Axis Reserve Credit Card

creditVisasuper-premium

Top-tier invitation-style credit card targeting HNIs with exceptional health, travel, and golf privileges.

Score breakdown

Data completeness: 75% · Last verified: 06 Jul 2026

Reward value80/100 · weight 65%

≈ 3.98% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency5/100 · weight 11%

Redemption flexibility75/100 · weight 8%

Perks71/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹50,000 + 18% GST
= ₹59,000 total
Annual fee: ₹50,000 + 18% GST
= ₹59,000 / year total
Forex markup: 1.5%

Lounge access

Domestic (per year): Unlimited
International (per year): Unlimited

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
travel	points	7.50%(30 pts @ ₹0.25)	—	2X points on international card spending
all_spends	points	3.75%(15 pts @ ₹0.25)	—	15 EDGE Reward points per Rs 200 spent across all standard categories

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

fuelwallet loadgovernmentrentinsuranceutilitieseducationemi

Welcome offer

50,000 EDGE Reward Points on payment of joining fee.