{
  "id": "axis-privilege-easy-credit-card",
  "locale": "hi",
  "name": "Privilege Easy Credit Card",
  "bank": "Axis Bank",
  "cardType": "premium",
  "cardTier": "entry",
  "annualFee": "₹1,500 + GST",
  "loungeAccess": "साल में 8 घरेलू विज़िट (2/तिमाही; पिछले 3 कैलेंडर महीनों में ₹50,000 खर्च)",
  "rewardsRate": "पात्र खर्च पर ₹200 में 10 EDGE अंक (₹0.20/अंक पर 1%) · ₹2,500 एक्टिवेशन वाउचर · 8 लाउंज",
  "bestFor": "FD आधारित आवेदन, EDGE रिवॉर्ड और घरेलू लाउंज",
  "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": "₹5,00,000 पात्र वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "स्वागत उपहार",
      "value": "12,500 EDGE अंक (₹2,500 वाउचर मूल्य)"
    },
    {
      "key": "डाइनिंग व यात्रा",
      "value": "10 EDGE / ₹200 (1.0%)"
    },
    {
      "key": "सामान्य खर्च",
      "value": "10 EDGE / ₹200 (1.0%)"
    },
    {
      "key": "घरेलू लाउंज",
      "value": "8 विज़िट / वर्ष (2/तिमाही)"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹1,500 + GST"
    },
    {
      "key": "जारी करने का आधार",
      "value": "फिक्स्ड डिपॉजिट / शून्य आय प्रमाण"
    }
  ],
  "earnRates": [
    {
      "category": "डाइनिंग व ट्रेवल बुकिंग्स",
      "rate": "1.0% (10 EDGE / ₹200)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "5,000 EDGE Pts (₹1,000 value)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "1.0% (10 EDGE / ₹200)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "5,000 EDGE Pts (₹1,000 value)"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 EDGE Pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "वार्षिक खर्च माइलस्टोन (₹2.5 लाख)",
      "multiplier": "Milestone",
      "rate": "10,000 EDGE points",
      "monthlyCap": "Annual milestone",
      "dailyCap": "—",
      "note": "10,000 EDGE अंक, वाउचर मूल्य ₹2,000।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "ब्रांड वाउचर्स और गिफ्ट कार्ड्स",
      "value": "₹0.20 / पॉइंट",
      "minPoints": "500 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "फ्लाइट और होटल बुकिंग्स",
      "value": "₹0.20 / पॉइंट",
      "minPoints": "500 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य"
    }
  ],
  "exclusions": [
    "EDGE रिवॉर्ड से बाहर रखे गए लेन-देन के लिए Axis की मौजूदा शर्तें देखें।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹1,500 + GST (12,500 EDGE अंक; ₹2,500 वाउचर मूल्य)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹1,500 + GST (₹5,00,000 पात्र खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.40% प्रति माह (49.36% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "18 से 70 वर्ष"
    },
    {
      "criteria": "फिक्स्ड डिपॉजिट",
      "requirement": "Axis Bank में न्यूनतम ₹65,000 पात्र FD"
    },
    {
      "criteria": "आय प्रमाण",
      "requirement": "आय दस्तावेज नहीं; स्वीकृति Axis पात्रता के अधीन"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}