Axis Bank Reserve Credit Card
Fees
₹50,000 + Taxes
Joining & AnnualReward Rate
15 EDGE points per ₹200 domestic spend; 30 EDGE points per ₹200 international spend
Welcome Bonus
50,000 EDGE reward points on card activation & fee payment
Lounge Access
Unlimited + 12 Guest Visits/yr
FindMyCard Expert Take
Axis Reserve is built for genuinely high spenders: unlimited lounge access with 12 guest visits a year, a 50,000-point welcome bonus, and complimentary memberships at ITC, Accor Plus and Oberoi properties. The ₹35 lakh annual spend needed to waive the ₹50,000 fee tells you exactly who this card is for.
Pros & Cons
Key Advantages
- Unlimited complimentary domestic and international lounge access for primary & add-on cardholders + 12 guest visits/year
- 50,000 EDGE reward points welcome benefit (worth up to ₹20,000+ on travel transfer)
- Complimentary luxury hotel memberships (ITC Culinaire, Accor Plus, Oberoi Hotels)
- Low foreign currency exchange markup of 1.5% + Taxes
- Unlimited golf games globally & 24x7 VIP concierge services
Limitations
- High joining & annual fee of ₹50,000 + Taxes
- High income & spend criteria (₹35 Lakh for fee waiver)
- Designed exclusively for super-premium high spenders
Editorial Verdict
The Axis Bank Reserve Credit Card is ideally suited for ultra high net worth individuals & luxury travelers. If you want 15 edge points per ₹200 domestic spend; 30 edge points per ₹200 international spend, this card delivers real value. The ₹50,000 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Excellent (780+), Salaried ₹6 Lakh/month or ITR ₹75 Lakh/annum credit to be approved.
Key Perks & Spending Milestones
15 EDGE reward points per ₹200 spent on domestic retail transactions
30 EDGE reward points per ₹200 spent on international transactions (2X earn rate)
Unlimited complimentary domestic & international lounge access via Priority Pass for primary & add-on members
12 complimentary guest lounge visits per year across domestic and international airports
Complimentary luxury memberships: ITC Culinaire, Accor Plus Explorer, and Oberoi Hotels privileges
Unlimited complimentary golf rounds and golf lessons at top courses worldwide
1.5% foreign currency markup fee on international transactions
VIP airport concierge assistance (meet & assist, fast-track check-in) up to 8 times/year
🚀 Milestone Spends Timeline
Annual fee waived on annual retail spends of ₹35 Lakh
Bonus 50,000 EDGE reward points on annual fee payment
Fees & Charging Rates
Annual Fee Waivers
₹50,000 + Taxes
💡 Annual fee waived on ₹35 Lakh annual retail spends
Regular Interest Charges
2.5% per month (30% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹750 |
| 5001 to 10000 | ₹1,000 |
| 10001 to 25000 | ₹1,200 |
| 25001 to 50000 | ₹1,200 |
| above 50000 | ₹1,200 |
Insurance & Protection Benefits
air accident cover
Up to ₹4.5 Crore
lost card liability
Up to ₹10 Lakh
purchase protection
Up to ₹2 Lakh
emergency medical cover
Up to ₹50 Lakh
Eligibility Criteria
salaried minimum income
₹6 Lakh per month
self employed ITR
₹75 Lakh per annum
age
21 to 70 years
Compare Axis Bank Reserve Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Axis Bank Reserve Credit Card This Card | ₹50,000 + Taxes | 15 EDGE points per ₹200 domestic spend; 30 EDGE points per ₹200... | Unlimited + 12 Guest Visits/yr | 4.9/5 |
| IDFC FIRST Diamond Reserve Credit Card | ₹3,000 + Taxes | Up to 60 points per ₹150 on hotel bookings (10% value-back) and 40... | 8 Domestic + 8 International/yr (₹20K Spend) | 4.9/5 |
| SBI Aurum Card | ₹9,999 + Taxes | 4 Reward Points per ₹100 on all spends (1% base); up to 3.7%... | 4 Domestic/Qtr + Unlimited International | 4.8/5 |
| ICICI Bank Emeralde Credit Card | ₹12,000 + Taxes | 4 Reward Points per ₹100 spent on all categories | Unlimited Domestic + International | 4.8/5 |