In the ever-evolving landscape of credit card options, Axis Bank offers two distinctive choices for discerning consumers: the Axis Bank Privilege Credit Card and the Axis Bank Aura Credit Card. The Privilege Credit Card, with a joining fee of Rs. 1,500 (though currently available at Nil fees through a limited-period offer), positions itself as a premium travel and shopping companion, offering an impressive welcome bonus of 12,500 EDGE reward points worth Rs. 2,500 and additional reward points on reaching spending milestones. In contrast, the Aura Credit Card, with a more accessible joining fee of Rs. 749, focuses on health and wellness benefits alongside shopping rewards, providing perks such as a Decathlon voucher worth Rs. 750, online doctor consultations, and fitness training sessions. This comparison explores how these two cards cater to different lifestyle needs and spending habits, helping you determine which aligns better with your financial priorities and personal preferences. After you choose the most suitable credit card aligned with your priorities and preferences, check your free CIBIL score on Wishfin. Your CIBIL score is the most important eligibility factor that credit card issuers look into. Therefore, before applying, it is essential to know your score to understand whether you meet their CIBIL score standards.
Comparing the Features of the Axis Bank Privilege Credit Card and Axis Bank Aura Credit Card
Axis Bank Privilege Credit Card
The Axis Bank Privilege Credit Card is designed for individuals seeking premium travel benefits and rewards on everyday spending. It offers various perks including lounge access, dining discounts, and comprehensive reward points
Axis Bank Aura Credit Card
The Axis Bank Aura Credit Card is specifically curated for health and wellness enthusiasts. This card focuses on providing health-related benefits such as doctor consultations, fitness sessions, and discounts on health check-ups, while also offering rewards on regular purchases.
| Feature | Axis Bank Privilege Credit Card | Axis Bank Aura Credit Card |
|---|---|---|
|
Joining Fee |
Rs. 1,500 (Nil for Priority Customers) |
Rs. 749 |
|
Annual Fee |
Rs. 1,500 |
Rs. 749 |
|
Annual Fee Waiver |
Available on spending Rs. 5 lakhs in previous card anniversary year |
Not available |
|
Finance Charges |
3.75% per month (55.55% p.a.) |
3.75% per month (55.55% p.a.) |
|
Reward Points |
10 EDGE REWARDS on every Rs. 200 spent |
2 EDGE Points on every Rs. 200 spent (5X on insurance spends) |
|
Welcome Benefits |
12,500 EDGE reward points worth Rs. 2,500 upon joining fee payment and first transaction |
Rs. 750 Decathlon gift voucher |
|
Milestone Benefits |
10,000 EDGE reward points worth Rs. 2,000 on spending Rs. 2.5 lakhs in a card anniversary year |
Not available |
|
Airport Lounge Access |
Two complimentary domestic lounge access per calendar quarter (with 50K spends in prior 3 months) |
Not available |
|
Health Benefits |
Not available |
|
|
Fuel Surcharge Waiver |
1% on transactions between Rs. 400 - 4,000 (Up to a maximum of Rs. 400 per month) |
1% on transactions between Rs. 400-4,000 (max Rs. 250 per statement cycle) |
|
Dining Benefits |
Get a discount of up to Rs. 800 on dining bills at partner restaurants via EazyDiner under the Axis Bank Dining Delights program |
Up to 15% discount at partner restaurants |
|
Insurance Benefits |
Purchase Protection Plan up to Rs. 1 Lakh. Credit Shield up to Rs. 1 Lakh. Travel document loss cover up to 300 USD Baggage delay/loss cover. |
5X EDGE reward points on your insurance spends (Upper limit on the maximum amount of transaction is Rs. 10,000. |
|
Late Payment Fee |
Tiered structure based on payment due |
Tiered structure based on payment due |
Features & Benefits in Detail for Both the Cards
Axis Bank Privilege Credit Card
Rewards Program
- Earn 10 EDGE REWARDS points for every Rs. 200 spent
- Additional 10,000 EDGE reward points worth Rs. 2,000 upon spending Rs. 2.5 lakhs annually
- Annual fee reversal on spending Rs. 5 lakhs in the previous card anniversary year
Travel Benefits
- Two complimentary domestic airport lounge access per calendar quarter
- Travel-related insurance coverage including loss of travel documents and baggage protection
- Wednesday Delight offers with savings on flights and hotels through partner platforms
Other Benefits
- Dining Delights program with up to 20% discount at 4,000+ partner restaurants
- Fuel surcharge waiver of 1% (transactions between Rs. 400-4,000)
- EMI conversion facility for purchases above Rs. 2,500
- Comprehensive insurance coverage for purchases and travel
Axis Bank Aura Credit Card
Health & Wellness Benefits
- 4 free video doctor consultations per month via Practo (48 annually, includes family members)
- 4 free interactive video fitness sessions monthly plus 16 recorded sessions via Fitternity
- Up to Rs. 500 discount on annual health check-up at IndushealthPlus
- Minimum 30% discount on nutritional/diet consultation and nutritional foods
- 20% off on all lab tests, prescription medicine orders, and health check-ups
Rewards Program
- 2 EDGE Points for every Rs. 200 spent
- 5X reward points on insurance spends (a category typically excluded from rewards)
- Welcome gift of Rs. 750 Decathlon voucher
Other Benefits
- Dining discounts up to 20% at partner restaurants through Axis Bank Dining Delights program
- Fuel surcharge waiver of 1% on transactions between Rs. 400-4,000
- EMI conversion option for large purchases.
Fees & Charges
Axis Bank Privilege Credit Card
- Joining Fee: Rs. 1,500 (Nil for Priority Customers)
- Annual Fee: Rs. 1,500 (waived on spending Rs. 5 lakhs in previous card anniversary year)
- Finance Charges: 3.6% per month (52.86% p.a.)
- Cash Withdrawal Fee: 2.5% (minimum Rs. 500)
- Foreign Currency Transaction Fee: 3.50% of transaction value
Axis Bank Aura Credit Card
- Joining Fee: Rs. 749
- Annual Fee: Rs. 749 (no waiver option)
- Finance Charges: 3.4% per month (49.36% p.a.)
- Cash Withdrawal Fee: 3.4% or minimum Rs. 500
- Foreign Transaction Fee: 3.5% of transaction value.
Eligibility Criteria
Axis Bank Privilege Credit Card
While specific criteria aren't detailed on the official website, typical premium credit card requirements include:
- Good credit score
- Steady income source
- Age between 18-70 years
Axis Bank Aura Credit Card
- Age: 18-70 years for primary applicant (add-on cardholder must be above 15 years)
- Nationality: Indian resident or NRI
- Documents: Identity proof (Passport, Driver's License, Aadhaar, PAN Card), Income proof (Form 60, IT Returns, Salary Slip), Address proof (Ration Card, Passport, Electricity/Telephone Bill)
Which Card Should You Choose?
Choose Axis Bank Privilege Credit Card if:
- You're a frequent traveler who can benefit from airport lounge access
- You spend heavily (Rs. 5+ lakhs annually) and can qualify for the annual fee waiver
- You value comprehensive travel insurance benefits
- You prefer higher reward points on everyday spending
- You're looking for milestone-based rewards
Choose Axis Bank Aura Credit Card if:
- Health and wellness benefits are your priority
- You frequently use online medical consultations or fitness classes
- You make significant insurance payments (to leverage 5X rewards)
- You have a modest spending pattern and prefer a lower annual fee
- You or your family members require regular doctor consultations.
Conclusion
The Axis Bank Privilege Credit Card and Axis Bank Aura Credit Card cater to distinctly different customer needs. The Privilege Card focuses on travel benefits, higher rewards, and premium services with a higher fee structure but offers a waiver option for high spenders. Meanwhile, the Aura Card targets health-conscious individuals with its unique wellness benefits at a lower fee point but without waiver options. Your choice between these cards should align with your lifestyle, spending habits, and priority benefits. If you're a frequent traveler who spends heavily, the Privilege Card might offer better value despite its higher fees. However, if health and wellness services are important to you, the Aura Card's specialized benefits make it an attractive option at a lower cost. Before applying, consider evaluating your typical monthly expenditure, your ability to meet spending thresholds for fee waivers, and which set of benefits would better complement your lifestyle.
FREQUENTLY ASKED QUESTIONS
1. What are the main differences between Axis Bank Privilege Credit Card and Axis Bank Aura Credit Card?
The Axis Bank Privilege Credit Card is a premium card focused on travel, dining, and lifestyle benefits with higher rewards on overall spending, while the Axis Bank Aura Credit Card is specifically designed for health and wellness benefits with specialized features like free doctor consultations and fitness sessions.
2. Which card has a higher annual fee?
The Axis Bank Privilege Credit Card has an annual fee of Rs. 1,500 (plus applicable taxes), while the Axis Bank Aura Credit Card has an annual fee of Rs. 749 (plus applicable taxes).
3. What are the milestone benefits for the Axis Privilege credit card and the Axis Bank Aura Credit Card?
The Privilege Credit Card offers additional 10,000 EDGE Reward points worth Rs. 2,000 upon achieving a spending milestone of Rs. 2.5 lakhs in a card anniversary year. The Aura Credit Card doesn’t specify any milestone benefits in the search results.
4. What health and wellness benefits does the Axis Aura and Axis Privilege Credit Cards offer?
The Aura Credit Card offers:
- 4 complimentary video doctor consultations monthly through Practo (Up to 48 free consultations annually)
- Flat 20% off on all prescription medicine orders, lab tests, and health check-ups via Practo
- 4 free interactive video fitness sessions per month along with access to 16 recorded sessions via Fitternity
- Up to Rs. 500 discount on annual health check-up at IndushealthPlus
- Minimum 30% discount on nutritional/diet consultation
- Minimum 30% discount on nutritional foods
The Privilege Credit Card doesn’t offer specific health and wellness benefits.
5. How can I apply for the Axis Aura and the Axis Privilege credit cards?
You can apply for either card online through the Axis Bank official website or by visiting any Axis Bank branch. For online applications, you’ll need to fill out an application form and upload the required documents.
