Proudly crafted for Defence heroes — earn rewards, enjoy lounges, and celebrate the spirit of service with every swipe.
8 EDGE Reward Points per ₹200 spent (4% value-back)
Up to 50 days interest-free
Annual fee waived on ₹40,000 spends in a card year
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| Benefit | Details |
|---|---|
| Exclusively for Defence & Government Personnel | Personalised with the Indian Tricolour and optional service-branch embossing (Army, Navy, Air Force), this card celebrates your dedication whilst delivering tangible financial rewards on every transaction. |
| Complimentary Domestic Lounge Access | Enjoy 8 complimentary domestic airport lounge visits per year, providing comfort and convenience before your flights across India — a fitting privilege for those who serve. |
| Uncapped Reward Earning | Earn 8 EDGE Reward Points for every ₹200 spent with no cap on accumulation, plus a bonus of 100 EDGE Points every month upon a minimum spend of ₹5,000, ensuring consistent value on routine expenditure. |
| Dining Discounts at Partner Restaurants | Receive up to 15% off your dining bills at select partner restaurants across India, turning every meal out into a rewarding experience. |
| Effortlessly Low Annual Fee | No joining fee, and the modest ₹500 annual fee (from the second year) is waived automatically upon just ₹40,000 in annual spends — one of the most achievable fee-waiver thresholds in the market. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Axis Bank |
| Bank / Non-bank | Bank |
| Category | Defence & Government Rewards Credit Card |
| Type of Card | Signature Credit Card |
| Free or Paid | Joining Fee: Nil; Annual Fee: ₹500 + GST from 2nd year (waived on ₹40,000 annual spends) |
The Axis Bank Pride Signature Credit Card is purpose-built for serving and retired Indian Defence personnel and Government of India employees who desire a rewarding, low-cost credit card that honours their commitment to the nation. Positioned as the premium variant within the Axis Bank Pride range — sitting above the Pride Platinum — it delivers twice the reward value, complimentary domestic lounge access, and a distinctive card design featuring the Indian Tricolour, making it both a financial tool and a symbol of pride. With an exceptionally achievable fee-waiver threshold of just ₹40,000 in annual spends, uncapped EDGE Reward Points earning, monthly bonus points, dining discounts, and a suite of security and lifestyle privileges, this card provides outstanding value for Defence and Government cardholders who maintain moderate to regular spending habits. Its combination of patriotic design, low-cost structure, and meaningful benefits makes it a compelling primary card for the Indian armed forces community and civil servants alike.
A Card Designed with Pride: The Axis Bank Pride Signature Credit Card is not merely a financial instrument — it is a celebration of service. Featuring the Indian Tricolour design and optional fourth-line embossing denoting your branch of service (Indian Army, Indian Navy, or Indian Air Force), the card carries a sense of identity and honour wherever it is used. Cardholders may also choose to contribute to the Defence Welfare Association (DWA) directly through their card, further deepening the connection to the armed forces community.
Generous Reward Structure: Earn 8 EDGE Reward Points for every ₹200 spent across all eligible merchant categories. With each Reward Point valued at ₹0.20, this translates to an effective 4% value-back rate on qualifying spends — a competitive return for a card in its fee segment. Rewards are uncapped, meaning there is no monthly or annual ceiling on how many points you can accumulate through regular spending.
Monthly Bonus Points Incentive: On top of base earning, cardholders receive 100 bonus EDGE Reward Points each month upon achieving a minimum spend of ₹5,000 within that statement cycle. These bonus points are credited alongside your regular statement and provide an additional ₹20 in value each month — amounting to ₹240 in bonus value annually for consistent spenders.
Birthday Double Points: During your birth month, enjoy 2X EDGE Reward Points on all eligible transactions, effectively doubling your reward earning rate to 16 points per ₹200 spent. This annual bonus celebration adds meaningful value to your birthday-month expenditure without any additional action required.
Complimentary Domestic Airport Lounge Access: Access 8 complimentary domestic airport lounges per year across India, providing refreshments, Wi-Fi, comfortable seating, and a relaxing pre-flight environment. This benefit is particularly valued by Defence personnel and Government employees who travel frequently within the country for duty or personal travel.
Dining Programme — Up to 15% Off: Enjoy discounts of up to 15% at a curated network of partner restaurants across India when paying with your Pride Signature Card. This dining benefit complements the card's reward structure, delivering savings on one of the most common everyday spending categories.
Fuel Surcharge Waiver: Benefit from a 2.5% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at all petrol stations across India. The waiver is capped at ₹400 per monthly statement cycle, providing consistent monthly savings on fuel expenditure.
Add-On Cards at No Cost: Empower your family members by issuing supplementary cards at no joining or annual fee. Add-on cardholders (aged 18 years and above) — including spouses, parents, siblings, and children — enjoy the full suite of card benefits, with all spends consolidating under the primary cardholder's account.
Defence Welfare Association Contribution: The Pride Signature Card uniquely enables cardholders to make contributions towards the Defence Welfare Association (DWA) directly through the card, supporting the welfare of armed forces families and veterans in a seamless, integrated manner.
Zero Lost Card Liability: From the moment you report a lost or stolen card to Axis Bank, you bear zero liability for any fraudulent transactions. The card is instantly hot-listed, and a replacement card is issued at no charge, ensuring uninterrupted protection and peace of mind.
Chip-and-PIN Security: The Pride Signature Card is equipped with advanced EMV chip technology, providing robust protection against counterfeit and skimming fraud whilst enabling secure transactions both domestically and internationally.
Easy EMI Conversion: Convert purchases of ₹2,500 or above into affordable monthly instalments through the card's built-in EMI facility, spreading large expenditures over convenient repayment tenures without financial strain.
Contactless Payment Ready: Make quick, secure payments up to ₹5,000 by simply tapping your card at NFC-enabled terminals — no PIN entry required for smaller transactions.
24×7 Customer Support: Access Axis Bank's dedicated customer care team around the clock for any card-related queries, transaction disputes, reward redemptions, or account management needs.
The Axis Bank Pride Signature Credit Card occupies a distinctive niche in the Indian credit card landscape — it is one of very few cards specifically crafted for Defence and Government personnel, combining patriotic identity with practical financial benefits. For cardholders within this demographic, it offers an excellent balance of reward earning, lifestyle perks, and remarkably low cost of ownership.
8 EDGE Reward Points per ₹200 Spent (4% Value-Back)
Earn 8 EDGE Reward Points for every ₹200 spent across all eligible retail transactions using your Pride Signature Card. At a redemption value of ₹0.20 per point, this equates to an effective 4% value-back rate on qualifying expenditure.
Eligible Spending Categories:
Retail shopping (online and offline)
Dining at restaurants and cafés
Travel bookings (flights, hotels, packages)
Entertainment and leisure
Healthcare and wellness
Department stores and supermarkets
All other eligible merchant transactions
Reward Exclusions
No EDGE Reward Points are credited on:
Fuel purchases
Utility bill payments (electricity, water, gas)
Rent payments
Insurance premium payments
Wallet top-ups / digital wallet loads
Educational institution payments
Government-related transactions
Monthly Bonus Points
Earn an additional 100 EDGE Reward Points each month upon achieving a minimum spend of ₹5,000 within that statement cycle. These bonus points are reflected on your monthly credit card statement and provide ₹20 in additional value per month (₹240 annually).
Birthday Double Points
During your birth month, all eligible spends earn 2X EDGE Reward Points — effectively 16 points per ₹200 spent. This doubles your standard earning rate for the entire month, providing a meaningful boost to your annual reward accumulation at no extra cost.
Redemption Value: 1 EDGE Reward Point = ₹0.20
Accumulated EDGE Reward Points can be redeemed through the Axis Bank EDGE Rewards catalogue, offering a selection of over 500 handpicked items across multiple categories:
Product Categories Available:
Electronics and gadgets
Lifestyle and fashion accessories
Home and kitchen appliances
Travel vouchers and experiences
Gift cards and e-vouchers
Books, stationery, and education
Health and wellness products
How to Redeem:
Log in to your Axis Bank net banking or mobile banking account
Navigate to the EDGE Rewards section
Browse the catalogue and select desired items
Confirm redemption — points will be deducted accordingly
Redeemed items dispatched or vouchers credited as applicable
Redemption Note: Points redeemed for physical merchandise are subject to delivery timelines. E-vouchers and digital rewards are typically credited instantly or within 24–48 hours.
No Joining Fee
The Axis Bank Pride Signature Credit Card carries no joining fee whatsoever, making it entirely cost-free to obtain. This removes any upfront financial barrier and allows cardholders to begin enjoying benefits immediately upon card activation.
First-Year Fee Waiver
No annual fee is charged during the first year of card membership. From the second year onwards, the annual fee of ₹500 + GST is levied, but is automatically waived upon achieving ₹40,000 in net retail spends during the preceding card year — one of the lowest fee-waiver thresholds available on any credit card in India.
Effective First-Year Cost: ₹0
Complimentary Domestic Airport Lounge Access — 8 Visits Per Year
Enjoy access to select domestic airport lounges across India with 8 complimentary visits per card membership year. Lounges typically offer refreshments, Wi-Fi, comfortable seating, charging facilities, and a relaxing environment before your flight.
Access Details:
Valid at participating lounges in major Indian airports
Present your Axis Bank Pride Signature Credit Card at lounge reception for complimentary entry
Lounge list subject to periodic updates; verify participating lounges before travel via Axis Bank's website or mobile app
Value Assessment: With domestic lounge access typically valued at ₹500–₹800 per visit, the 8 annual complimentary visits provide approximately ₹4,000–₹6,400 in annual value for regular domestic travellers.
Up to 15% Off at Partner Restaurants
Enjoy discounts of up to 15% on dining bills at a curated network of partner restaurants across India when paying with your Pride Signature Card.
How to Access:
Browse the list of participating restaurants via Axis Bank's website, mobile app, or the dedicated dining portal
Visit a partner restaurant of your choice
Pay your bill using the Axis Bank Pride Signature Card
Discount is applied automatically or as per specific restaurant terms — verify with staff before ordering
Participating Restaurant Types:
Multi-cuisine and fine dining establishments
Casual dining chains
Specialty cuisine restaurants
Hotel restaurants and rooftop dining venues
2.5% Fuel Surcharge Waiver
Benefit from a 2.5% fuel surcharge waiver on fuel purchases across all petrol stations in India when paying with your Pride Signature Card.
Terms:
Minimum transaction value: ₹400
Maximum transaction value: ₹4,000
Monthly cap on waiver: ₹400 per statement cycle
Applicable at all fuel stations nationwide (Indian Oil, HPCL, BPCL, Shell, and others)
Monthly Savings Example:
Monthly fuel spend: ₹3,000 (within ₹400–₹4,000 range)
Typical surcharge: 2.5% = ₹75
Waiver amount: ₹75
Annual fuel savings: Up to ₹400 (capped)
Note: Fuel transactions do not earn EDGE Reward Points (excluded category).
Zero Lost Card Liability
From the moment you report a lost or stolen card to Axis Bank, you bear absolutely no liability for any fraudulent transactions made on the card. The card is immediately hot-listed, and all subsequent unauthorised charges are covered by the bank.
Reporting Procedure:
Call Axis Bank Customer Care immediately upon discovering loss or theft (24×7 helpline number printed on the back of your card)
Provide your card details for verification and hot-listing
The bank will investigate and reverse any fraudulent transactions
A replacement card is issued at no charge
Chip-and-PIN Protection
The Pride Signature Card uses advanced EMV chip technology, providing robust security against counterfeiting and skimming fraud. Every transaction requires PIN authorisation for added protection.
Replacement Card Fee: Nil (waived for lost or stolen cards)
Add-On Cards — No Fee
Issue supplementary cards to family members at zero joining and zero annual fee. Eligible add-on cardholders include spouses, parents, siblings, and children (aged 18 years and above). All add-on card spends consolidate under the primary cardholder's account and contribute towards reward earning and fee-waiver milestones.
EMI Conversion Facility
Convert purchases of ₹2,500 or above into easy monthly instalments through the card's built-in EMI feature. Choose from flexible repayment tenures to manage large expenditures comfortably. Interest rates and processing fees apply as per the selected tenure; verify details before conversion.
Contactless Payments
Make quick, secure contactless payments up to ₹5,000 by tapping your card at NFC-enabled terminals without entering a PIN — ideal for everyday small-value transactions.
Defence Welfare Association (DWA) Contribution
Uniquely amongst Indian credit cards, the Pride Signature Card allows cardholders to make contributions towards the Defence Welfare Association directly through the card, supporting the welfare programmes of armed forces families and veterans.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | Nil | No charge upon card issuance. |
| Annual Fee (1st Year) | Nil | No annual fee in the first year of membership. |
| Annual Fee (2nd Year Onwards) | ₹500 + GST (~₹590) | Waived automatically on net retail spends of ₹40,000 in the preceding card year. |
| Add-On Card Joining Fee | Nil | No charge for supplementary cards. |
| Add-On Card Annual Fee | Nil | No annual fee on add-on cards. |
| Interest Rate (Finance Charges) | 3.75% per month (55.55% per annum) | Applicable on revolving credit and unpaid balances carried beyond due date. |
| Foreign Currency Transaction Fee | 3.50% | Applicable on all international transactions in foreign currencies. |
| Cash Advance Fee | 2.5% of withdrawn amount | Charged on ATM cash withdrawals and cash advance transactions. |
| Late Payment Fee | ₹0 – ₹1,200 (tiered) | Up to ₹500: Nil; ₹501–₹5,000: ₹500; ₹5,001–₹10,000: ₹750; Above ₹10,000: ₹1,200 |
| Overlimit Fee | 3% of overlimit amount (min. ₹500) | Charged when spending exceeds the assigned credit limit. |
| Dishonour / Returned Payment Fee | ₹300 | Charged when payment cheque or ECS is returned/dishonoured. |
| Cash Payment Fee | ₹100 | Fee for making bill payment in cash at a branch. |
| Duplicate Statement Fee | Waived | No charge for duplicate statements. |
| Copy Request Fee | Waived | No charge for transaction copy requests. |
| Balance Enquiry Fee | Waived | No charge for balance enquiries. |
| Outstation Cheque Fee | Waived | No charge on outstation cheques. |
| Card Replacement (Lost/Stolen) | Waived | Replacement card issued at no cost. |
| SMS Transaction Alerts | Free | Real-time transaction alerts via SMS at no charge. |
| EDGE Rewards Redemption | Free | No fee for redeeming accumulated reward points. |
| Railway Ticket Surcharge | As per IRCTC / Indian Railways | Applicable surcharges on railway ticket purchases as mandated by the railways. |
| GST | 18% | Applicable on all fees, charges, and interest as per Government norms. |
| Criteria | Details |
|---|---|
Primary Eligibility | Exclusively designed for Indian Defence Personnel (serving and retired) and Government of India employees |
Age — Primary Cardholder | 18 years to 70 years |
Age — Add-On Cardholder | Minimum 18 years |
Citizenship | Indian citizen or permanent resident of India |
NRI Applicants | Eligible to apply, provided all other criteria are met |
Existing Axis Bank Account | Not mandatory; applicants without an Axis Bank account may also apply |
Credit Score | Good credit history recommended; CIBIL score of 700+ advisable for approval |
Income | As assessed by Axis Bank based on internal credit policies |
| Document Type | Details |
|---|---|
| Identity Proof | Passport, Aadhaar Card, Driving Licence, Voter ID Card, PAN Card, or any other government-approved photo ID |
| Address Proof | Passport, Aadhaar Card, Driving Licence, Voter ID, Electricity Bill (not more than 3 months old), Landline Telephone Bill, Ration Card, or Bank Statement |
| Income Proof | Latest salary slips (not more than 3 months old), Form 16, IT Returns, or bank statements reflecting regular income |
| PAN Card | Form 60 or photocopy of PAN Card — mandatory for credit card issuance |
| Photograph | One recent colour photograph |
| Defence / Government Service Proof | Service ID card, discharge papers, or official letter confirming Defence or Government employment (as applicable) |
Step 1 — Visit the Official Website: Navigate to the Axis Bank website (axis.bank.in) and locate the Pride Signature Credit Card product page under the Credit Cards section.
Step 2 — Click "Apply Now": Hit the "Apply Now" button to initiate your online application.
Step 3: Fill in Your Details: Enter your personal information, contact details, employment particulars, and financial details as prompted in the application form. Ensure all fields are completed accurately.
Step 4: Upload Required Documents: Upload scanned copies of your PAN Card, identity proof, address proof, income proof, photograph, and Defence / Government service verification document.
Step 5: Review and Submit: Carefully review all entered details and uploaded documents before clicking "Submit" to finalise your application.
Step 6: Track Your Application: Upon submission, you will receive an application reference number. Use this to track the status of your application via the Axis Bank website or mobile app.
Step 7: Card Delivery: Upon approval, your Axis Bank Pride Signature Credit Card will be dispatched to your registered address within 7–10 business days.
| Usage Tips | Details |
|---|---|
Maximise Base Reward Earning | Use the Pride Signature Card as your primary card for all eligible retail spends to accumulate 8 EDGE Points per ₹200 consistently throughout the year. |
Hit the ₹5,000 Monthly Spend | Ensure minimum monthly spends of ₹5,000 to unlock the 100 bonus EDGE Points each month — an easy target that adds ₹240 in value annually. |
Celebrate Your Birthday Month | Plan larger purchases during your birth month to benefit from 2X reward points, effectively doubling your earning rate for that period. |
Utilise All 8 Lounge Visits | Space out your 8 complimentary domestic lounge visits across the year to maximise travel comfort on your most important trips. |
Fuel Only Within the Waiver Band | Use the card for fuel purchases between ₹400 and ₹4,000 to ensure the 2.5% surcharge waiver applies fully each month. |
Dine at Partner Restaurants | Browse and utilise the dining discount programme to save up to 15% at partner restaurants, combining savings with reward point earning. |
Issue Add-On Cards to Family | Take advantage of zero-fee supplementary cards for family members to consolidate household spending and accelerate reward accumulation. |
Meet the ₹40,000 Annual Threshold | Aim to spend ₹40,000 or more in a card year to ensure your annual fee is fully waived from the second year onwards — a very achievable target for most cardholders. |
Redeem Points Strategically | Browse the 500+ item EDGE Rewards catalogue regularly and redeem points for items that offer the best personal value — particularly travel vouchers and lifestyle products. |
Convert Large Purchases to EMI | For purchases of ₹2,500 and above, utilise the EMI conversion facility to spread costs over manageable monthly instalments. |
Set Up Auto-Pay | Enable auto-pay for full bill payment to avoid the 55.55% annual interest rate and maintain an excellent credit history whilst enjoying the full interest-free period. |
Report Lost Cards Immediately | In case of loss or theft, call Axis Bank Customer Care at once to ensure zero liability protection kicks in immediately. |
Track Spending via the App | Monitor your spending, reward balance, and milestone progress through the Axis Bank mobile app to stay on top of your card benefits. |
Use for DWA Contributions | If you wish to support Defence Welfare Association, utilise the built-in contribution facility on the card. |
The Axis Bank Pride Signature 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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