Axis Bank Reserve Credit Card

Gaurav

The Axis Bank Reserve Credit Card is a premium card made for people who want luxury benefits and travel perks. You earn 1.5% rewards on spending in India and double points on spending abroad. These rewards come as Axis Bank Edge Reward Points. Along with this, the card gives free access to airport lounges (both in India and internationally), memberships at top hotels like ITC, Accor, and Marriott, dining benefits through EazyDiner Prime, and concierge services to help with bookings and reservations.

Even though the card has seen some changes in its features over time, it’s still one of the best options for travelers. One big plus is that add-on cardholders and a few guests also get free lounge access, which most other premium cards don’t offer. One downside is that converting points to air miles isn’t very rewarding, but the overall reward rate is still very high. For example, if you spend ₹15,000 on regular things like shopping or travel, you can earn 1,125 points.

Credit Card Detail
Axis Bank Reserve Credit Card
Joining Fee
Rs. 50000.00 +GST
Renewal Fee
Rs. 50000.00 +GST
Best Suited For
Shopping | Dining | Movies | Travel
Reward Type
Reward Points
Welcome Benefits
Get 50,000 Edge Reward Points when you activate your card.
Apply Now
Rewards Rate
You get 15,000 reward points when you activate the card. After that, you earn 15 points for every ₹200 spent in India and 30 points for every ₹200 spent abroad.
Reward Redemption
You can use Axis Bank Edge Reward Points to get instant vouchers or special products on the Edge Rewards portal. You can also convert them into Edge Miles for flights and hotel programs like Etihad, Qatar Airways, and Marriott at a 5:2 ratio.
Movie & Dining
Get up to 25% off at top restaurants, plus enjoy Buy 1 Get 1 free on both movie and event tickets. You can save up to ₹500 on movie tickets and ₹1,000 on other events, up to 5 times a month for each offer.
Travel
Get 8 free VIP services to help with check-in, security, immigration, and luggage handling. You also get a Priority Pass with unlimited free international lounge access for both you and your add-on cardholders, plus 12 free guest visits.
Golf
Get 50 free golf games each year at selected golf courses in India.
Domestic Lounge Access
You get unlimited free access to domestic airport lounges for both you and your add-on cardholders.
International Lounge Access
Get unlimited access to international airport lounges every year through your free Priority Pass membership.
Insurance Benefits
The card offers strong insurance benefits, including purchase protection up to ₹2 lakhs, $500 coverage for lost or delayed baggage, and a ₹5 lakh credit shield in case of emergencies.
Interest Rates
3% interest each month, which adds up to about 42.58% in a year
Spend-Based Waiver
The renewal fee is not charged if you spend at least ₹35 lakhs in the previous 12 months.
Rewards Redemption Fee
Nil
Cash Advance Charges
Nil
Foreign Currency Markup
1.50% +GST
Fuel Surcharge
You get a 1% fuel surcharge waiver when you spend between ₹400 and ₹4,000 on fuel, with a maximum benefit of ₹400 per month.
Card Details
  • Get 50,000 bonus Edge Reward Points as a welcome gift, plus 15,000 points on card activation
  • Earn 15 points per ₹200 spent in India and 30 points per ₹200 spent abroad
  • Enjoy unlimited free airport lounge access (domestic & international) for both primary and add-on cardholders, with 12 free guest visits yearly via Priority Pass
  • Pay a lower forex markup fee of 1.5% on international transactions
  • Get free hotel and dining memberships: Club ITC Culinaire, Accor Plus, Club Marriott (weekends only), and EazyDiner Prime with up to 25% off at top restaurants
  • Enjoy BookMyShow offers: Buy 1 Get 1 Free on movies (up to ₹500 off) and non-movies (up to ₹1,000 off), up to 5 times/month each
  • Avail 50 complimentary golf rounds per year at select courses in India
  • Get one free Weljii wellness coaching session + 25% off on more, second medical opinion from global hospitals, discounts at top labs (Dr. Lal Pathlabs, Metropolis, SRL), and medical/travel help during foreign trips
  • Stay protected with lost card liability cover up to your credit limit, purchase protection up to ₹2 Lakh, travel-related covers (baggage/document loss – USD 500), and credit shield up to ₹5 Lakh
  • No cash withdrawal charges, lower interest rate of 2.5%, and 1% fuel surcharge waiver on ₹400–₹4,000 spends (up to ₹400/month)
Pros/Cons
Pros
- You get unlimited airport lounge access, free memberships at top hotel chains, a low 1.5% fee on international transactions, and no extra charges for withdrawing cash.
Cons
- The card has a very high annual fee of ₹50,000 and it's not easy to get that fee waived. The value you get from redeeming reward points is quite low, and some common spending categories don’t earn rewards. Also, the Miles Transfer Program has fewer partner options, which limits flexibility.
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Frequently Asked Questions

Does the Axis Bank Reserve Credit Card charge for cash withdrawals?

No, you can withdraw cash for free—there are no cash advance charges.

Is this card good for international use?

Yes, it’s great for global use. You get 2X reward points and a low 1.5% foreign currency markup.

What are the entertainment benefits on BookMyShow?

You can get one free movie ticket (up to ₹500) and one non-movie ticket (up to ₹1,000), up to 5 times per month.

Can the ₹50,000 annual fee be waived?

Yes, if you spend ₹35 lakhs or more in a year, the renewal fee is waived.

What's the interest rate on this card?

The monthly interest rate is 3%, which equals about 42.58% annually.

How do I increase the card's credit limit?

Just call customer care. Make sure you’ve used the card responsibly and have a good credit score.

Is the Axis Reserve Credit Card made of metal?

Yes, it’s a premium metal card.

How do I use the free concierge service?

Call 1800 103 4962 to access the concierge support.

What restaurant discount do I get with EazyDiner?

You get 25% off up to ₹800 at selected restaurants through the free membership.

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