All cards / Axis Bank
Axis Bank Reserve Credit Card
The Axis Bank Reserve is Axis's ultra-premium, largely invitation-oriented flagship — unlimited domestic and Priority Pass international lounge access, 50 complimentary golf rounds a year, and memberships across Club ITC Culinaire, Accorplus, and Club Marriott Asia Pacific make it a lifestyle-benefits card first and a rewards card second. At a ₹50,000 fee waived only above ₹35 lakh of annual spend, and with reward mechanics not fully disclosed on official pages, it's built for high-net-worth spenders who value the memberships and service rather than mass-market applicants chasing point value.
Annual fee
₹50,000
Joining fee
₹50,000
Reward type
points
Base reward rate
1.5%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 780+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1.5% base rate
- Travel: Dedicated Travel EDGE concierge for flight/hotel bookings, plus Accorplus and Club Marriott Asia Pacific memberships
- Domestic lounge access: Unlimited complimentary domestic airport lounge access for primary cardholder and guests
- International lounge access: Unlimited international lounge access via complimentary Priority Pass membership
- Golf: Up to 50 complimentary golf games/lessons per year at select courses in India and abroad
- Insurance benefits: Air accident cover and purchase protection cover on card spends (exact sums insured on request)
Benefits by category
- 🍽️ Dining & food delivery
Dedicated 24x7 concierge desk for travel, dining, and lifestyle requests
- ✈️ Travel
1.5% reward rate · Unlimited domestic lounge visits, plus complimentary Priority Pass membership with unlimited international lounge visits
- 🌍 Forex / international spend
Low 1.5% forex markup on international transactions, among the lowest of Axis's card portfolio · 1.5% forex markup on international transactions
Eligibility
- Minimum credit score: 780
- Employment: salaried, self-employed
- Age: 21–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹35,00,000
- Rewards redemption fee: EDGE Reward points can be redeemed for travel/vouchers/statement credit with no redemption fee
- Foreign currency markup: 1.5%
- Interest rate: 42.6% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver at fuel stations across India
- Cash advance charges: Nil cash withdrawal fee — a rare waiver among Indian super-premium cards
Benefits
- Unlimited domestic lounge visits, plus complimentary Priority Pass membership with unlimited international lounge visits
- Dedicated 24x7 concierge desk for travel, dining, and lifestyle requests
- Club ITC Culinaire membership, Accorplus membership, and Handcrafted Club Marriott Asia Pacific membership
- Complimentary golf rounds each year (50 rounds/year per current terms)
- Low 1.5% forex markup on international transactions, among the lowest of Axis's card portfolio
- Nil cash withdrawal fee, unlike most other Axis cards
Pros
- + Unlimited domestic lounge access plus Priority Pass for unlimited international lounge visits
- + Low 1.5% forex markup, among the lowest across Axis's entire card portfolio
- + Nil cash withdrawal fee, unusual for any Indian credit card
- + Premium hotel and dining memberships: Club ITC Culinaire, Accorplus, and Club Marriott Asia Pacific
- + 50 complimentary golf rounds per year plus a dedicated 24x7 concierge desk
Cons
- − ₹50,000 joining/annual fee, only waived above ₹35 lakh of annual spend
- − Largely invitation-based, with income and eligibility criteria not fully published
- − Exact reward point mechanics and category rates are thinly disclosed on official pages
- − Base and travel reward rate (1.5%) is low for a card at this price point, since the value is in memberships rather than points
Best for
Related guides