Axis Bank Burgundy Private Credit Card

Name: Axis Bank Burgundy Private Credit Card
Brand: Axis Bank
Availability: InStock
Rating: 4 (1 reviews)

Overview

The Axis Bank Burgundy Private Credit Card sits at the very top of Axis Bank's card portfolio. Marketed as 'The One Card,' it functions as a credit card, debit card, and forex card rolled into one. Eligibility requires Burgundy Private banking status with a minimum total relationship value (TRV) of ₹5 crore, excluding demat holdings. Both salaried and self-employed individuals who meet this threshold qualify.The card's standout feature is zero forex markup on international transactions, a benefit typically reserved for only a handful of super-premium cards in India. Cash withdrawals carry no charges, and no interest is levied until the payment due date. During overseas travel, a dynamic credit flexibility limit adjusts to accommodate higher spending. Reward earnings run at 15 EDGE REWARD points per ₹200 spent, with redemption available across flights, hotels, and merchandise.Travel and lifestyle benefits are the strongest areas. Unlimited lounge access covers both domestic and international airports for primary and add-on cardholders, with 12 guest visits included. The card provides 8 airport meet and assist services per year, 50 domestic and 4 international golf rounds, and complimentary memberships to Club Marriott, Accor+ Explorer, Taj Epicure, and EazyDiner Prime. Health and wellness perks include specialist consultations, diagnostics at leading institutions, and wellness coaching through Weljii.There are some spend-based fees to note. A 1% charge applies on cumulative wallet loads above ₹10,000, fuel transactions above ₹50,000, utilities above ₹25,000, and online gaming above ₹10,000 per statement cycle. Education payments via third-party apps also attract a 1% fee. These thresholds were introduced in December 2024 and reduce the net benefit on heavy spending in those categories. The card itself has no separate joining or annual fee for qualifying Burgundy Private clients.

Pros

↑Zero forex markup on international transactions is a rare benefit that saves 2-3.5% compared to most other credit cards in India
↑Unlimited lounge access at domestic and international airports for primary and add-on holders, with 12 guest visits included per card
↑Complimentary memberships to four premium hotel and dining programmes (Marriott, Accor+, Taj, EazyDiner) add significant annual value

Cons

↓₹5 crore total relationship value requirement makes this card inaccessible to the vast majority of credit card applicants
↓1% fees on wallet loads, fuel, utilities, education, and gaming above specified thresholds (introduced Dec 2024) reduce net rewards for heavy spenders
↓If Burgundy Private banking status is discontinued, the card gets downgraded to a lower-tier variant with reduced benefits

Key Highlights

Welcome Offer
15 EDGE points per ₹200 spent
15 EDGE REWARD points per ₹200 on all spends
Zero forex markup on international transactions
No cash advance fee or interest till due date
Dynamic credit flexibility during overseas travel

Reward Rate
Unlimited domestic and international lounges
Unlimited visits at domestic and international airports
Primary and add-on cardholders eligible
12 complimentary guest visits per card
No minimum spend required for access

Minimum Salary
Burgundy Private clients, ₹5 Cr TRV
Must hold Burgundy Private banking status
Minimum ₹5 crore total relationship value (TRV)
Demat holdings excluded from TRV calculation
Available for salaried and self-employed clients

Joining Fee
₹0 (complimentary for members)
No joining fee for Burgundy Private clients
Card is part of the Burgundy Private banking package
Automatically offered upon qualifying for Burgundy Private

Annual Fee
₹0 (complimentary for members)
No annual fee for Burgundy Private clients
Card remains active as long as Burgundy Private status is maintained
Downgrade to lower-tier card if banking status changes

Why Choose?
Credit, debit, and forex card in one
Functions as credit, debit, and forex card combined
Zero forex markup on international transactions
No cash withdrawal charges or interest till due date
Dynamic credit limit increase during overseas travel

Key Benefits

Dining

★4.5

▼

Complimentary EazyDiner Prime membership with up to 25% off at fine dining restaurants
Up to 30% off through Axis Bank Dining Delights programme
Complimentary Taj Epicure membership
Exclusive dining experiences for special occasions via concierge
Up to 15% off and stay privileges at The Postcard Hotel

Fuel

★3.0

▼

1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Maximum waiver capped at ₹400 per month
1% fee on cumulative fuel spends above ₹50,000 per statement cycle (effective Dec 2024)
GST on fuel surcharge is not refundable

Lifestyle

★4.5

▼

50 domestic and 4 international complimentary golf rounds or lessons per year
Buy 1 get up to ₹500 off on movie tickets (₹1,000 off non-movie) via BookMyShow
Personalised styling and shopping assistance through concierge
Hand-picked extraordinary experiences from around the world
24x7 concierge for flight bookings, table reservations, and shopping

Premium

★5.0

▼

Exclusive to Burgundy Private clients with ₹5 crore TRV
No joining fee or annual fee
Combines credit, debit, and forex card functions
Dedicated relationship manager through Burgundy Private
24x7 concierge service
Health and wellness: specialist consultations, diagnostics, wellness coaching

Reward Points

★3.5

▼

15 EDGE REWARD points per ₹200 spent
Points redeemable for flights, hotels, merchandise, and statement credit
No cap on total reward points earned
Standard earn rate across all categories

Travel

★5.0

▼

Unlimited domestic and international lounge access for primary and add-on cardholders
12 guest lounge visits per card per year
8 complimentary airport meet and assist services annually
Zero forex markup on international transactions
Dynamic credit flexibility limit during overseas travel
Up to 30% off on domestic and international airport transfers
Travel insurance: baggage loss/delay, credit shield, purchase protection
Global travel and medical assistance during international trips

Airport Lounge Access

▼

Unlimited visits at domestic and international airports
Primary and add-on cardholders both eligible
12 complimentary guest visits per card per year
No minimum spend condition for access

Detailed Information

Joining Fee	₹0 (complimentary for Burgundy Private clients)
Annual Fee	₹0 (complimentary for Burgundy Private clients)
Annual Fee Waiver	Not applicable (no annual fee charged)
Monthly Percentage Rate	1.5%
Annual Percentage Rate	18%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	0%
Late Payment Charges	As per Axis Bank standard schedule
Overlimit Charges	As per Axis Bank standard schedule
Cash Advance Fee	₹0 (no cash withdrawal charges)
Card Replacement Fee	As per Axis Bank standard schedule

Age Requirement Salaried	21-65 years (Burgundy Private client)
Age Requirement Self Employed	21-70 years (Burgundy Private client)
Minimum Annual Income Salaried	₹5 crore TRV (total relationship value, excluding demat)
Minimum Annual Income Self Employed	₹5 crore TRV (total relationship value, excluding demat)
Minimum Credit Score	Not specified (bank discretion)

Identity Proof	PAN Card (mandatory) Passport Driving License Voter ID Aadhaar Card
Address Proof	Passport Driving License Voter ID Aadhaar Card Utility bill (within 3 months)
Income Proof Salaried	Latest salary slips Bank statements Form 16 IT return copy Wealth/investment statements for TRV verification
Income Proof Self Employed	IT return copy (last 2 years) Bank statements (last 6 months) Business proof Wealth/investment statements for TRV verification

Frequently Asked Questions

There is no joining fee. The Burgundy Private Credit Card (The One Card) is complimentary for all Burgundy Private banking clients who meet the ₹5 crore total relationship value requirement.

No. The card has no annual fee as long as you maintain Burgundy Private banking status. If your status is discontinued, the card gets converted to a lower-tier Axis Bank credit card which may carry its own fee structure.

The card earns 15 EDGE REWARD points for every ₹200 spent. These points can be redeemed for flights, hotel stays, merchandise, and statement credits through the Axis Bank rewards portal.

No. The card carries zero forex markup on all international transactions. This is one of its standout benefits, saving 2-3.5% compared to most credit cards that charge foreign currency markup fees.

The card provides unlimited domestic and international airport lounge access for both primary and add-on cardholders. Guest visits are also covered, with 12 complimentary guest lounge visits per card per year.

You get 50 complimentary domestic golf rounds or lessons and 4 international golf rounds or lessons per year. These can be booked through the Extraordinary Weekends platform.

The card includes complimentary memberships to Club Marriott, Accor+ Explorer, Taj Epicure, and EazyDiner Prime. Existing members with active hotel memberships need to wait for their current membership to expire or cancel it before availing through Axis Bank.

Yes. A 24x7 concierge service assists with flight bookings, restaurant table reservations, shopping assistance, and more. You can reach the concierge partners at 1800 103 4962.

The card provides 8 complimentary airport meet and assist services per year. This covers assistance with check-in, baggage handling, and navigation at airports for a more comfortable travel experience.

Yes. The card includes travel insurance that covers baggage loss and delay, credit shield, and purchase protection. Global travel and medical assistance is also available during international trips.

The card provides complimentary EazyDiner Prime membership with up to 25% off at select fine dining restaurants. You also get up to 30% off through the Axis Bank Dining Delights programme and a complimentary Taj Epicure membership.

Yes. Effective December 2024, a 1% fee applies on cumulative wallet loads above ₹10,000, fuel above ₹50,000, utilities above ₹25,000, and online gaming above ₹10,000 per statement cycle. Education payments via third-party apps also attract a 1% fee.

A 1% fuel surcharge waiver applies on fuel transactions between ₹400 and ₹4,000. The maximum benefit is capped at ₹400 per month. GST on fuel surcharge is not refundable.

Yes. Cash withdrawals carry no charges and no interest is levied until the payment due date. This is a unique benefit not available on most other credit cards, which typically charge 2.5% or more on cash advances.

If your Burgundy Private status is discontinued, your One Card will be converted to the corresponding complimentary credit card of your downgraded savings account variant. Benefits and features will change accordingly.

You must be a Burgundy Private banking client with a minimum total relationship value (TRV) of ₹5 crore, excluding demat holdings. This applies to both salaried and self-employed individuals.

The card charges 1.5% per month (approximately 18% per annum) on outstanding balances carried forward past the due date. This is notably lower than most credit cards in India, which typically charge 3-3.75% monthly.

Yes. The card is built on a 'Power of One' philosophy, combining credit, debit, and forex card functions into a single product. It carries zero forex markup and allows free cash withdrawals, effectively replacing the need for separate cards.

Yes. Add-on cards can be issued for family members. Add-on cardholders get the same lounge access benefits as the primary cardholder, including unlimited domestic and international lounge visits.

You can buy 1 ticket and get up to ₹500 off on a movie ticket, or up to ₹1,000 off on a non-movie ticket (events, plays, sports) through BookMyShow.

The card provides concessions on health and wellness coaching at Weljii, consultations with world-class medical specialists for second opinions, and diagnostics at leading medical institutions. Global medical assistance during international travel is also covered.

There is no minimum spend requirement for the card itself. The requirement is to maintain Burgundy Private banking status, which is linked to your total relationship value of ₹5 crore, not your card spending.

Yes. An NRI variant of the Burgundy Private Credit Card is available with the same features and benefits. NRIs must meet the Burgundy Private eligibility criteria for their segment.

The credit limit is determined by the bank based on your overall relationship, income, and creditworthiness. During overseas travel, a dynamic credit flexibility feature can temporarily increase your limit to accommodate higher spending.

The card is available only through Burgundy Private banking onboarding. You can express interest via the Axis Bank Burgundy Private website or contact the Burgundy Private team. A relationship manager will guide you through the eligibility verification and application process.