Axis Bank Trust Chemists
KeepThe medicine-bill card is not a 2023 invention — Axis shipped one in 2010.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Axis Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · why it ranks #934
Why #934 India's first pharmacy co-brand, issued free for life against a 36-store chain in Bangalore, and a reminder that the medicine-bill card is not a 2023 invention. Carried, not priced: Axis published a flat discount at the chain and never an accrual rate, so there is no point to value.
The take
Every Indian issuer now has a health-and-pharmacy card, and the pitch is always that medical bills are unpredictable and a card should soften them. Axis made that argument fifteen years earlier and in the narrowest possible way: a co-brand with Trust Chemists & Druggists Ltd, "the largest organized retail Pharmacy chain of Karnataka, with 36 air-conditioned outlets in Bangalore", and — Axis's claim — "the first ever co-branded card in the pharmacy category in India". Thirty-six shops, one city, one card. The benefit was blunt and generous: four per cent off the entire bill at Trust, not a points accrual with a redemption ladder attached, just money off at the till. Around it sat priority billing so you skipped the queue at the counter, free twenty-four-hour home delivery, and Trust keeping your purchase history so you could look up what you had been prescribed last time — the sort of benefit a national card cannot offer and a thirty-six-store chain can. The welcome gift was a first-aid kit worth ₹175 for the first two thousand customers, and spending ₹1,500 inside forty-five days got the same two thousand a health package worth ₹900. It cost nothing, ever — free for life on both Axis's marketing page and its fee schedule, with free add-on cards too. Insurance ran to ₹40,000 of lost-card liability and ₹25,000 of credit shield, though Axis withdrew the credit shield across its whole card book from 1 March 2011. What it never published was a points rate: the fee schedule charges ₹30 to redeem a PlusPoint, so the card was on the PlusPoints rail, but no accrual was ever printed for it. Axis has since stated plainly that "Fresh issuance of Axis Bank Trust Chemist Credit Card has been discontinued."
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Axis Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton issuer-wide
- 28 Aug 2026 Axis more than doubles its DCC markup — 3.5% generic, but Olympus and Magnus get their own rates issuer-wide
- 28 Aug 2026 Priority Pass stops opening Indian domestic lounges on every Axis card issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 4% discount on the entire bill at Trust Chemists' 36 Bangalore outlets
- Free for life — no joining fee, no annual fee, and free add-on cards
- Priority billing at Trust counters, and free 24-hour home delivery
- Trust kept your purchase records so past prescriptions could be looked up
- A first-aid kit worth ₹175 as a welcome gift, for the first 2,000 customers
- ₹1,500 of spend in 45 days earned a health package worth ₹900, for the first 2,000 customers
- ₹40,000 of lost-card liability cover
Watch out
- Withdrawn — Axis states "Fresh issuance of Axis Bank Trust Chemist Credit Card has been discontinued"
- The 4% only ever worked at Trust Chemists, a 36-store chain in one city — this was a Bangalore card
- No points accrual was ever published for it: Axis charged ₹30 to redeem a PlusPoint and never printed a rate to earn one
- The ₹25,000 credit shield was withdrawn across Axis's whole card book from 1 March 2011
- Axis advertised "Zero Surcharge" and its own fee schedule still charges 2.5% or ₹10 on petrol — read the second document
- 3.5% forex markup, and cash withdrawals at 2.5% with a ₹250 minimum
What these points actually fly
Axis Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. Axis's own page carries the notice: "Fresh issuance of Axis Bank Trust Chemist Credit Card has been discontinued. Contents on this site are applicable only to existing Axis Bank Trust Chemist Credit Cardholders." The card left with Axis's pre-eDGE shelf and no Axis fee schedule published since names it.
Axis Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Nov 2026The Reserve's memberships stop renewing unless you say yesClub ITC Culinaire, Accorplus, handcrafted Club Marriott Asia Pacific, EazyDiner Prime and Priority Pass renewed automatically each year for as long as the card was open → From 15 Nov 2026 complimentary memberships linked to the card renew only with the cardholder's explicit consent — Axis says renewal and consent details will be shared closer to each renewal date. The same notice flips Priority Pass off at Indian domestic lounges from 28 Aug 2026 (present the Reserve card itself) and adds a ₹1,300 late-payment slab above ₹50,000 outstanding
The Reserve's whole defence of a ₹50,000 fee is the membership stack — Club ITC Culinaire with its free third night, Accorplus, handcrafted Club Marriott Asia Pacific, EazyDiner Prime, and the unlimited Priority Pass. Axis's own Reserve revision notice says that from 15 November none of them renew unless you actively consent. Framed as a choice, it works as breakage: the failure mode of an opt-in is silence, and a cardholder who misses the renewal email keeps paying ₹50,000 for a card whose benefits have quietly lapsed. Reserve is on the same list as Select, Magnus, Magnus for Burgundy, Burgundy Private, Olympus and both Miles & More cards, so this is the whole Axis premium book learning the same trick. Two other things ride the notice: from 28 August the Priority Pass card stops opening Indian domestic lounges — you present the Reserve itself against Axis's own eligible-lounge list, and post-immigration lounges at Indian international terminals still count as international — and a fifth late-payment slab of ₹1,300 appears above ₹50,000 outstanding. Notably, the Reserve notice carries no dynamic-currency-conversion line at all while the bank-wide grid goes 1.5% → 3.5%, and the card's 1.5% foreign transaction fee is untouched.
- 1 Nov 2026Privilege's movie buy-one-get-one becomes a spend gate
- 1 Nov 2026IndiGo Axis Premium's movie BOGO grows a ₹25,000 spend gate
- 1 Nov 2026The movie-BOGO spend gate reaches My Zone too — ₹25,000 in the previous 3 months
- 1 Nov 2026NEO's BookMyShow discount grows a ₹25,000 spend gate
- 1 Oct 2026SELECT's ₹3L milestone stops counting the spends it never rewarded
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 1 Sept 2026Burgundy Private's lapse fee doubles to ₹1 lakh
Every Axis Bank change we've dated → 38 events since 2019, 25 of them nerfs — worst year 2026.
Verified against Axis Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 3 of them, each with the day we read it
- official Axis's own Trust Chemists features page (archived 16-Jul-2012) — the 4% discount at the chain, free-for-life, the welcome and early-bird gifts, the insurance table and the discontinuation notice
- official Axis's own Trust Chemists fee schedule (archived 18-Aug-2012) — nil joining, nil annual, nil on both add-on lines, and the ₹30 PlusPoint redemption fee that shows which rail the card sat on
- official Axis Bank's own credit-card shelf today, every variant listed with its joining and annual fee — and this card is not on it