All cards / Axis Bank
Axis Bank Reserve Credit Card
Axis Bank's ultra-premium, largely invitation-oriented card — strong on hotel/dining memberships, unlimited lounge access, golf, and a low forex markup, but the ₹50,000 fee (waived only above ₹35L annual spend) and thin public disclosure of reward mechanics make it a niche product for high-net-worth spenders rather than a mass-market recommendation.
Rates and fees last verified 19 July 2026.
Annual fee
₹50,000
Joining fee
₹50,000
Reward type
points
Base reward rate
1.5%
Card network
Visa
Card tier
Super-premium
Reward rates by category
- Travel1.5%
Eligibility
- Minimum credit score: 780
- Employment: salaried, self-employed
- Age: 21–70
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 + international (Priority Pass) lounge access
- + Low 1.5% forex markup and nil cash withdrawal fee
- + Premium hotel/dining memberships plus golf and concierge
Cons
- − ₹50,000 joining/annual fee only waived above ₹35 lakh/year spend
- − Largely invitation-based with income/eligibility criteria and exact reward rate not publicly disclosed on official pages
Applying takes you to Axis Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.