MyFinCards
Axis Bank Pride Platinum Credit Card

Joining Fee

Free

Annual Fee

Rs. 250 (Reversed on annual spends of Rs. 0.2 Lakhs)

Forex Markup

3.5% + GST

INTERNATIONAL
Axis Bank
Rewards
Lifestyle
Fuel
Best For: Indian Defence Forces personnel, Government of India employees, Frequent diners at partner restaurants, Those seeking a low-cost entry credit card

Axis Bank Pride Platinum Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Pros

  • Nil joining fee and first year annual fee
  • Annual fee waived on ₹20,000 spend in preceding year
  • 15% dining discount at partner restaurants
  • 1% fuel surcharge waiver up to ₹250 per cycle
  • Personalised tricolour card exclusive to defence and government employees
  • Free add-on cards with no joining or annual fee
  • Zero lost card liability protection
  • Wednesday Delight offers on MakeMyTrip, Swiggy and Tira

Cons

  • No EDGE REWARD Points earned on fuel transactions
  • Finance charges at 3.75% per month (55.55% per annum) are high
  • Fuel surcharge waiver only valid on transactions between ₹400 and ₹4,000
  • GST charged on fuel surcharge is non-refundable
  • Reward redemption fee applicable
  • Interest-free period only 18 to 23 days from statement generation date

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

No EDGE REWARD Points on fuel transactions

Rent and wallet load transactions not counted toward annual fee waiver spend

Additional ₹100 charge if Minimum Amount Due not paid for two consecutive cycles

1% fuel transaction fee on cumulative fuel spends above ₹50,000 per statement cycle

1% utility transaction fee on cumulative utility spends above ₹25,000 per statement cycle

1% wallet load fee on cumulative wallet loads above ₹10,000 per statement cycle

DCC markup of 1.5% plus taxes on international transactions in Indian currency

Key Benefits & Features

Personalised card with shades of Indian Tricolour and dedicated 4th embossing line for serving personnel

Wednesday Delight: Up to 15% off on flights & hotels via MakeMyTrip, 10% off on Swiggy, 10% off up to ₹1000 on Tira

Free add-on cards for spouse, parents, children and siblings over 18 years of age

EMV certified chip and PIN protected card for enhanced security

Eligibility Criteria

Age Requirement

18+ Years

Occupation

SALARIED

Required Documents

IDENTITY Proof

Passport
Driving License
PAN Card
Aadhaar Card

ADDRESS Proof

Passport
Ration Card
Electricity Bill
Landline Telephone Bill

INCOME Proof

Latest Payslip
Form 16
IT Return Copy

IDENTITY Proof

PAN Card Photocopy
Form 60

Notable Exclusions

No EDGE REWARD Points earned on fuel transactionsRent transactions (MCC 6513) and wallet load transactions (MCC 6540) not eligible for annual fee waiver spend calculation

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Axis Bank Pride Platinum Credit Card

The Axis Bank Pride Platinum Credit Card is exclusively designed for Indian Defence Forces personnel and Government of India employees, offering a personalized card featuring the shades of the Indian Tricolour with a dedicated embossing line honoring their service to the nation. With a nominal annual fee of just ₹250, waived entirely upon spending ₹20,000 in the preceding year, this card provides meaningful value at a low cost of ownership. Cardholders enjoy a range of practical benefits tailored to everyday spending. The Dining Delights membership grants up to 15% off at partner restaurants across India, valid once per card per month on a minimum order of ₹2,500. A 1% fuel surcharge waiver applies on fuel transactions between ₹400 and ₹4,000, capped at ₹250 per statement cycle. Every ₹200 spent earns 4 EDGE Reward Points, redeemable across 500+ rewards and offers. Additional features include Wednesday Delights with savings on flights, hotels, Swiggy, and Tira, zero lost card liability for fraud protection, EMV chip and PIN security, free add-on cards for eligible family members, and the flexibility to convert purchases above ₹2,500 into convenient EMIs, making this card a well-rounded, budget-friendly choice for those who have dedicated their lives to serving the nation.

Expert Review

Our Verdict

Tailored for Indian Defence & Govt employees with dining discounts, fuel waiver & EDGE reward points.

Frequently Asked QuestionsAbout Axis Bank Pride Platinum Credit Card

ELIGIBILITYWho is eligible to apply for the Axis Bank Pride Platinum Credit Card?
The Axis Bank Pride Platinum Credit Card is exclusively designed for defence personnel serving in the Indian Defence Forces and Government of India employees. The primary cardholder must be between 18 and 70 years of age, while add-on cardholders must be over 18 years of age. The applicant should be either a Resident of India or a Non-Resident Indian (NRI). These criteria are indicative, and the bank reserves the right to approve or decline applications.
FEESWhat is the joining fee and annual fee for the Axis Bank Pride Platinum Credit Card?
The Axis Bank Pride Platinum Credit Card has a Nil joining fee and a Nil annual fee for the first year. From the second year onwards, an annual fee of ₹250 is applicable. However, this annual fee is waived if you spend ₹20,000 or more on the card in the preceding year. Please note that rent transactions (MCC 6513) and wallet load transactions (MCC 6540) are not counted towards the annual fee waiver spend.
BENEFITSHow does the fuel surcharge waiver work on the Pride Platinum Credit Card?
The Axis Bank Pride Platinum Credit Card offers a 1% fuel surcharge waiver on all fuel transactions made in India. This waiver is valid only on transactions between ₹400 and ₹4,000. The maximum benefit is capped at ₹250 per statement cycle. Please note that GST charged on the fuel surcharge is non-refundable, and no EDGE REWARD Points are earned on fuel transactions made using this credit card.
BENEFITSWhat dining benefits does the Pride Platinum Credit Card offer?
The Axis Bank Pride Platinum Credit Card provides access to Axis Bank's Dining Delights programme, offering up to 15% discount at partner restaurants across India. The discount is capped at ₹500 per transaction, with a minimum order value of ₹2,500 required to avail the offer. This benefit is valid once per card per month. You can visit the Axis Bank website to find the list of partner restaurants.
REWARDSHow do I earn EDGE REWARD Points on the Pride Platinum Credit Card?
You earn 4 EDGE REWARD Points for every ₹200 spent on the Axis Bank Pride Platinum Credit Card. These points can be redeemed across 500+ rewards and offers available in the EDGE REWARDS Catalogue. Please note that no EDGE REWARD Points are earned on fuel transactions. A reward redemption fee may be applicable when redeeming points. Visit the EDGE REWARDS portal or the Axis Bank website to explore redemption options.
BENEFITSWhat are the Wednesday Delight offers on the Pride Platinum Credit Card?
Every Wednesday, Pride Platinum Credit Card holders can enjoy exclusive mid-week offers including instant savings of up to 15% on flights and hotels booked via MakeMyTrip, 10% off on orders placed via Swiggy, and 10% off up to ₹1,000 on purchases made on Tira. These offers are available every Wednesday and can be availed by eligible cardholders through the respective platforms.
DOCUMENTSWhat documents are required to apply for the Pride Platinum Credit Card?
To apply for the Axis Bank Pride Platinum Credit Card, you need to submit the following documents: a PAN card photocopy or Form 60, a colour photograph, proof of income (latest payslip, Form 16, or IT return copy), residential proof (passport, ration card, electricity bill, or landline telephone bill), and identity proof (passport, driving licence, PAN card, or Aadhaar card). This list is indicative, and additional documents may be required on a case-to-case basis.
BENEFITSAre add-on cards available with the Pride Platinum Credit Card, and what are the charges?
Yes, free add-on cards are available with the Axis Bank Pride Platinum Credit Card at no additional cost. There is no joining fee or annual fee for add-on cards. Add-on cards can be obtained for the cardholder's spouse, parents, children, and siblings who are over 18 years of age. This allows your family members to enjoy the same card benefits while you manage spending conveniently under one account.
BENEFITSWhat is the Zero Lost Card Liability protection on this card?
The Axis Bank Pride Platinum Credit Card offers Zero Lost Card Liability protection, which safeguards you against any fraudulent use of your card from the moment the loss is reported to the bank. If your card is lost or stolen, you should immediately report it by calling Axis Bank customer service at 1860 500 5555 or 1860 419 5555. Terms and conditions apply; refer to clause no. 18 of the card member agreement for full details.
FEESWhat are the finance charges and late payment fees for the Pride Platinum Credit Card?
The finance charges on the Axis Bank Pride Platinum Credit Card are 3.75% per month, which equates to 55.55% per annum on retail purchases and cash advances. The interest-free period ranges from 18 to 23 days from the statement generation date. Late payment fees are Nil if total dues are below ₹500, ₹500 for dues between ₹501–₹5,000, ₹750 for dues between ₹5,001–₹10,000, and ₹1,200 for dues exceeding ₹10,000.
INTERNATIONALWhat is the foreign currency transaction fee for using the Pride Platinum Credit Card abroad?
The Axis Bank Pride Platinum Credit Card charges a foreign currency transaction fee of 3.50% of the transaction value for international purchases. Additionally, a Dynamic Currency Conversion (DCC) markup of 1.5% plus applicable taxes is levied on transactions performed in Indian currency at international locations or with merchants located in India but registered in a foreign country. These charges make this card relatively expensive for frequent international travellers.
USAGEHow can I convert a large purchase into EMI using the Pride Platinum Credit Card?
You can convert any credit card transaction of ₹2,500 or more into easy monthly instalments (EMI) using the Axis Bank Pride Platinum Credit Card. To do so, you can contact the bank through Internet Banking, the Axis Bank Mobile App, or the Customer Service channel. Multiple EMI tenure options are available. This feature helps manage large purchases without a significant financial burden in a single billing cycle.
FEESAre there any transaction fees for fuel, utilities, or wallet loads on the Pride Platinum Credit Card?
Yes, additional transaction fees apply in certain categories. A 1% fee applies on cumulative fuel spends exceeding ₹50,000 per statement cycle. A 1% fee applies on cumulative utility spends exceeding ₹25,000 per statement cycle. A 1% fee applies on cumulative wallet load spends of ₹10,000 or more per statement cycle. A 1% fee also applies on rental transactions (MCC 6513) per transaction. GST and other applicable taxes will be charged as per government norms.
OTHERWhat makes the Axis Bank Pride Platinum Credit Card unique compared to regular credit cards?
The Axis Bank Pride Platinum Credit Card is exclusively designed for Indian Defence Forces personnel and Government of India employees. It features a personalised card with the shades of the Indian Tricolour and a dedicated 4th embossing line recognising service to the nation. Key benefits include a nil joining fee, dining discounts, fuel surcharge waivers, EDGE REWARD Points, Wednesday Delight offers, and zero lost card liability — all tailored to suit the lifestyle of government and defence personnel.
CANCELLATIONHow do I cancel or report a lost Axis Bank Pride Platinum Credit Card?
To report a lost or stolen Axis Bank Pride Platinum Credit Card, call Axis Bank customer service immediately at 1860 500 5555 or 1860 419 5555. Once the loss is reported, you are protected under the Zero Lost Card Liability feature against any fraudulent transactions. To permanently cancel your card, you can contact the bank via the same customer care numbers, visit a branch, or use Internet Banking or the Axis Bank Mobile App to initiate the cancellation request.

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