MyFinCards
Axis Bank Pride Signature Credit Card

Joining Fee

Free

Annual Fee

Rs. 500 (Reversed on annual spends of Rs. 0.4 Lakhs)

Forex Markup

3.5% + GST

INTERNATIONAL
Axis Bank
Rewards
Lifestyle
Fuel
Best For: Indian defence personnel, Individuals seeking low-cost entry card with lounge and dining benefits, Frequent fuel spenders in India

Axis Bank Pride Signature Credit Card

Rewards Structure

Base Reward Rate

4% on spends

Point Value

1 Point = ₹200

Pros

  • No joining fee and low annual fee of ₹500
  • Annual fee waived on spends of ₹40,000 in preceding year
  • Complimentary domestic lounge access (2 per quarter)
  • 1% fuel surcharge waiver up to ₹400/month
  • Minimum 15% dining discount at partner restaurants
  • Zero lost card liability
  • Personalised patriotic design for defence personnel
  • Free add-on cards with no fee

Cons

  • No EDGE Reward Points earned on fuel transactions
  • Lounge access limited to domestic airports only
  • High finance charge of 3.75% per month (55.55% per annum)
  • Cash withdrawal fee of 2.5% (min ₹500)
  • Reward redemption fee applicable
  • Rent and wallet load transactions excluded from annual fee waiver spend calculation

Hidden Catches (Transparency Policy)

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

Fuel surcharge waiver only valid on transactions between ₹400 and ₹4,000

GST on fuel surcharge is non-refundable

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

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

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

1% fee on cumulative online skill-based gaming spends above ₹10,000 per statement cycle

1% rent transaction fee per transaction

1% education payment fee via third-party apps

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

Key Benefits & Features

Personalised tri-colour card with dedicated 4th embossing line for Indian defence personnel

Zero lost card liability from the moment loss is reported

EMV certified chip and PIN protected credit card

Wednesday Delight: exciting offers every Wednesday including up to 15% off on flights & hotels via Goibibo/MakeMyTrip, 10% off on Swiggy & Amazon Fresh, 10% off up to ₹1000 on Tira

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

Eligibility Criteria

Age Requirement

18+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card
Driving License
Aadhaar Card
Passport

ADDRESS Proof

Passport
Ration Card
Electricity Bill
Landline Telephone Bill

INCOME Proof

Latest Payslip
Form 16
IT Return Copy

Notable Exclusions

No EDGE Reward Points 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 Signature Credit Card

The Axis Bank Pride Signature Credit Card is a tri-colored, personalized credit card designed exclusively for Indian Defence personnel. Available with no joining fee and a nominal annual fee of ₹500 (waived on spends of ₹40,000 in the preceding year), this card celebrates national pride through its distinctive Indian Tricolour design and a dedicated embossing line honoring those who serve the nation. Cardholders enjoy a compelling set of lifestyle and travel benefits, including 2 complimentary visits to select domestic airport lounges per calendar quarter. Dining enthusiasts benefit from a minimum 15% discount at partner restaurants through the Axis Bank Dining Delights program. For frequent fuel spenders, the card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, with maximum savings of ₹400 per statement cycle. Beyond these core perks, the card rewards everyday spending with EDGE Reward Points — earning 8 points for every ₹200 spent — redeemable across 500+ options. Additional benefits include Wednesday Delight offers, discounts on flights and hotels via Goibibo and MakeMyTrip, savings on Swiggy and Amazon Fresh, chip-and-PIN security, zero lost card liability, and free add-on cards for eligible family members. It is available to residents of India and Non-Resident Indians aged 18 to 70 years.

Expert Review

Our Verdict

A patriotic card for defence personnel with lounge access, dining discounts, fuel waiver & Edge Reward Points.

Frequently Asked QuestionsAbout Axis Bank Pride Signature Credit Card

ELIGIBILITYWho is eligible to apply for the Axis Bank Pride Signature Credit Card?
The Axis Bank Pride Signature Credit Card is exclusively designed for Indian Defence personnel. The primary cardholder must be between 18 and 70 years of age. 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 any application.
FEESWhat is the joining fee and annual fee for the Axis Bank Pride Signature Credit Card?
The Axis Bank Pride Signature Credit Card has no joining fee. The annual fee is Nil for the first year and ₹500 from the second year onwards. The annual fee is waived if you spend ₹40,000 or more 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 calculation.
FEESHow can the annual fee waiver be availed on the Pride Signature Credit Card?
The annual fee of ₹500 can be waived if you spend ₹40,000 or more in the preceding card year. However, not all transactions count toward this threshold. Rent transactions (MCC 6513) and wallet load transactions (MCC 6540) are excluded from the eligible spend calculation for the annual fee waiver. Ensure your regular spending on other categories meets the required threshold to enjoy the fee waiver benefit.
BENEFITSWhat complimentary lounge access benefits does the Pride Signature Credit Card offer?
The Axis Bank Pride Signature Credit Card offers 2 complimentary visits to select airport lounges within India per calendar quarter. This benefit is limited to domestic airport lounges only; international lounge access is not included. To enjoy this benefit, cardholders must visit participating lounges. For a full list of eligible lounges and detailed terms and conditions, refer to the official Axis Bank website.
BENEFITSWhat dining benefits does the Axis Bank Pride Signature Credit Card provide?
The Axis Bank Pride Signature Credit Card offers a minimum 15% discount at partner restaurants through the Axis Bank Dining Delights program. The specific offer includes 15% off up to ₹500, with a minimum order value of ₹2,500. This dining discount is valid once per card per month. Cardholders can discover a wide range of partner restaurants across India to enjoy these dining privileges.
BENEFITSHow does the fuel surcharge waiver work on the Pride Signature Credit Card?
The Axis Bank Pride Signature Credit Card offers a 1% fuel surcharge waiver on all fuel transactions in India. The waiver is applicable only on transactions between ₹400 and ₹4,000. The maximum benefit is capped at ₹400 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.
REWARDSHow do EDGE REWARD Points work on the Axis Bank Pride Signature Credit Card?
Cardholders earn 8 EDGE REWARD Points for every ₹200 spent using the Axis Bank Pride Signature Credit Card. These points can be redeemed from 500+ rewards and offers available in the EDGE REWARDS Catalogue. Note that no EDGE REWARD Points are earned on fuel transactions. A reward redemption fee is applicable when redeeming points. For detailed terms and conditions on earning and redeeming points, visit the Axis Bank website.
DOCUMENTSWhat documents are required to apply for the Axis Bank Pride Signature Credit Card?
To apply for the Pride Signature Credit Card, you will need: a PAN card photocopy or Form 60, a colour photograph, and the latest payslip, Form 16, or IT return copy as proof of income. For residence proof, you can submit a passport, ration card, electricity bill, or landline telephone bill. For identity proof, acceptable documents include a passport, driving licence, PAN card, or Aadhaar card. Documents required may vary on a case-to-case basis.
FEESWhat are the finance charges and cash withdrawal fees on the Pride Signature Credit Card?
The Axis Bank Pride Signature Credit Card carries a finance charge of 3.75% per month, which equals 55.55% per annum, applicable on retail purchases and cash withdrawals. Cash withdrawal fees are 2.5% of the withdrawn amount, with a minimum charge of ₹500. These are relatively high charges, so it is advisable to pay your outstanding balance in full each month and avoid using the card for cash withdrawals whenever possible.
INTERNATIONALWhat is the foreign currency transaction fee on the Axis Bank Pride Signature Credit Card?
The Axis Bank Pride Signature Credit Card has a foreign currency transaction fee (forex markup) of 3.50% of the transaction value. Additionally, a Dynamic Currency Conversion (DCC) markup of 1.5% plus applicable taxes applies on international transactions performed in Indian currency at international locations, or transactions in Indian currency with merchants located in India but registered in a foreign nation. GST is applicable on these charges as per government norms.
BENEFITSWhat is the Zero Lost Card Liability feature on the Pride Signature Credit Card?
The Zero Lost Card Liability feature protects you against any fraudulent use of your Axis Bank Pride Signature Credit Card from the moment you report it as lost or stolen. To avail this protection, you must immediately report the loss by calling Axis Bank customer service at 1860 500 5555 or 1860 419 5555. Once reported, you bear no liability for any unauthorized transactions made on the card. Terms and conditions apply as per the Card Member Agreement.
BENEFITSAre add-on cards available on the Axis Bank Pride Signature Credit Card, and what are the fees?
Yes, the Axis Bank Pride Signature Credit Card offers free add-on cards with no joining fee and no annual fee. Add-on cards are available for the primary cardholder's spouse, parents, children, and siblings who are over 18 years of age. This allows your family members to enjoy the card's benefits without any additional cost, making it a cost-effective option for families of defence personnel.
APPLICATIONHow can I apply for the Axis Bank Pride Signature Credit Card?
You can apply for the Axis Bank Pride Signature Credit Card by downloading the application form available in the 'Apply' section on the Axis Bank home page. You will need to submit the completed form along with the required documents including identity proof, residence proof, income proof, and a PAN card copy or Form 60. For any queries regarding the application, you can contact Axis Bank's helpline at 1800 209 5577 (toll-free) or visit your nearest Axis Bank branch.
FEESWhat are the late payment fees on the Axis Bank Pride Signature Credit Card?
Late payment fees on the Axis Bank Pride Signature Credit Card are structured based on the total payment due. There is no penalty if the total amount due is less than ₹500. A fee of ₹500 applies for dues between ₹501 and ₹5,000; ₹750 for dues between ₹5,001 and ₹10,000; and ₹1,200 for dues exceeding ₹10,000. Additionally, an extra ₹100 charge is levied if the Minimum Amount Due (MAD) is not paid for two consecutive cycles, continuing until the MAD is cleared.
BENEFITSWhat security features does the Axis Bank Pride Signature Credit Card offer?
The Axis Bank Pride Signature Credit Card comes with an EMV certified chip that provides chip and PIN protection for enhanced security. This EMV chip technology significantly reduces the possibility of counterfeit fraud and card skimming. Additionally, the card offers Zero Lost Card Liability, which protects you from unauthorized transactions once a lost or stolen card is reported. Mobile transaction alerts are also available free of charge to help you monitor your account activity in real time.

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