India's rarest metal - The ultimate experiential card for the elite
1 EDGE Mile per ₹100 (1:5 miles conversion)
₹40,000 ITC voucher OR 25,000 EDGE Miles
Unlimited domestic + international access
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| Benefit | Details |
|---|---|
| Ultra-Premium Invitation-Only Card | Available exclusively by invitation to ultra-high net worth individuals (UHNWIs) with exceptional net worth and existing relationship with Axis Bank. |
| Market-Leading Reward Conversion | Earn 1 EDGE Mile per ₹100 spent on all categories (no exclusions). Convert at a ratio of 1:5 to partner miles (Air India, Accor, ITC, Air France, etc.). |
| Welcome Benefit | Choose between 25,000 EDGE Miles (worth 1,25,000 partner miles) OR ITC Hotels e-gift card worth ₹40,000 for participating properties. |
| Renewal Benefit | Choose between 15,000 EDGE Miles (worth 75,000 partner miles) OR ITC Hotels e-gift card worth ₹20,000 on annual renewal. |
| Zero Forex Markup Fee | Enjoy 0% foreign currency markup on all international transactions - save significantly on overseas spending. |
| Unlimited Airport Lounge Access | Complimentary unlimited access to 1,000+ domestic and international airport lounges worldwide with Priority Pass membership included. |
| Companion Airfare Benefits | Up to 4 free companion airfares on full-fare First or Business class ticket bookings on partner airlines annually. |
| Luxury Hotel Collection | Premium benefits across 900+ luxury hotels worldwide with complimentary room upgrades, late check-outs, and exclusive rates. |
| Private Jet Access | Exclusive access to private jet arrangements and bespoke travel experiences for ultra-luxurious journeys. |
| Zero Transaction Fees | 0% cash withdrawal fee, 0% rent transaction fee, 0% late payment fee, 0% over-limit fee, 0% rewards redemption fee. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Axis Bank Ltd. |
| Bank / Non-bank | Bank-affiliated |
| Category | Ultra-Luxury / Super-Premium Travel |
| Type of Card | Visa Infinite Privilege |
| Free or Paid | ₹5,00,000 Joining Fee + ₹3,00,000 Annual Fee (invite-only) |
The Axis Bank Primus Credit Card is India's first ultra-premium credit card designed exclusively for ultra-high net worth individuals (UHNWIs) who demand the absolute pinnacle of luxury, exclusivity, and bespoke experiences. Available only by invitation to select Burgundy Private clients, this card redefines premium banking with unparalleled benefits powered by Visa Infinite Privilege. With a market-leading 1:5 EDGE Miles to partner miles conversion ratio, cardholders earn exceptional rewards on every spend—including typically excluded categories like rent, utilities, insurance, and fuel. The card offers zero forex markup (invaluable for frequent international travellers), unlimited global airport lounge access, up to 4 complimentary companion airfares annually on First/Business class tickets, premium benefits at 900+ luxury hotels worldwide, and exclusive access to private jets, ski vacations, Michelin-star dining reservations, and curated events. With zero transaction fees across cash withdrawals, rent payments, late payments, and over-limits, coupled with India's lowest credit card interest rate (12.68% p.a.), the Primus card is perfect for UHNWIs who spend ₹1 crore+ annually and seek world-class privileges, personalised concierge services, and experiences that match their distinguished lifestyle. This is not just a credit card—it's a lifestyle statement for India's elite.
Invitation-Only Exclusivity: The Primus credit card is available exclusively by invitation to ultra-high net worth Axis Bank Burgundy Private clients. It cannot be applied for through standard channels, ensuring absolute exclusivity.
Visa Infinite Privilege Platform: First-in-India access to Visa's globally acclaimed Visa Infinite Privilege offering, bringing bespoke privileges and benefits curated for the world's wealthiest individuals.
Global Acceptance: Accepted at over 100 million Visa merchants worldwide, ensuring seamless transactions across six continents.
Add-on Cards: One complimentary add-on card included in the joining and annual fees for immediate family members.
Dedicated Lifestyle Relationship Manager: Personalised service from a dedicated Primus Lifestyle Relationship Manager available 24/7 for all your banking and lifestyle needs.
Primus Concierge Services: 24/7 access to Axis Bank Primus Concierge for bookings, reservations, travel planning, event access, and bespoke lifestyle assistance.
Lowest Interest Rate: Credit card interest rate of just 1% per month (12.68% per annum)—the lowest in India for any credit card.
Digital Integration: Seamless integration with Axis Mobile app for real-time transaction tracking, reward management, and account services.
Enhanced Security: Advanced EMV chip technology, contactless payments, and 3D Secure authentication for maximum transaction security.
Universal Reward Rate: Earn 1 EDGE Mile for every ₹100 spent on all categories without any exclusions, including:
Travel (flights, hotels, travel agencies)
Dining (restaurants, cafes, bars)
Shopping (online and offline)
Rent payments (via payment gateways)
Utility bills (electricity, water, gas, mobile, broadband)
Insurance premiums (life, health, motor)
Fuel transactions (petrol, diesel)
Entertainment, groceries, healthcare, education fees, and all other spends
No Category Exclusions: Unlike other premium cards, Primus rewards every single rupee spent—no MCCs are excluded from earning rewards.
No Monthly Caps: Earn unlimited EDGE Miles without any monthly or annual caps on reward accumulation.
Market-Leading Conversion Ratio: Convert EDGE Miles to partner miles at an exceptional 1:5 ratio, meaning:
1 EDGE Mile = 5 Partner Miles
10,000 EDGE Miles = 50,000 Partner Miles
This is one of the best redemption ratios in India
Partner Airlines & Hotels:
Air India Flying Returns
Accor Live Limitless (ALL)
ITC Hotels
Air France-KLM Flying Blue
Singapore Airlines KrisFlyer
InterMiles
Additional partners periodically added
Zero Redemption Fee: No charges for converting EDGE Miles to partner miles—absolutely free.
Flexible Redemption: Redeem miles for:
Flight bookings (business/first class)
Hotel stays at luxury properties
Upgrades and award travel
Exclusive experiences through partner programs
Reward Value Calculation:
Base earn: 1% (₹1 per ₹100 spent)
After 1:5 conversion and typical partner mile valuations (₹0.5-₹1 per mile), effective return rate ranges from 2.5% to 5%+ depending on redemption
Choose One of Two Options:
Option 1: 25,000 EDGE Miles
Equivalent to 1,25,000 partner miles
Ideal for frequent flyers preferring airline/hotel miles
Value: Approximately ₹62,500 to ₹1,25,000 depending on redemption
Option 2: ITC Hotels e-gift card worth ₹40,000
Valid at participating ITC Hotels properties across India
Can be used for stays, dining, spa, and other hotel services
Ideal for domestic luxury travellers
Eligibility: New cardholders upon payment of full joining fee. Choose within first 30 days of card issuance by informing your Primus Lifestyle Relationship Manager within 15 days of successful card booking.
Annual Renewal Bonus (Choose One):
Option 1: 15,000 EDGE Miles
Equivalent to 75,000 partner miles
Value: Approximately ₹37,500 to ₹75,000
Option 2: ITC Hotels e-gift card worth ₹20,000
Valid at participating ITC Hotels properties
Eligibility: On successful realisation of annual membership charges after completing 12 months of card tenure.
Tier 1: Spend ₹3 lakh in a calendar quarter
Earn 5,000 bonus EDGE Miles (25,000 partner miles)
Tier 2: Spend ₹10 lakh in a calendar quarter
Earn 20,000 bonus EDGE Miles (1,00,000 partner miles)
Tier 3: Spend ₹25 lakh in a calendar quarter
Earn 50,000 bonus EDGE Miles (2,50,000 partner miles)
Tier 4: Spend ₹50 lakh in a calendar quarter
Earn 1,00,000 bonus EDGE Miles (5,00,000 partner miles)
Note: These are cumulative—spending ₹50 lakh earns all tier rewards (total 1,75,000 EDGE Miles = 8,75,000 partner miles per quarter).
Companion Airfare:
Up to 4 free companion airfares annually on full-fare First or Business class ticket bookings
Valid on partner airlines including Air India, Air France, and select carriers
Companion must travel on same itinerary; both tickets issued simultaneously
Complimentary ticket issued at lowest available fare in same cabin class
International Airfare Savings:
Up to 15% savings on non-promotional international First and Business class airfares on partner airlines
Exclusive negotiated rates not available to general public
Zero Forex Markup: 0% foreign currency markup on all international transactions—massive savings for overseas spending
Luxury Airport Services:
2-way luxury airport meet and greet services per itinerary at partner airports worldwide
Available on Business class or above ticket bookings
Personal assistance with check-in, security, immigration, and boarding
Unlimited Domestic & International Access:
Complimentary unlimited access to 1,000+ airport lounges worldwide
Includes domestic lounges across all major Indian airports
International lounges via Priority Pass membership
Priority Pass Membership: Complimentary Priority Pass membership included (value: $469 annually)
Guest Access: Complimentary guest visits included (subject to lounge policies)
No Quarterly Spending Requirement: Unlike many cards, lounge access has no minimum spend requirement
900+ Hotels Worldwide: Premium benefits across luxury hotels globally including:
Taj Hotels
ITC Hotels
Oberoi Hotels
Leading Hotels of the World
Small Luxury Hotels
Independent luxury properties
Benefits Include:
Complimentary room upgrades (subject to availability)
Late check-out (up to 4 PM)
Daily breakfast for two
Hotel credits (typically $100)
Priority reservations
Exclusive member rates
Booking Concierge: All arrangements handled by dedicated Primus Concierge with preferential treatment
Complimentary Epicure Membership: Valued at ₹9,500 annually, includes:
Up to 25% discount on food and beverages at Taj Hotels, Taj Safaris
Spa treatments and salon experiences at Jiva Spa
Qmin food deliveries
Exclusive member events and previews
Complimentary Golf Access:
Free golf rounds and lessons at premium golf courses in India and internationally
Includes: Green fee, caddy fee, and cart fee for rounds
Lessons include: Entry to driving range, instructor fee, club rental, and 50 range balls
Access to exclusive golf tournaments and events
Global Restaurant Access:
Preferential seating at 10,000+ restaurants worldwide
Last-minute reservations at world's top 50 restaurants
Access to Michelin-starred establishments
Private chef experiences and restaurant takeovers
Exclusive tasting menus and wine pairings
Private Jet Access: Exclusive arrangements for private jet bookings for ultimate luxury travel
Custom Itineraries:
Flying safaris in Africa
Ski vacations at exclusive resorts
Yacht charters
Customised adventure travel
Cultural immersion experiences
Complimentary Bloomberg Subscription: Access to Bloomberg Terminal services for financial insights, news, and market data (value: Significant—typically enterprise-level access)
Curated Invitations:
Private art gallery exhibitions and tours
Global sporting events (Grand Prix, Wimbledon, Masters, etc.)
Fashion week access with personal shoppers
Limited-edition product launches
Private concerts and performances
Wine tastings and masterclasses
24/7 Personalised Assistance:
Travel planning and bookings
Restaurant reservations
Event tickets and access
Gift sourcing and delivery
Personal shopping assistance
Emergency travel assistance
Lifestyle management
Dedicated Relationship Manager: Personal Primus Lifestyle Relationship Manager for all banking and lifestyle needs
Comprehensive Coverage:
Air Accident Cover: Significantly high (details provided to cardholders)
Non-Air Accident Cover: Premium coverage
Family protection included
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹5,00,000 + GST (₹5,90,000 total) | One-time fee for 1 primary + 1 add-on card. Invitation-only access. |
| Annual Fee | ₹3,00,000 + GST (₹3,54,000 total) | Charged annually from second year for 1 primary + 1 add-on card. No spend-based waiver. |
| Add-on Card Fee | ₹0 | One add-on card included in joining/annual fee. |
| Finance Charges (Interest Rate) | 1% per month (12.68% p.a.) | Lowest interest rate in India for any credit card. |
| Cash Advance Fee | 0% | Zero cash withdrawal charges—unprecedented for premium cards. |
| Foreign Currency Markup | 0% | Zero forex markup on international transactions—massive savings. |
| Late Payment Fee | 0% | Zero late payment charges. |
| Over-Limit Fee | 0% | Zero over-limit penalty. |
| Rent Transaction Fee | 0% | Zero convenience fee on rent payments via payment gateways. |
| Rewards Redemption Fee | 0% | Zero charges for converting EDGE Miles to partner miles. |
| Fuel Surcharge Waiver | 1% on transactions between ₹400–₹10,000 | Maximum benefit per statement cycle (refunded). |
| GST on Fees | 18% | Applicable on joining and annual fees. |
| Criteria | Details |
|---|---|
Eligibility | Ultra-high net worth individuals (UHNWIs) only—invitation-based |
Net Worth | Very high net worth required (typically ₹25 crore+) |
Income | Substantial annual income (typically ₹2 crore+ per annum) |
Banking Relationship | Existing Axis Bank Burgundy Private client in good standing |
Age | Typically 30-70 years (exceptions possible) |
Occupation | Business owners, CXOs, senior professionals, entrepreneurs, HNI investors |
Credit Profile | Excellent credit score (800+), impeccable credit history |
Invitation Process | Card offered by invitation from Axis Bank based on banking relationship, net worth, and spending patterns |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory), Passport, Aadhaar Card |
| Address Proof | Aadhaar Card, Passport, Driving Licence, Utility Bills, Property documents |
| Income/Net Worth Proof | ITR for last 3 years, Bank statements, Investment portfolio statements, Property valuation documents, CA-certified net worth statement |
| Photograph | Recent passport-size photographs |
| Existing Relationship | Burgundy Private account statements and relationship documentation |
Step 1: Build Relationship with Axis Bank: Establish a strong banking relationship with Axis Bank by opening a Burgundy Private account. Maintain significant assets under management (AUM) and demonstrate high net worth.
Step 2: Await Invitation: Axis Bank identifies potential Primus cardholders based on: Net worth and income levels, Banking relationship strength and tenure, Spending patterns and financial profile, and Overall creditworthiness.
Step 3: Receive Invitation: If selected, you will receive a personal invitation from your Burgundy Private Relationship Manager or Primus Lifestyle Relationship Manager.
Step 4: Initial Consultation: Meet with your dedicated relationship manager to discuss card benefits, fees, and how the card aligns with your lifestyle needs.
Step 5: Submit Application: Complete the exclusive application form provided by Axis Bank with assistance from your relationship manager.
Step 6: Documentation: Submit required documents including identity proof, address proof, income/net worth statements, and photographs.
Step 7: Due Diligence: Axis Bank conducts comprehensive verification and due diligence on your financial profile and net worth.
Step 8: Approval & Payment: Upon approval, pay the joining fee of ₹5,90,000 (including GST) and select your welcome benefit option.
Step 9: Card Issuance: Your Axis Bank Primus Credit Card (metal/premium material) will be personally delivered by your relationship manager or through secure courier.
Step 10: Onboarding: Receive personalised onboarding session covering all card benefits, concierge services, and how to maximise value.
| Usage Tips | Details |
|---|---|
Maximise EDGE Miles on Everything | Use the card for literally every expense—rent, utilities, insurance, fuel, travel, dining, shopping. Unlike other cards, there are no category exclusions, so every ₹100 earns 1 EDGE Mile. |
Target Quarterly Milestones | Plan spending to hit quarterly milestones (₹50 lakh/quarter earns 1,75,000 EDGE Miles = 8,75,000 partner miles). For UHNWIs spending ₹2 crore annually, this adds 7,00,000 EDGE Miles (35,00,000 partner miles). |
Convert to Partner Miles Strategically | Transfer EDGE Miles to partner programs during bonus promotions for maximum value. Focus on premium redemptions (first/business class flights, luxury hotels). |
Leverage Zero Forex Markup | Use exclusively for all international transactions to save 3-3.5% forex markup. On ₹50 lakh international spend annually, this saves ₹1.5-1.75 lakh. |
Utilize Companion Tickets | Plan annual trips to fully utilize 4 complimentary companion airfares on first/business class bookings—value can exceed ₹10-20 lakh annually. |
Book Through Luxury Hotel Collection | Always book luxury hotels through Primus Concierge to access premium benefits (upgrades, late checkout, credits) worth ₹10,000+ per stay. |
Use for High-Value Purchases | Jewelry, luxury watches, cars, property advances, large business expenses—earn miles on typically excluded big-ticket items. |
Rent Payments | Pay monthly rent via payment gateways with zero transaction fee and earn miles—₹2 lakh monthly rent = 24,000 EDGE Miles annually (1,20,000 partner miles). |
Leverage Concierge Services | Don't hesitate to use 24/7 Primus Concierge for everything—they exist to make your life easier and provide access you can't get elsewhere. |
Golf Benefits | If you play golf, take full advantage of complimentary rounds at premium courses—value can be ₹5,000-₹15,000 per round. |
Attend Exclusive Events | Accept invitations to curated events, private viewings, and experiences—the networking and exclusivity are priceless. |
Use Epicure Membership | Regular dining at Taj Hotels with 25% discount can save ₹50,000+ annually for frequent diners. |
Private Jet for Special Occasions | For milestone celebrations or urgent travel, leverage private jet access—while expensive, the convenience and experience are unmatched. |
Zero Late Payment Stress | With 0% late payment fee, you have flexibility, but maintain discipline as interest still accrues at 1% monthly. |
Pay Full Amount Monthly | Despite lowest interest rate (12.68% p.a.), always pay in full to avoid any interest charges and maximise cash flow efficiency. |
The Axis Bank Primus 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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