CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Axis Bank

Axis Reserve Credit Card

22
Ranked #159 of 170 in credit
creditVisasuper-premium

Axis Bank's top-tier invite-only card, notable for unlimited lounge access without the spend-gating imposed on Axis's other premium cards, plus a strong bundle of hotel and dining memberships.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value15/100 · weight 71%
≈ 0.75% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
No rewards on: insurance. Reward score is scaled by ×(1 − 0.4%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency6/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks44/100 · weight 9%

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
Waiver: Annual fee waived on annual spend of Rs 35 lakh
Forex markup
1.5%

Lounge access

Domestic (per year)
-1
International (per year)
-1

Reward structure

CategoryTypeRateCapNotes
travelpoints7.50%(30 pts @ ₹0.25)—2X points on international card spending
online_travel_bookingpoints0.60%(3 pts @ ₹0.20)—2X EDGE points on international spends up to credit limit
all_spendspoints0.30%(1.5 pts @ ₹0.20)—15 EDGE pts/Rs 200 domestic; excludes utilities, wallet, insurance, jewellery, government

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

15,000 EDGE Reward Points on first transaction within 30 days (not applicable to first-year-free/lifetime-free variants)

Milestone benefits

Pros

  • Unlimited lounge access without spend-gating (unusual - most Axis cards now require Rs 50K/3-month spend)
  • Club ITC Culinaire, AccorPlus, and Club Marriott APAC memberships bundled
  • 50 golf rounds/year
  • 8 VIP airport assistance visits
  • 4 luxury airport transfers/year
  • low 1.5% forex
  • zero cash withdrawal fee
  • BOGO movie/event tickets 5x/month each category

Cons

  • Very high Rs 50,000 fee
  • low 5:2 point-to-mile transfer ratio vs competitors' better ratios
  • utilities, wallet, insurance, jewellery, government institutions excluded from rewards
  • rental transactions capped at Rs 1 lakh/month for points

What's inside

More benefits

  • Hotel memberships bundle

    ₹25,000

    Complimentary Club ITC Culinaire, AccorPlus, Club Marriott APAC memberships

    Cap ₹25,000 / yearly. Consent form required, renews on card renewal

  • Golf rounds

    ₹3,000

    50 complimentary golf rounds/year at premier courses

    Cap ₹1,50,000 / unlimited. Advance booking required

Insurance cover

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₹NaN

Eligibility

text
Invite-only/high income; age 18-70, add-on 15+

Small print

Fuel surcharge:1% fuel surcharge waiver on Rs 400-Rs 4,000, capped Rs 400/month; 15 EDGE points on fuel transactions outside this range