Axis Bank Platinum Credit Card
Axis Bank
Last updated: Nov 13, 2025
₹500
₹500
3.5%
6 visits/yr
Contents
The Axis Bank Platinum Credit Card offers a robust rewards program, fuel surcharge waivers, movie ticket cashback, and dining discounts. Enjoy flexible EMI options and a simple redemption process for Edge Reward Points. This card is ideal for those seeking value on everyday spending and lifestyle benefits.
Features of Axis Bank Platinum Credit Card which makes it unique
Smart EMI
Instant EMI conversion at checkout
Flexible repayment
faster than peers
Spend Analyzer
Track monthly expenses by category
Better budgeting
AI-based
Rewards Structure of Axis Bank Platinum Credit Card
Domestic Purchases
baseInternational Purchases
acceleratedMilestones of Axis Bank Platinum Credit Card
Quarterly Milestone
₹50,000 : ₹500 cashback
Annual Milestone
₹2,00,000 : Free flight ticket
Fees & Charges of Axis Bank Platinum Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Waived on ₹1,00,000 annual spend
Fee Explanation Standard bank rates apply for overdue amounts.
Lounge Access Benefits with Axis Bank Platinum Credit Card
domestic Lounges
goldVisits per year: 4
Guest access: No
Valid for primary cardholder only
international Lounges
platinumVisits per year: 2
Guest access: Yes
Through Priority Pass
Insurance Coverage with Axis Bank Platinum Credit Card
travel insurance
₹10,00,000Valid on international trips
purchase protection
₹50,000Within 90 days of purchase
Additional Features of Axis Bank Platinum Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 3 free add-on cards
Welcome Bonus with Axis Bank Platinum Credit Card
Welcome Bonus: 100 Edge Reward Points
Bonus Conditions: Valid for new customers only
Application Process for Axis Bank Platinum Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via Axis Bank portal
Upload KYC documents
Receive verification call
Card dispatched within 7 days
Required Documents for Axis Bank Platinum Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Axis Bank Platinum Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Axis Bank Platinum Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have a valid PAN and Aadhaar card.
How Approval Is Decided
- Minimum income ₹30,000/month
- Indian resident
- Credit score above 700
Pros of Axis Bank Platinum Credit Card
- Strong reward structure
- Free lounge visits
- Attractive milestone bonuses
Cons of Axis Bank Platinum Credit Card
- High annual fee
- Limited merchant offers outside dining
Frequently Asked Questions about Axis Bank Platinum Credit Card
Is there a joining fee?
Yes, ₹500, waived on first-year spend above ₹5,000.
What are the annual fee waiver conditions?
Spend ₹1 lakh in a year for waiver.
What is the welcome bonus?
100 Edge Reward Points on first online transaction.
Can I get lounge access?
Yes, 4 domestic and 2 international lounge visits per year.
What is the reward rate on dining?
15% off at partnered restaurants.
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