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Last updated: 01-06-2026
Axis Bank Reserve Credit Card
Axis Bank

Axis Bank Reserve Credit Card

"Axis Bank's ultra-premium card โ€” unlimited domestic and international lounge access, 5% EDGE Miles on travel, low 1.5% forex and comprehensive luxury benefits"

No ratings yet โ€” be the first to rate below!

Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น50,000 + GST
๐Ÿ”„ Renewal Fee
โ‚น50,000 + GST
Waived: Annual fee waiver or reduction on very high annual spend โ€” typically โ‚น25 lakh+; invite-only card with benefits that offset the fee
๐ŸŽฏ Best Suited For
Ultra-high-net-worth Axis Bank customers who travel internationally frequently and want unlimited global lounge access, luxury hotel benefits and dedicated concierge; competitor to HDFC Infinia and IndusInd Pinnacle
๐ŸŽ Reward Type
EDGE Miles (1 EDGE Mile = โ‚น1 for travel; transferable to airline partners)
๐ŸŽ‰ Welcome Benefit
Premium welcome benefits including luxury brand vouchers, hotel stays and bonus EDGE Miles โ€” value offsets significant portion of joining fee; check current welcome package on Axis Bank website
๐Ÿ’ฐ Reward Rate
25 EDGE Miles per โ‚น200 on travel (5% effective); 10 EDGE Miles per โ‚น200 on dining and entertainment; 5 EDGE Miles per โ‚น200 on all other eligible spends; EDGE Miles transferable to airline partners including InterMiles; excludes fuel, EMI, wallet, rent
โœˆ๏ธ Lounge Access
Unlimited domestic and international airport lounge access at 1,300+ lounges worldwide via Priority Pass and DreamFolks โ€” no spend condition; complimentary guest access; Meet and Greet at select airports
๐Ÿ’ฑ Forex Markup
1.5% on international transactions โ€” among the lowest for any Indian credit card
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โœ… Pros
  • Unlimited global lounge with guest access โ€” no spend condition
  • 5% EDGE Miles on travel
  • 1.5% forex markup โ€” among India's lowest
  • Luxury hotel memberships (ITC, Radisson)
  • Golf privileges
  • Dedicated concierge and relationship manager
  • EDGE Miles transferable to airline partners
โŒ Cons
  • Very high โ‚น50,000 annual fee
  • Invite-only โ€” not available for direct application
  • Verify current benefits on Axis website
  • Premium benefits subject to periodic changes

๐ŸŽ Rewards & Benefits

Reward Type
EDGE Miles (1 EDGE Mile = โ‚น1 for travel; transferable to airline partners)
Welcome Benefits
Premium welcome benefits including luxury brand vouchers, hotel stays and bonus EDGE Miles โ€” value offsets significant portion of joining fee; check current welcome package on Axis Bank website
Reward Rate
25 EDGE Miles per โ‚น200 on travel (5% effective); 10 EDGE Miles per โ‚น200 on dining and entertainment; 5 EDGE Miles per โ‚น200 on all other eligible spends; EDGE Miles transferable to airline partners including InterMiles; excludes fuel, EMI, wallet, rent
Reward Redemption
EDGE Miles transferable to InterMiles and other airline partners; travel bookings at 1 Mile = โ‚น1; Axis EDGE Rewards portal for vouchers and merchandise
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations
Lounge Access
Unlimited domestic and international airport lounge access at 1,300+ lounges worldwide via Priority Pass and DreamFolks โ€” no spend condition; complimentary guest access; Meet and Greet at select airports
Spend Based Fee Waiver
Invite-only; fee offset via premium welcome benefits and milestone rewards
Milestone Benefits
High-value milestone benefits at โ‚น10L, โ‚น20L, โ‚น35L annual spend โ€” luxury vouchers, hotel nights, bonus miles; verify current milestones on Axis Bank website
Other Benefits
Unlimited global lounge with guest access; Meet and Greet at airports; 1.5% forex markup; complimentary luxury hotel memberships (ITC Welcomgroup, Radisson Rewards); golf privileges; 24x7 dedicated concierge; comprehensive travel and medical insurance; purchase protection; air accident cover; priority phone banking; dedicated relationship manager

โœจ Special Perks & Exclusive Offers

Memberships
Priority Pass (unlimited); luxury hotel programme memberships; golf memberships
Insurance Cover
Air accident cover (very high sum); comprehensive overseas medical; travel insurance; purchase protection; zero liability
Add-on Cards
Premium add-on cards with lounge access
Concierge Services
24x7 dedicated luxury concierge; relationship manager
Special Offers
Unlimited global lounge; 5% on travel; 1.5% forex; luxury hotel memberships; golf; dedicated RM

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น50,000 + GST
Annual Fee / Renewal Fee
โ‚น50,000 + GST
โœ“ Waived on: Annual fee waiver or reduction on very high annual spend โ€” typically โ‚น25 lakh+; invite-only card with benefits that offset the fee
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
2.5% per month (30% per annum) โ€” lower for super-premium
ATM Cash Withdrawal / Cash Advance
Reduced charges for super-premium cardholders
Late Payment Charges
As per Axis Bank premium slab
Over Limit Charges
As per Axis Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
1.5% on international transactions โ€” among the lowest for any Indian credit card
Other Charges
Very high โ‚น50,000 annual fee; invite-only โ€” not freely available; verify current benefits on Axis Bank website; premium card benefits subject to periodic updates

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
By invitation only for top Axis Bank customers; net monthly income โ‚น10 lakh+; strong Axis Bank relationship; high existing card spend
Credit Score Requirement
800+ CIBIL recommended; invite-based
Credit Limit
Very high โ€” typically โ‚น20 lakh and above

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available; flexible tenures
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per Axis Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via Axis Mobile app; 24x7 premium helpline
Instant Fraud Alerts
Real-time alerts; dedicated monitoring
Purchase Protection
Comprehensive protection; zero liability
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
Dedicated premium helpline (24x7)
Chat / Email Support
Dedicated relationship manager; Axis Mobile premium support
Mobile App
Axis Mobile app: premium card management
Online Banking
Axis Bank NetBanking

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:33 PM
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