Axis Bank Pride Platinum Credit Card – Benefits, Fees & Eligibility

Axis Bank Pride Platinum Credit Card

Introduction

The Axis Bank Pride Platinum Credit Card is exclusively designed for brave personnel serving in the Indian Defence Forces and Government of India employees. It is a token of respect, featuring Indian Tricolour shades and a dedicated embossed line for the Indian Navy, Army, and Air Force. This card offers valuable benefits such as up to 15% discount at partner restaurants, a fuel surcharge waiver of up to Rs. 250 per statement cycle, and the opportunity to earn eDGE loyalty reward points on every transaction. Cardholders can also enjoy secure spending with EMV certified PIN protected chips and the flexibility to convert transactions over Rs. 2,500 into EMIs. It is offered as a lifetime free card with a nominal annual fee that can be waived.

Fees

• Joining Fee: Nil
• Renewal Fee: Rs. 250 + GST
• Spend-Based Waiver: The annual fee is waived if Rs. 20,000 or more is spent in the preceding year.
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: 3.5% of the transaction value.
• Interest Rates:
  • 3.75% Per Month (55.55% Annually)
  • Alternatively mentioned as 2.95% per month in the FAQs.
• Fuel Surcharge: 1% waiver on fuel surcharge at all fuel stations in India for transactions between Rs. 400 and Rs. 4,000.
  • Maximum waiver of Rs. 250 per statement cycle.
  • GST charged on fuel surcharge is non-refundable.
• Cash Advance Charges: 2.5% of the amount withdrawn or Rs. 500 (whichever is higher).

Rewards

• Pride Privileges

  • Personalized card with the shades of the Indian Tricolour.
  • Dedicated 4th embossing line for serving the nation (Indian Navy, Army, or Air Force).

• Dining Benefits

  • Enjoy Axis Bank Dining Delights offering up to 15% discount at partner restaurants in India.
  • Offer Details: 15% off up to Rs. 500.
  • Minimum Order Value: Rs. 2,500.
  • Valid once per card per month.
  • This card is best suited for dining.

• Fuel Benefits

  • 1% fuel surcharge waiver on all fuel transactions in India.
  • Valid on transactions between Rs. 400 and Rs. 4,000 only.
  • Maximum benefits up to Rs. 250 per statement cycle.
  • No EDGE REWARD Points are earned on fuel transactions made using the credit card.

• General Spends Rewards

  • Earn 4 EDGE REWARD points on every Rs. 200 spent on the credit card.
  • The effective reward rate is 0.4%.

• Wednesday Delight Offers

  • Instant savings of up to 15% on flights & hotels via Goibibo and Makemytrip.
  • 10% off on orders via Swiggy and Amazon Fresh.
  • 10% off up to Rs. 1,000 on Tira.

• Add-on Cards

  • Get free add-on cards for loved ones.
  • Available for the cardholder's spouse, parents, children, and siblings over 18 years of age.

• Security Features

  • The card is EMV certified chip and PIN protected for unrivalled protection.
  • The EMV certified chip reduces the possibility of counterfeit and skimming fraud.

• Zero Lost Card Liability

  • Protected against any fraudulent use of the card from the moment the loss is reported.

• Convert Purchases to EMI

  • Any transaction over Rs. 2,500 can be converted into EMIs.
  • Conversion options are available through Internet Banking, Mobile App, or Customer Service channels.

Rewards Redemption Guide

• Earned EDGE REWARD points can be redeemed against a variety of options available at the Edge Rewards website (500+ rewards and offers).
• 1 reward point is valued at Rs. 0.20 for redemption.
• There is no reward redemption fee charged for redeeming points.

Card Eligibility Criteria

• This card is exclusively tailored for brave personnel serving in the Indian Defence Forces and Government of India employees.

Card Review

The Axis Bank Pride Platinum Credit Card is a unique offering, particularly well-suited for individuals who frequently dine out. Its significant advantages include a zero joining fee, making it an attractive option for those seeking a card without initial charges. While there is a nominal annual fee of Rs. 250 + GST, it can be easily waived by spending Rs. 20,000 or more in the preceding year, which is generally considered an achievable spending amount. The card provides exclusive spend-based reward points that can be redeemed without any redemption fee, adding further value. Its "Pride Privileges," such as the personalized card with Indian Tricolour shades and a dedicated embossing line for defence personnel, underscore its respectful acknowledgment of the Indian Armed Forces.

Important Product Details

• Nil joining fee.
• Renewal fee of Rs. 250 + GST, waived on spending Rs. 20,000 or more in the preceding year.
• Personalized card with Indian Tricolor shades and a dedicated 4th embossing line for Indian Navy, Army, or Air Force personnel.
• Up to 15% off on dining at partner restaurants (15% off up to Rs. 500, minimum order Rs. 2500, valid once per card per month).
• Earn 4 EDGE Reward Points per Rs. 200 spent, with an effective reward rate of 0.4%.
• 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000, with a maximum waiver of Rs. 250 per statement cycle. Reward points are not earned on fuel transactions.
• Free add-on cards are available for the cardholder's spouse, parents, children, and siblings over 18 years of age.
• Features an EMV certified chip and PIN protection for secure transactions, reducing the risk of counterfeit and skimming fraud.
• Provides Zero Lost Card Liability protection from the moment the loss is reported.
• Allows conversion of purchases over Rs. 2,500 into EMIs.
• No fees for reward redemption.
• Offers "Wednesday Delight" benefits, including instant savings on flights & hotels (Goibibo and Makemytrip), and discounts on food orders (Swiggy, Amazon Fresh) and beauty products (Tira).
• Foreign Currency Markup is 3.5% of the transaction value.
• Interest rates are 3.75% Per Month (55.55% Annually), or 2.95% per month as mentioned in FAQs.
• Cash advance charges are 2.5% of the amount withdrawn or Rs. 500, whichever is higher.

Other Details

• To report a misplaced or stolen Axis Bank Pride Platinum Credit Card immediately, call Axis Bank customer service at 1860 500 5555 or 1860 419 5555.