Axis Bank Burgundy Private credit card
Axis BankVisaSuper-premium

Burgundy Private credit card

Wealth-client metal card: 15 ERP per ₹200, unlimited lounges, Taj, ITC and Oberoi privileges.

40
Personal score40/100● Weak fit
Recurring net savings₹4,000/yrafter fee, GST and caps · bills paid in full
First-year value−₹55,000no welcome offer, ₹59,000 joining fee
Effective savings rate1.2%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Free for lifeno fee, ever
Lounge access✈∞ dom🌏∞ intlyou can use 2 of your visits
PersonaliseOfficial page ↗

Source: Axis Bank – Burgundy Private product page · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Why it fits – and what to watch

hover any tile for the detail
₹3,640/yrBase rate 1.5% on other spends
₹0Lifetime free
2/2lounge visits covered
₹36,000earns nothing (fuel)

! Points are worth only ₹0.2 each – 1 ERP = ₹0.20 on EDGE Rewards; partner transfers at 5:2 / 5:4.

Where the money comes from

₹4,000/yr · 1.2%
Base rate 1.5% on other spendson ₹2,42,640₹3,640
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How the score of 40 is built

weights total 100% · methodology
Net savings rate20/100 × 55%11.2
Usable lounge access100/100 × 15%15.0
Redemption flexibility60/100 × 10%6.0
Lifestyle fit0/100 × 10%0.0
Simplicity60/100 × 5%3.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

Open Lounge Finder →
42airports in India
64lounges you can enter
Unlimiteddomestic
Unlimitedinternational

How you get in: issuer programme (bank / operator app) · Priority Pass. Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 6 lounges
  • ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
  • 🌏T3 Encalm Privé (T3 International) Encalm · via Priority Pass verified
  • 🌏T3 Plaza Premium Lounge (T3 International) Plaza Premium · via Priority Pass verified
  • ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
  • ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
HYD Hyderabad 4 lounges
  • ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
  • 🌏Main Plaza Premium Lounge (International) Plaza Premium · via Priority Pass verified
  • 🌏Main Encalm Privé (International) Encalm · via Priority Pass check at desk
BOM Mumbai 4 lounges
  • ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
  • ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
  • 🌏T2 Adani Lounge (T2 International) Adani Airports · via Priority Pass verified
  • ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 3 lounges
  • ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
  • 🌏T2 080 International Lounge BIAL · via Priority Pass verified
  • ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 3 lounges
  • ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
  • ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
  • 🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified
AMD Ahmedabad 2 lounges
  • ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
  • 🌏T2 Adani Lounge (International) Adani Airports · via Priority Pass verified
ATQ Amritsar 2 lounges
  • ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
  • 🌏Main Bird Lounge (International) Bird Group · via Priority Pass check at desk
GOX Goa (Mopa) 2 lounges
  • ✈Main Mopa Airport Lounge (Domestic) GMR · via issuer programme (bank / operator app) check at desk
  • 🌏Main Mopa Airport Lounge (International) GMR · via Priority Pass check at desk
COK Kochi 2 lounges
  • ✈T1 Earth Lounge (Domestic) CIAL · via issuer programme (bank / operator app) verified
  • 🌏T3 Earth Lounge (International) CIAL · via Priority Pass verified
CCU Kolkata 2 lounges
  • ✈T2 Travel Club Lounge (Domestic) Travel Food Services · via issuer programme (bank / operator app) verified
  • 🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified
LKO Lucknow 2 lounges
  • ✈T3 Adani Lounge (Lucknow) Adani Airports · via issuer programme (bank / operator app) verified
  • 🌏T3 Adani Lounge (Lucknow International) Adani Airports · via Priority Pass check at desk
TRV Thiruvananthapuram 2 lounges
  • ✈T2 Adani Lounge (Thiruvananthapuram Domestic) Adani Airports · via issuer programme (bank / operator app) verified
  • 🌏T2 Adani Lounge (Thiruvananthapuram International) Adani Airports · via Priority Pass check at desk

+ 30 more airports in the Lounge Finder.

Card facts

💳 Base earn1.5%value on eligible spend
⚡ Accelerated3.5% 35 ERP/₹200 above ₹1.5L…
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ FeesLifetime free
🎁 Welcome (year 1)none
🏁 Milestonesnone
✈️ Lounge✈∞ dom🌏∞ intlUnlimited with guests
🌏 Forex markup2%+ GST on the markup
🔁 Redemption₹0.2/EDGE Reward Points ★★★☆☆1 ERP = ₹0.20 on EDGE Rewards; partner transfers at 5:2 / 5:4.
🧩 Simplicity★★★☆☆a few caps to track
🎯 Lifestylegolfconciergehotel statusdining programinsurance coverTaj Epicure, ITC, Oberoi, Accor Plus & golf
🪪 EligibilityBurgundy Private relationship (₹5Cr+)

At a glance

  • Free for Burgundy Private clients
  • Top-end hotel privileges
  • Needs a ₹5Cr relationship
  • ₹0.20 points

Community Q&A on the Burgundy Private

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the Axis Bank Burgundy Private?

It is lifetime free – no joining or renewal fee.

Does the Burgundy Private give airport lounge access?

unlimited domestic + unlimited international/yr. Unlimited with guests.

How much can I save with the Burgundy Private?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹4,000 a year, an effective savings rate of 1.2% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Burgundy Private's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. No monthly caps on the main earn rates.

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.