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Explore cards from India's leading banks.
Last updated: 4 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
15 to 30 points per ₹200 spent
Earn a heavy 15 EDGE Reward Points for every ₹200 swiped on standard domestic purchases. This doubles to 30 Points per ₹200 on all international spending, making it highly lucrative for global travel when paired with airline miles transfer partners.
The privileges that come bundled in, beyond the reward points.
Unlimited access to both domestic and international airport lounges, plus an unmatched allowance of 12 complimentary guest visits per year via Priority Pass.
Elite hotel tiers unlocked instantly: Includes Accor Plus (with a complimentary night stay)
Club ITC Culinaire, and Club Marriott memberships.
Breeze through the airport with 8 complimentary VIP Meet & Greet services and 4 luxury airport chauffeur transfers every year.
Hit the greens with 50 complimentary golf rounds annually at select premium courses across India.
Waived ATM cash withdrawal fees and an industry-low 1.5% markup on foreign currency transactions.
The ₹50,000 annual fee is entirely waived if you spend upwards of ₹35 Lakhs in the preceding year.
An honest read on where this card earns its keep — and where it doesn't.
Offers a genuinely unmatched travel package with unlimited lounge access and generous guest passes.
Bundles elite memberships across Accor, Marriott, and ITC, allowing you to easily recover massive value on luxury hotel stays.
The low 1.5% forex markup combined with 2X points on international spends makes it a powerhouse for heavy global spenders.
Includes rare premium perks like VIP Meet & Greet and luxury airport transfers that most competing cards lack.
The upfront ₹50,000 joining and renewal fee is a massive barrier to entry.
You need to spend a staggering ₹35 Lakhs in a year to trigger the annual fee waiver.
Axis Bank's recent devaluation of airline transfer ratios (now 5:2 for partner miles) has slightly dented its maximum redemption value.
Routine heavy spend exclusions apply—you will not earn rewards on rent, wallet loads, or utility payments.
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Axis Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Axis Bank Reserve Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for Axis Bank Reserve Credit Card.
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Everything you need to know about Axis Bank Reserve Credit Card fees, reward conversion, lounge access, and application eligibility.
Axis Bank Reserve Credit Card has an annual fee of ₹50,000 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Kick off your ultra-premium experience with 50,000 EDGE Reward Points upon card activation—a benefit that repeats every year upon renewal.".
Axis Bank Reserve Credit Card earns EDGE Reward Points at a primary rate of 15 to 30 points per ₹200 spent. Specifically, Earn a heavy 15 EDGE Reward Points for every ₹200 swiped on standard domestic purchases. This doubles to 30 Points per ₹200 on all international spending, making it highly lucrative for global travel when paired with airline miles transfer partners.. Spends in Travel, Lifestyle categories provide the maximum valueback per transaction on this card.
Yes, Axis Bank Reserve Credit Card features complimentary airport lounge privileges. Privileges include: "Unlimited access to both domestic and international airport lounges". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of Axis Bank Reserve Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Axis Bank Reserve Credit Card is issued on the Visa or MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Axis Bank Reserve Credit Card levies a forex markup fee of A highly competitive 1.50% markup on the converted Indian Rupee transaction amount on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Axis Bank Reserve Credit Card currently features a welcome offer: "Kick off your ultra-premium experience with 50,000 EDGE Reward Points upon card activation—a benefit that repeats every year upon renewal.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Offers a genuinely unmatched travel package with unlimited lounge access and generous guest passes. and Bundles elite memberships across Accor. However, keep in mind that The upfront ₹50,000 joining and renewal fee is a massive barrier to entry. and You need to spend a staggering ₹35 Lakhs in a year to trigger the annual fee waiver.. Overall, Axis Bank Reserve Credit Card delivers strong value if your regular spending aligns with Travel, Lifestyle.
You can apply for Axis Bank Reserve Credit Card directly through Axis Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
