Axis Bank Platinum Credit Card Fair Practice Code

Fair Practice Code :

1. In the Code, 'you' denotes the credit card customer and 'we' denotes Axis Bank. The standards of the Code are governed by the four key commitments detailed in paragraph titled 'Key Commitments'.

Unless stated otherwise, all parts of this Code apply to all the credit card products and services, whether we provide them across the counter, over the phone, on the internet or by any other method.

Commitments outlined in this Code are applicable under normal operating environment. In the event of force majeure, we may not be able to fulfill the commitments under this Code.

Key Commitments :

We promise to:

1. Act fairly and reasonably in all our dealings with you by:

* Meeting the commitments and standards in this Code, for the products and services we offer, and in the procedures and practices our staff or agents follow

* Making sure our products and services meet relevant laws and regulations ensuring that our dealings with you will rest on ethical principles of integrity and transparency.

* Not engaging in any unlawful or unethical consumer practice.

Credit card is a plastic card with a credit facility, which allows you to pay for goods and services or to withdraw cash.

2. Help you to understand how our credit card products and services work by giving you the following information in a simple language:

* What are the benefits to you
* How you can avail of the benefits
* What are their financial implications
* Whom you can contact for addressing your queries and how

3. Deal quickly and effectively with your queries and complaints by:

* Offering channels for you to route your queries
* Listening to you patiently
* Accepting our mistakes, if any
* Correcting mistakes or implementing changes to address your queries
* Communicating our response to you promptly
* Telling you how to take your complaint forward if you are not satisfied with the response

4. Publicize this Code, by making it available for public access on our website and make copies available for you on request.

Information (To help you to choose products and services, which meet your needs)

1. Before you become a credit card customer, we will:

* Give you information explaining the key features of our credit card products including applicable fees and charges

* Advise you what information or documentation we need from you to enable us to issue credit card to you. We will also, advise you what documentation we need from you with respect to your identity, address, employment etc., and any other document that may be stipulated by statutory authorities (eg, PAN details), in order to comply with legal and regulatory requirements

* Verify the details mentioned by you in the credit card application by contacting you on your residence and/or business telephone numbers and/or physically visiting your residence and/or business addresses through agencies appointed by us for this purpose, if deemed necessary by us.

2. While you apply for credit card, we will explain the relevant terms and conditions such as fees and interest charges, billing and payment, renewal and termination procedures and any other information that you may require to operate the card.

3. We will advise you of our targeted turn around time while you are availing or applying for a product or service.

4. We will send a service guide or member booklet giving detailed terms and conditions, interest and charges applicable and other relevant information with respect to usage of your credit card along with your first credit card.

5. We will advise you our contact details such as contact telephone numbers, postal address, website or email address to enable you to contact us whenever you need to.

6. If you do not recognize a transaction, which appears on your credit card statement, we will give you more details if you ask us. In some cases, we may need you to give us confirmation or evidence that you have not authorized a transaction.

7.We will inform you, through our service guide or member booklet of the losses on your account that you may be liable if your card is lost or misused.

Tariff (Fees or charges or interest)

1. You can find our schedule of common fees and charges (including interest rates) by:

* Referring to the service guide or member booklet
* Calling up on customer service numbers
* Visiting our website; or
* Asking our designated staff.

2. When you become a customer, we will provide you information on the interest rates applicable on your credit card and we will charge the same to your credit card account, if applicable.

3. If you ask us, we will explain how we apply interest to your account.

4. Changes in our tariff: When we change our tariff (interest rate or other fees or charges) on our credit card products, we will update the information on our telephone helpline or website.

Marketing Ethics:

1. Field personnel

* Our sales representatives will identify themselves when they approach you for selling card products.

* We have prescribed a code of conduct for our Direct Selling Agents (DSAs) whose services we may avail to market credit card products.

* In the event of receipt of any complaint from you that our representative has engaged in any improper conduct, we shall take appropriate steps to redress the complaint.


2. Telemarketing:

* If our telemarketing staff or agents contact you over phone for selling any of our credit card products or with any cross sell offer, the caller will identify himself or herself and advise you that he or she is calling on our behalf.

Issuance of credit card or PIN:

6.1 We will dispatch your credit card only to the mailing address mentioned by you through courier or post. Alternatively, we shall deliver your credit card at our branches which maintain your banking account(s) under due intimation to you.

6.2 We may also issue deactivated (not ready to use) credit card if we consider your profile appropriate for issuing credit card and such deactivated card will become active only after your acceptance of the same.

6.3 PIN (Personal Identification Number) whenever allotted, will be sent to you separately.
Account Operations

* Credit card statements:

1. To help you manage your credit card account and check details of purchases or cash drawings using the credit card, we will offer you a facility to receive credit card transaction details either via monthly mail or through the Internet. Credit card statement will be dispatched on a predetermined date of every month which will be notified to you.

2. In the event of non-receipt of this information, we expect you to get in touch with us so that we can arrange to resend the details to enable you to make the payment and highlight exception, if any in a timely manner.

3. We will let you know or notify changes in schedule of fees and charges and terms and conditions. Normally, changes (other than interest rates and those which are a result of regulatory requirements) will be made with prospective effect giving notice of at least one month.

* Protecting your account:

1. We will advise you what you can do to protect your credit card from misuse.

2. In the event your credit card has been lost or stolen, or that someone else knows your PIN or other security information, we will, on your notifying us, take immediate steps to try to prevent these from being misused, subject to operating regulations and law in force.

* Processing activities at our end

We may allow processing of credit cards related activities including operations and cross selling to third party agencies that we consider appropriate for these purposes.

Confidentiality of account details:

We will treat all your personal information as private and confidential (even when you are no longer a customer). We will not reveal transaction details of your accounts to a third party, including entities in our group, other than in the following four exceptional cases when we are allowed to do:-

* if we have to give the information by law
* if there is a duty towards the public to reveal the information
* if our interests require us to give the information (eg, to prevent fraud) but we will not use this as a reason for giving information about you or your accounts (including your name and address) to anyone else, including other companies in our group, for marketing purposes
* if you ask us to reveal the information, or if we have your permission to provide such information to our group or associate or entities or companies when we have tie-up arrangements for providing other financial service products.

Collection of dues:

Our bank's dues collection policy is built on courtesy, fair treatment and persuasion. We believe in fostering customer confidence and long-term relationship. Our staff or any person authorized to represent us in collection of dues or/and security repossession will identify himself or herself and interact with you in a civil manner. We will provide you with all the information regarding dues and will give sufficient notice for payment of dues. Our staff or agents are governed by Model Code for Collection of Dues and Repossession of Security issued by Indian Banks' Association.

Redressal of grievances:

1. Redressal of your complaints internally

* We have a Grievance Redressal Cell within the organization. If you want to make a complaint, we will tell you how to go about it and what to do if you are not happy about the outcome. Our staff will help you with any queries you have.

* Our complaint handling procedure is displayed on our website. The timeframe for responding to your complaints and escalation process etc., are also displayed on the website.

2. Banking Ombudsman Service and other avenues for redressal. Within 60 days of lodging a complaint with us, if you do not get a satisfactory response from us and you wish to pursue other avenues for redressal of grievances, you may approach Banking Ombudsman appointed by Reserve Bank of India under Banking Ombudsman Scheme 2002.

Termination of credit card:

* You may terminate your credit card by giving notice to us and by following the procedure laid down by us in our service guide or member booklet after clearing outstanding dues, if any.

* We may terminate your credit card, if in our opinion you are in breach of the cardholder agreement.

Feedback and suggestions:

Please provide feedback on our services. Your suggestions will help us to improve our services.

Axis Bank Platinum Credit Card terms and conditions

Most Important Terms and conditions :

Credit and cash withdrawal limits

a. The Bank will, at its sole discretion, determine your credit limit and cash withdrawal limit and notify you of the same from time to time. You may, however, request for a lower limit and also a specific credit limit for additional cardmember(s). The limits so fixed shall be credit limits for the card account and also for the additional cardmember(s). Credit limit and available credit limit will also be shown on the monthly statements. Bank may at its discretion and/or on your request, revise the credit limit from time to time.

b. The outstanding on the card account must not exceed the credit limit at any time, failing which you will be charged applicable fee irrespective of the amount exceeding the credit limit. Excess amount must be paid immediately.

c. Credit limit and card account will be terminated if your card is cancelled.

d. In the event you make payment over and above the amount due as per the monthly statement, you shall not be entitled to interest on the credit balance and the same shall be adjusted against the amount due in the subsequent monthly statements.

Default

In the event of default (if the minimum amount due is not paid by the due date or breach of any clause of the cardholder agreement), the cardholder will be sent reminders from time to time for payment of any outstanding on the credit card account, by post, fax, telephone, email, SMS messaging and/or through third parties appointed for collecting the dues. Any third party so appointed, shall adhere to the Indian Bank's Association (IBA) code of debt collection.

Recovery of dues in case of death of cardholder

The complete outstanding balance (including unbilled transactions) will become immediately due and payable to Axis Bank. Axis Bank will be entitled to recover the total outstanding from the estate of the cardholder.

Declaration

The cardholder further acknowledges that Axis Bank is authorised to share information relating to cardholder or add-on cardholder(s), including information relating to any default committed by the cardholder in discharge of his or her obligation, as Axis Bank may deem appropriate and necessary, with any existing or future credit bureaus or credit reference agencies or credit information companies as determined by the Bank from time to time. Accordingly, the cardholder gives consent and confirms having obtained consent from add on cardholder(s), to disclose information to such credit bureaus or credit reference agencies or credit information companies. Such entities may further make available processed information or data or products thereof to banks or financial institutions and other credit grantors.

Surrender of Card

You can surrender the card at any time by returning to us all credit cards, issued for use on the account, cut in four pieces through the magnetic stripe with a written request to terminate all facilities and benefits hereto associated with the card. However, termination will only be effective when we receive all credit cards including additional credit card and payment of all amounts outstanding in respect of the card account(s).

Loss/ Theft/ Misuse of Cards

You must notify the Bank immediately on phone, in the event the card is lost, stolen, or is being used without your permission. A police complaint or First Information Report (FIR) may be lodged immediately with the nearest police station and a copy of which must be submitted to the Bank. However, in case of misuse, Bank's liability will be limited to the Zero Lost Card Liability insurance amount mentioned in the insurance table below. The cardholder will be solely liable for any misuse of cards for ATM transactions.

Insurance Cover for Cardholders

The cardholder nominee shall not be entitled to be paid any amount under Personal Accident Insurance Policy and Air Accident Insurance Policy unless and until all the dues to Axis Bank are settled. Axis Bank shall have the first charge or lien on the insurance amount for adjusting the outstanding amount.

The table below enumerates the insurance benefits available to the cardholder.

Cover Type	Platinum Credit Card (in Rs)
Personal Accident Cover	Rs 5,00,000
Air Accident Cover	Rs 40,00,000
Credit Shield	Rs 1,00,000
Lost Card Liability	Rs 3,00,000
Purchase Protection	Rs 1,00,000
Travel Delayed Baggage	Rs 15,000
Travel-Lost Baggage	Rs 60,000
Travel-Loss of Passport	Rs 25,000

Conditions Apply Personal and Air Accident Covers Personal and Air Accident covers are valid only if the Axis Bank Credit Card has been used at a Merchant Establishment or at an ATM for Cash withdrawal at least once in the 90 days before the incident. Zero Lost Card Liability

Protection against fraudulent purchase transactions is available from the moment the loss of card is reported to Axis Bank. The loss of card should also be confirmed in writing to Axis Bank as soon as possible. The cover is valid only for fraudulent payment transactions. It is not valid for fraudulent ATM transactions.

Purchase Protection

All consumer durable goods purchased using the Axis Bank Credit Card are insured against fire, natural calamity, burglary and housebreaking up to 90 days from the date of purchase.

Credit Shield

Covers outstanding on the credit card account in an event of accidental death. Credit Shield is payable subject to settlement of personal accident claim.

Delay or Loss Of Checked Baggage

Applicable in case of baggage delays over 6 hours and only if the air ticket was booked through the Axis Bank Credit Card.

Loss of Passport

It covers expenses related to travel and accommodation incurred abroad for obtaining alternate travel documents in case of Loss of Passport. This cover is applicable only if the air ticket was booked through the Axis Bank Platinum Credit Card.

Billing and Statement

a) The Bank will send at your mailing address, a statement once a month for each billing period (herein after "statement") during which there is any transaction or outstanding of more than Rs 100 on the card account. Non-receipt of statement would not affect your obligations and liabilities under this agreement and you shall be liable to settle the outstanding balance on the card within 30 days of incurring the charges.

b) The Bank will debit the card account for all the debits received from the merchant establishments charges incurred and credit the card account for all payments made by the cardholder to the Bank and also for any payment in the favour of the cardholder.

c) All Bank credit card(s) may offer the cardmember(s) a revolving credit facility, wherein the cardmember(s) may choose to pay only the Minimum Amount Due (MAD) as indicated on the statement. The total payment due from the cardmember or the MAD should be sent by the cardmember on or before the payment due date, which is also indicated on the statement.

d) Non-payment of the Minimum Amount Due by the Payment Due Date shall render you liable to risk of withdrawal or suspension (whether temporarily or permanently) of the credit card. A fee may be levied for such non-payment as well. The Bank may at its sole discretion also instruct the merchant establishment not to honour the Credit Card and/or to take custody of the Card by hot-listing the card number in Card Association system.

e) You may pay more than the Minimum Amount Due, before the Payment Due Date, more than once during the billing period or pay the balance outstanding on the card account at any time.

f) In the event the cardmember deposits part of the total payment due from the cardmember or the MAD (not less than the MAD under any circumstances), the balance outstanding amount payable shall be carried forward to subsequent Statements. This amount will attract finance charges till the date of full and final payment.

g) Payments received from the cardmember(s) shall be adjusted towards all charges or fees in the order of first, all taxes, fees and other charges; second, interest charges, third, cash advances, EMI; fourth, purchases and finally, Balance Transfer.

h) The payment may be made by draft, cheque, cash and/or by standing instructions or auto debit instructions to the Bank for crediting the card account by debiting any other deposit account maintained with the Bank. You may also pay through Electronic Clearing Service (ECS) introduced by the Reserve Bank of India to directly debit your account maintained with the Bank or any other bank and credit your Card Account.
Outstation cheques or drafts ie, cheques or drafts payable at cities other than specific cities (list of such specific cities as are decided by the Bank from time to time are available on request) will attract processing fee. The fee in respect of processing outstation cheques is mentioned in the Tariff of charges. The list of such locations and the processing fee may be changed by Bank at its sole discretion without notice.

i) Should any payment instruction of yours be subsequently dishonored, the card privileges may be suspended or terminated and a fee, as mentioned in the Tariff of charges shall be levied to the card account, at the sole discretion of the Bank. Such fee amount is subject to change at the sole discretion of the Bank. The Bank also reserves the right to initiate any appropriate legal action.

j) Duplicate monthly statements of account will be provided by the Bank to you only up to a period of twelve months preceding your request subject to payment of service charge specified in the Tariff of charges and which can be changed at the discretion of the Bank.

k) In case of any change in your communication address, you are advised to contact the Bank immediately to ensure that you receive statements regularly and on time.

l) Payments towards the card account may be made in any of the following ways by mailing the cheque or draft to any of the mailing addresses provided on the reverse of the statement. The cheque or draft should be made payable to "Axis Bank Card Number XXXX XXXX XXXX XXXX". Incase you have an Axis Bank account, you may opt for a standing instruction facility, where the funds can be automatically transferred from your Bank account to your card account.

Billing Disputes

All contents of the statement(s) will be deemed to be correct and acceptable by the cardmember(s) unless within 30 days of the issue of statement, the cardmember(s) inform the Bank of any discrepancies. If the aforesaid discrepancies are found to be legitimate by the Bank, the Bank may reverse the charge on a temporary basis until the completion of subsequent investigations by the Bank to its full and final satisfaction. If the said investigations conducted by the Bank indicate that the liability of such (discrepancies) charges is accruing to the said cardmember(s), then the charge will be reinstated in the subsequent Statement and fees or charges shall be claimed by the bank in accordance to the charges indicated herein above.

Contact Particulars

The Cardmember can contact the Bank through any of the following modes for making any enquiries and/or redressal/concerns /discrepancies:

24-Hour Platinum Helpline 1860-425-9000, (+91) 22 2526 3900 Or Through email, at platinum.service@axisbank.com

Grievance Redressal

In case the cardmember has any grievance or is not satisfied with the response received on their enquiries, the cardmember can address the grievance to

Head - Customer Services, Credit Cards Division, Axis Bank Ltd. 6th Floor, C Wing, Solaris Premises, Saki Vihar Road, Opp. L&T Gate No. 6, Powai, Andheri (East) Mumbai - 400 072 For Escalations, please contact

Head - Operations, Credit Cards Division, Axis Bank Ltd. 5th Floor, C Wing, Solaris Premises, Saki Vihar Road, Opp. L&T Gate No. 6, Powai, Andheri (East) Mumbai - 400 072

In case of any grievance you could also call up our Toll Free Number at 1860-425-9000

Axis Bank Platinum Credit card Documentation and Fees Details

Platinum Credit Card : Documentation

* PAN card photocopy or Form 60
* Income proof: Latest payslip or Form 16 or IT Return copy
* Residence proof: Passport or driving licence or ration card or electricity bill or land line telephone bill.

In case, you have an existing credit card of another bank, you may attach a copy of your last credit card bill along with a copy of the front of the card.

Platinum Credit Card Fees and charges :

Joining fees and Annual fees

There are joining fees, annual fees and renewal fees applicable on the credit card(s) issued by the Bank. Such fees vary from cardmember to cardmember, and from particular description of credit card to credit card. The applicable fees shall be as communicated to the cardmember at the time of applying for the credit card and/or at the time of issuance of the said credit card. Further, such fees, as applicable, are directly charged to the cardmember's account and are indicated on the card statement accordingly.

Cash withdrawal or advance fees

The cardmember can use the credit card to withdraw cash from ATMs (Automated Teller Machines) in India or overseas in accordance with the compatibility of the Credit Card at the said ATM(s). A transaction fee shall be levied on all such withdrawals and would be billed to the cardmember in the next statement. The cash withdrawal transaction attracts a fee of 2.5% (subject to a minimum of Rs. 150 for domestic ATM withdrawal and Rs 250 for International ATM withdrawal). The transaction fee is subject to change at the sole discretion of the Bank. Further all cash withdrawal transactions shall also carry a finance charge from the date of withdrawal until the date of full and final payment.

Schedule of charges and interest rates

i) All charges and fees, as applicable from time to time, are payable by cardmember(s) towards the services provided by the Bank to the cardmember(s) and/or for defaults or delays committed by the cardmember towards payments or otherwise of their respective credit card account(s).

ii) The Bank exclusively retains the right to alter any or all charges or fees from time to time or to introduce any new charges or fees, as it may deem appropriate, upon issuing at least a 30 day prior notice to the cardmember of such change or alteration in the charges or fees. It is clarified that the said change may be indicated or communicated to the cardmember through any media chosen exclusively by the Bank in its sole discretion.

Particulars	Platinum Credit Card
Standard Joining Fee	Rs. 5000
Standard Annual Fee	Rs. 1000 per annum
Standard Add-on Card Joining Fee	Rs. 1000
Standard Add-on Card Annual Fee	Rs. 500 per annum
Finance Charges (Retail Purchases and Cash)	2.95% per month (41.75% per annum)
Balance Transfer Finance Charges	0% for first three months and 2.95% per month thereafter, Processing Fee of 2% or Rs. 199/- whichever is higher
Cash Advance Transaction Fee	2.5% (Min. Rs 150 for domestic and 250 for international ATM withdrawal
Card Replacement (lost or stolen or re-issue)	Waived
Emergency Card Replacement Fee when overseas (through VISA)	Waived
Duplicate Statement Fee	Waived
Overdue Penalty or Late Payment Fee	30% of minimum amount due (Min. Rs. 250, Max. Rs. 500)
Over Limit Penalty	3% of the overlimit amount (Min. Rs. 300)
Chargeslip Retrieval Fee or Copy Request Fee	Rs. 200
Outstation Cheque Fee	Rs. 100
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds	Rs. 300
Surcharge on purchase / cancellation of Railway Tickets	Rs. 30 plus 2.5% of transaction amount
Petrol Transaction Charge	Waived
Foreign Currency Transaction Fee	3.50% of the transaction value
Mobile Alerts for Transactions	Waived

These charges and conditions are subject to change without prior notice and also under various marketing programs. Service Tax of 12.36% is applicable on all fees, interests and other charges.

Finance Charges

* Finance charges are payable at the monthly percentage rate on all charges including cash advances.
* Financial charges also accrue on
a) Cash withdrawal from ATMs and ordering demand drafts.
b) For purchases, the finance charges accrue only if the total outstanding is not paid in total by the payment due date.
c) Late payment charges will be applicable, if minimum amount due is unpaid after payment due date.
d) Overlimit charges are payable on total outstanding exceeding the credit limit subject to a minimum of Rs 300.
e) Incase of balance transfer from other credit card accounts finance charges accrue immediately from the date of issue of banker's cheque on the transferred amount and on any purchase amount outstanding on your card account.
f) Finance charges payable are debited to your card account on the last date of each statement period and are shown on your statement.
g) The finance charges as above will continue to be payable even after the closure of the card account till the outstanding on the card is cleared fully.
h) For the finance charges applicable to your card account please refer to the schedule of charges. These charges can be reduced under different marketing programs or promotions. The marketing promotions vary from time to time and any changes will be communicated by the Bank to you.
i) The Bank may vary the charges, finance charges, fees and or cash advance fee for all or some of its facilities.


Interest Free Grace Period

The interest free grace period could range from 20 to 50 days. However this is not applicable if the previous month's balance has not been cleared in full or if you have availed of cash from an ATM, or you have any outstanding towards Balance transfer.

* When does the customer pay interest?
The customer pays interest when he does not pay off his full beginning balance by the payment due date.
* How is Interest Calculation done for Retail Purchases?
On the statement date, accrued interest will be posted on the account if the card account is a revolving card account.
* What is a Revolving Account?
A revolving account is the one in which the customer does not pay off the entire balance outstanding (i.e. 100%), as of last statement by his payment due date.
* How is interest calculation done for Cash withdrawals?
Interest is accrued from the transaction date.
* How is cash advance different from a retail purchase?
Cash transactions always accrues interest versus retail purchases where interest accrual depends on the payment of 100% balance payment in full by payment due date.

Currently interest is also charged on all fees and interest levied by the Bank. Example for Interest Computation

Assume that you have paid all previous dues in full and do not have any amount outstanding in your credit card account. You have purchased household goods for Rs 25,000 on 12th June and withdrawn cash from ATM for Rs 5,000 on 15th June. Your monthly statement is on 20th of every month. On 20th June, you would be levied interest on Rs 5,000 cash withdrawal for 6 days @ 2.95% per month i.e., 5000* 6 days* 2.95%*12 months/360 days = Rs 29.50. Your due date for 20th June statement is 10th July and you pay Rs 5,000 on 10th July and you also make a fresh purchase of Rs 10,000 on 11th July, interest to be levied on 20th July would be as under:

Interest on Rs 25,000 @ 2.95% per month for 12th June to 20th July (39 days)	Rs. 958.75
Interest on Rs 5,000 @ 2.95% per month for 21st June to 10th July (20 days)	Rs. 98.33
Interest on Rs 10,000 @ 2.95% per month for 11th July to 20th July (10 days)	Rs. 98.33
Interest on Rs. 33.15 (Interest + Service Tax levied in last statement) @ 2.95% p.m. from 20th June to 20th July (31 Days)	Rs. 1.01
Total interest charged on 20th July	Rs. 1156.42

Actual interest calculation would vary based on the individual purchase and revolve behaviour. Late Payment Fee Calculation

Late Payment Fee is charged to the cardmember if there has been no payment or a payment less than the Minimum Amount Due is received by the payment due date. Late Payment Fee is charged at the rate of 30% of Minimum Amount Due, subject to a minimum of Rs 250.00 and a maximum of Rs 500.00.
Example: The minimum payment due (MAD) is Rs 3,400.00 Statement date is 15/11/2006 Payment due date is 04/12/2006 In the above case if the customer does not make a minimum payment of Rs 3,400.00 by the payment due date ie, 04/12/2006, a Late Payment Fee of Rs 500 will be levied on 09/12/2006. This is worked out as per the following logic: 30% of current due is Rs 1,020.00 Minimum Late Fee charge is Rs 250.00 Maximum Late Fee charge is Rs 500.00.

Axis Bank Platinum Credit Card Benefits

Information About Axis Bank Platinum Card :

The history of Platinum is indeed very interesting. Meteorites are supposedly rich sources of Platinum. The last meteorite crash took place somewhere in North America as far back as two billion years. Ever since, Platinum has mysteriously appeared and disappeared from history. Today, Platinum's truly eternal qualities make it the ideal choice for jewellery, keepsakes, and yes, even pacemakers! You're about to discover some of the most treasured Platinum privileges that empower distinctive entities like you.

Apply Axis Bank Platinum Credit Card Online

Axis Bank Platinum Card Benefits :

Highest Level of Security

While the rest of the world is still catching up with this increased level of security, Axis Bank Platinum Credit Card membership presents you with the first ever Platinum Chip card in India. The Platinum Chip offers clear authentication of debit and credit payments combined with easy fraud detection. The chip can not be duplicated, ruling out counterfeiting and skimming. This makes your card safer and secure than any other card in India.

Premium Wrist Watch:

The Axis Bank Platinum Credit Card membership welcomes you with a gift that has always been associated with innovation and contemporary style - an Esprit wristwatch*! It's a symbol of precision and finesse that honours your success.

The watch is available in both male & female versions
*Watch preference to be taken after payment of Joining and Annual Fees. Not available on Add-on Card.

Complimentary International Return Flight Voucher

Fly to Singapore, Bangkok, Kuala Lumpur or Dubai and back absolutely free. Your Axis Bank Platinum Credit Card membership entitles you to a complimentary international return flight voucher (to and fro journey), where you can choose one destination from the enticing array.

The offer is valid for all customers who have paid their joining and annual fees in full and have activated their credit card through a purchase or a cash withdrawal. Please note that only Basic Fare of the ticket would be borne by the Bank rest all charges/taxes need to be borne by the cardholder.

5% Savings on Fuel Spends

With an Axis Bank Platinum Credit Card you can make 5% savings on your fuel expenses. Now get a 2.5% Cash back along with a 2.5% Fuel Surcharge Waiver.

The offer is valid across all petrol stations in India for a minimum transaction amount of Rs. 400 and a maximum of Rs. 4000*.
*No reward points are earned on fuel transactions. The amount of cashback in a calendar year is limited to Rs. 1500.

Accelerated Rewards Program

Enjoy an accelerated rewards program specially designed to reward your big spends and international transactions.

* Earn 1 Reward Point for every Rs.100 spent on your card;
* Earn 2 Reward Points for every Rs. 100 spent above Rs. 1,00,000 in a calendar year;
* Earn 2 Reward Points for every Rs. 100 spent on International Spends.

What's more, each reward point is worth Re. 1.

Reward points can be redeemed against exciting Gifts, Merchandise, Gift Vouchers, or set off against Annual Fees on your credit card. You need to accumulate 250 reward points in order to start redeeming.

Platinum Value Chart

Benefits	Savings* in 1st Year
Welcome Gift	Rs. 6,000
Complimentary International Return Flight Voucher	Rs. 10,000
Rewards (On a yearly spend of Rs. 3 lakhs; with 1 Reward Point per Rs. 100, 2 Reward Points per Rs. 100/- for spends above 1 lakh in a calendar year and 2 Reward Points on Foreign Currency Spends)	Rs. 3,800
Insurance (Premium price of applicable cover)	Rs. 3,000
Petrol Surcharge Waiver (Fuel spends 10% of Total Retail Spending)	Rs. 1,200
Complimentary Lounge Pass (Complimentary Priority Pass membership @ US$ 99/- per year)	Rs. 3,960
Complimentary Offers (Kaya Skin Clinic, VLCC etc.)	Rs. 6,500
Total	Rs. 34,460

*These figures are indicative in nature & may vary from Cardholder to Cardholder depending upon feature usage & spends. The same cannot be encashed or refunded.
Additional Platinum Benefits

Concierge Service

Wherever in the world you may be, all of your needs shall be taken care of. The Axis Bank Platinum Credit Card offers you the ultimate in personalized Concierge Service, which will be available to you 24 hours a day, 7 days a week.

So whether it is flower or gift deliveries, arranging for tickets for movies and plays to emergency medical assistance, be rest assured somebody would always be there to get your things done on priority.
With this in mind we have associated with the world's leading assistance company International SOS, to offer you a wide range of special assistance services:

* Concierge Assist
* Travel Assist
* Personal Assist
* Home Assist
* Medical Assist

Contact Information of International SOS Toll Free - 1800-11-4343 Landline - 011-41898874 Fax - +91-11-41898801 Terms & Conditions

* Axis Bank Ltd. is not liable for any non-delivery/deficiency in services/product provided by participating third parties.
* Axis Bank Ltd. does not accept responsibility for non-payment by concerned parties
* Axis Bank Ltd. reserves the right to change/modify/terminate the offer any times at its own discretion without assigning any reason and without prior notice. The customer would be solely responsible for any payment to third parties. By availing any/all offers, the client agrees to remain bound by the above terms and conditions.
* Services are available on best efforts basis, subject to availability. Please check with your mobile service provider for availability of toll free facility.
* The customer is solely responsible for the final selection of the service/product and the service providers referred.
* Any engagement, payment and use of such services provider shall strictly be between the customer and such service provider. Axis Bank Ltd. would not be liable for any loss/damages/injury caused due to use of such service/product.

Access to VIP Airport Lounges

As an Axis Bank Platinum Credit Card member, you can enjoy lounge access with the Priority Pass. Relax and unwind away from the hustle-bustle at over 500 VIP airport lounges in more than 90 countries and 275 cities worldwide.

So treat yourself like a VIP no matter where you travel, or which airline or class you fly.

To get your complimentary Priority Pass Membership Card, please fill the Priority Pass Form in the Service Request Forms and mail back to us.
For more information visit www.prioritypass.com Terms & Conditions

* The offer provides cardholder complimentary membership to the Priority Pass Program. The cardholder would be charged for the visits to the lounges as per rates notified by Priority Pass and the cardholder has to bear all costs towards the same.
* Axis Bank holds no warranty & is not representative of the delivery, service, suitability, merchantability or quality of the products/services/gifts under the offer. Axis Bank would not be liable in any manner whatsoever or howsoever for any loss or damage or claims that may arise from the quality of service/products provided by Priority Pass.
* Axis Bank shall not be liable in any manner whatsoever or howsoever for any loss or damage or claims that may arise out of or otherwise howsoever from any refusal to honour the offer made by Priority Pass for any reason whatsoever.
* Axis Bank & Priority Pass reserve the absolute right to withdraw and / or alter any of the terms and conditions of this Offer at any time without giving any notice or reasons whatsoever.
* Any dispute relating to the offer or the terms and conditions shall be subject to the jurisdiction of the Courts in Mumbai only.
* The offer is not transferable, non-negotiable & cannot be encashed.
* Priority Pass shall be responsible to honour the offer and assure smooth execution of the same.
* Axis Bank Platinum Credit Cardholders are not bound in any manner to avail the special offer. Any participation by the Cardholder shall be voluntary and the terms and conditions of the Offer shall be binding on the Cardholders.
* All queries or complaints regarding the offer will be redressed by Priority Pass and Axis Bank would not be liable for the same.
* For additional Terms and Conditions and Lounge Access Rates log on to www.prioritypass.com

Comprehensive Insurance Cover

Axis Bank Platinum Credit Card provides you with a comprehensive Insurance Cover of Rs. 51,00,000. This includes Personal Accident Cover, Air Accident Cover, Travel Insurance Benefits, Purchase Protection and Lost Card Liability.
Cover and Claim Procedure