Axis Bank Reserve Credit Card

Key Features & Benefits

The Axis Bank Reserve Credit Card transforms your spending into exceptional value with an accelerated reward structure that earns 30 EDGE Reward Points per ₹200 on international transactions up to your credit limit monthly, then 15 points thereafter. Domestic spends earn a solid 15 EDGE Reward Points per ₹200. The card comes with 50,000 EDGE Reward Points as welcome and annual renewal benefits, providing immediate value.

Beyond rewards, this premium metal card offers unlimited domestic and international airport lounge access through Priority Pass for both primary and add-on cardholders, plus 12 guest visits annually. Premium memberships to Club ITC Culinaire, Accor Plus, Club Marriott Asia Pacific, and EazyDiner Prime elevate your dining and hotel experiences. Golf enthusiasts enjoy up to 50 complimentary rounds yearly at select courses, while the low 1.5% foreign exchange markup and zero cash withdrawal charges make it perfect for international travelers.

All You Need to Know About: Axis Bank Reserve Credit Card

Pros & Cons

How to Apply

The Axis Bank Reserve Credit Card is available by invitation only and cannot be applied for directly online or through branches. Axis Bank extends invitations to select high-net-worth existing customers based on their banking relationship, income profile, and spending patterns. If you receive an invitation, you’ll need to submit standard KYC documents including income proof, identity verification, and address confirmation. The bank evaluates applications based on pre-set eligibility criteria and approves cards for qualified affluent customers.

Detailed Fee Structure

The Axis Bank Reserve Credit Card carries a premium ₹50,000 joining and annual fee plus applicable GST, which can be waived on annual spends of ₹35 lakh or more. Add-on cards are complimentary with the same benefits as the primary card. The card charges 3% monthly interest (42.58% annually) on outstanding balances and imposes late payment fees up to ₹1,200.

International transactions incur a competitive 1.5% foreign exchange markup, while fuel transactions carry a 1% surcharge waiver capped at ₹400 monthly. Overlimit fees are 2.5% with a minimum of ₹500, but notably, there are no cash withdrawal charges. The card excludes several categories from reward earning including utility bills, telecom, rent (capped at ₹1 lakh monthly), wallet loads, government payments, insurance, gold purchases, and fuel transactions.

Who Should Get This Card?

The Axis Bank Reserve Credit Card is designed for ultra-high-net-worth individuals with annual spends exceeding ₹35 lakh who prioritize luxury travel experiences and premium lifestyle benefits. It’s ideal for frequent international travelers who can maximize the 3% foreign spend rewards, business executives requiring unlimited lounge access, and affluent individuals who value exclusive hotel and dining memberships. The card suits those comfortable with premium fees in exchange for best-in-class rewards, comprehensive travel benefits, and status-oriented perks across golf, dining, and hospitality sectors.

Alternatives & Competitor Comparison

Feature	Axis Bank Reserve Credit Card	HDFC Diners Club Black Credit Card
Card Image
Card Network	Visa	Diners Club
USP	The Axis Bank Reserve Credit Card delivers 3% rewards on international spends up to your credit limit, unlimited global lounge access, and premium lifestyle memberships including Club Marriott and ITC Culinaire, making it the ultimate luxury travel and dining companion for high-net-worth individuals.	A powerhouse premium credit card designed for frequent travelers and high spenders, the HDFC Diners Club Black offers unlimited worldwide airport lounge access, top-tier reward earnings, and exclusive lifestyle memberships—making it the ultimate choice for luxury, travel, and elite benefits in India
Annual Fee	50000 Plus GST	10000 Plus Apllicable Taxes
Joining Fee	50000 Plus GST	10000 Plus Apllicable Taxes
Welcome Benefits	50,000 EDGE reward points as joining and renewal benefit	On paying the joining fee or spending ₹1.5 lakh within the first 90 days, you get complimentary annual memberships: Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months), and MMT Black. As a monthly benefit, on spends of ₹80,000, you get to choose two vouchers per month worth ₹500 each from TataCLiQ, BookMyShow, Uber, or cult.fit
Lounge Access	Domestic: Unlimited | International: Unlimited Unlimited access for primary and add-on cardholders	Domestic: Unlimited | International: Unlimited Applicable for primary and add-on card holders
Reward Rate	Earn 1.5% EDGE reward points on domestic spends, 3% on international spends up to credit limit per month (then 1.5%). Excluded categories: Utility, Telecom, Rent (capped at ₹1 lakh/month), Wallet, Government, Insurance, Gold & Jewellery, Fuel, Cash advances, Repayments.	5 reward points per ₹150 spent on regular purchases (approx. 3.3% value on travel bookings via SmartBuy), with up to 10X points on select partner spends, and 2X points on weekend dining; no points on fuel, wallet loads, rent, or select categories.
Interest Rate	3% per month (42.58% per annum)	Revolving credit interest is roughly 3.6% per month (as per standard HDFC high-end card rates; confirm via latest schedule as HDFC does not state a unique rate for this card on every document).
Best For	Lounge Access, Travel	Dinning, Lounge Access, Travel
Apply Now	Apply Now	Apply Now

Frequently Asked Questions