Axis Bank Reserve Credit Card
Updated 15 Apr 2026Source-linked
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 45% back on dining international 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.
Axis Bank Reserve Credit Card
- Joining Fee₹50,000
- Annual Fee₹50,000
- Best Suited ForTravel
- Reward TypeEDGE Reward Points (points)
Rewards Rate
- 45% on dining international
- Base 3.00% on other spends
Welcome Benefits
- Taj Epicure membership + 50,000 bonus EDGE Reward Points
Axisinfinitesuper premiumRewards and Benefits
Rewards Rate
45% on dining international
Base 3.00% on other spends.
Reward Redemption
EDGE Rewards: Redeem at ₹0.4 per unit.
Welcome Benefits
Taj Epicure membership + 50,000 bonus EDGE Reward Points
Milestone Rewards
N/A
Domestic Lounge Access
Unlimited visits each annual.
International Lounge Access
Unlimited visits each annual.
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
N/A
Golf
4 round(s) / monthly · 2 lesson(s).
Insurance Benefits
- air accident: ₹3,50,00,000
- travel medical: ₹50,00,000
- lost card liability: ₹3,00,000
Other Benefits
- Taj Epicure Plus membership — Complimentary Taj Epicure Plus membership.
- ITC Culinaire membership — Complimentary ITC Culinaire membership.
Fees & Charges
Spend-Based Waiver
₹25,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.50%
Interest Rates
3.60% per month (43.2% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
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
Pros
- Annual fee waivable on ₹25,00,000 spend.
- Strong base reward rate of 3.00%.
- Low forex markup of 1.50% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Accelerated earn rate of 45% on dining international.
Cons
- 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
- 45% on dining international
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- government
- insurance premiums
Airport lounge access
Domestic
Unlimited visit(s) / annual. Via dreamfolks. Guests: unlimited.
International
Unlimited visit(s) / annual. Via priority-pass. Guests: unlimited.
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
- Taj Epicure Plus membership. Complimentary Taj Epicure Plus membership.
- ITC Culinaire membership. Complimentary ITC Culinaire membership.
Sources
- : www.axisbank.com · retrieved 15 Apr 2026
Last verified 15 Apr 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.