Axis Bank Pride Signature Credit Card

Name: Axis Bank Pride Signature Credit Card
Brand: Axis Bank
Availability: InStock
Rating: 3.2 (1 reviews)

Overview

The Axis Bank Pride Signature Credit Card is a tribute to Indian defence personnel, featuring the national tricolour on the card face with a dedicated fourth embossing line for serving members. This Visa Signature tier card from Axis Bank targets an exclusive audience: active and retired defence forces personnel. While the card's feature set resembles a standard mid-tier offering, the nil joining fee and easy annual fee waiver make it genuinely wallet-friendly for its intended users.Lounge access is the headline benefit. Cardholders get 2 complimentary visits to select domestic airport lounges per calendar quarter, totalling 8 visits per year. For a card with zero joining fee, that lounge allocation is generous. There is no international lounge access, which limits value for overseas travellers, but domestic coverage is solid for frequent flyers within India.The rewards structure pays 8 EDGE REWARD points for every ₹200 spent, redeemable across 500+ options in the EDGE REWARDS catalogue. Dining Delights membership gives 15% off (up to ₹500, minimum order ₹2,500) at partner restaurants once per month per card. A 1% fuel surcharge waiver applies on transactions between ₹400 and ₹4,000, with benefits capped at ₹400 per statement cycle. Wednesday Delight offers add periodic discounts on travel bookings, food delivery, and beauty products.The ₹500 annual fee kicks in from the second year but gets waived with just ₹40,000 in annual spending, one of the lowest waiver thresholds among Signature cards. That said, the card has no accelerated reward categories, no international perks, and charges a 3.5% foreign currency markup. Rent and wallet load transactions attract a 1% fee each, and fuel and utility transactions face tiered fees above certain thresholds. For defence personnel wanting a simple, affordable card with lounge access and dining perks, it fits the bill.

Pros

↑8 complimentary domestic airport lounge visits per year with nil joining fee is one of the best lounge-to-fee ratios available
↑Annual fee of ₹500 gets waived on just ₹40,000 annual spend, making it effectively free for most regular card users
↑15% dining discount through Dining Delights and Wednesday offers on travel, food delivery, and beauty provide recurring savings

Cons

↓Exclusively available to Indian defence personnel, so the general public cannot apply for this card
↓No accelerated reward categories or cashback tiers, with a flat earn rate of 8 points per ₹200 on all spends
↓3.5% foreign currency markup and zero international lounge access make it a poor choice for overseas transactions

Key Highlights

Welcome Offer
8 domestic lounge visits per year
2 visits per calendar quarter
Select domestic airports only
Primary cardholder only
No minimum spend condition

Reward Rate
8 EDGE REWARD pts per ₹200 spent
Earn on all spending categories
500+ redemption options in catalogue
No accelerated categories
Fuel transactions excluded from rewards

Minimum Salary
Defence personnel, 18-70 years
Exclusively for Indian defence forces
Age: 18 to 70 years
Indian resident or NRI
Add-on cards for family over 18

Joining Fee
Nil
No joining fee charged
Free add-on cards included
Card replacement fee: Nil
Hotlisting charges: Nil

Annual Fee
₹500 (waived on ₹40K annual spend)
1st year: Nil
2nd year onwards: ₹500
Waived on ₹40,000 annual spend
Rent and wallet loads excluded from waiver calculation

Why Choose?
Exclusive card for defence personnel
Tri-colour card with national flag design
Dedicated 4th embossing line
8 lounge visits + dining discounts
Fuel waiver and EDGE REWARD points

Key Benefits

Dining

★3.5

▼

15% off at partner restaurants via Dining Delights
Maximum discount: ₹500 per visit
Minimum order value: ₹2,500
Valid once per card per month
Available across partner restaurants in India

Fuel

★3.0

▼

1% fuel surcharge waiver on ₹400 to ₹4,000 transactions
Maximum benefit: ₹400 per statement cycle
Available at all fuel stations across India
No EDGE REWARD points earned on fuel
1% fee on cumulative fuel spends above ₹50,000 per statement cycle

Reward Points

★3.0

▼

8 EDGE REWARD points per ₹200 spent
500+ rewards and offers for redemption
No accelerated earning categories
Fuel transactions do not earn points
Standard Axis Bank EDGE REWARDS catalogue

Merchant Offers

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Wednesday Delight: 15% off flights/hotels on Goibibo/MakeMyTrip
10% off on Swiggy and Amazon Fresh
10% off up to ₹1,000 on Tira
Periodic Axis Bank promotional deals

Travel

★3.0

▼

8 complimentary domestic airport lounge visits per year
2 visits per calendar quarter at select airports
No international lounge access
3.5% foreign currency markup on international transactions
Wednesday Delight travel offers on Goibibo and MakeMyTrip

Airport Lounge Access

▼

2 visits per calendar quarter (8 per year)
Select domestic airports only
Primary cardholder only
No international lounge access
No minimum spend condition

Emi

▼

Available on eligible purchases by contacting Axis Bank
Finance charges: 3.75% per month
Processing fees may apply depending on tenure

Detailed Information

Joining Fee	No joining fee
Annual Fee	₹500 from 2nd year (1st year nil)
Annual Fee Waiver	Waived on ₹40,000 annual spend (excludes rent and wallet loads)
Monthly Percentage Rate	3.75%
Annual Percentage Rate	55.55%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	Nil up to ₹500 due; ₹500 (₹501-₹5,000); ₹750 (₹5,001-₹10,000); ₹1,200 (above ₹10,000)
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹500)
Card Replacement Fee	Nil
Fee For Duplicate Statement	Waived
Fee For Cheque Bounce	2% of payment amount (min ₹500)

Age Requirement Salaried	18-70 years (defence personnel only)
Age Requirement Self Employed	Not applicable (defence personnel card)
Minimum Annual Income Salaried	Not specified (bank discretion)
Minimum Annual Income Self Employed	Not applicable
Minimum Credit Score	Not specified (bank discretion)

Identity Proof	PAN Card (mandatory) or Form 60 Passport Driving License Aadhaar Card
Address Proof	Passport Ration Card Electricity bill Landline telephone bill
Income Proof Salaried	Latest payslip Form 16 IT return copy
Income Proof Self Employed	Not applicable (defence personnel card)

Frequently Asked Questions

The joining fee is nil. There is no charge to get the card issued. Add-on cards for family members are also free of cost.

The first year has no annual fee. From the second year, a ₹500 annual fee applies but gets waived if you spend ₹40,000 or more in the preceding year. Rent and wallet load transactions do not count toward this threshold.

This card is exclusively available to Indian defence personnel. The primary cardholder must be between 18 and 70 years old and be a resident of India or a non-resident Indian.

You get 2 complimentary visits to select domestic airport lounges per calendar quarter, totalling 8 visits per year. The benefit is for the primary cardholder only. International lounge access is not included.

A 1% fuel surcharge waiver applies on fuel transactions between ₹400 and ₹4,000. The maximum benefit is capped at ₹400 per statement cycle. GST charged on fuel surcharge is not refundable, and no EDGE REWARD points are earned on fuel.

You earn 8 EDGE REWARD points for every ₹200 spent on the card. Points can be redeemed across 500+ rewards and offers through the EDGE REWARDS catalogue. Fuel transactions do not earn reward points.

Dining Delights gives you 15% off (up to ₹500) at partner restaurants across India. The minimum order value is ₹2,500. This offer is valid once per card per month.

Wednesday Delight brings weekly deals including up to 15% off on flights and hotels via Goibibo and MakeMyTrip, 10% off on Swiggy and Amazon Fresh orders, and 10% off up to ₹1,000 on Tira. These offers change periodically.

The finance charge is 3.75% per month, which translates to 55.55% per annum. This applies to retail purchases and cash withdrawals where the full balance is not paid by the due date.

Late payment fees are tiered: nil if total due is up to ₹500, then ₹500 for dues between ₹501 and ₹5,000, ₹750 for ₹5,001 to ₹10,000, and ₹1,200 above ₹10,000. An additional ₹100 applies if minimum amount due is missed for two consecutive cycles.

International transactions attract a 3.5% foreign currency markup. An additional 1.5% dynamic currency conversion fee applies if you choose to transact in Indian rupees at international locations.

Yes. Free add-on cards are available for your spouse, parents, children, and siblings who are over 18 years old. Both joining and annual fees for add-on cards are nil.

Cash withdrawals attract a fee of 2.5% of the amount withdrawn, with a minimum charge of ₹500. Finance charges of 3.75% per month also apply from the date of withdrawal.

You need a PAN card or Form 60, a colour photograph, income proof (payslip, Form 16, or IT return), residence proof (passport, ration card, electricity bill, or landline bill), and identity proof (passport, driving license, PAN card, or Aadhaar).

The Pride Signature card is exclusively for Indian defence personnel. It features a tri-colour design inspired by the Indian national flag and includes a dedicated fourth embossing line to acknowledge service to the nation.

No. Card replacement is free. If your card is lost, stolen, or damaged, Axis Bank will issue a replacement at no charge.

If you report your card as lost or stolen immediately by calling 1860 500 5555 or 1860 419 5555, you are protected against any fraudulent transactions from the moment you report the loss.

Yes. A 1% fee per transaction applies on all rental payments (MCC 6513). Applicable taxes are charged as per government norms. Rent transactions also do not count toward the ₹40,000 annual fee waiver threshold.

The overlimit penalty is 2.5% of the overlimit amount, with a minimum charge of ₹500. This applies when your spending exceeds the assigned credit limit.

Large purchases can be converted to EMI by contacting Axis Bank. Finance charges of 3.75% per month apply. The exact terms depend on the transaction amount and chosen tenure.

A 1% fee applies on cumulative wallet load spends of ₹10,000 or more in a statement cycle. Wallet load transactions (MCC 6540) also do not count toward the annual fee waiver calculation.

A 1% fee applies on cumulative utility spends of ₹25,000 or more per statement cycle. Below this threshold, no additional fee is charged on utility payments.

Yes. Non-resident Indians who are defence personnel can apply for the Pride Signature Credit Card, provided they meet the age and other eligibility criteria set by Axis Bank.

If a cheque payment bounces or an auto-debit reversal occurs, a fee of 2% of the payment amount applies, with a minimum charge of ₹500.

All Pride Signature cards come with EMV certified chip and PIN technology. The embedded chip reduces the risk of counterfeit fraud and card skimming, as each transaction generates a unique code for verification.