{
  "id": "axis-pride-signature-credit-card",
  "locale": "en",
  "name": "Axis Bank Pride Signature Credit Card",
  "bank": "Axis Bank",
  "cardType": "entry-level",
  "cardTier": "entry",
  "annualFee": "₹500 + GST (First Year Free for Defence)",
  "loungeAccess": "8 Domestic Lounges / year (2/qtr)",
  "rewardsRate": "8 EDGE Points / ₹200 (1.0%) · 8 Airport Lounges · 15% Dining Delights · RuPay UPI",
  "bestFor": "Indian Armed Forces officers, defense personnel, 8 domestic airport lounges, RuPay UPI & low fee waiver",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/pride-signature-credit-card",
  "aiVerdict": {
    "score": 5.4,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "axis-pride-signature-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Axis Bank — Pride Signature Credit Card schedule of charges",
    "Axis Bank Defence Banking — Pride Signature armed forces lounge and reward rules"
  ],
  "feeWaiver": "Waived on ₹40,000 annual spend (Low)",
  "networks": [
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Base Rewards",
      "value": "8 EDGE Points / ₹200 (1.0%)"
    },
    {
      "key": "Domestic Lounge",
      "value": "8 visits / year (2/qtr)"
    },
    {
      "key": "Dining Delights",
      "value": "Up to 15% Off (Partner dining)"
    },
    {
      "key": "UPI Integration",
      "value": "RuPay UPI QR Merchant Payments"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹40,000 / year (Low)"
    },
    {
      "key": "Annual Fee",
      "value": "₹500 + GST (Year 1 Free)"
    }
  ],
  "earnRates": [
    {
      "category": "All Domestic Retail & UPI Spends",
      "rate": "1.0% (8 EDGE Pts / ₹200)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "4,000 pts (₹1,000 value)"
    },
    {
      "category": "Partner Dining (Dining Delights)",
      "rate": "Up to 15% Instant Discount",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹15,000 Savings"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Domestic Lounges",
      "multiplier": "8 Visits",
      "rate": "Airport Lounge",
      "monthlyCap": "2 / quarter",
      "dailyCap": "—",
      "note": "8 free domestic lounges / yr."
    },
    {
      "channel": "RuPay UPI Spends",
      "multiplier": "8 pts / ₹200",
      "rate": "1.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Scan & pay at merchant QRs."
    },
    {
      "channel": "Dining Delights",
      "multiplier": "15% Off",
      "rate": "Discounts",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "15% off at 10,000+ restaurants."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Vouchers & Gift Cards",
      "value": "₹0.25 / EDGE Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "Flight & Hotel Bookings (EDGE Travel)",
      "value": "₹0.20 / EDGE Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹4,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (Complimentary First Year for Defence)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹500 + GST (Waived at ₹40,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.75% / month (55.55% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Profession",
      "requirement": "Indian Armed Forces / Paramilitary Personnel"
    },
    {
      "criteria": "Age",
      "requirement": "18–70 years"
    },
    {
      "criteria": "Documentation",
      "requirement": "Defence Service ID / Pension Book"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}