Axis Bank Reserve Credit Card
Fees
₹50,000 + Taxes
Joining & annual
Reward 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
Unlimited + 12 Guest Visits/yr
Our 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.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
15 EDGE points per ₹200 domestic, 30 international
No limit
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
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
Spend milestone
Annual fee waived on annual retail spends of ₹35 Lakh
Spend milestone
Bonus 50,000 EDGE reward points on annual fee payment
Fees & Charges
Joining fee
₹50,000 + Taxes
Annual fee
₹50,000 + Taxes
Annual fee waived on ₹35 Lakh annual retail spends
Interest rate
2.5% per month (30% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹750
- ₹5,001 to ₹10,000
- ₹1,000
- ₹10,001 to ₹25,000
- ₹1,200
- ₹25,001 to ₹50,000
- ₹1,200
- Above ₹50,000
- ₹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
Credit score & income
Excellent (780+), Salaried ₹6 Lakh/month or ITR ₹75 Lakh/annum
Frequently Asked Questions
Did Axis Reserve see benefit cuts in 2026?
What's the reward rate on Axis Reserve?
How many lounge visits does Axis Reserve offer?
What luxury memberships come with Axis Reserve?
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 |