Home / Axis Bank

Axis Bank Reserve Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Axis Bank Visa Super-Premium 🛡️ Metal Card

Join / Annual

₹0/₹50000

Base Rate

7.5%

Reward Type

Points

Overview

The Axis Bank Reserve Credit Card is a Super-Premium credit card issued by Axis Bank on the Visa network. It offers a base reward rate of 7.5% on all spends, with rewards issued as Points(1 pt = ₹0.2).

Annual Fee: ₹50,000
Eligibility: Invite-only product for high-net-worth individuals with a strong existing relationship with Axis Bank.

Reward Rates & Cashback Rules

  • CATEGORY – International: 15.0% cashback ⚠️ Accelerated rate applies up to the card's credit limit per calendar month. Spends beyond the limit earn the base rate of 7.5 points per ₹100.
  • CATEGORY – Rent: 7.5% cashback | monthly cap ₹1500.0 ⚠️ Reward earning on rental transactions is capped at spends of ₹1,00,000 per month.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Utilities: 0.0% cashback
  • CATEGORY – Insurance: 0.0% cashback
  • CATEGORY – Government Services: 0.0% cashback
  • CATEGORY – Education: 0.0% cashback
  • CATEGORY – Wallet: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback ⚠️ Accrued points are debited if the transaction is converted to an EMI.

Key Features & Benefits

  • Airport Lounge Access ✈️: Unlimited complimentary international and domestic lounge visits for primary and add-on cardholders via Priority Pass, plus 12 complimentary guest visits annually.
  • Airport Services 🚖: 8 complimentary VIP Assistance services and 4 complimentary chauffeured luxury airport pick-ups/drops annually.
  • Hotel Memberships 🏨: Complimentary memberships to Club ITC Culinaire, Accorplus, and Club Marriott Asia Pacific.
  • Golf Benefits ⛳: 50 complimentary golf rounds per year at select courses in India.
  • Movie Tickets 🎬: Buy One, Get One free on movie tickets, with a discount up to ₹500 on the second ticket. Valid for 5 bookings per month.
  • Low Forex Markup 🌍: A low foreign currency markup fee of 1.5% on all international transactions.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle.
  • Annual Fee Waiver 🎉: Annual fee is waived on spending ₹35 lakh or more in the preceding card anniversary year.

Eligibility Criteria

Invite-only product for high-net-worth individuals with a strong existing relationship with Axis Bank.

Features & Benefits

✈️

Airport Lounge Access

Unlimited complimentary international and domestic lounge visits for primary and add-on cardholders via Priority Pass, plus 12 complimentary guest visits annually.

🚖

Airport Services

8 complimentary VIP Assistance services and 4 complimentary chauffeured luxury airport pick-ups/drops annually.

🏨

Hotel Memberships

Complimentary memberships to Club ITC Culinaire, Accorplus, and Club Marriott Asia Pacific.

⛳

Golf Benefits

50 complimentary golf rounds per year at select courses in India.

🎬

Movie Tickets

Buy One, Get One free on movie tickets, with a discount up to ₹500 on the second ticket. Valid for 5 bookings per month.

🌍

Low Forex Markup

A low foreign currency markup fee of 1.5% on all international transactions.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle.

🎉

Annual Fee Waiver

Annual fee is waived on spending ₹35 lakh or more in the preceding card anniversary year.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

International
Reward: 15.0%
⚠️ Exceptions: Accelerated rate applies up to the card's credit limit per calendar month. Spends beyond the limit earn the base rate of 7.5 points per ₹100.
15%
Rent
Reward: 7.5% Monthly Cap: ₹1500.0
⚠️ Exceptions: Reward earning on rental transactions is capped at spends of ₹1,00,000 per month.
7%
Fuel Exclusion
Utilities Exclusion
Insurance Exclusion
Government Services Exclusion
Education Exclusion
Wallet Exclusion
EMI Exclusion
⚠️ Exceptions: Accrued points are debited if the transaction is converted to an EMI.

Pros & Cons

✓

Pros

  • + International — 15.0% Points
  • + Rent — 7.5% Points (cap ₹1500.0)
  • + Airport Lounge Access
  • + Airport Services
  • + Hotel Memberships
  • + Golf Benefits
✗

Cons

  • − No reward on Fuel
  • − No reward on Utilities
  • − No reward on Insurance
  • − No reward on Government Services
  • −High annual fee of ₹50000
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹22500

Annual Fee

₹50000

Net Value

₹-27500

⚠️ At ₹3L/year spend, the fee outweighs base rewards. This card pays off only through benefits like lounge access, milestone rewards, or high-spend categories.

👍 Best For

  • › High spenders who can offset the annual fee through rewards
  • › Frequent flyers who value unlimited airport lounge access
  • › Travellers who use hotel & lifestyle benefits regularly

👎 Not Worth It If…

  • › Your monthly spends are below ₹25,000 — fee won't be recovered
  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

Community Reviews

Write a review for Axis Bank Reserve Credit Card

🤩

No structured reviews yet. Be the first!

Frequently Asked

The joining and annual fee is ₹50,000 plus GST. This fee can be waived if your annual spends exceed ₹35 lakh in the previous card year.

You earn 15 EDGE REWARD Points per ₹200 on domestic spends and 30 points per ₹200 on international spends. Certain categories like fuel, utilities, and insurance do not earn points.

The card offers unlimited complimentary international and domestic lounge access for both primary and add-on cardholders. It also includes 12 free visits for guests annually.

No, the Axis Bank Reserve Credit Card is an exclusive, invite-only product. It is typically offered to high-net-worth individuals who have a strong, long-standing relationship with Axis Bank.

Explore More Cards

Compare Axis Bank Reserve Credit Card

View All Comparisons →

More Axis Bank Cards

All Axis Bank Reviews →

Super-Premium Tier Cards

Browse All Cards →
Apply Now