Axis Bank Reserve Credit Card
The Axis Bank Reserve Credit Card is a super premium credit card from Axis Bank, with a joining fee of ₹50,000 + GST.
It earns up to 30 pts per ₹200 (≈2.7% value) on international spend spends in the form of edge reward points (points).
Cardholders get unlimited annual domestic + unlimited annual international airport lounge access, plus taj epicure membership + 50,000 bonus edge reward points as a welcome benefit.
- Joining Fee₹50,000
- Annual Fee₹50,000
- Best Suited ForTravel
- Reward TypeEDGE Reward Points (points)
- 30 pts per ₹200 on international spend
- Base 1.35% on other spends
- Taj Epicure membership + 50,000 bonus EDGE Reward Points
Axisinfinitesuper premiumRewards and Benefits
- air accident: ₹3,50,00,000
- travel medical: ₹50,00,000
- lost card liability: ₹3,00,000
- Club ITC Culinaire membership — Complimentary Club ITC Culinaire membership.
- Accor Plus membership — Complimentary Accor Plus membership.
- Club Marriott Asia Pacific membership — Complimentary handcrafted Club Marriott Asia Pacific membership.
- +2 more
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.3% = ₹202/mo
- Groceries₹8,000 · 1.3% = ₹108/mo
- Dining & food delivery₹8,000 · 1.3% = ₹108/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.3% = ₹135/mo
- Utilities & bills₹5,000 · 0.0% = ₹0/mo
₹6,642 rewards − ₹50,000 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- super premium card issued by Axis Bank.
- Joining / annual fee of ₹50,000 + GST, waived on annual spends of ₹25,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (unlimited/annual) + international (unlimited/annual).
- Insurance cover bundled: air accident, travel medical, lost card liability.
Pros & Cons
- Annual fee waivable on ₹25,00,000 spend.
- Low forex markup of 1.50% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- High annual fee of ₹50,000.
- No rewards on fuel spends.
₹25,000 welcome benefit
- Taj Epicure membership + 50,000 bonus EDGE Reward PointsJoining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 30 pts per ₹200 on international spend2X EDGE Reward Points (30 per ₹200) on international spends up to the assigned credit limit per calendar month (w.e.f 20 Jun 2025); base 15 per ₹200 thereafter.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- government
- insurance premiums
- utilities
- jewellery
Airport lounge access
Insurance benefits
- air accident: ₹3,50,00,000
- travel medical: ₹50,00,000
- lost card liability: ₹3,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹400 per monthly.
Other benefits
- Club ITC Culinaire membership. Complimentary Club ITC Culinaire membership.
- Accor Plus membership. Complimentary Accor Plus membership.
- Club Marriott Asia Pacific membership. Complimentary handcrafted Club Marriott Asia Pacific membership.
- Swiggy One membership. Complimentary Swiggy One membership.
- Postcard Hotel savings. 15% savings at Postcard Hotel.
Sources
- : www.axis.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–70
- Credit score
- 780+
- Income (salaried)
- ₹35,00,000 p.a.
- Income (self-employed)
- ₹35,00,000 p.a.
Typically available to Axis Burgundy Private / Priority banking clients.