Axis Bank Reserve Credit Card
PremiumVerified · August 25, 2026
4.9/5.0
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 15 EDGE Reward Points per ₹200 (15 EDGE Reward Points per ₹200 on domestic retail spends)
Overview
Axis Bank Reserve Credit Card by Axis Bank provides premium value tailored for Super Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 15 EDGE Reward Points per ₹200 (15 EDGE Reward Points per ₹200 on domestic retail spends)
- • 30 EDGE Reward Points per ₹200 (30 EDGE Reward Points per ₹200 on international spends (2X))
- • Accelerated Rewards: 5:4 partner mile transfer ratio to 16 airline and hotel partners (Club Vistara, Singapore Airlines, Qatar Airways, Marriott Bonvoy, Accor)
- • Excluded Categories: Fuel, Wallet loads
Welcome Benefit
50,000 EDGE Reward Points + Accor Plus Traveler + ITC Culinaire + Club Marriott + Oberoi Hotels benefits; Qualification Criteria: Payment of joining fee and card setup within 30 days; Fulfillment Timeline: 30 days post fee realization
Milestone Benefit
Spend ₹35 Lakhs (Annual): Annual renewal fee waiver of ₹50,000; Annual Fee Waiver: Spend ₹35,00,000 or more in preceding 12 months for annual fee waiver
Redemption
- • 5:4 conversion to global airline/hotel partner currencies
- • Luxury catalog redemption and Travel EDGE bookings at 1 RP = ₹0.20
Benefits
- Domestic Airport Lounge: Unlimited per year for primary and add-on cardholders via Mastercard / Visa Lounge (Guest Access: 12 complimentary guest visits per year)
- International Airport Lounge: Unlimited per year via Priority Pass via Priority Pass (Guest Access: 12 complimentary guest visits per year)
- Fuel Surcharge Waiver: 1% (Max waiver ₹400 per month)
- 50 Golf Rounds & Luxury Airport Transfers: 50 complimentary golf rounds/coaching lessons annually + 8 VIP airport Meet & Greet services and luxury sedan airport transfers. (Global golf access, Dedicated private concierge) [Partners: Golftripz, Dreamfolks]
Things to Know Before you apply
Axis Bank Reserve Credit Card Eligibility Criteria
- Age: 21–70 years
- Invite-only for Axis Burgundy Private clients
- Salaried & Self-Employed Individuals
- Resident Indian
Axis Bank Reserve Credit Card Customer Care
- Toll Free: 1800 1200
- Landline: +91 22 6600 6600
- Concierge Service: customer.care@bank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹50,000 |
| Annual Fee | ₹50,000 |
| Foreign Currency Mark-up Fee | 1.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹35,00,000 or more in preceding 12 months for annual fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
Axis Bank Reserve Credit Card issued by Axis Bank is one of India's leading credit cards for Super Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 15 EDGE Reward Points per ₹200 (15 EDGE Reward Points per ₹200 on domestic retail spends)
- • 30 EDGE Reward Points per ₹200 (30 EDGE Reward Points per ₹200 on international spends (2X))
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹50000
- • Reward exclusion on fuel purchases and wallet load transactions
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Premium
Premium
Cashback
Fee Details
Joining Fee
₹50,000
Annual/Renewal Fee
₹50,000
Joining Fee
₹60,000
Annual/Renewal Fee
₹60,000
Joining Fee
Free
Annual/Renewal Fee
Free
Welcome Benefit
- • 50,000 EDGE Reward Points + Accor Plus Traveler + ITC Culinaire + Club Marriott + Oberoi Hotels benefits
- • Qualification Criteria: Payment of joining fee and card setup within 30 days
- • Fulfillment Timeline: 30 days post fee realization
- • Choice of 135,000 Membership Rewards points OR luxury Taj / Postcard Hotel stay vouchers worth ₹45,000 upon payment of joining fee and spending ₹50,000 within first 90 days
- • Qualification Criteria: Payment of ₹60,000 joining fee and ₹50,000 spend within 90 days
- • Fulfillment Timeline: 30 days post criteria completion
- • Gift voucher worth ₹500 on retail spends of ₹15,000 within first 90 days of card issuance, plus 5% cashback up to ₹1,000 on first EMI transaction
- • Qualification Criteria: Min ₹15,000 spend within 90 days of setup
- • Fulfillment Timeline: 30 days post criteria completion
Reward/Cashback Rate
- • Base Rewards: 15 EDGE Reward Points per ₹200 (15 EDGE Reward Points per ₹200 on domestic retail spends)
- • 30 EDGE Reward Points per ₹200 (30 EDGE Reward Points per ₹200 on international spends (2X))
- • Accelerated Rewards: 5:4 partner mile transfer ratio to 16 airline and hotel partners (Club Vistara, Singapore Airlines, Qatar Airways, Marriott Bonvoy, Accor)
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 1 MR Point per ₹40 (1 Membership Rewards® Point per ₹40 spent on all regular retail transactions)
- • 3X MR Points per ₹40 (3X Membership Rewards Points on all overseas transactions)
- • 5X MR Points per ₹50 (5X MR Points via Reward Multiplier portal (Apple, Flipkart, Taj, MakeMyTrip))
- • Accelerated Rewards: 3X MR points on international spends + 5X on Reward Multiplier. Points NEVER expire and can be transferred 1:2 to Marriott Bonvoy or 1:1 to British Airways, Emirates, Virgin Atlantic, Singapore Airlines, Qatar Airways.
- • Excluded Categories: Fuel, Insurance, Cash advance
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on your birthday)
- • Accelerated Rewards: 10X Reward Points on spends exceeding ₹20,000 per month & on birthday. Points never expire (1 pt = ₹0.25).
- • Excluded Categories: Fuel, Insurance, EMI, Wallet loads
Pros
- • Base Rewards: 15 EDGE Reward Points per ₹200 (15 EDGE Reward Points per ₹200 on domestic retail spends)
- • 30 EDGE Reward Points per ₹200 (30 EDGE Reward Points per ₹200 on international spends (2X))
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1 MR Point per ₹40 (1 Membership Rewards® Point per ₹40 spent on all regular retail transactions)
- • 3X MR Points per ₹40 (3X Membership Rewards Points on all overseas transactions)
- • 5X MR Points per ₹50 (5X MR Points via Reward Multiplier portal (Apple, Flipkart, Taj, MakeMyTrip))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on your birthday)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Annual renewal fee of ₹50000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹60000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions