Axis Bank Pride Signature Credit Card

Key Features & Benefits

The Axis Bank Pride Signature Credit Card delivers practical benefits tailored for defense and government personnel. With up to 8 complimentary domestic airport lounge visits per year (2 per quarter), you can relax in comfort before your flights, though you’ll need to spend ₹50,000 in the previous 3 calendar months to qualify—this requirement is waived for the first 4 months for new cardholders.

Dining out becomes more rewarding with at least 15% discounts at partner restaurants through the Dining Delights program. You’ll also earn 8 EDGE Reward Points on every ₹200 spent, giving you a steady 0.8% return on all purchases. The card includes a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 (capped at ₹400 per billing cycle), helping you save on regular fuel expenses.

With robust EMV chip security, zero lost card liability, and an affordable annual fee of just ₹500 (waived on ₹40,000 annual spend), this card balances essential travel and lifestyle perks without overwhelming costs.

All You Need to Know About: Axis Bank Pride Signature Credit Card

The Axis Bank Pride Signature Credit Card is a specialized credit card created exclusively for Indian defense personnel and government employees aged 18 to 70 years. Issued by Axis Bank on the Visa network, this card combines essential travel and lifestyle benefits with an affordable fee structure, making it an attractive option for public sector employees seeking value without premium pricing. The card comes with no joining fee and charges just ₹500 plus GST as an annual fee from the second year onwards, which is completely waived if you spend ₹40,000 or more in your card membership year—an easily achievable target for most regular users.

One of the card’s standout features is its complimentary domestic airport lounge access program. Cardholders receive up to 8 free lounge visits per year, distributed as 2 visits per quarter, allowing you to relax in comfort before domestic flights. However, there’s an important eligibility criterion: you must spend at least ₹50,000 in the previous 3 calendar months to qualify for lounge access. For newly issued cards, this spending requirement is waived for the first 4 months, giving new cardholders immediate access to this valuable benefit. The card does not offer international lounge access, which limits its appeal for frequent international travelers.

The rewards and benefits structure is designed for everyday spending. You earn 8 EDGE Reward Points for every ₹200 spent across all categories, translating to an effective reward rate of 0.8% (with each point valued at approximately ₹0.20). The card offers at least 15% discounts at partner restaurants through the Dining Delights program, making dining out more affordable. Additionally, there’s a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle, though GST on fuel remains non-refundable. The card features robust EMV chip security technology and zero lost card liability protection, ensuring your transactions remain secure.

Financial charges and fees are important considerations. The card carries an interest rate of 2.95% per month (41.75% per annum) on outstanding balances, so it’s crucial to pay your bills in full and on time. International transactions incur a 3.5% foreign exchange markup, which is relatively high compared to some other cards, making it less ideal for overseas spending. Cash withdrawals attract a 2.5% fee on the amount withdrawn, late payments incur penalties, and exceeding your credit limit results in over-limit charges. The application process is straightforward—you can apply online through the Axis Bank website or visit any Axis Bank branch with your KYC documents, government/defense employee ID, and income proof. Processing typically takes a few days to a week, and there’s no publicly disclosed minimum income requirement, though the bank assesses eligibility based on your profile and creditworthiness.

Pros & Cons

How to Apply

Applying for the Axis Bank Pride Signature Credit Card is straightforward for eligible defense and government personnel. Visit the official Axis Bank website at https://www.axisbank.com/credit-card/pride-signature-credit-card and click on the “Apply Now” button. You can also visit your nearest Axis Bank branch to submit your application in person. Prepare your KYC documents including identity proof (Aadhaar, PAN card), address proof, recent salary slips or income proof, and your government/defense employee ID. Complete the online application form or submit physical documents at the branch. The bank will verify your details and assess your eligibility. Once approved, your card will be delivered to your registered address within 7-10 business days, ready for activation and use.

Detailed Fee Structure

The Axis Bank Pride Signature Credit Card features a transparent fee structure designed for affordability. There’s no joining fee, making it free to acquire initially. From the second year onwards, an annual fee of ₹500 plus applicable GST is charged, but this is completely waived if you spend ₹40,000 or more during your card membership year—an easily achievable threshold for regular users.

Beyond the annual fee, be aware of additional charges: cash withdrawals incur a 2.5% fee on the withdrawn amount, late payment fees apply if you miss your due date, and over-limit charges are levied if you exceed your credit limit. International transactions carry a 3.5% foreign exchange markup. The fuel surcharge waiver is capped at ₹400 per statement cycle, and importantly, GST on fuel transactions is non-refundable. Finance charges stand at 2.95% per month (41.75% per annum) on outstanding balances, so always pay your bills on time to avoid these costs.

Who Should Get This Card?

The Axis Bank Pride Signature Credit Card is ideal for Indian defense personnel, government employees, and public sector workers aged 18-70 who frequently travel domestically and enjoy dining out. If you make regular airport trips and value complimentary lounge access, this card offers genuine convenience without premium card costs. It’s perfect for moderate spenders who can easily meet the ₹40,000 annual threshold for fee waiver and the ₹50,000 quarterly spend for lounge eligibility. However, if you travel internationally often or seek higher reward rates, you might want to explore other options with better forex rates and international lounge access.

Alternatives & Competitor Comparison

Feature	Axis Bank Pride Signature Credit Card	Flipkart Axis Bank Credit Card
Card Image
Card Network	Visa	Mastercard, Visa
USP	The Axis Bank Pride Signature Credit Card is exclusively designed for Indian defense and government employees, offering 8 complimentary domestic lounge visits annually, 15% dining discounts at partner restaurants, and fuel surcharge waivers, all with a nominal annual fee of just ₹500 that's easily waivable on spending ₹40,000.	Flipkart Axis Bank Credit Card delivers high cashback on Flipkart, Myntra, and preferred merchants, making it ideal for avid online shoppers seeking maximum savings and exclusive lifestyle rewards.
Annual Fee	500 Plus GST	500 Lifetime free for select channels
Joining Fee	N/A	500 Lifetime free for select channels
Welcome Benefits	N/A	₹350 worth of activation benefits (including ₹250 Flipkart voucher on first transaction for paid cards)
Lounge Access	Domestic: 2 per quarter On spends of ₹50,000+ in the last 3 calendar months (waived for first 4 months for new cardholders)	N/A
Reward Rate	Earn 8 EDGE reward points per ₹200 spent (equivalent to 0.8% reward rate, with each point valued at approximately ₹0.20).	Earn 7.5% cashback on Myntra, 5% on Flipkart and Cleartrip, and 4% on Swiggy, PVR, etc, 1.5% on other online spends on all online spends & 1% on offline transactions
Interest Rate	2.95% per month (41.75% per annum)	3.6% per month (52.86% per annum)
Best For	N/A	Online Shopping
Apply Now	Apply Now	Apply Now

Frequently Asked Questions