About Axis Bank Reserve Credit Card
Axis Reserve Credit Card from Axis Bank is a super-premium credit card designed for high-income individuals who travel frequently. The card focuses heavily on travel benefits, offering unlimited lounge access, premium hotel memberships like Club ITC Culinaire, Accor Plus, and Club Marriott, along with a low forex mark-up fee of 1.5%. Even after recent devaluations, the card continues to deliver strong value for travel-focused users.
One of its biggest highlights is its lounge access, which stands out even when compared to cards like HDFC Infinia Credit Card and Axis Magnus Credit Card, as it offers access for add-on members and guest visits as well. However, the card has a relatively low reward conversion ratio of 5:2, which may not justify the high annual fee for some users. Still, it offers one of the highest earning rates, with 15 points per Rs. 200 (around 7.5% value-back) on domestic spends and 2X rewards on international spends, making it a strong option for high spenders.
Suggested Read: Best Credit Card for International Travel
Axis Bank Reserve Credit Card Rewards Program
Rewards Program
- Get 15,000 EDGE reward points on card activation
- Earn 15 EDGE reward points per Rs. 200 on domestic spends
- Earn 30 EDGE reward points per Rs. 200 on international spends
- Redeem points for airmiles or hotel loyalty programs
Also Read: Best credit cards in India 2026
Other Features and Benefits
Travel Benefits
- Priority Pass membership with unlimited international lounge access for primary and add-on cardholders, plus 12 guest visits every year
- Unlimited domestic lounge access for primary and add-on cardholders, along with 12 complimentary guest visits
- Low forex mark-up fee of 1.5% on international transactions
Hotel Membership Benefits
- ITC Culinaire: Complimentary 3rd night stay, 50% off on suites (weekends), dining benefits and exclusive vouchers
- Accor Plus: 1 free night stay in Asia Pacific, room upgrades, up to 50% dining discount and buffet for 2 in India
- Club Marriott: 20% discount on dining and hotel stays across select properties
- Oberoi Hotels: 15% off on room rates and 50% off on suites
- Postcard Hotels: 20% discount on stays with flexible check-in and added lifestyle benefits
Suggested Read: International Lounge Access Credit Cards in India
Lifestyle Benefits
- EazyDiner Prime membership with up to 25% discount at premium restaurants
- 50 complimentary golf rounds every year across select golf courses in India
- BookMyShow offer: Buy 1 Get 1 free on movie tickets (up to Rs. 500 off) and non-movie tickets (up to Rs. 1,000 off), up to 5 times a month
- Weljii offer: Free first consultation and 25% off on wellness coaching plans
Medical Benefits
- Second medical opinion from leading international specialists
- Diagnostics at top labs like Dr. Lal Pathlabs, Metropolis, and SRL Diagnostics
- Global travel and medical assistance services
Insurance Covers
- Lost card liability cover up to the credit limit
- Purchase protection up to Rs. 2 lakh
- Lost/delayed baggage and document cover up to USD 500
- Credit shield cover up to Rs. 5 lakh
Financial Benefits
- No cash withdrawal charges
- Reduced finance charge of 2.5% on extended credit
- 1% fuel surcharge waiver on spends between Rs. 400 and Rs. 4,000 (up to Rs. 400 per month)
Suggested Read: Fuel Credit Cards in 2026
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Rs. 50,000+ Applicable Taxes |
| Annual Fee | Rs. 50,000 (Waived off on spending Rs. 35 Lakh in the previous year)+ Applicable Taxes |
| Finance Charges | 3.0% per month | 42.58% per annum |
| Cash Withdrawal Fee | Waived |
| Late Payment Charges | | For outstanding balance: | | | Up to Rs. 500 | Nil | | Between Rs. 501 and Rs. 5,000 | Rs. 500 | | between Rs. 5,001 and Rs. 10,000 | Rs. 750 | | Greater than Rs 10,000 | Rs. 1200 |
|
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Document Required For Axis Bank Reserve Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Axis Bank Reserve Credit Card Highlights
What do we like about this card?
- Get a welcome bonus of 15,000 Edge Reward points when you activate the card
- Earn 15 Edge Reward points for every ₹200 spent
- Earn double points (30 per ₹200) on international spending
- Enjoy low foreign transaction charges of just 1.5%
- Free unlimited airport lounge access (both domestic and international) for primary and add-on cardholders
- Get 12 free guest lounge visits (domestic + international combined)
- Avail 8 complimentary VIP airport assistance services
- Enjoy hotel privileges through memberships like ITC Culinaire, Accor Plus, Club Marriott Asia Pacific, Oberoi Hotels & Resorts, and Postcard Hotel
- Play up to 50 free golf rounds every year at selected courses in India
- Get up to 25% discount at premium restaurants with EazyDiner Prime membership
- Buy 1 Get 1 free on movie tickets (up to ₹500 off on second ticket)
- Buy 1 Get 1 free on non-movie tickets (up to ₹1,000 off on second ticket)
- Offers can be used up to 5 times per month for each category
- Access health and wellness services via Weljii, including second medical opinion support through referrals
Things to Know Before you apply
Get this card if:
- You are a frequent traveller and want to save on lounge access, flights, and other travel expenses
- You are looking for premium benefits like golf rounds and hotel memberships
- You can meet the annual spending requirement for fee waiver
- You prefer redeeming rewards as airmiles or hotel loyalty points
Pros
- No cash withdrawal charges
- Unlimited lounge access worldwide
- Complimentary memberships at premium hotels
- Low forex mark-up fee of 1.5% on international spends
Cons
- High annual fee of Rs. 50,000
- Annual fee waiver requires very high spending
- Reward redemption value is low
- Miles transfer program has partner restrictions
- Some everyday spends are not eligible for rewards
Axis Bank Credit Card Contact Details
- Contact Address: Axis Bank Limited, Corporate Office, Axis House, Wadia International Centre, Pandurang Budhkar Marg, Worli, Mumbai – 400 025, Maharashtra, India.
Helpline Numbers: 1860-419-5555, 1860-500-5555 (available from all major cities in India)
Simply SMS Service: Send BAL <space> last 4 digits of your credit card to 56161600 or 8691000002 to get your credit card balance via SMS.
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