Axis Bank Olympus Credit Card
Olympus is the card Axis created to receive India's former Citi Prestige cardholders, and it kept most of what made that card worth having. The headline earn rate looks unimpressive on paper — 1 EDGE Mile per ₹100 spent domestically, 2 per ₹100 abroad — but the real payoff shows up when you transfer: those miles convert to most airline and hotel partner programmes (Air India, KrisFlyer, Aeroplan, Flying Blue, IHG among them) at a strong 1:4 ratio, capped at 7.5 lakh miles a year, while British Airways Avios, Finnair, IndiGo BluChip, Vietnam Airlines and Qatar Airways Privilege Club only get 1:2. Accor and Marriott dropped out as partners in April 2026; Qatar disappeared in that same purge but came back by August 2026, albeit at the weaker 1:2 rate rather than what it used to offer — so with this card, the value shows up when you redeem, not on the statement. The perks worth caring about are the ones inherited straight from Prestige: a ₹10,000 Taj or ITC hotel voucher every year, given both as a welcome gift and a renewal benefit; a free third night on any Hotels.com stay of three nights or more, usable twice annually; lounge access without limit, domestically and abroad, for both the primary card and any add-ons, plus 10 guest passes a year each on the domestic programme and on Priority Pass; a forex markup held to just 1.80%; round-the-clock concierge; 8 free golf rounds a year with an extra round for every ₹50,000 spent; and dining privileges at Taj properties and through EazyDiner. Rewards don't apply to a long list of categories — rent, fuel, utilities, insurance, education, government payments, wallet loads, transport — so only spend that's genuinely lifestyle or travel-related actually earns.
✦ How to get this card →
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹12,500 in vouchers, points or cashback on card activation
️ 8% on International
2 EDGE Miles per ₹100 on international spends — double the domestic rate, with a low 1.80% forex markup
️ 4% on Other
1 EDGE Mile per ₹100 on domestic spends — ~1% base, up to ~2-4% via 1:4 transfer to most airline/hotel partners (BA Avios, Finnair, Vietnam at 1:2)
️ Airport Lounge Access
Unlimited domestic and international airport lounge access for primary and add-on cardholders via Priority Pass (1,500+ lounges), with 10 Priority Pass guest visits per anniversary year and a separate 10 domestic guest visits per calendar year.
Golf Privileges
8 complimentary golf rounds or lessons a year (one guest included), plus one additional round for every ₹50,000 spent on the card.
24x7 Concierge
24x7 lifestyle concierge, 8 complimentary airport concierge services and 2 airport pick-ups or drops a year, plus a complimentary Taj Epicure membership, Taj Dining privileges and up to 30% off dining via Axis Dining Delights / EazyDiner.
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹400/month
Hotel Membership
Third-night-free on Hotels.com — book at least three nights (one room, primary cardholder), twice a calendar year. Visa Infinite gets an instant coupon on the third night base fare excluding taxes; Mastercard World Elite gets a statement-credit rebate within 2 billing cycles.
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| International | airline miles | 8% | — |
| Other | airline miles | 4% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹23,600 |
| Joining fee (incl. 18% GST) | ₹23,600 |
| Finance charge (APR) | 3% p.m. |
| Forex markup | 1.8% |
| Fuel surcharge waiver | 1%, cap ₹400 |
Perks & benefits
Value delivered outside the reward programme, adding up to roughly ₹85,000 a year.
️ lounge access ~ ₹40,000 /yr
Unlimited domestic and international airport lounge access for primary and add-on cardholders via Priority Pass (1,500+ lounges), with 10 Priority Pass guest visits per anniversary year and a separate 10 domestic guest visits per calendar year.
hotel membership ~ ₹15,000 /yr
Third-night-free on Hotels.com — book at least three nights (one room, primary cardholder), twice a calendar year. Visa Infinite gets an instant coupon on the third night base fare excluding taxes; Mastercard World Elite gets a statement-credit rebate within 2 billing cycles.
milestone bonus ~ ₹10,000 /yr
Annual ₹10,000 Taj or ITC hotel gift voucher on each renewal, plus 2,500 EDGE Miles (the matching welcome voucher and miles are a one-off joining bonus, counted separately).
golf ~ ₹20,000 /yr
8 complimentary golf rounds or lessons a year (one guest included), plus one additional round for every ₹50,000 spent on the card.
concierge
24x7 lifestyle concierge, 8 complimentary airport concierge services and 2 airport pick-ups or drops a year, plus a complimentary Taj Epicure membership, Taj Dining privileges and up to 30% off dining via Axis Dining Delights / EazyDiner.
Should you get it?
Best for: Migrated Citi Prestige cardholder, Axis Burgundy / HNI customer, Frequent international traveller who values low forex and lounges, Taj and ITC hotel loyalist
Squarely a Super Premium option, aimed at high spenders after top-tier perks.
You'll see the strongest returns spending on International , where it pays back 8% .
Frequent flyers get extra mileage out of the bundled airport lounge access.
✓ Pros
- An annual ₹10,000 Taj/ITC hotel voucher given both as a welcome and renewal benefit — effectively recovering half the fee
- EDGE Miles transfer at 1:4 to most partners, and at the stronger 1:2 to BA Avios, Finnair, IndiGo BluChip, Vietnam Airlines and Qatar Privilege Club (Accor and Marriott were dropped in April 2026)
- A third-night-free hotel benefit on Hotels.com, usable twice a year — a perk carried over from Citi Prestige
- Unlimited domestic and international lounge access for both primary and add-on cardholders, plus 10 guest visits
- A low 1.80% forex markup, with 2 EDGE Miles per ₹100 on international spends
✕ Cons
- The domestic earn rate is modest at 1 EDGE Mile per ₹100 — real value only shows up once you transfer at the 1:4 partner rate
- A long list of exclusions — rent, fuel, utilities, insurance, education, government, wallet loads and transport all earn nothing
- The ₹20,000 fee has no spend-based waiver, so it applies every single year
- EDGE Miles are best redeemed through partner transfer; the base statement-credit value is only around ₹1 per mile
Eligibility
AXIS publishes no eligibility criteria for this card — no minimum income, no age band, no credit-score floor, and no document checklist. That's not something we've overlooked: the card is invitation-only, there's no public application form, so there's genuinely nothing published to qualify against. Any income figure you might come across elsewhere for this card is a third-party estimate, not something the bank has stated.
The relationship you hold with the bank is what actually drives an invitation — balances on deposit, spend on an existing card, and which banking segment you fall into. We lay out those signals in the how-to-get-an-invitation section above, clearly flagged as observed patterns rather than official criteria.
How to redeem rewards
The ways to turn earned miles into real value.
🎁 Partner transfer: convert EDGE Miles 1:4 to most airline/hotel partners (BA Avios, Finnair, IndiGo BluChip, Vietnam and Qatar Privilege Club at 1:2; Accor and Marriott removed Apr 2026), up to 7.5 lakh EDGE Miles a year — the highest-value route.
🎁 EDGE Rewards catalogue: redeem for flights, hotels, products and gift vouchers via the Axis EDGE portal.
🎁 Instant in-store redemption at select partner outlets (minimum 500 EDGE Miles).
What your Axis EDGE Miles are worth
The value per point swings a lot depending on how you redeem — this is where most cardholders leave money on the table.
Travel EDGE portal ≈₹1/mile, fixed, against any flight on the Axis Travel EDGE portal — no blackout
Statement credit Floor — use only if miles are near expiry
Airline transfer (1:2) BEST Atlas: 1 EDGE Mile → 2 partner miles across 23 partners (Air India, KrisFlyer, Flying Blue, Etihad, United, Turkish and more) — but only 2:1 to British Airways, Finnair, IndiGo BluChip & Lotusmiles. Olympus doubles that again at 1:4; Horizon 1:1; IOCL Premium 2:1. Group A cap ~30k/yr within a 1.5L ceiling (Atlas). Accor, Marriott & Qatar removed Apr 2026.
✈ Transfer partners ✈ airasia rewards ( 1:4 ) ✈ Air Canada Aeroplan ( 1:4 ) ✈ Air France-KLM Flying Blue ( 1:4 ) ✈ Air India Maharaja Club ( 1:4 ) ✈ British Airways Executive Club (Avios) ( 1:2 ) ✈ Ethiopian Airlines ShebaMiles ( 1:4 ) ✈ Etihad Guest ( 1:4 ) ✈ Finnair Plus (Avios) ( 1:2 ) 🏨 IHG One Rewards ( 1:4 ) ✈ IndiGo BluChip ( 1:2 ) 🏨 Club ITC ( 1:4 ) ✈ Japan Airlines JAL Mileage Bank ( 1:4 ) 🏨 Orchid Rewards (Petals) ( 1:4 ) 🏨 The Postcard Sunshine Club ( 1:4 ) ✈ Qantas Frequent Flyer ( 1:4 ) ✈ Qatar Airways Privilege Club (Avios) ( 1:2 ) 🏨 Radisson Rewards ( 1:4 ) ✈ Singapore Airlines KrisFlyer ( 1:4 ) ✈ SpiceJet SpiceClub ( 1:4 ) ✈ Thai Airways Royal Orchid Plus ( 1:4 ) ✈ Turkish Airlines Miles&Smiles ( 1:4 ) ✈ United MileagePlus ( 1:4 ) ✈ Vietnam Airlines Lotusmiles ( 1:2 ) 🏨 Wyndham Rewards ( 1:4 ) Value your balance: Axis EDGE Miles ✈ Air Canada Aeroplan ( 1:4 ) ₹ 40,000 ✈ Air France-KLM Flying Blue ( 1:4 ) ₹ 40,000 ✈ Air India Maharaja Club ( 1:4 ) ₹ 40,000 ✈ Ethiopian Airlines ShebaMiles ( 1:4 ) ₹ 40,000 ✈ Etihad Guest ( 1:4 ) ₹ 40,000 🏨 Club ITC ( 1:4 ) ₹ 40,000 ✈ Japan Airlines JAL Mileage Bank ( 1:4 ) ₹ 40,000 🏨 Orchid Rewards (Petals) ( 1:4 ) ₹ 40,000 vs. typical redemption ₹ 10,000 Direct transfers from this card only, ranked by what a point is worth in the destination programme — plus 16 more partners . Full calculator, every currency → The concern The headline earn rate is unremarkable (1 EDGE Mile per ₹100 domestic), and the exclusion list is long — rent, fuel, utilities, insurance, education, government, wallet and transport all earn nothing — so unless you're actively using the hotel voucher, the third-night-free perk and the lounge access, recovering ₹20,000 a year through rewards alone is a stretch. There's also no spend-based fee waiver.
The bottom line
Think of Olympus first as a lifestyle-and-hotel card and only second as a rewards engine. The 1 EDGE Mile per ₹100 base rate reads as unimpressive until you factor in the 1:4 transfer to most partners and the ₹10,000 annual hotel voucher, which alone claws back half the fee. It's genuinely worthwhile for a Taj or ITC loyalist who travels internationally, but a points-maximiser looking purely at statement value won't find much here — the modest base rate and the long exclusion list keep everyday earning low. Judge this card on its perks, not its multiplier.
Sources & verification
Fees, reward rates, and benefits for the Axis Bank Olympus Credit Card are taken from Axis Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 14 Aug 2026 . Reviewed by SarvCred Editorial Team . Always confirm current details on the issuer's site before applying. How we research →
Independence. SarvCred is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Axis Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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