Axis Bank Primus Credit Card review - Aug 2024

The Axis Primus Credit Card, a collaboration between Axis Bank and Visa, is an invitation-only, ultra-premium offering tailored for India’s ultra-high-net-worth (UHNW) individuals. With an annual fee of ₹1,80,000, this card stands as one of India’s top-tier credit cards, delivering exceptional luxury and rewards. 

Cardholders earn 1 EDGE Mile for every ₹100 spent, with miles convertible to partner miles at a 1:5 ratio, redeemable with prestigious brands like Accor and Air India. The card also provides unlimited domestic and international airport lounge access, and memberships to Bloomberg and Taj Epicure, alongside exclusive experiences such as private jet access and invitations to elite events. Designed for the discerning elite, Primus sets a new standard for luxury credit cards in India.

Key Features of Axis Primus Card:

1. Rewards and Points Accumulation

The Primus Credit Card offers 1 EDGE Mile for every ₹100 spent across all categories, including fuel, rent, and utilities. These EDGE Miles can be converted to partner airline miles at a favorable ratio of 1:5, making it a highly attractive option for frequent flyers​. The card also offers quarterly milestone benefits, where cardholders can earn additional EDGE Miles based on their spending​.

2. Travel Benefits

The travel benefits of the Primus Credit Card are particularly compelling. Cardholders enjoy unlimited access to domestic and international airport lounges, providing a seamless travel experience. Additionally, the card includes a complimentary companion airfare benefit on select airlines, allowing cardholders to bring a guest along for free on First or Business class tickets​ (Card Insider)​

Airport Services:

The card also offers premium airport services such as meet-and-greet and luxury airport transfers for those flying business class or higher. These services are designed to enhance the travel experience by providing convenience and luxury from the moment you arrive at the airport​ 

3. Hotel and Dining Privileges

The Axis Bank Primus Credit Card offers an array of hotel and dining privileges, including a complimentary night stay when booking a minimum of two consecutive nights at any of the 900+ luxury hotels worldwide. Cardholders also receive VIP guest status, complimentary in-room Wi-Fi, room upgrades, and late check-out privileges​ 

Taj Epicure Membership: 

As part of the card's complimentary memberships, cardholders receive a Taj Epicure membership for the first year, which includes significant discounts on dining, spa treatments, and hotel stays at Taj properties​ 

4. Golf Benefits

Golf enthusiasts will appreciate the unlimited complimentary golf rounds and lessons offered by the Primus Credit Card. This benefit is available both domestically and internationally, with add-on cardholders also eligible for 10 complimentary golf rounds or lessons per year​.

5. Memberships and Subscriptions

In addition to the Taj Epicure membership, cardholders receive a complimentary annual subscription to Bloomberg, offering access to global news and financial data. These memberships add significant value to the card, especially for those who frequently engage with luxury brands and high-end services​.

FAQs About Axis Bank Credit Cards

What is the annual fee for the Axis Bank Primus Credit Card?

The annual fee is ₹1.80 lakh, making it one of the most expensive cards offered by Axis Bank.

How many EDGE Miles do I earn per ₹100 spent?

You earn 1 EDGE Mile per ₹100 spent on the card.

Are there any forex charges on international transactions?

No, the Axis Bank Primus Credit Card does not charge any forex fees, making it ideal for international travelers.

What are the benefits of the Taj Epicure membership?

The Taj Epicure membership includes discounts on dining, spa treatments, and room bookings at Taj Hotels.

Is there a complimentary airport lounge access with this card?

Yes, the card provides unlimited access to both domestic and international airport lounges.

Can I transfer my EDGE Miles to airline partners?

Yes, you can transfer your EDGE Miles to various airline partners at a conversion rate of 1:5.

Does the Primus card offer any golf benefits?

Yes, the card offers unlimited complimentary golf rounds and lessons at select golf courses.

What is the interest rate on the Axis Bank Primus Credit Card?

The interest rate is 1% per month, which is 12.68% annually.

Are there any companion airfare benefits with this card?

Yes, the card offers complimentary companion airfare on select airlines when you book a full fare First or Business class ticket.

How do I apply for the Axis Bank Primus Credit Card?

The Axis Bank Primus Credit Card is available by invitation only, and cannot be applied for directly.

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Author - Abhishek Sonawane

Abhishek Sonawane, an MBA graduate from the prestigious Indian Institute of Management Visakhapatnam (IIMV), brings over ten years of experience in the finance domain. His extensive background includes various roles in financial management and strategy, providing him with a comprehensive understanding of the financial landscape. Abhishek’s expertise and dedication to financial education make him an authoritative voice in personal finance, helping readers make informed financial decisions.