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Axis Bank Reserve

Axis Bank
|
Lounge Access Premium Rewards Travel

Annual Fee

₹50,000

Rewards/₹100 ⓘ

₹1.50 - ₹3.00

Normalized to balance base rate with bonus categories

Interest Rate

42.58%

Credit Score

800+

At a Glance

Key Benefits

Reward points, 2.00% forex markup

Lounge Access

Unlimited domestic + Unlimited intl lounges/year

Eligibility

Income: Above Rs 1 Lakh/month, CIBIL: 800+

Quick Details

Annual Fee
₹50,000 #300
Joining Fee
₹50,000 #298
Interest Rate
42.58% p.a. #234
Forex Markup
2.00% #38
Rewards/₹100
₹1.50 - ₹3.00 #101
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
Unlimited #1
International Lounge Visits
Unlimited #1
Min Credit Score
800+ #273
Min Monthly Income ₹NaN
Network VISA
Late Payment Fee ₹1,200
Over Limit Fee 2.50% (min ₹500)
Cash Advance Fee 2.50%
Fee Waiver on Spend ₹35,00,000/yr

Reward Structure

Base

All Spends

₹1.50 /₹100
Base

International

₹3.00 /₹100

Reward Calculator

₹
Allocate by Category 100%
Other Spends
15.0 pts
100% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Welcome Bonus

Welcome vouchers worth Rs 50,000

Spend ₹0

₹50,000

value

Airport Lounge Access

Domestic Free
Unlimited

visits

International Free
Unlimited

visits

Priority Pass Free
Unlimited

visits

Insurance Coverage

Purchase Protection

₹2,00,000

Baggage Loss

₹37,500

500 USD equivalent

Credit Shield

₹5,00,000

Lifestyle Perks

Golf

50 /year

Complimentary golf rounds at premium courses

Concierge

24x7 global concierge services

Airport Transfer

4 /year

Luxury airport pick-ups/drops

Vip Assistance

8 /year

VIP airport assistance

Membership

5 /year

Club Marriott, EazyDiner Prime, Accor Plus, Club ITC Culinaire, Swiggy One

Quick Analysis

Axis Bank Reserve is India's most premium credit card offering unparalleled luxury benefits for ultra-HNIs.

Pros

  • Unlimited domestic & international lounge access. 50 complimentary golf rounds annually. Premium memberships (Club Marriott, EazyDiner Prime, Accor Plus). 3% rewards on international spends. VIP airport assistance & luxury transfers. Metal card design

Cons

  • Very high annual fee of Rs 50,000. Invite-only availability. Requires Rs 35L spend for fee waiver. Not suitable for domestic-focused users. Complex reward redemption

Best For

Ultra HNIs, frequent international travelers, luxury lifestyle seekers, golf enthusiasts

Not Ideal For

Budget-conscious users, those seeking cashback, infrequent travelers

Frequently Asked Questions

What is the annual fee for Axis Bank Reserve?
The annual fee is Rs. 50000. The fee can be waived on spending Rs. 3500000 annually.
What are the eligibility requirements for Axis Bank Reserve?
A good credit score of 800+ is recommended. Income requirements vary based on your relationship with the bank.
Does Axis Bank Reserve offer lounge access?
Yes, the card offers complimentary airport lounge access.
What rewards does Axis Bank Reserve offer?
The card offers reward value ranging from 1.50% to 3.00% depending on spend categories.
What is the forex markup on international transactions?
The forex markup is 2.00% on international transactions.
Which payment network does Axis Bank Reserve use?
The card is issued on the Visa network.

User Reviews

Our Rating

3.3
APPLY NOW

on Axis Bank's website

Rating Breakdown

Rewards
3.5/5 Top 63%
Benefits
4.4/5 Top 41%
Fees
2.0/5 Top 98%
Value for Money
3.8/5 Top 21%
User Reviews
3.0/5 Top 50%

Important Links

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