By-Invitation Ultra-HNW Metal Masterpiece with Private Aviation & Concierge
Ultra-high-net-worth individuals, conglomerate chairpersons, family office principals, and top executives demanding bespoke global lifestyle privileges.
₹5 lakh
One-time upfront₹3 lakh
Waiver terms not verified1 EDGE Mile/₹100 Spent on All Transactions
On eligible spendsUnlimited Domestic & International
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Axis Bank PRIMUS Credit Card occupies the absolute apex of luxury retail banking in India. Positioned strictly as a by-invitation instrument for ultra-high-net-worth individuals (UHNWIs), it commands an upfront joining fee of ₹5,00,000 plus GST and an annual maintenance fee of ₹3,00,000 plus GST, deliberately establishing unmatched exclusivity. Every Primus cardholder is paired with a dedicated 24/7 Global Concierge and Private Lifestyle Manager capable of securing impossible reservations, procuring haute couture pieces, and managing bespoke international itineraries. Privileges include VIP terminal handling, private jet aviation booking credits, and luxury yacht charters worldwide. Travel amenities are peerless: cardholders receive unlimited complimentary domestic and international airport lounge visits worldwide for both the primary cardholder and accompanying guests. In addition, cardholders enjoy unlimited complimentary golf games and private coaching lessons at premier international courses, and a market-leading preferential 1.50% foreign exchange markup. The card's rewards engine provides accelerated EDGE Reward Points convertible 1:1 to elite international hotel loyalty programs (Marriott Bonvoy, Accor, Hilton) and premier frequent flyer programs (Singapore Airlines KrisFlyer, Qatar Airways Privilege Club, Emirates Skywards). For India's financial elite, PRIMUS is a definitive symbol of global influence.
1 EDGE Mile/₹100 Spent on All Transactions
25,000 Axis EDGE Miles OR Rs 40,000 Gift Card from ITC Hotels
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| All Retail Spends | 1 EDGE Mile per ₹100 spent (1 EDGE Mile = 2 Partner Miles / ₹1.00) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| All Retail Spends | ₹30,000 | 1 EDGE Mile per ₹100 spent (1 EDGE Mile = 2 Partner Miles / ₹1.00) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹3 lakh
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Membership: Strictly by-invitation only for ultra-high-net-worth clients. • Joining Fee: ₹5,00,000 + GST; Annual Renewal Fee: ₹3,00,000 + GST (Non-waivable). • Welcome Benefit: Bespoke luxury hospitality packages, private aviation credits, and luxury lifestyle gift assets. • Airport Lounge Access: Unlimited complimentary domestic and international lounge visits for cardholder and accompanying guests worldwide. • Golf Privileges: Unlimited complimentary golf games and coaching sessions across premier championship courses. • Concierge Services: Dedicated 24/7 Private Lifestyle Manager and global VIP concierge. • Preferential Forex: Low 1.50% foreign exchange markup on all international transactions. • Rewards Conversion: Accelerated EDGE Reward Points convertible 1:1 to leading international airlines and luxury hotel groups.
Evaluate whether this card's perks and waiver threshold justify its ₹3 lakh renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Axis Bank PRIMUS Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official Axis Bank portal with paperless verification.
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Best for: Ultra-high-net-worth individuals, business magnates, and top corporate leaders seeking peerless bespoke luxury, unlimited worldwide lounge comfort, and fine dining.
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