Axis Bank · Mid
Axis Privilege
Earns Axis EDGE (Select / Privilege / REWARDS: 10:1)
Where it ranks across all 187 cards
#37 Gaming
1.0%
direct
#41 Mobile / broadband
1.0%
direct
#47 Train tickets
1.0%
direct
#51 Other
1.0%
direct
#53 Cabs & transit
1.0%
direct
#55 Health & pharmacy
1.0%
direct
#58 Electronics
1.0%
direct
#66 Hotels
1.0%
direct
#68 Flights
1.0%
direct
#69 Fashion
1.0%
direct
#70 Online shopping
1.0%
direct
#70 Groceries
1.0%
direct
#70 Movies & events
1.0%
direct
#72 Dining out
1.0%
direct
#72 Food delivery
1.0%
direct
23 Sep 2026 - Axis EDGE dropped Club ITC (Sep 2026)
Axis points can no longer be moved to Club ITC. If you were saving points for an ITC transfer, that route is closed. The same change brought back Accor and added Cathay, Hilton and Miles & More.
Source: Axis Travel Edge Miles Transfer T&C · read 23 Sep 2026
28 Aug 2026
From 28 Aug 2026: the markup when you pay abroad in rupees rises to 3.5%, late fees rise, and gift cards and tolls no longer earn. From 1 Nov 2026 the District movie buy-one-get-one needs ₹25,000 spend in 3 months.
2 Apr 2026 - Axis EDGE still cannot reach Marriott (dropped Apr 2, 2026)
Axis points still cannot be moved to Marriott (removed 2 Apr 2026). Use Amex or HSBC points for Marriott instead. Accor, removed at the same time, is back; Qatar Avios still transfers, at a lower rate.
Source: Axis Travel Edge Miles Transfer T&C · read 23 Sep 2026
Get an email if this card changes - sign in.
EDGE catalogue ~₹0.20/pt (bank milestone math: 10,000 pts = ₹2,000)
Points valued at ₹0.2/pt - conservative, what rankings use · transfers reach up to ₹0.23/pt via Accor ALL (Live Limitless) at 10:1
Reward rules1 direct
Base rate - everything not covered below
1.00%base rate
10 pts / ₹200
source
Source: Axis Privilege card page (axis.bank.in) - axis.bank.in - read 21 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
What 10,000 points become. The low end of each range ranks; the high end is display only.
Accor ALL (Live Limitless)
10:1 ratio · Back as a partner in the Sep 2026 revision, Group A, reduced ratio tier.
1,000 ptsworth ₹2,100-₹2,300
Singapore Airlines KrisFlyer
10:1 ratio
1,000 ptsworth ₹800-₹2,500
Air Canada Aeroplan
10:1 ratio
1,000 ptsworth ₹800-₹2,200
Postcard Hotels Sunshine Club
10:1 ratio
1,000 ptsworth ₹800-₹1,100
Japan Airlines Mileage Bank
10:1 ratio
1,000 ptsworth ₹700-₹2,000
Turkish Airlines Miles&Smiles
10:1 ratio
1,000 ptsworth ₹700-₹2,200
Air France-KLM Flying Blue
10:1 ratio · Moved to Group A in the Sep 2026 revision.
1,000 ptsworth ₹700-₹2,000
Cathay Asia Miles
10:1 ratio · Added in the Sep 2026 revision, Group A, reduced ratio tier.
1,000 ptsworth ₹700-₹2,000
Yearly limits: 1 lakh points to Group A and 4 lakh to Group B (5 lakh in all). Every partner converts at 10:1; SpiceJet and AirAsia are better at 5:1.
Earns nothing on12 exclusions
Tolls and bridge fees
earns nothing
Bridge fees, road fees and tolls: no rewards (from 28 Aug 2026).
→ use FIRST Private here (6.6%)
detail & source
MCCs: 4784
Source: Axis credit card T&C revision effective 28-08-2026 (campaign.axis.bank.in PDF) - campaign.axis.bank.in - read 27 Aug 2026
Gift, card, novelty and souvenir shops
earns nothing
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026).
→ use FIRST Private here (6.6%)
detail & source
Axis excludes by spend category; 5947 is the closest MCC mapping.
MCCs: 5947
Source: Axis credit card T&C revision effective 28-08-2026 (campaign.axis.bank.in PDF) - campaign.axis.bank.in - read 27 Aug 2026
Jewellery & watches
earns nothing
Gold and jewellery excluded from ERP earn (Apr 2024).
→ use HDFC Infinia Metal here (3.3%)
detail & source
Since 20 Jun 2025 Axis identifies exclusions by spend category, not MCC; codes here are from the last bank-published MCC tables.
categories: Jewellery & watches · MCCs: 5094, 5944
Source: Privilege revision 20 Apr 2024 (axis.bank.in PDF) - campaign.axis.bank.in - read 22 Aug 2026
Rent
earns nothing
Rent excluded from reward earn and fee waiver (current category list).
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: Privilege T&C revision 20 Jun 2025 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Wallet load
earns nothing
Wallet loads excluded.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540
Source: Privilege T&C revision 20 Jun 2025 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Insurance
earns nothing
Insurance excluded.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 6300, 6381, 5960, 6012, 6051
Source: Privilege T&C revision 20 Jun 2025 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Government / tax
earns nothing
Government services excluded.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
categories: Government / tax · MCCs: 9222, 9311, 9399, 9402
Source: Privilege T&C revision 20 Jun 2025 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Utility bills
earns nothing
Utility & telecom excluded.
→ use FIRST Private here (6.6%)
detail & source
categories: Utility bills · MCCs: 4814, 4816, 4899, 4900
Source: Privilege T&C revision 20 Jun 2025 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Fuel
earns nothing
Fuel excluded.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5541, 5542, 5983
Source: Privilege T&C revision 20 Jun 2025 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Education
earns nothing
Educational services excluded.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8299, 8211, 8241, 8244, 8249
Source: Privilege T&C revision 20 Jun 2025 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
EMI
earns nothing
EMI conversions: earned points are debited (EDGE master T&C).
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Axis credit cards MITC (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
FASTag recharge
earns nothing
W.e.f. 28 Aug 2026: no rewards on bridge fees, road fees and tolls (portfolio-wide revision).
detail & source
Gift-card purchases also reclassified to an excluded Gift Card category.
merchants: FASTag recharge
Source: Axis 28-Aug-2026 generic revision (campaign PDF) - campaign.axis.bank.in - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.