Axis Bank Reserve Credit Card
Updated on October 29, 2026
🎖️Reward Rate
Base Rate: 15 EDGE Reward points per ₹200
Overview
The Axis Bank Reserve Credit Card is a super-premium card with unlimited domestic and international lounge access, 50 golf rounds a year, hotel memberships and a low 1.5% forex markup.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rate: 15 EDGE Reward points per ₹200
- • International Spends: 30 EDGE Reward points per ₹200 up to your credit limit each calendar month, then 15 points per ₹200
- • Rent: Points on rent capped at ₹1 lakh a month
- • Exclusions: No points on utilities and telecom, wallet, gift cards, government, insurance, gold and jewellery, fuel, tolls or cash advances
Welcome Benefit
15,000 EDGE Reward points on card activation if you make your first transaction within 30 days. Not available on first-year-free or lifetime-free cards.
Redemption
- • EDGE Rewards: Redeem for travel vouchers, electronics and more on the EDGE Rewards catalogue
- • Miles Transfer: Transfer points to airline and hotel partners, up to 1 lakh points a year to Group A partners and 4 lakh to Group B partners
- • Pay with Points: Use points at partner stores
Benefits
- International Lounges: Unlimited visits with Priority Pass for primary and add-on cardholders, plus 12 guest visits a year
- Domestic Lounges: Unlimited visits using the card for primary and add-on cardholders, plus 12 guest visits a year
- Golf: 50 complimentary rounds each financial year
- Hotel Memberships: Club ITC Culinaire, Accorplus and Club Marriott Asia Pacific, plus 15% off at Postcard Hotels
- Dining: EazyDiner Prime membership
- Movies and Events: Buy one get one on BookMyShow, up to ₹500 off the second movie ticket and up to ₹1,000 off the second non-movie ticket, 5 times a month each
- Concierge: Airport concierge services and a concierge desk
- Fuel Surcharge Waiver: 1% on transactions of ₹400 to ₹4,000, up to ₹400 a month
- Insurance: ₹2 lakh purchase protection, USD 500 baggage and document cover and ₹5 lakh credit shield
Things to Know Before you apply
Axis Bank Reserve Credit Card Eligibility Criteria
- Age: 21–70 years
Axis Bank Reserve Credit Card Customer Care
- Toll Free: 1800 419 0065
- Concierge Service: 1800 103 4962
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹50,000 |
| Annual Fee | ₹50,000 |
| Foreign Currency Mark-up Fee | 1.5% |
| Cash Advance Fee | No cash withdrawal fee. |
Fee waiver: Annual fee waived if you spend ₹35 lakh in the previous card anniversary year. Rent, wallet, gift card, utilities, government, insurance, gold and jewellery, fuel, toll and EMI spends do not count.
PaisaSimple Review
Overall Rating
3.8/5What do we like about this card?
Rated 3.8 out of 5. The Axis Bank Reserve Credit Card scores well for unlimited domestic and international lounge access with guest visits, 50 golf rounds a year, a 1.5% forex markup and points that transfer to airline and hotel partners. It loses marks because the ₹50,000 fee needs ₹35 lakh of spending to be waived and many categories, including utilities, insurance and fuel, earn no points.
Pros
- • Lounges: Unlimited domestic and international visits with 12 guest visits each a year
- • Golf: 50 free rounds a year
- • Low Forex: 1.5% markup with double points abroad
- • Hotel Memberships: Club ITC Culinaire, Accorplus and Club Marriott
- • No Cash Fee: No cash withdrawal fee
Cons
- • Fee: ₹50,000 joining and annual fee
- • Fee Waiver: Needs ₹35 lakh eligible spend a year
- • Exclusions: Many categories earn no points, including utilities, insurance, fuel and gold
- • Withdrawn Perks: Airport transfers and Oberoi hotel offers have been discontinued
Frequently Asked Questions
What is the joining and annual fee of the Axis Bank Reserve Credit Card?
The joining fee is ₹50,000 plus GST. The annual fee is ₹50,000 plus GST. Annual fee waived if you spend ₹35 lakh in the previous card anniversary year. Rent, wallet, gift card, utilities, government, insurance, gold and jewellery, fuel, toll and EMI spends do not count.
What rewards does the Axis Bank Reserve Credit Card give?
Base Rate: 15 EDGE Reward points per ₹200. International Spends: 30 EDGE Reward points per ₹200 up to your credit limit each calendar month, then 15 points per ₹200. Rent: Points on rent capped at ₹1 lakh a month. Exclusions: No points on utilities and telecom, wallet, gift cards, government, insurance, gold and jewellery, fuel, tolls or cash advances.
How do I redeem the rewards on the Axis Bank Reserve Credit Card?
EDGE Rewards: Redeem for travel vouchers, electronics and more on the EDGE Rewards catalogue. Miles Transfer: Transfer points to airline and hotel partners, up to 1 lakh points a year to Group A partners and 4 lakh to Group B partners. Pay with Points: Use points at partner stores.
Does the Axis Bank Reserve Credit Card give airport lounge access?
International Lounges: Unlimited visits with Priority Pass for primary and add-on cardholders, plus 12 guest visits a year. Domestic Lounges: Unlimited visits using the card for primary and add-on cardholders, plus 12 guest visits a year.
What is the forex markup on the Axis Bank Reserve Credit Card?
The forex markup is 1.5% of the amount spent in a foreign currency.
Who can apply for the Axis Bank Reserve Credit Card?
Applicants should be 21 to 70 years old.
Compare with Similar Cards
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₹66,000
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- • 15,000 EDGE Reward points on card activation if you make your first transaction within 30 days. Not available on first-year-free or lifetime-free cards.
- • Welcome gift worth up to ₹60,000 (choose from Taj Hotels, Luxe Gift Card or The Postcard Hotels and Resorts) when you pay the annual fee and spend ₹50,000 in the first 2 months.
- • Taj Epicure Preferred and Accor Plus Explorer memberships plus 1 lakh bonus reward points on activation.
- • Base Rate: 15 EDGE Reward points per ₹200
- • International Spends: 30 EDGE Reward points per ₹200 up to your credit limit each calendar month, then 15 points per ₹200
- • Rent: Points on rent capped at ₹1 lakh a month
- • Exclusions: No points on utilities and telecom, wallet, gift cards, government, insurance, gold and jewellery, fuel, tolls or cash advances
- • Base Rate: 1 Membership Rewards point for every ₹40 spent
- • Overseas Spends: 3X Membership Rewards points on all spends abroad
- • Rewards Xcelerator: Up to 20X points on 20+ luxury brands
- • Domestic Spends: 16 reward points per ₹200
- • International and Luxury Spends: 32 reward points per ₹200
- • Exclusions: No points on fuel or government payments
- • Lounges: Unlimited domestic and international visits with 12 guest visits each a year
- • Golf: 50 free rounds a year
- • Low Forex: 1.5% markup with double points abroad
- • Hotel Memberships: Club ITC Culinaire, Accorplus and Club Marriott
- • No Cash Fee: No cash withdrawal fee
- • Extensive global lounge network (1,550+ lounges, 140+ countries)
- • Complimentary elite status across multiple hotel and car-rental loyalty programmes
- • Strong travel insurance coverage (₹5 Cr air accident, US$50,000 medical)
- • Points never expire
- • Lounges: Unlimited domestic and international access with guests
- • Hotel Memberships: Taj Epicure and Accor Plus
- • Low Forex: 0.5% markup
- • Airline Transfers: 1:1 to major airlines
- • Fee: ₹50,000 joining and annual fee
- • Fee Waiver: Needs ₹35 lakh eligible spend a year
- • Exclusions: Many categories earn no points, including utilities, insurance, fuel and gold
- • Withdrawn Perks: Airport transfers and Oberoi hotel offers have been discontinued
- • New applications paused by American Express in India
- • ₹66,000 + GST annual fee with no spend waiver
- • Renewal vouchers need ₹20 lakh spend in the membership year
- • Issued only in selected cities
- • Invite Only: You cannot apply directly
- • Fees: ₹50,000 to join and ₹10,000 a year unless waived