credit Cards?

Premium credit cards are designed for more than just everyday transactions. They offer a curated mix of lifestyle, travel, and financial benefits that cater to individuals with higher income and refined preferences.

The premium credit cards Axis Bank offers go beyond the standard (obviously). They stand out with a distinct set of features. These cards usually have higher annual fees. However, their exclusive benefits justify these costs. 

Such perks often include preferential airport lounge access, dedicated concierge services, and bespoke dining programmes. You also get exclusive golf experiences. Additionally, Axis Bank premium credit card benefits include higher reward earning rates, providing more value for your spending.

Eligibility is usually stricter for these cards. They target High-Net-Worth Individuals (HNIs) or those with significant incomes and sophisticated spending habits. The ultimate aim is to provide a holistic lifestyle and travel experience.

Axis Bank's Premium Credit Card Portfolio

Axis Bank has carefully developed a diverse range of Axis Bank premium credit card options. Each is strategically designed to appeal to specific affluent market segments. This multi-tiered approach helps the bank meet a wide range of customer preferences and financial capabilities.

The bank's premium offerings include:

• Axis Bank Platinum credit card: An entry-level premium option. It offers basic benefits like movie ticket cashback and dining discounts. This Axis Bank premium credit card is suitable for everyday premium use.
• LIC Axis Bank Platinum credit card: A co-branded card for LIC policyholders. It provides accelerated reward points on premium payments.
• Axis Bank Privilege credit card: A mid-tier Axis credit card premium offering. It is known for milestone benefits, complimentary lounge access, and various lifestyle privileges.
•  Axis Bank Vistara credit card (Signature and Infinite variants): These are co-branded travel cards for frequent Vistara Airlines flyers. They offer complimentary flight vouchers and airline-specific advantages.*
• Axis Bank Magnus credit card: An Axis Bank super-premium credit card offering. It is popular for its extensive travel, lifestyle, and reward benefits. This Axis Bank most premium credit card appeals to high spenders.
• Axis Bank Reserve credit card: This card represents the ultra-premium segment. It provides unparalleled luxury experiences, global travel benefits, and high-value financial privileges.
• Axis Bank Burgundy Private credit card: An exclusive offering for Burgundy Private clients. It includes zero foreign exchange markup, elevated reward rates, and bespoke lifestyle benefits for ultra-high-net-worth individuals.

*The Axis Bank Vistara credit card is not discontinued, but major benefits have been withdrawn effective 18 April 2025, following the merger of Vistara and Air India.

This varied range shows Axis Bank's deep understanding of the affluent market. The bank segments customers by income, lifestyle, and spending to create targeted value. This strategy helps it reach a wider demographic and build customer loyalty. 

Now that you've had a quick overview of Axis Bank's premium credit card range, let's explore the features and details of each card.

Axis Bank Platinum Credit Card

This Axis Bank premium card is an entry-level premium option. It's an ideal choice if you are looking for basic premium benefits and rewards on daily spending, especially for movies and dining. This card provides a secure payment solution with added lifestyle perks.

Key features

• Cashback on movie tickets: Get 25% cashback on online and box office movie tickets. This is capped at ₹1,000 per calendar year. No reward points are earned on these transactions.
• Dining delights: Enjoy a minimum of 15% off at Axis Bank's partner restaurants across India.
• Fuel surcharge waiver: A 1% fuel surcharge waiver applies to fuel transactions between ₹400 and ₹4,000. The maximum benefit is ₹400 per statement cycle. GST on fuel surcharge is not refundable.
• High security: The card comes with an EMV-certified chip and PIN protection for better security.
• Convert purchases to EMI: Any transaction over ₹2,500 can be converted into Equated Monthly Instalments (EMIs).
• EDGE REWARDS: Earn 6 points for every ₹200 spent in India and 12 points for every ₹200 spent internationally. You also get a bonus of 100 points on your first online transaction.
• Wednesday delight: Enjoy exclusive offers every Wednesday. These include up to 15% savings on flights and hotels via Goibibo and MakeMyTrip, and 10% off on Swiggy and Amazon Fresh orders.

Charges

• Joining fee: ₹500
• Annual fee: ₹200
• Annual fee waiver threshold: ₹1 lakh

Who is it best for

This card is for individuals looking for an entry-level Axis premium card with benefits focused on movies, dining, and everyday spending.

LIC Axis Bank Platinum Credit Card

This is a co-branded premium offering. It's specifically designed for Life Insurance Corporation (LIC) policyholders. Its main appeal is accelerated reward points on LIC premium payments. It also includes standard Axis premium card benefits.

Key features

• Accelerated reward points: Earn 2 reward points for every ₹100 spent on LIC premium payments and foreign currency transactions.
• Comprehensive insurance cover: This includes complimentary lost card liability insurance cover up to your credit limit.
• Fuel surcharge waiver: Get a 1% waiver on fuel purchases between ₹400 and ₹4,000. This is capped at ₹400 per month.
• Axis Bank Dining Delights: Enjoy up to 20% off at over 4,000 partner restaurants across India.
• Convert purchases to EMI: Transactions of ₹2,500 or more can be converted into easy EMIs.
• Wednesday delight: Offers similar to other Axis Bank premium card options, including savings on flights, hotels, and food delivery.

Charges

• Joining fee: ₹0
• Annual fee: ₹0
• Annual fee waiver threshold: NA

Who is it best for

This card suits LIC policyholders who want to fast-forward rewards on their premium payments and general everyday spending.

Axis Bank Privilege Credit Card

This is a mid-tier offering. It's for individuals who want a balance of lifestyle benefits, travel perks, and strong reward earning potential. This card is designed for those with significant annual spending who can use milestone benefits and fee waivers.

Key features

• Buy one, get one movie ticket offer: Get a 100% discount on your second movie ticket. Book via the District app, capped at ₹250, once a month.
• Annual fee waiver: The fee is waived if you spend ₹5,00,000 in a card anniversary year. This excludes certain transaction categories like utility & telecom, rent, and wallet.
• Milestone benefit: Earn an extra 10,000 EDGE REWARD points (valued at ₹2,000). You get this when you spend ₹2.5 lakh in a card anniversary year.
• Airport lounge access: Get 2 complimentary domestic lounge accesses per calendar quarter. You need to spend ₹50,000 in the prior three months.
• Dining Delights: Enjoy discounts of ₹800 or more through the Axis Bank Dining Delights programme with EazyDiner.
• Fuel surcharge waiver: Get a fuel surcharge refund on spends between ₹400 and ₹4,000. The maximum is ₹400 per statement cycle.
• Axis EDGE REWARDS: Earn 10 points for every ₹200 spent in India or internationally. This excludes Insurance, rent, fuel, and other categories.
• Purchase protection and insurance: Includes a purchase protection plan up to ₹1 lakh. You also get a credit shield of ₹1 lakh and various travel-related covers.
• Activation benefit: Receive 12,500 EDGE REWARD points (valued at ₹2,500). This applies upon payment of joining fees and your first transaction within 30 days of card issuance.
• Wednesday Delight offers: Instant savings on flights, hotels, and food delivery.

Charges

• Joining fee: ₹1,500
• Annual fee: ₹1,500
• Annual fee waiver threshold: ₹5 lakh

Who is it best for

This Axis Bank credit card suits individuals with significant annual spending. They can leverage milestone benefits, travel perks, and fee waivers effectively.

For those seeking a balanced combination of lifestyle perks and travel rewards, the Axis Bank Privilege Credit Card may offer just the right mix of benefits at a reasonable fee.

Axis Bank Magnus Credit Card

This Axis Bank most premium credit card is a super-premium offering. It's designed for high-net-worth individuals and frequent travellers. 

It’s well-known for its extensive luxury lifestyle benefits, wide airport lounge access, and a strong reward programme. This card comes in a metal variant, highlighting its premium status.

Key features

• Travel benefits: Enjoy unlimited complimentary international lounge access via Priority Pass. There's no limit to domestic lounge access either ( however, to avail this feature, you need to spend ₹50,000 in the previous three months). There's a reduced markup fee of 2% on foreign transactions. 
• Reward points: Earn 12 Axis EDGE Reward points for every ₹200 spent up to ₹1.5 lakh. You get an accelerated rate of 35 EDGE Reward points per ₹200 on spends above ₹1.5 lakh. Earn 5X EDGE Rewards on travel spends via Travel Edge, and points can be converted to partner miles.
• Dining benefit: Enjoy up to 30% discount at over 4,000 restaurants across India. This is through the Axis Bank Dining Delights programme.
• Fuel surcharge waiver: A 1% fuel surcharge waiver for transactions between ₹400 to ₹4,000 up to ₹400.
• Insurance cover: Credit shield cover worth ₹5 lakh and purchase protection worth ₹2 lakh.

Charges

• Joining fee: ₹12,500
• Annual fee: ₹12,500
• Annual fee waiver threshold: ₹25 lakh

Who is it best for

This Axis Bank super premium credit card is for high-net-worth individuals and frequent travellers. They will benefit from its luxury lifestyle perks, extensive lounge access, and robust reward programmes.

For those seeking ultra-premium benefits with high travel rewards, the Axis Bank Magnus Credit Card could be an excellent match, especially for frequent flyers and luxury travellers.

Axis Bank Reserve Credit Card

This premium Axis Bank credit card is an ultra-premium offering. It's designed to provide exclusive privileges and indulgences for a select group of clients. It targets individuals who want unparalleled luxury, comprehensive global travel benefits, and high-value financial advantages.

Key features

• Travel experiences: You get a complimentary Priority Pass membership with unlimited visits to international lounges. Unlimited domestic lounge visits are also provided.
• Hospitality and dining: Offers memberships to Club ITC Culinaire, Accorplus, andthe  handcrafted Club Marriott Asia Pacific. You get exclusive offers at Oberoi hotels and resorts. Plus, enjoy 15% savings at Postcard hotels. Complimentary EazyDiner Prime membership is also included.
• Lifestyle and entertainment: Complimentary golf rounds. You also get complimentary tickets on BookMyShow. And access to handpicked experiences at extraordinaryweekends.com.
• Financial and insurance benefits: Includes a rewards programme and various financial benefits.

Charges

• Joining fee: ₹50,000
• Annual fee: ₹50,000
• Annual fee waiver threshold: ₹35 lakh

Who is it best for

This premium Axis Bank credit card is for individuals seeking unparalleled luxury experiences. It also suits those who desire comprehensive global travel benefits and high-value financial advantages. However, it is an invite-only credit card, so you cannot apply for it.

If luxury is your priority and you want to know about the Axis Bank Reserve Credit Card, its unparalleled benefits and exclusive privileges, head to our page for full details on this ultra-premium offering: Axis Bank Reserve Credit Card.

Do you know that Axis Bank Reserve Credit Card is also known as one of the best lounge access credit cards? Check more options for Axis Bank’s International Lounge Access Credit Cards in the dedicated article on Axis Bank Lounge Access Credit Cards.

Axis Bank Burgundy Private Credit Card

This premium Axis Bank credit card is an exclusive offering available only to Burgundy Private clients. It is designed for ultra-high-net-worth individuals and provides bespoke financial and lifestyle privileges.

Key features

• Zero foreign exchange markup: This is a significant advantage for international travellers.
• Elevated reward rates: 15 EDGE REWARD points for every ₹200 spent on your card. Designed to provide substantial value on your spending.
• 24x7 concierge services: Get round-the-clock assistance for flight bookings, table reservations, gift deliveries, and more.
• Complimentary EazyDiner Prime membership: Save up to 25% at select fine-dining restaurants, plus get up to 30% off through the Axis Bank Dining Delights program via EazyDiner.
• Complimentary golf rounds: Enjoy 50 complimentary golf rounds every year, with bookings available at extraordinaryweekends.com.
• Curated global experiences: Access hand-picked luxury experiences from around the world at extraordinaryweekends.com.
• Personalised lifestyle assistance: Get expert help for styling and shopping tailored to your preferences.
• Fuel surcharge waiver: Receive a 1% fuel surcharge waiver on transactions between ₹400 and ₹4000, capped at ₹400 per month.
• Unlimited lounge access: Get unlimited access to domestic and international airport lounges for both primary and add-on cardholders. Plus, enjoy 12 complimentary guest visits per card via Priority Pass.
• Hotel and dining memberships: Receive complimentary memberships to premium hospitality programs such as Club Marriott, Accor Plus, and Taj Epicure, offering exclusive stay and dining benefits.
• Luxury hotel offers: Get up to 15% off and added privileges at Postcard Hotels, Oberoi, and Trident properties, both in India and internationally.
• Exclusive experiences: Celebrate special occasions with curated dining experiences and hand-picked travel luxuries.

Charges

• Joining fee: ₹50,000
• Annual fee: ₹50,000
• Annual fee waiver threshold: NA

Who is it best for

Axis Bank's most premium credit card is ideal for ultra-high-net-worth individuals and existing Burgundy Private clients of Axis Bank.

The table below offers a quick comparison of each card’s fees and who it’s best suited for, so you can find the one that fits your wallet and lifestyle best.

Credit Card Name	Best For	Fees (₹)	Fee Waiver
Axis Bank Platinum Credit Card	Entry-level users focused on movies & dining	Joining: ₹500 Annual: ₹200	Spend ₹1 lakh/year
LIC Axis Bank Platinum Credit Card	LIC policyholders seeking a reward boost	Joining: ₹0 Annual: ₹0	Not applicable
Axis Bank Privilege Credit Card	Moderate spenders targeting milestone rewards	Joining: ₹1,500 Annual: ₹1,500	Spend ₹5 lakh/year
Axis Bank Magnus Credit Card	Frequent travellers & luxury seekers	Joining: ₹12,500 Annual: ₹12,500	Spend ₹25 lakh/year
Axis Bank Reserve Credit Card	Ultra-HNIs seeking luxury & exclusivity	Joining: ₹50,000 Annual: ₹50,000	Spend ₹35 lakh/year
Axis Bank Burgundy Private Credit Card	Burgundy Private clients (invite-only)	Joining: ₹50,000 Annual: ₹50,000	Invite-only

As you can see, Axis Bank has something for everyone, from simple rewards on movies and dining to full-blown luxury perks like airport lounges, hotel memberships, and concierge services. The trick is to pick a card that matches how you actually spend. If you travel a lot, go for the ones with a lounge and hotel benefits. If you’re just starting out, a low-fee card with good everyday rewards might be enough. Choose smart, and let your credit card do the heavy lifting.

Conclusion

Axis Bank offers a sophisticated range of Axis Bank premium credit card options. Each provides unique advantages to suit diverse affluent lifestyles. From the daily benefits of the Axis Bank Platinum credit card to the ultimate luxury of the Axis Bank Reserve credit card, knowing your spending habits, travel frequency, and desired perks is vital. Recent regulatory changes, especially regarding reward point exclusions and forfeitures, highlight the need to stay informed about your card’s terms and conditions.

If you want more detailed information about the different Axis Bank credit cards and their respective features, check out an in-depth breakdown of Axis Bank credit cards.

Whether you prioritise accelerated rewards on specific spends, extensive lounge access, or exclusive lifestyle perks, there's likely an Axis Bank premium credit card that fits your needs. Just make sure to carefully review the features, fees, and eligibility criteria for each option. Doing this will help you pick one that truly aligns with your financial goals and lifestyle.

Still unsure which Axis Bank premium credit card suits you best? To understand how Axis Bank’s premium cards fit within the broader landscape of credit card options in India, check the top credit cards that cover various offerings across multiple issuers. Compare benefits and apply smart with Finology Select.

Frequently Asked Questions (FAQs)

What defines an Axis Bank premium credit card?

Axis Bank premium credit card options are designed for high-net-worth individuals and offer higher annual fees, exclusive benefits like lounge access and concierge services, faster reward earning rates, and stricter eligibility criteria.

How can I check my eligibility for an Axis Bank premium credit card?

Eligibility generally requires you to be an Indian resident aged 18-70 years. Income requirements vary; for example, ₹6,00,000 per annum for Vistara Platinum or ₹18 Lakhs per annum for Magnus.

What documents are typically required to apply for an Axis Bank premium credit card?

You commonly need a PAN card photocopy, proof of income (latest payslip, Form 16, or IT Return), and residence proof (driving licence, electricity bill, or landline telephone bill).

Are there any hidden fees on Axis Bank premium credit cards?

While main fees are listed, some cards may have extra transaction-specific fees for wallet loads, education, utility payments, online skill-based gaming, and Dynamic Currency Conversion (DCC) markup. Always check the detailed fee structure.