Axis Bank Primus Credit Card
- Updated On: 30 June, 2026
The Axis Primus Credit Card is one of the most premium offerings by Axis Bank. Indeed, it can be considered India’s top-tier card with one of the highest joining and annual fees. This card comes with a joining/yearly fee of ₹5,00,000. Given the high cost, one can expect the best, and that’s exactly what this card offers. You earn 1 EDGE Mile for every ₹100 spent with this card, without any exclusions or accelerated categories – a straightforward reward-earning system. Not only does this card offer a great reward structure, but its redemption process is also impressive. The EDGE Miles earned with this card can be converted to partner miles at a ratio of 1:5. This means that for every EDGE Mile earned, you can get five partner miles from renowned airlines and hotel partners such as IndiGo, Air India, Air France, ITC, and others.
This card provides a range of benefits, including everyone’s favorite access to airport lounges, meet-and-greet services, and more. With the Primus card, cardholders can enjoy unlimited domestic airport lounge access, and international lounges can be easily accessed with the provided Priority Pass membership. Additionally, cardholders are offered complimentary access to Bloomberg and Taj Epicure memberships.
With its vast array of features and benefits, there’s a lot to uncover about this card. Let’s take a closer look at all it has to offer with its touch of luxury and opulence.
Axis Bank Primus Credit Card
( 4.9 / 5 )
Invite Only
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
1 EDGE Mile/₹100 Spent on All Transactions
Welcome Benefits
25,000 Axis EDGE Miles OR Rs 40,000 Gift Card from ITC Hotels
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
1 EDGE Mile/₹100 Spent on All Transactions
Reward Redemption
Redeem EDGE Miles for Product Catalog, Vouchers, and Partner Miles. 1 EDGE Mile = 5 Partner Miles
Travel
Airport Meet & Greet, Domestic Airport Transfers, Luxury Airport Transfers
Domestic Lounge Access
Unlimited Complimentary Domestic Lounge Access for Primary and Add-On Cardholders. 12 Free Guests Visits Each Year
International Lounge Access
Lounge Access- Unlimited Lounge Access for Primary and Add-On Cardholders With Priority Pass. 12 Complimentary Visits Each Year for Guests
Golf
Unlimited Domestic Golf Lessons and Rounds for Primary Cardholder (Along With One Guest). 4 Complimentary International Golf Rounds Along With One Guest
Insurance Benefits
Lost Card Liability of ₹25,00,000
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
Nil
Foreign Currency Markup
Nil
Interest Rates
1% Per Month (12.68% Per Annum)
Fuel Surcharge Waiver
1% of Transaction Amount (Between ₹400 and ₹10,000)
Cash Advance Charges
Nil
Product Details
- This is a super premium credit card offering by Axis Bank.
- The Primus Card can be availed at a joining charge of ₹5,00,000 + GST (effectively costing ₹5,90,000).
- Cardholders shall earn 1 EDGE Mile/₹100 spent on all transactions, whether for rent, shopping, utility, insurance, fuel, or travel.
- This premium card provides complimentary memberships to Taj Epicure and Bloomberg.
Pros/Cons
Pros
- Cardholders can earn 1 EDGE Mile for every ₹100 spent on all transactions. This allows them to earn rewards for expenses not traditionally rewarded by credit cards, such as insurance, rent, utility bills, and fuel. Cardholders can use this single card for all payments and expenses.
- The Primus Card offers a favorable conversion ratio of 1:5 while transferring EDGE Miles to partner miles (1 EDGE Mile = 5 Partner Miles).
Cons
- The Primus Card has a high joining fee of ₹5,90,000, including GST, and is only suitable for high-net-worth individuals. Additionally, this card has no spend-based annual fee waiver, so the annual charge will need to be paid.
- For a card with such a high fee, you only expect the best, so it’s quite surprising that there aren’t any BOGO offers on movie tickets.
Joining Benefits
New cardholders on payment of the full joining fee shall be eligible for one of the two welcome benefits given below. Cardholders can choose any one of these benefits within the first 30 days of card issuance. To avail of the following benefits customers would need to select their choice of welcome benefit in the card application form and inform their Primus Lifestyle Relationship Manager within 15 days of successful card booking.
| 25,000 Axis EDGE Miles (125,000 Partner Miles) |
| OR, |
| ₹40,000 Gift Card from ITC Hotels |
EDGE Mile Earning
Earn 1 EDGE Mile on each spend of ₹100 made with this card. The Primus Card rewards spending made on all categories whether fuel, rent, insurance, or utility.
Reward Redemption
| Category | Redemption Rate | Minimum EDGE Miles Required for Redemption |
| Partner Miles | 1 EDGE Mile = 5 Partner Miles | 500 |
| Catalog | As Per the Catalog Structure | 500 |
| Redemption at Partner Outlets | Instant Offline Redemptions While Shopping at Select Retail Outlet | 500 |
Partners Eligible for Miles Transfer With Axis Primus.
- Air Asia
- Air Canada
- Air France – KLM
- Air India
- Ethiopian Airlines
- Etihad Airways
- IHG® Hotels & Resorts
- ITC
- Japan Airlines
- Qantas Airways
- Singapore Airlines
- SpiceJet
- Thai Airways
- Turkish Airlines
- United Airlines
- Wyndham Hotels & Resorts
Quarterly Milestone Benefits
Primus Cardholders’ spending shall be awarded quarterly. One of the most attractive aspects of the milestone benefits offered is that no MCCs are excluded from the calculation of the welcome benefit. This means that spends made on utilities, rental, and fuel shall all be considered. Milestone benefits shall be provided within 45 days from the end of the quarter.
If someone spends ₹20 lakh in a quarter, they would earn 20,000 Base EDGE Miles and 15,000 bonus EDGE Miles, totaling 35,000 EDGE Miles. When these Edge Miles are converted to partner miles, cardholders shall receive 1.75 lakh Miles, resulting in an 8.75% return in partner miles.
| Spending | Benefit |
| Spends Between ₹20 – 30 Lakh | 15,000 EDGE Miles |
| Spends Between ₹30.01 – 50 Lakh | 25,000 EDGE Miles |
| Spends Greater Than ₹50.01 Lakh | 35,000 EDGE Miles |
Airfare Privilege Offer
Axis Bank Primus Primary Cardholders are eligible for complimentary companion airfare (excluding taxes and surcharges) when purchasing a full fare First or Business class ticket on participating airlines. Customers who buy a best-available class ticket on participating airlines are also eligible for four complimentary companion airfares (excluding taxes and surcharges).
OR,
As primary cardholders of Axis Bank Primus, cardholders are eligible for up to 15% savings on non-promotional international First—and Business-class airfares with participating and partner airlines.
The following criteria must be met to qualify for the companion ticket.
- The paid ticket must be purchased at a non-restricted fare from an airline and charged to a valid Axis Bank Primus Card.
- All travel must both start and end in the country where the card is issued, and the tickets must be issued in the same country.
- The cardholder availing this offer must be one of the travelers.
- The companion using the complimentary ticket must travel with the cardholder on the same itinerary as the cardholder with the paid ticket.
- Both the purchased ticket and the companion ticket must be issued at the same time.
- The complimentary ticket will be issued at the lowest available fare in the same cabin class (e.g., first or business).
- Only one companion ticket can be redeemed per itinerary.
- One stop-over is allowed in the itinerary.
Airport Benefits
Here are all the airport-related offers and benefits provided by the Primus Card.
Complimentary Domestic Lounge Access
All primary and add-on Primus Credit Cardholders are eligible for unlimited complimentary domestic airport lounge access. Along with this, cardholders shall also be eligible for 12 free guest visits each year.
How to Avail of Free Airport Lounge Access With Primus Card?
- Reach the participating domestic airport lounge and present your Primus Credit Card.
- An authorization amount of ₹2 shall be deducted for validation.
- Access shall be granted after a successful authorization.
Lounge Access With Priority Pass
Unlimited Priority Pass lounge access for primary and supplementary cardholders. Complimentary guest visits are available for up to 12 visits per year.
Airport Meet and Greet
Get help navigating through the airport quickly and easily with Axis Bank Primus Credit Card. All primary and add-on cardholders get a free one-way airport Meet & Assist Service or Fast Track Immigration Service when traveling worldwide. This perk is only available for those flying business class or higher on full-service airlines. Budget airline travelers don’t qualify for this benefit.
Luxury Airport Transfer
Each primary and add-on cardholder is entitled to one complimentary one-way luxury airport transfer service per itinerary at participating airports across the world when purchasing a business class or higher ticket using their Axis Bank PRIMUS Card.
This service is available only for those traveling on full-service carriers in business class or above. Cardholders traveling on budget carriers are not eligible for this benefit.
Domestic Airport Transfer
When purchasing an air ticket using their Primus Card, each primary cardholder is entitled to one complimentary one-way airport transfer service per itinerary at participating airports within India. This service is available for cardholders with domestic carriers traveling in any class, including economy.
Golfing Privilege
| International Golf Benefits | 4 Free Golf Rounds With One Guest |
| Domestic Golf Benefits | Unlimited Complimentary Golf Rounds and Lessons Along With One Guest in a Year |
| Add-On Cardholders | 10 Complimentary Golf Rounds or Lessons at Domestic Golf Clubs |
Stay Benefits
Luxury Hotel Collection
With the Axis Bank Primus Credit Card, primary and add-on cardholders shall be eligible to take special benefits and privileges across 900+ luxury hotels worldwide. Some of the privileges are mentioned below.
- The best available rate guarantee
- Automatic room upgrade upon arrival, when available
- Complimentary in-room Wi-Fi, when available
- Complimentary continental breakfast
- $25 USD food & beverage credit
- VIP guest status
- 3 PM check-out upon request, when available
Complimentary Night Stay
Axis Bank Primus Primary Cardholders are eligible for one complimentary night’s stay when booking a minimum of two consecutive nights at over 900 luxury participating properties worldwide. Each cardholder can enjoy a maximum of two complimentary nights per outgoing trip from the country where the Axis Bank Primus card is issued, regardless of the number of cities visited or hotels stayed during the same outgoing trip.
Booking, changes, and cancellations must be handled by the Axis Bank Primus Lifestyle Relationship Manager.
Complimentary Memberships
Enjoy the benefits of complimentary memberships offered along with the Axis Primus Card. This membership will allow additional benefits such as discounts, offers, and other premium services.
Taj Epicure
Taj Epicure membership is available only for the first year with the Primus Credit Card. This membership includes the following benefits and features.
- 25% Discount on Food & Beverage
- 20% Discount on Food & Beverages at Banquets
- 20% Discount on Qmin
- 20% Discount on Spa Treatments
- 20% Discount on Salon Experiences
It also includes unique one-time vouchers like:
- 20% Discount on the best available rate for a room/suite Stay at Taj Palaces (on direct bookings, for stays lasting up to five consecutive nights, once a year).
- 20% Discount on the best available rate for a room/suite Stay (on the best available rate on direct booking of a room/suite stay for unlimited consecutive nights).
- 20% Discount on the best available rate for a room/suite Stay at Taj Safaris (on direct bookings, lasting up to five consecutive nights, once a year).
Bloomberg
Primary Primus Credit Cardholders are eligible for an annual subscription to Bloomberg. This would be useful for all those who wish to stay updated on global events. This membership will be renewed on the card’s anniversary date.
Annual Membership Renewal
On successful realization of the annual membership charges Primus Cardholders who have completed a tenure of 12 months shall be eligible for one of the following benefits.
| Any One the Below |
| 15,000 Axis EDGE Miles (75,000 Partner Miles) |
| OR, |
| ₹20,000 Gift Card from ITC Hotels |
Primus Credit Card Review
For those who are looking for the pinnacle of luxury and best-in-class events, the Primus Card is the go-to option. With hefty fees, this card is only suited for the wealthy and opulent. From travel to stay, this card offers a wide range of options and opportunities to have the most rewarding, comforting, and luxurious experience ever, whether traveling or simply shopping.
One of the standout features of the Primus card is its impressive redemption rate. Cardholders can convert their EDGE Miles to partner miles at a favorable ratio of 1:5, making it an excellent choice for frequent travelers who frequently stay at partner hotels or travel through partner airlines. The card also includes unlimited airport lounge access, both domestically and internationally, and comes with a Priority Pass membership for added convenience. Additional travel perks include complimentary airport meet-and-greet services, luxury airport transfers, and a complimentary companion airfare offer on select airlines, which are not offered even by the best of the best.
In addition to travel benefits, Primus cardholders enjoy complimentary memberships to Taj Epicure and Bloomberg, offering discounts on dining, spa treatments, and global news access. The card also provides extensive golf privileges, including unlimited domestic rounds and lessons and four complimentary international golf rounds annually. Despite its high cost, the Axis Bank Primus Credit Card offers unparalleled rewards and luxury benefits, making it a must-have for those who love luxury.
Share your thoughts and comments on the ultra-premium Axis Primus in the comments below.
FAQs:
What are the annual charges for the Primus Credit Card?
The Axis Primus Credit Card can be availed by paying a joining and annual charge of ₹5,00,000 + GST (effectively costing ₹5,90,000).
What services are offered by Axis Bank Primus Concierge?
The Axis Bank Primus ConciergeServices are exclusively available to Primus Cardholders and include the following:
1. Concierge and Lifestyle Assistance.
2. Reservation Assistance: Help with reservations at restaurants, limousines, car rentals, yachts, private jets, and helicopters.
3. Travel Assistance: Organizing hotel stays, cruises, and flights.
4. Travel Management: Tailored itineraries, packaged tours, and unique travel experiences.
5. Arrangement of Access to Exclusive Events.
6. Flower and Gift Deliveries.
19 comments
HA
Hi !
Very insightful. Thanks for all the details. I’m a Cebturion card holder for the past 8 years but not at all satisfied with their services and benefits. I enquired with my AXIS RM regarding primus credit card but as per him it was only announced last year but till date it’s not being issued. Would you say this is correct information ?
Rishi
Axis Magnus Burgundy is much more better in my opinion. Even Axis Atlas is better with so low fees & better reward rate when accelerated.
Jishu
But they have restrictions in transferring to partner airmiles, in year only 30000 only, which is very bad thing. Only thing there shouldn’t be limit for airmile transfer.
Navneet
So in terms of mile and value if we cancel the amex platinum with 60,000 fees and have this will this give better returns?
Kartik Kanwar
Depends whether you are an ultra high spender or not. Only those with very high quarterly spends in tunes of 50 lakh each quarter can get the maximum from this card. Even the airfare privilege shall be available on full fare rates.
Anand Sancheti
I am interested in this card. What’s the eligibility. I am ok with paying this annual fee as long as it stays restriction free.
Kartik Kanwar
Eligibility is yet to be announced.
Kartik Kanwar
EDGE Mile earning is restriction free on the Axis Primus Credit Card.
Aashwin
Is there any document or weblink which confirms this claim ?
Also, any idea when would this card be officially launched ?
Navin Agarwal
HI Kartik, Tax payments ? I am currently using HDFC Biz black for tax payments
Regards
Navin
Jadugar
Optimus Prime of Indian credit cards..!!!
Raju mm
Interested credit card apply Link plz send
Mukesh Ambani
I was planning to use this card for marriage functions of Anant and Radhika. Sadly my eligibility was rejected
Swapnil Mutha
Does Govt spending such as Income tax / GST payment is included in rewards rate…
Kartik Kanwar
Yes. All spends made with this card are rewarded
Suresh
For the fees we are paying the joining benefit doesn’t look attractive, what do you think?
Piyush
Well you can easily get your fees back if you consider transfer to accor and 1 accor point= 1.8rs.. so easily recoverable if you use accor.. however yeah the fees is tooo much if you are not into hotel/miles game like me… However, it is still a well defined card with good reward structure. The target audience are people who travel in bussiness class and above so richie rich people basically.
.Tapan
Axis cards have habit of going back on benefits after someti.e, like magnus benefits were downgraded with concierge services withdrawn. I am not tempted.
Ankur Mittal
They want to target those who spend Crores on Credit cards