The Axis Bank Primus Credit Card is an ultra-premium, invite-only credit card launched by Axis Bank in partnership with Visa. It is designed specifically for India’s ultra-high-net-worth individuals (UHNWIs). It is positioned as a “luxury lifestyle” card rather than a regular spending or rewards card and is issued only to select customers by invitation from the bank.
The Primus Credit Card is Axis Bank’s highest-tier credit card offering, created to deliver exclusive global privileges under the Visa Infinite Privilege program. It focuses on curated luxury experiences such as private travel arrangements, fine dining access, luxury hotel benefits, airport services, and personalized concierge support. It is not publicly available and is typically offered only to very high-value Axis Bank clients. The Axis Bank Primus Credit Card is a super-luxury lifestyle credit card for ultra-wealthy customers, offering privileges like bespoke travel experiences, premium dining access, concierge services, and exclusive global events, making it one of the most elite credit cards in India.
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 upon issuance of the card and can select one option based on their preference. They can either opt for 25,000 EDGE Miles, which can be redeemed or transferred to partner airline and hotel loyalty programmes, or choose an ITC Hotels e-gift card worth ₹40,000, which can be used for luxury stays and services at ITC properties.
When the annual fee for the next year is paid, cardholders can select one of the following renewal benefits: either 15,000 EDGE Miles, which can be converted into up to 75,000 partner loyalty miles, or an ITC Hotels e-gift card valued at ₹20,000.
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 are also offered a complimentary Bloomberg membership, giving them access to a leading global platform for premium financial news, market insights, and business analysis. This benefit is especially valuable for business owners, investors, and professionals who require in-depth global economic updates and reliable financial information to support informed decision-making.
Cardholders are entitled to complimentary access to both domestic and international airport lounges, offering a comfortable and premium experience before their flights.
The lounge benefits include free entry to airport lounges across India, international lounge access via the Priority Pass programme, and guest access privileges depending on the card terms.
These lounges generally offer amenities such as comfortable seating, food and beverages, Wi-Fi connectivity, and business facilities to enhance travel convenience.
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 enjoy complimentary airport transfer services on select domestic and international bookings. These typically include luxury vehicle pick-up and drop-off between the airport and the traveller’s destination, ensuring a smoother, more comfortable, and convenient travel experience.
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 provides privileges on premium flight bookings, including exclusive savings on international business and first-class tickets through select partner platforms. In certain cases, cardholders may additionally receive complimentary companion airfare benefits on eligible international bookings, making it especially beneficial for frequent and luxury 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.
Typical applicants for the Axis Bank Primus Credit Card include:
These are individuals who run established businesses or startups with significant turnover and strong financial profiles. They often require premium banking and travel privileges to support both domestic and international business activities.
This group includes top-level professionals such as CXOs, directors, and senior managers in large organizations. They typically have high income levels and prefer exclusive financial products that match their lifestyle and professional status.
These are well-established professionals like doctors, lawyers, consultants, and finance experts who earn substantial income. They look for premium credit cards that offer luxury benefits, convenience, and global acceptance.
This includes frequent flyers who travel abroad for work, leisure, or both. They value benefits such as airport lounge access, travel insurance, and premium flight privileges that enhance their travel experience.

EDGE Miles earned on the Axis Bank Primus Credit Card can be transferred to partner airline and hotel loyalty programs. This allows cardholders to make the most of their rewards by redeeming them for flight bookings, hotel stays, or upgrades, thereby enhancing the overall value of their points.
Yes, as the primary cardholder of the Axis Bank Primus Credit Card, you can request additional cards for eligible family members. These supplementary cardholders can enjoy many of the same privileges as the primary member and may also receive exclusive lifestyle benefits, such as complimentary domestic golf rounds or golf lessons within 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 offers a range of travel-focused privileges, including the option to convert EDGE Miles into frequent-flyer points for enhanced travel rewards. It also provides access to premium golfing facilities in multiple countries, along with exclusive hotel 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 are offered a complimentary Bloomberg membership, providing them with premium access to global financial news and market insights.

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