The Primus Credit Card from Axis Bank and VISA is a prestigious credit card for use by highly affluent consumers (ultra-high net worth) having access to luxury lifestyle perks such as private lounges and exclusive hotel accommodations.
The Axis Bank Primus Credit Card is an ultra-premium credit card offered by Axis Bank. It is designed for high-net-worth individuals who want luxury travel benefits, premium lifestyle privileges, and a rewards programme based on EDGE Miles. The card also offers milestone rewards, golf benefits, and exclusive memberships that enhance the overall experience for frequent travellers and high spenders.
The Axis Primus Credit Card provides a range of premium benefits that focus on travel rewards, lifestyle privileges, and exclusive memberships.
New cardholders receive a welcome benefit once the card is issued. Customers can choose one of the following options depending on their preferences.
When the annual fee is paid for the next year, cardholders can choose one of the following renewal benefits:
The Primus Credit Card provides extensive golf privileges for customers who enjoy golf as part of their lifestyle.
The benefits include:
Note: These golf privileges typically cover important charges such as green fees, caddy fees, cart fees, and driving range access, allowing cardholders to enjoy a premium golfing experience at select courses.
Cardholders also receive complimentary membership to Bloomberg, a globally recognised platform that provides access to premium financial news, business insights, and market analysis. This membership can be particularly useful for business owners, investors, and professionals who want access to detailed global financial information and economic updates.
Cardholders receive complimentary access to airport lounges in India and internationally, allowing them to relax in premium waiting areas before flights.
Lounge benefits include:
These lounge facilities typically provide comfortable seating, refreshments, Wi-Fi, and business amenities.
The Axis Bank Primus Credit Card also offers airport meet and assist services at select international airports. This service provides dedicated support during airport procedures such as check-in, security checks, immigration clearance, and baggage handling.
Cardholders may also receive complimentary airport transfer services for select domestic and international travel bookings. These services generally include luxury vehicle transfers between the airport and the traveller’s destination, making airport travel more convenient and comfortable.
The Axis Bank Primus Credit Card also offers premium hotel and lifestyle privileges that enhance luxury travel experiences.
Cardholders can receive benefits when booking stays at select luxury hotels worldwide. These benefits may include:
The card also offers complimentary Taj Epicure membership, which provides benefits at Taj Group hotels.
Membership benefits may include:
The Axis Bank Primus Credit Card also offers benefits on premium flight bookings. Cardholders may receive exclusive savings on international business and first-class flight tickets when booking through eligible partner platforms.
In some cases, the card may also provide complimentary companion airfare benefits on select international travel bookings, making it useful for frequent travellers.
The Axis Bank Primus Credit Card offers competitive foreign exchange markup charges, making it suitable for international spending. Lower forex charges can help reduce the cost of overseas transactions such as international shopping, travel bookings, and hotel payments.
Cardholders of the Axis Bank Primus Credit Card also receive access to dedicated concierge services that provide personalised assistance for travel and lifestyle needs.
The concierge team can assist with:
The Axis Bank Primus Credit Card offers a variety of premium features aimed at customers who spend significantly on travel, lifestyle purchases, and luxury services. They are:
Feature Category | Feature | Detailed Description |
Reward Programme | Base Reward Rate | Cardholders earn 1 EDGE Mile for every Rs.100 spent on eligible transactions made using the credit card. This allows users to gradually accumulate reward miles through purchases such as travel bookings, dining, shopping, and other lifestyle expenses. |
Reward Programme | Conversion Value | Each EDGE Mile can be converted into 5 partner airline or hotel loyalty miles, which increases the value of rewards when transferred to participating travel partners. |
Reward Programme | Redemption Options | Accumulated EDGE Miles can be transferred to partner airline or hotel loyalty programmes and redeemed for flight tickets, hotel stays, travel upgrades, or other travel-related services. |
Reward Programme | Travel-Focused Benefits | Because the reward system is connected to travel partners, customers who frequently travel may benefit more from these miles compared with standard cashback-based rewards. |
Milestone Benefits | Rs.20 lakh - Rs.30 lakh Quarterly Spending | Cardholders who spend within this range during a quarter receive 15,000 EDGE Miles as a milestone reward. |
Milestone Benefits | Rs.30 lakh - Rs.50 lakh Quarterly Spending | Customers who reach this higher spending level receive 25,000 EDGE Miles, which increases the total rewards earned through the card. |
Milestone Benefits | Above Rs.50 lakh Quarterly Spending | Cardholders who exceed Rs.50 lakh in quarterly spending receive the highest milestone reward of 35,000 EDGE Miles. |
The Axis Primus Credit Card, offered by Axis Bank has the following charges:
Charge Type | Amount | Description |
Joining Fee | Rs.5,00,000 + applicable taxes | This is a one-time fee charged when the credit card is issued to a new customer and grants access to the card’s premium benefits and welcome privileges. |
Annual Fee | Rs.3,00,000 + applicable taxes | This fee is charged every year to continue using the credit card and maintaining access to its rewards programme and lifestyle benefits. |
Finance Charges | 1% per month (12.68% annually) | These charges apply if the outstanding credit card balance is not paid in full and is carried forward to the next billing cycle. |
The Primus Credit Card is generally designed for ultra-high-net-worth individuals who maintain a high level of annual spending and prefer exclusive lifestyle benefits. Although the exact income requirements are not publicly specified, the card is usually offered to customers who maintain strong financial profiles and significant spending capacity.

You can transfer EDGE Miles earned through your Axis Bank Primus Credit Card to other partner brands’ travel loyalty programs (e.g., airlines/hotels), allowing you to maximise the value of the rewards in exchange for booking flights, accommodation or upgrades.
Yes, as the primary cardholder of an Axis Bank Primus Credit Card, you can request additional cards for eligible family members.These additional cardholders can take advantage of some of the same benefits as the primary cardholder but also receive additional lifestyle benefits, such as complimentary domestic golf rounds or golf lessons during a calendar year.
Yes, your card can be used for international purchases, hotel bookings, or anything related to travel expenses. Since your EDGE Miles rewards program is designed mainly around travel, this can aid in the accumulation of EDGE Miles by allowing you to make international purchases.
The Axis Bank Primus Credit Card does indeed offer several travel-oriented benefits, including the ability to convert EDGE Miles to frequent-flyer points, access to premium golfing facilities across various countries, as well as hotel-related benefits through its reward and renewal programs.
The best way to maximise the value of the Axis Bank Primus Credit Card is to spend on high-value purchases and travel-related expenses. By achieving quarterly spending milestones, cardholders can earn extra EDGE Miles. Additionally, cardholders can earn EDGE MILES through redemption by transferring accumulated miles (received through use of the card) into airline or hotel loyalty programs.
Yes. All members of the Axis Bank Primus Credit Card will receive a complimentary Bloomberg membership that gives them premium access to financial news.

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