Honoring India's defenders with exclusive rewards and benefits
4 EDGE Points per ₹200 spen
Up to 50 days interest-free
Annual fee waived on ₹20,000 spends
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| Benefit | Details |
|---|---|
| Tribute to Armed Forces | Personalised card featuring the shades of the Indian Tricolour with dedicated 4th line embossing for Indian Navy, Army, or Air Force, celebrating the valour of defence personnel. |
| Dining Privileges | Enjoy up to 15% discount at over 200 partner restaurants across India through the Axis Bank Dining Delights Programme (maximum ₹500 discount on minimum bill of ₹2,500, once per month). |
| Fuel Savings | Receive 1% fuel surcharge waiver on all fuel transactions between ₹400 to ₹4,000 (maximum benefit ₹250 per statement cycle), providing up to ₹3,000 in annual fuel savings. |
| Virtually Lifetime Free | Zero joining fee and nominal annual fee of just ₹250 + GST (~₹295), waived from 2nd year on ₹20,000 annual spending, making this card extremely cost-effective for defence personnel. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Axis Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Entry-Level Rewards / Defence Personnel |
| Type of Card | Rewards Credit Card |
| Free or Paid | Joining: ₹Nil; Annual: ₹250 + GST (waived on spends of ₹20,000) |
The Axis Bank Pride Platinum Credit Card is the perfect choice for Indian Defence Forces personnel and Government of India employees seeking an entry-level rewards credit card that honours their service whilst delivering practical financial benefits. As Axis Bank's tribute to the nation's protectors, the brave men and women serving in the Army, Navy, and Air Force, this personalised card proudly displays the Indian Tricolour shades alongside a dedicated 4th embossing line signifying the cardholder's service branch. With zero joining fee, a nominal annual fee of just ₹250 (easily waived on ₹20,000 annual spending), uncapped EDGE Reward Points earning on every purchase, substantial dining discounts of up to 15% at partner restaurants, fuel surcharge waivers, and the ability to contribute to the Defence Welfare Association through card usage, this offering transforms everyday spending into meaningful rewards whilst celebrating military service. The straightforward reward structure, 4 EDGE Points per ₹200 spent (0.4% value-back) redeemable against 500+ options, combined with free add-on cards for family members, EMI conversion facility, and comprehensive security feature,s makes this card an accessible yet rewarding financial tool for those who dedicate their lives to protecting India.
Tribute to the Nation's Defenders: The Pride Platinum Credit Card stands as Axis Bank's mark of respect and gratitude towards the Indian Armed Forces. This personalised card prominently features the three colours of the Indian Tricolour—saffron, white, and green, embodying the spirit of courage, peace, and prosperity that defence personnel represent.
Dedicated 4th Line Embossing: Unlike standard credit cards, the Pride Platinum offers cardholders the unique privilege of having a dedicated 4th embossing line on the card, signifying their service in the Indian Navy, Army, or Air Force. This personalisation celebrates their commitment to national service whilst providing a distinctive card design.
Zero Joining Fee: Axis Bank has waived the joining fee entirely for this card, making it accessible to defence personnel without any initial cost barrier. This demonstrates the bank's commitment to honouring those who serve the nation.
Virtually Lifetime Free: With a nominal annual fee of just ₹250 + GST (~₹295) from the second year onwards—waived on annual spending of merely ₹20,000 (approximately ₹1,667 per month)—this card becomes virtually lifetime free for most users. The low fee-waiver threshold makes it one of the most cost-effective credit cards available.
Uncapped EDGE Rewards: Earn 4 EDGE Reward Points for every ₹200 spent on the card across all eligible categories without any monthly or annual capping. With each EDGE Point valued at ₹0.20, this translates to a 0.4% reward rate on purchases, ensuring consistent value on everyday spending.
Bonus Reward Points: Earn an additional 100 EDGE Reward Points every month when you spend ₹5,000 or more in that calendar month. This bonus accelerates reward accumulation and can provide up to 1,200 extra points (worth ₹240) annually.
Comprehensive Dining Programme: Access up to 15% discount at over 200 partner restaurants across India through the Axis Bank Dining Delights Programme. With maximum discount of ₹500 on minimum bill amount of ₹2,500, valid once per card per month, you can save up to ₹6,000 annually on dining experiences.
Fuel Surcharge Waiver: Enjoy 1% fuel surcharge waiver on all fuel transactions at petrol pumps across India. Valid on transactions between ₹400 to ₹4,000, with maximum benefit capped at ₹250 per statement cycle, providing up to ₹3,000 in annual fuel savings.
Defence Welfare Association Contribution: A portion of your spending on the Pride Platinum Credit Card goes towards supporting the Defence Welfare Association, enabling you to contribute to welfare initiatives for defence personnel and their families whilst managing your daily expenses.
Free Add-On Cards: Provide add-on cards to your spouse, parents, siblings, or children above 18 years of age at no additional cost. Family members can share the card's benefits whilst helping you accumulate EDGE Reward Points faster through combined spending.
Flexible EMI Conversion: Convert any transaction above ₹2,500 into easy monthly instalments through multiple channels—Internet Banking, Mobile App, or Customer Service. Choose from various tenures to manage significant expenses comfortably whilst maintaining cash flow.
Enhanced Security Features: Benefit from EMV-certified chip and PIN technology that reduces the possibility of counterfeit and skimming fraud. All credit card transactions are chip and PIN protected for unparalleled protection against unauthorised usage.
Zero Lost Card Liability: Enjoy peace of mind with zero liability protection. From the moment you report your card as lost or stolen to Axis Bank customer service, you're protected against any fraudulent transactions made with your card.
Wide Acceptance: Use your card at millions of Visa merchant establishments across India and worldwide for both Point of Sale (POS) and online transactions, ensuring universal acceptance for all your payment needs.
Wednesday Travel Offers: Beat the mid-week blues with exciting offers every Wednesday on travel bookings. Enjoy instant savings of up to 15% on flights and hotels via partner platforms like Goibibo and MakeMyTrip.
Interest-Free Period: Enjoy up to 50 days of interest-free credit from the transaction date, allowing you to manage cash flow efficiently whilst planning your payments strategically without incurring interest charges.
Straightforward Rewards Redemption: Redeem your EDGE Reward Points against 500+ handpicked options available on the EDGE Rewards Catalogue at 1 Reward Point = ₹0.20. No redemption fee charged, making the process simple and cost-effective.
Exclusive for Defence & Government Employees: This card is exclusively available to Indian Defence Forces personnel (Army, Navy, Air Force) and Government of India employees, recognising their service to the nation with special financial benefits.
The Pride Platinum Credit Card's combination of patriotic design, zero joining fee, virtually lifetime-free status, uncapped rewards earning, substantial dining and fuel benefits, and security features makes it an outstanding choice for defence personnel seeking an accessible yet rewarding credit card.
4 EDGE Reward Points per ₹200 on All Eligible Spends (0.4% Value-Back)
Earn 4 EDGE Reward Points for every ₹200 spent using your Axis Bank Pride Platinum Credit Card on all eligible retail purchases without any monthly or annual capping.
Redemption Value: 1 EDGE Reward Point = ₹0.20
Effective Value-Back: 0.4% (₹0.80 return on every ₹200 spent, or ₹0.40 on every ₹100)
Applicable Categories:
Retail shopping (online and offline)
Dining at restaurants
Entertainment and leisure
Travel bookings
Groceries and supermarkets
All other eligible merchant categories
Reward Posting: EDGE Reward Points are credited to your account at the end of every statement cycle.
100 Bonus EDGE Reward Points Monthly
Earn an additional 100 EDGE Reward Points (worth ₹20) every month when you spend ₹5,000 or more in that calendar month.
Annual Value: Up to 1,200 Bonus Reward Points (worth ₹240) if you consistently meet the ₹5,000 monthly spending threshold.
Terms: This bonus is over and above the base 4 Reward Points per ₹200 earning rate, accelerating your reward accumulation.
Reward Exclusions
No EDGE Reward Points are awarded on the following transactions:
Fuel purchases (though fuel surcharge waiver applies)
Rent payments
Utility bill payments
Insurance premium payments
Education fee payments
Government institution payments
Wallet loads and recharges
Cash advances
EMI transactions
Card fees and charges
Redemption Value: 1 EDGE Reward Point = ₹0.20
The EDGE Reward Points earned can be redeemed through the EDGE Rewards Catalogue at the official Axis Bank EDGE Rewards website in multiple ways:
E-Vouchers
Redeem EDGE Points for e-vouchers from popular brands including Amazon, Flipkart, and various lifestyle and retail brands. This offers flexibility and immediate value for your accumulated points.
Travel Bookings
Use EDGE Points for discounted flight and hotel bookings through partner travel platforms, making your journeys more economical.
Merchandise
Exchange EDGE Points for products from the comprehensive catalogue including:
Electronics and appliances
Lifestyle products and accessories
Home and kitchen items
Fashion and accessories
Gadgets and tech products
Dining Experiences
Redeem points for dining vouchers at partner restaurants, complementing the existing 15% discount benefit.
Redemption Process:
Visit the EDGE Rewards website or access through Axis Bank net banking
Browse the catalogue with 500+ handpicked reward options
Select your desired rewards and add to basket
Confirm redemption
No redemption fee charged
Important Note: Unlike many other cards, Axis Bank Pride Platinum Credit Card does not charge any redemption fee, making the reward utilisation process cost-effective.
Axis Bank Dining Delights Programme
Indulge in delectable cuisines with up to 15% discount at over 200 partner restaurants across India through the Axis Bank Dining Delights Programme.
Discount Details:
Discount: Up to 15% (specific percentage varies by restaurant)
Maximum Discount: ₹500 per transaction
Minimum Bill Amount: ₹2,500
Frequency: Valid once per card per month
Annual Savings Potential: Up to ₹6,000 (₹500 monthly savings × 12 months)
To Access:
Check the list of partner restaurants on the Axis Bank website
Present your Pride Platinum Credit Card when paying the bill
Discount applied automatically at participating restaurants
Partner Network: The Dining Delights programme includes restaurants across various cuisines and price points in major cities throughout India, ensuring wide choice and convenience.
1% Fuel Surcharge Waiver
Enjoy 1% fuel surcharge waiver on all fuel transactions at petrol pumps across India.
Terms:
Transaction Range: ₹400 to ₹4,000 per transaction
Maximum Waiver: ₹250 per statement cycle
Applicable: All fuel outlets nationwide
Automatic: Waiver applied automatically to eligible transactions
Annual Value: Up to ₹3,000 in annual fuel savings (₹250 monthly × 12 months)
Note: No EDGE Reward Points are earned on fuel transactions—only the surcharge waiver applies.
A portion of your spending on the Pride Platinum Credit Card goes towards supporting the Defence Welfare Association, enabling you to contribute to welfare initiatives for defence personnel and their families through your everyday card usage.
Impact: Your regular spending helps support programmes benefiting veterans, serving personnel, and their families, creating meaningful impact beyond personal financial benefits.
Up to 50 Days: Enjoy up to 50 days of interest-free credit from the transaction date, allowing you to manage cash flow efficiently and plan payments strategically without incurring interest charges.
Flexible EMI Options
Convert any transaction above ₹2,500 into easy monthly instalments with a wide range of tenures and lower interest rates.
Conversion Channels:
Internet Banking
Axis Bank Mobile App
Customer Service: Call 1860 500 5555 or 1860 419 5555
Benefits:
Manage significant expenses comfortably
Choose preferred repayment tenure
Helps maintain cash flow for other priorities
Available for both billed and unbilled transactions
EMV-Certified Chip and PIN
Benefit from enhanced security with EMV-certified chip card technology. All credit card transactions are chip and PIN protected for unrivalled protection.
Protection:
Reduces possibility of counterfeit fraud
Prevents skimming fraud
Secure authentication for every transaction
Zero Lost Card Liability
Enjoy comprehensive protection with zero liability on any fraudulent transactions made after reporting your card as lost or stolen.
Coverage:
Protection from moment loss is reported
Zero liability on fraudulent usage
Immediate card blocking upon reporting
Report Loss Immediately:
Call Axis Bank Customer Service: 1860 500 5555 or 1860 419 5555
Available 24×7 for reporting lost or stolen cards
Empower your loved ones by providing add-on cards to:
Spouse
Parents
Siblings
Children above 18 years of age
Benefits:
No additional charges for add-on cards
Share card benefits with family
Accumulate EDGE Reward Points faster through combined spending
Separate cards for family member convenience whilst managing from single account
Mid-Week Travel Savings
Beat the mid-week blues with exciting offers every Wednesday on travel bookings.
Partners:
Instant savings of up to 15% on flights and hotels via Goibibo
Instant savings of up to 15% on flights and hotels via MakeMyTrip
Note: Specific offers, discount percentages, and terms vary by promotion period. Check Axis Bank communications for current Wednesday travel deals.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹Nil | Zero joining fee—completely free when the card is issued. |
| Annual Fee | ₹250 + GST (~₹295) | Charged from 2nd year onwards. Waived if annual spends are ₹20,000 or more in the previous year. |
| Interest Rate (APR) | 2.95% per month (41.75% annually) | Applicable on outstanding balances and revolving credit. Also referred to as 3.4% per month (40.8% annually) in some sources. |
| Foreign Currency Markup | 3.5% | Applicable on all international transactions. |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) | Charged on cash withdrawals. Minimum ₹500. |
| Cash Advance Limit | As per available credit limit | Varies by cardholder based on credit limit assigned. |
| Late Payment Charges | ₹0 to ₹1,100 | Varies based on total amount due. |
| Overlimit Penalty | 2.5% of overlimit amount (minimum ₹600) | Charged when spending exceeds credit limit. |
| Payment Return Charges | ₹300 (or ₹500 per some sources) | Charged when payment cheque/ECS/NACH/auto-debit is returned/dishonoured or reversed. |
| Card Replacement Fee | ₹100 | Charged for lost, stolen, or damaged card replacement. |
| Duplicate Statement Fee | ₹100 per statement | Charged for requesting duplicate physical statements. |
| Railway Ticket Purchase Fee | As levied by IRCTC | Charges as prescribed by Indian Railways/IRCTC. |
| EMI Conversion Charges | As per prevailing rates | Applicable on EMI conversions; specific rates communicated at time of conversion. |
| Rewards Redemption Fee | ₹Nil | No fee charged for redeeming EDGE Reward Points. |
| GST | 18% | Applicable on all fees, interest, and charges mentioned above. |
| Criteria | Details |
|---|---|
Exclusive Eligibility | Indian Defence Forces personnel (Army, Navy, Air Force) and Government of India employees only |
Age | Primary cardholder: 18 to 70 years |
Add-On Cardholder Age | Above 18 years |
Citizenship | Resident of India or Non-Resident Indian (NRI) |
Credit Score | Good CIBIL score (ideally 750-900) recommended for approval |
Income | Stable source of income required (salaried or self-employed); specific income requirement communicated by bank |
Employment | Defence personnel (serving or retired) or Government of India employees |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card, Passport, Driving Licence, Voter ID Card, or any other government-approved photo ID |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving Licence, Voter ID Card, Utility Bill (not more than 3 months old), or any other government-approved address proof |
| Income Proof | For Salaried: Latest pay slip(s), Form 16, or recent bank statements. For Self-Employed: Latest IT return copy, bank statements showing income |
| PAN Card | Mandatory for credit card issuance (or Form 60 if PAN not available) |
| Photograph | Recent colour photograph with clear/white background and without dark/tinted glasses |
| Service Proof | Documentation proving employment in Indian Defence Forces or Government of India (service ID, employment certificate, etc.) |
Step 1: Click on Apply Now: Hit the "Apply Now" button to start your application.
Step 2: Fill in Your Details: Enter your personal, contact, and financial details in the application form.
Step 3: Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Step 4: Submit Your Application: Review all the details and click Submit.
Step 5: Approval & Card Delivery: Once approved, your Axis Bank Pride Platinum Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Spend ₹20,000 Annually | Ensure you spend at least ₹20,000 per year (approximately ₹1,667 per month) to waive the ₹250 + GST annual fee from the 2nd year, making the card virtually lifetime free. |
Target ₹5,000 Monthly Spending | Aim for ₹5,000 monthly spending to earn the 100 Bonus EDGE Reward Points (worth ₹20) every month, providing up to ₹240 in additional annual value. |
Maximise Dining Discount | Plan one monthly dining experience at partner restaurants with bills above ₹2,500 to unlock the 15% discount (maximum ₹500 saving), potentially saving ₹6,000 annually. |
Check Dining Delights Partner List | Regularly review the Axis Bank Dining Delights partner restaurant list to discover new dining options and plan meals strategically to maximise savings. |
Optimise Fuel Savings | Fill petrol/diesel in transactions between ₹400-₹4,000 to receive 1% surcharge waiver (maximum ₹250 monthly), providing up to ₹3,000 annual fuel savings. |
Use for All Eligible Spends | Since there's no capping on EDGE Reward Points earning, use the card for all eligible retail purchases to accumulate points consistently at 4 points per ₹200. |
Redeem Points Regularly | With no redemption fee charged, redeem your EDGE Reward Points whenever you've accumulated sufficient points for desired rewards from the 500+ options catalogue. |
Leverage Wednesday Travel Offers | Book flights and hotels on Wednesdays through Goibibo or MakeMyTrip to access up to 15% instant savings on travel bookings. |
Convert Large Purchases to EMI | For significant expenses above ₹2,500, consider converting to EMI through Internet Banking, Mobile App, or Customer Service for better cash flow management. |
Add Family Members | Issue free add-on cards to spouse, parents, siblings, or children above 18 to share benefits and accelerate EDGE Reward Points accumulation through combined family spending. |
Track Your Spending | Monitor monthly and annual spending through the Axis Bank Mobile App or net banking to ensure you meet the ₹20,000 annual threshold for fee waiver and ₹5,000 monthly for bonus points. |
Set Up Auto-Pay | Enable auto-pay for at least the minimum amount due to avoid late payment charges ranging from ₹400 to ₹1,100 and maintain excellent credit history. |
Pay Full Balance Monthly | Always pay your full statement balance before the due date to avoid the 41.75% annual interest rate and enjoy the full 50-day interest-free period. |
Report Loss Immediately | If your card is lost or stolen, report immediately to customer service at 1860 500 5555 or 1860 419 5555 to activate zero liability protection. |
Avoid Cash Advances | Refrain from cash withdrawals as they incur high fees (2.5% or minimum ₹500) plus immediate interest charges without any interest-free period. |
Contribute to Defence Welfare | Remember that a portion of your spending supports the Defence Welfare Association, adding meaningful impact beyond personal financial benefits. |
The Axis Bank Pride Platinum Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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