{
  "id": "axis-privilege-easy-credit-card",
  "locale": "en",
  "name": "Privilege Easy Credit Card",
  "bank": "Axis Bank",
  "cardType": "premium",
  "cardTier": "entry",
  "annualFee": "₹1,500 + GST",
  "loungeAccess": "8 domestic visits/year (2/quarter, ₹50,000 in preceding 3 calendar months)",
  "rewardsRate": "10 EDGE points / ₹200 eligible spend (1% at ₹0.20/point) · ₹2,500 activation vouchers · 8 lounges",
  "bestFor": "FD-backed issuance, EDGE rewards and domestic lounges",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/privilege-easy-credit-card",
  "aiVerdict": {
    "score": 4.2,
    "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",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "axis-privilege-easy-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "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": [
    "https://www.axis.bank.in/cards/credit-card/privilege-easy-credit-card"
  ],
  "feeWaiver": "Waived at ₹5,00,000 eligible annual spend",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Welcome Gift",
      "value": "12,500 EDGE points (₹2,500 voucher value)"
    },
    {
      "key": "Dining & Travel",
      "value": "10 EDGE / ₹200 (1.0%)"
    },
    {
      "key": "General Spends",
      "value": "10 EDGE / ₹200 (1.0%)"
    },
    {
      "key": "Domestic Lounge",
      "value": "8 visits / year (2/qtr)"
    },
    {
      "key": "Annual Fee",
      "value": "₹1,500 + GST"
    },
    {
      "key": "Issuance Basis",
      "value": "Fixed Deposit / Zero Income Proof"
    }
  ],
  "earnRates": [
    {
      "category": "Dining & Travel Bookings",
      "rate": "1.0% (10 EDGE / ₹200)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "5,000 EDGE Pts (₹1,000 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1.0% (10 EDGE / ₹200)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "5,000 EDGE Pts (₹1,000 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 EDGE Pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Annual spend milestone (₹2.5 Lakh)",
      "multiplier": "Milestone",
      "rate": "10,000 EDGE points",
      "monthlyCap": "Annual milestone",
      "dailyCap": "—",
      "note": "10,000 EDGE points worth ₹2,000 in vouchers."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Vouchers & Gift Cards",
      "value": "₹0.20 / pt",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Flight & Hotel Bookings",
      "value": "₹0.20 / pt",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Check current Axis terms for transactions excluded from EDGE rewards."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹1,500 + GST (12,500 EDGE points worth ₹2,500 in vouchers)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹1,500 + GST (Waived at ₹5,00,000 eligible spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.40% / month (49.36% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "18–70 years"
    },
    {
      "criteria": "Fixed Deposit",
      "requirement": "Minimum ₹65,000 eligible FD with Axis Bank"
    },
    {
      "criteria": "Income Proof",
      "requirement": "No income documents; approval subject to Axis eligibility"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}