← Part of Axis Credit Cards in India
India is projected to have 16.3 lakh millionaires by 2026, with 200 Indians on Forbes’ 2024 World’s Billionaire list. This growth fuels demand for ultra-premium financial products like the Axis Bank Primus Credit Card, launched in partnership with Visa.
The Primus Card is an invitation-only, ultra-luxury offering designed for India’s Ultra-High Net Worth Individuals (UHNIs) and High Net Worth Individuals (HNIs).
| Parameter | Details |
|---|---|
| Card Type | Ultra-luxury, Super-premium Credit Card |
| Issuing Bank | Axis Bank |
| Partner Network | Visa |
| Target Audience | Ultra-High Net Worth Individuals (UHNIs) and High Net Worth Individuals (HNIs) by invitation only |
| Invitation Basis | Select, ultra-high net worth Axis Bank customers |
| Joining Fee (as of 2026) | ₹5,00,000 + GST (effectively ₹5,90,000) |
| Annual Fee (as of 2026) | ₹5,00,000 (some sources indicate ₹1.8 lakh) |
| Forex Mark-up Fee | Zero |
| Key Benefits | Complimentary golf, Bloomberg membership, premium hotel benefits, concierge services, Epicure Program membership, 2-way luxury airport meet and assist, unlimited domestic airport lounge access, Priority Pass for international lounges |
| Epicure Program Benefits | Up to 25% discount on F&B, spa, salon, stays at partner hotels (e.g., Taj Palaces), Qmin food deliveries |
| EDGE Mile Conversion | 1 EDGE Mile = 5 partner miles across Axis Bank travel partners |
| Airport Transfer Service | Complimentary one-way airport transfer per itinerary (domestic flights, any class) |
| Global Hotel Privileges | Special benefits at 900+ luxury hotels worldwide for primary and add-on cardholders |
| Dedicated Support | Primus Lifestyle Relationship Manager (single point of contact) |
The Axis Bank Primus Card aims to provide strong experiences and bespoke privileges, catering to the distinct tastes of India’s affluent segment.
Primus Credit Card: Exclusive Features & Benefits
The Axis Bank Primus Credit Card, an invite-only ultra-luxury offering, provides a zero forex mark-up fee and a full rewards program. Cardholders receive 1 EDGE Mile for every ₹100 spent, convertible to 5 partner miles across various travel programs.
This card is designed for India’s ultra-high-net-worth individuals, offering bespoke privileges like global airport services and exclusive hotel benefits.
| Feature | Details |
|---|---|
| Card Type | Ultra-luxury, invite-only credit card |
| Target Audience | Ultra-High Net Worth Individuals (UHNWIs) and High Net Worth Individuals (HNIs) in India |
| Joining Fee (2026) | ₹5,00,000 + GST (effectively ₹5,90,000) |
| Annual Fee (2026) | ₹5,00,000 + GST (effectively ₹5,90,000) or ₹3,00,000 (as per some sources) |
| Forex Mark-up Fee | Zero |
| Reward Points Earning | 1 EDGE Mile for every ₹100 spent (no exclusions on spending categories) |
| Miles Conversion Rate | Every EDGE Mile converts into 5 partner miles across travel partners |
| Concierge Services | Axis Bank Primus Concierge services, personalized concierge, Primus Lifestyle Relationship Manager |
| Airport Meet & Assist | Complimentary 2-way luxury airport meet and assist services per itinerary at partner airports worldwide (on business class or above ticket booking) |
| Airport Transfer (Domestic) | Complimentary one-way airport transfer service per itinerary at participating airports within India (for domestic carriers, any class) |
| Epicure Program Membership | Complimentary, offering up to 25% discount on food and beverages, spa treatments, salon experiences, stays at partner hotels (e.g., Taj Palaces, Taj Safaris), and Qmin food deliveries |
| Hotel Privileges | Special benefits and privileges across 900+ luxury hotels worldwide |
| Golf Benefits | Complimentary golf at top courses (as of 2026) |
| Global Insights | Complimentary Bloomberg membership for global insights (as of 2026) |
The card’s extensive benefits, from travel to lifestyle, position IT as a premier choice for India’s affluent segment seeking strong luxury and convenience.
Primus Card Fees, Charges & Eligibility 2026
The Axis Bank Primus Credit Card carries a substantial joining fee of ₹5,00,000, effectively costing ₹5,90,000 with GST as of 2026. This ultra-premium card is exclusively offered by invitation to India’s Ultra-High Net Worth Individuals (UHNIs) and High Net Worth Individuals (HNIs).
| Metric | Value (as of 2026) | Source |
|---|---|---|
| Card Type | Ultra-luxury, Super-premium, Invite-only Credit Card | Axis Bank & Visa Official Statements |
| Joining Fee | ₹5,00,000 | Axis Bank Primus Credit Card Review May 2026 |
| Joining Fee (with GST) | ₹5,90,000 | Axis Bank Primus Credit Card Review May 2026 |
| Annual Fee | ₹5,00,000 | Axis Bank Primus Credit Card Review May 2026 |
| Annual Fee (alternative source) | ₹1,80,000 | Axis Bank Credit Card: Apply Now & Get Assured Cashback |
| Annual Fee Waiver Criteria | No spend-based annual fee waiver | Axis Bank Primus Credit Card Review May 2026 |
| Foreign Currency Mark-up Fee | 0% | Axis Bank Primus Credit Card: For the ultra High-net worth |
| Eligibility | Invitation-only for Ultra-High Net Worth Individuals (UHNIs) and High Net Worth Individuals (HNIs) | Axis Bank & Visa Official Statements |
| Age Requirement (for HDFC Diners Club Black, comparative) | 21 to 65 years | HDFC Bank Website (for comparative card) |
| Minimum Monthly Income (Salaried, for HDFC Diners Club Black, comparative) | ₹1.75 lakh | HDFC Bank Website (for comparative card) |
| Minimum Annual Income (Self-Employed, for HDFC Diners Club Black, comparative) | ₹21 lakh (based on ITR) | HDFC Bank Website (for comparative card) |
The Primus Card’s high fees reflect its positioning as an exclusive product for India’s wealthiest individuals, offering bespoke privileges that justify the significant investment.
How Axis Bank Primus Card Works: Invitation & Usage
The Axis Bank Primus Credit Card is an ultra-premium, invitation-only card designed for India’s ultra-high-net-worth individuals (UHNIs). Axis Bank launched Primus in partnership with Visa, targeting a segment with distinct luxury preferences. The card offers bespoke privileges and experiences, setting a new standard for elite credit cards in India.
- Invitation-Only Access: The Primus card is exclusively offered by invitation to select Axis Bank customers who meet stringent ultra-high net worth criteria.
- Target Audience: IT caters to individuals who value luxury, exclusivity, and a full suite of premium lifestyle benefits.
- Launch Events: Axis Bank introduced the Primus card to select clients at ‘Axis Bank PRIMUS Soiree’ events in New Delhi and Mumbai.
- Visa Infinite Privilege: Cardholders gain access to globally acclaimed, bespoke privileges and benefits curated under the Visa Infinite Privilege offering.
- Dedicated Relationship Manager: Each Primus cardholder receives a dedicated Primus Lifestyle Relationship Manager for all credit card-related queries and requests.
- Airport Transfer Service: Cardholders get one complimentary one-way airport transfer per itinerary at participating Indian airports when purchasing air tickets with the Primus Card.
- Global Hotel Privileges: Primary and add-on cardholders receive special benefits and privileges across over 900 luxury hotels worldwide.
- Epicure Program Membership: Complimentary Epicure Program membership offers up to 25% discount on food, beverages, spa treatments, and stays at partner hotels like Taj Palaces.
- Zero Forex Markup: The card features a zero foreign exchange markup fee, making international transactions more cost-effective.
- Concierge Services: Axis Bank Primus Concierge services provide personalized assistance for travel, dining, and other lifestyle needs.
- EDGE Miles Conversion: Every EDGE Mile earned can be converted into 5 partner miles across Axis Bank’s travel partners.
The Primus card’s operational model focuses on delivering strong service and exclusive access, reinforcing its position as a top-tier luxury credit card in India.
Primus Card Rewards Program & EDGE Miles
The Axis Bank Primus Credit Card offers a unique rewards structure focused on EDGE Miles, providing 1 EDGE Mile for every ₹100 spent on most transactions. These miles convert to 5 partner miles across various travel programs, travel benefits for cardholders.
Cardholders also receive exclusive lifestyle perks, including complimentary golf access and a Bloomberg membership, tailored for ultra-high-net-worth individuals in India.
- EDGE Mile Earning: Cardholders earn 1 EDGE Mile for every ₹100 spent on the Primus Card, with no restrictions on earning categories.
- Travel Partner Conversion: Each EDGE Mile can be converted into 5 partner miles across Axis Bank’s extensive network of travel partners.
- Complimentary Golf: Primus cardholders receive complimentary access to top golf courses, offering a premium leisure benefit.
- Bloomberg Membership: The card includes a complimentary Bloomberg membership, providing access to global financial insights and news.
- Epicure Program Membership: Cardholders get a complimentary Epicure Program membership, offering up to 25% discount on food, beverages, spa treatments, and stays at partner hotels like Taj Palaces.
- Luxury Airport Services: The card provides complimentary two-way luxury airport meet and assist services per itinerary at partner airports worldwide, specifically for business class or higher ticket bookings.
- Hotel Privileges: Primary and add-on cardholders are eligible for special benefits and privileges at over 900 luxury hotels globally.
The Primus Card’s rewards program is designed to deliver exceptional value and exclusive experiences, aligning with the luxury lifestyle of its invite-only clientele.
Primus Card Vs. Other Ultra-Luxury Cards in India
The Axis Bank Primus Credit Card, with a joining fee of ₹5 lakh + GST (effectively ₹5.90 lakh), targets India’s ultra-high-net-worth individuals. This card offers zero forex mark-up and extensive lounge access, positioning IT against other premium offerings like Axis Bank Burgundy Private and Axis Bank Reserve.
| Feature | Axis Primus | Axis Bank Burgundy Private | Axis Bank Reserve |
|---|---|---|---|
| Card Type | Ultra-luxury, Invite-only | Premium, Invite-only | Premium |
| Joining Fee | ₹5,00,000 + GST (effectively ₹5,90,000) | Zero cash advance charges | Premium |
| Annual Fee | ₹1.8 Lakh | Zero cash advance charges | Premium |
| Forex Mark-up Fee | Zero | 2% | 2% |
| Lounge Access | Unlimited international Priority Pass lounges and domestic Dreamfolks lounges with 12 free guest visits each annually | Complimentary lounge access | Complimentary lounge access |
| Airport Transfer Service | 2-way luxury airport meet and assist services per itinerary at partner airports worldwide on business class or above ticket booking; One-way luxury airport transfer per itinerary at partner airports across the world on business class or above tickets | Complimentary luxury airport transfers | Complimentary luxury airport transfers |
| Target Audience | Ultra-high net worth individuals | High-net-worth individuals | Affluent individuals |
| Key Benefits | Zero forex, global concierge, luxury hotel benefits, Epicure Program | Exclusive privileges, tailored services | Travel, dining, and lifestyle benefits |
The Primus Card’s high fees and bespoke benefits cater to a niche segment, offering strong luxury and exclusivity compared to other premium cards from Axis Bank.
RBI Guidelines for Ultra-Premium Credit Cards
The Reserve Bank of India (RBI) regulates credit card issuance and conduct in India, ensuring fair practices for cardholders. These guidelines apply to all credit cards, including ultra-premium offerings like the Axis Bank Primus Credit Card. Card issuers must adhere to specific rules regarding activation, billing, and liability.
- Credit Card Activation: If a credit card remains unactivated for over 30 days from its issuance date, the issuer must obtain OTP-based consent from the cardholder for activation (Source: RBI). This ensures cardholders actively choose to activate their cards.
- Billing Cycle Modification: Cardholders can choose any date as their billing cycle’s start or end day at least once. Banks provide multiple channels like helplines, email, and mobile apps for this modification.
- Corporate Card Liability: For business cards, the corporate or business entity’s liability forms part of their total assessed credits. This aligns with RBI’s instructions on credit assessment.
- Interest Levy: RBI guidelines address how credit card issuers can levy interest on unpaid dues. These rules protect consumers from arbitrary interest charges.
- Outstanding Dues Adjustment: RBI specifies which transactions are eligible for adjustment towards outstanding dues and which can be credited to the bank. This clarifies payment allocation.
These regulations ensure transparency and consumer protection in the credit card market, benefiting users of high-value cards like the Axis Bank Primus.
Applying for Axis Bank Primus Card: Next Steps
The Axis Bank Primus Credit Card is an invitation-only offering for ultra-high net worth individuals in India. This exclusive card is not available through a direct application process, unlike standard credit cards.
Prospective cardholders are typically identified by Axis Bank based on their existing relationship and financial profile. The bank then extends an invitation to apply for the Primus Card.
- Invitation-Only Access: The Primus Card is exclusively offered by invitation to select ultra-high net worth Axis Bank customers.
- Relationship Manager Contact: An existing Axis Bank Primus Lifestyle Relationship Manager will be the primary point of contact for eligible customers.
- Eligibility Assessment: Axis Bank assesses a customer’s financial standing and banking history to determine eligibility for this ultra-premium card.
- No Direct Online Application: As of 2026, there is no public online application portal for the Axis Bank Primus Credit Card.
- Documentation for Invited Customers: Invited individuals will need to provide standard KYC documents, income proof, and other financial statements as requested by the bank.
- Activation Process: If the card is not activated within 30 days of issuance, Axis Bank will seek OTP-based consent for activation, as per RBI guidelines.
The Axis Bank Primus Card targets a niche segment, focusing on exclusivity and bespoke services for India’s wealthy elite.
Key Takeaways
- The Axis Bank Primus Credit Card is an invite-only product for ultra-high net worth individuals, not available for general application.
- The card carries a significant joining/yearly fee of ₹5,00,000, effectively ₹5,90,000 including GST, as of 2026.
- Eligibility is determined by Axis Bank through an internal assessment of a customer’s financial profile and existing relationship.
For more details, contact your Axis Bank Relationship Manager regarding the Primus Credit Card invitation process.
Frequently Asked Questions (FAQs)
What is the Axis Bank Primus Credit Card?
The Axis Bank Primus Credit Card is an ultra-luxury, invite-only credit card designed for India’s ultra-high-net-worth individuals. IT offers bespoke privileges and unparalleled experiences, curated under the Visa Infinite Privilege offering. Axis Bank launched Primus in partnership with Visa to cater to the distinct needs of this elite segment.
Who is eligible for the Axis Bank Primus Credit Card?
Eligibility for the Axis Bank Primus Credit Card is strictly by invitation only, extended to select ultra-high-net-worth Axis Bank customers. This card targets individuals who value exclusive rewards and premium comfort. Axis Bank focuses on premiumizing its client portfolio with such offerings.
What are the key benefits of the Axis Bank Primus Credit Card?
Key benefits include a zero forex mark-up fee, complimentary Epicure Program membership, and Axis Bank Primus Concierge services. Cardholders also receive two-way luxury airport meet and assist services per itinerary at partner airports worldwide when flying business class or above. The Epicure membership offers up to 25% discount on dining, spa treatments, and stays at partner hotels like Taj Palaces.
Does the Axis Bank Primus Credit Card offer travel benefits?
Yes, the Axis Bank Primus Credit Card offers extensive travel benefits, including complimentary golf at top courses and two-way luxury airport meet and assist services. Every EDGE Mile earned can be converted into five partner miles across Axis Bank’s travel partners. These perks are designed to match global luxury travel standards.
What is the joining fee for the Axis Bank Primus Credit Card?
The joining fee for the Axis Bank Primus Credit Card is ₹5 lakh, as per reports from 2025. This significant fee reflects the card’s ultra-premium positioning and the exclusive benefits IT offers. Annual fees and other charges would be detailed in the card’s terms and conditions provided upon invitation.
How does the Axis Bank Primus Credit Card compare to other luxury cards in India?
The Axis Bank Primus Credit Card stands out by offering unique Visa Infinite Privilege benefits, a ₹5 lakh joining fee, and a zero forex mark-up. IT targets India’s wealthy elite with bespoke privileges tailored for ultra-high-net-worth individuals. Other luxury cards may offer different reward structures or lounge access programs.
Can I apply for the Axis Bank Primus Credit Card online?
No, you cannot apply for the Axis Bank Primus Credit Card online. This card is offered strictly by invitation only to select, ultra-high-net-worth Axis Bank customers. Interested individuals should contact their Axis Bank relationship manager for more information on eligibility criteria.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.