Axis Bank Reserve Credit Card
A super-premium metal card earning 15 EDGE REWARD Points per ₹200 (30 on international spends), with a 1.5% forex markup, unlimited lounge access, 50 golf rounds a year and hotel memberships; Axis Bank does not state a rupee value for its points. Every figure below is copied from Axis Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹50,000 plus GST Terms |
|---|---|
| Annual fee | ₹50,000 plus GST MITC |
| Annual fee waiver | On ₹35,00,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 1.5% of the transaction, plus GST MITC |
| Fees are plus taxes. | |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| International spends, up to the credit limit in a calendar month | 30 points per ₹200 Terms | no cap on record |
| Other eligible spends | 15 points per ₹200 Product page | no cap on record |
Rent earns points only on the first ₹1,00,000 a month. Gold and jewellery, gift cards and tolls earn nothing. Points are redeemed on the EDGE Rewards catalogue or transferred to airline and hotel partners.
No rewards on
- Utilities and telecom Product page
- Wallet loads Product page
- Government spends Product page
- Insurance Product page
- Fuel Product page
Benefits
- Lounges: Unlimited international (Priority Pass) and domestic lounge visits for primary and add-on cardholders, plus 12 guest visits a year on each Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹4,000, up to ₹400 a month Product page
- Welcome: 15,000 EDGE REWARD Points on the first transaction within 30 days (not for first-year-free or lifetime-free cards); no rupee value is stated Product page
Also on this card
Quoted from Axis Bank; not counted in the net value.
- 50 complimentary golf rounds a year Product page
- BookMyShow: buy one movie ticket, get up to ₹500 off the second, up to 5 times a month Product page
- EazyDiner Prime membership with up to 25% off at premium restaurants Product page
- Club ITC Culinaire, Accor Plus and Club Marriott Asia Pacific memberships Product page
- 8 complimentary VIP airport assistance services Product page
- Transfer points to airline and hotel partners at 5 points = 2 partner points Terms
- Purchase protection of ₹2 lakh and baggage loss or delay cover of USD 500 Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by Axis Bank in the documents read
- the card network
- a RuPay variant for UPI
- the rupee value of an EDGE REWARD Point on this card
- eligibility criteria
Where Axis Bank’s documents differ, and what is used
- Interest: the Reserve benefits page says a reduced APR of 3% on extended credit; the MITC (finance charges effective 20 Dec 2024) lists 3.75% a month for Reserve.
The quotes behind the figures
31 figures, each copied from an official Axis Bank document.
Show every quote and source
“Axis Bank Reserve Credit Card Compare Complimentary airport concierge services 15,000 EDGE REWARD Points on card activation ITC Culinaire, Accor Plus & Club Marriott hotel memberships; 50 golf rounds per year Joining Fee: ₹50,000 Annual Fee: ₹50,000 Know More Apply Now”
“RESERVE Credit Card 50,000 50,000 (Waived on eligible”
“Annual fee of ₹50,000 + taxes waived off on spending ₹35 lakhs in the preceding year*”
“1.5% of the transaction value for RESERVE Credit Card;”
“You will earn 2X EDGE REWARD Points on international spends i.e. 30 EDGE REWARD Points per INR 200, on international spends^ upto your credit limit per calendar month.”
“2X rewards on international spends”
“15 edge reward points for every ₹200 spent”
“Excluded spend categories for reward earn / spend based fee waiver: Transactions made on Utility & Telecom, Rent (capped at INR 1,00,000 per month for EDGE REWARD Points earn), Wallet, Government spends, Insurance, Gold & Jewellery, Fuel, Cash advances and Repayments.”
“Transactions made on Utility & Telecom, Rent (capped at ₹1,00,000 per month for EDGE REWARD Points earns), Wallet, Gift Card, Government spends, Insurance, Gold & Jewellery, Fuel, Bridge Fees, Road Fees & Tolls, Cash Advances, and Repayments.”
“A credit card that is enriched with a suite of best-in-class privileges and unbridled indulgences.”
“*Customers on-boarded from 1st September 2023, will receive fee waiver of INR 50,000 on spends of INR 35,00,000 in the preceding card anniversary year”
“Spends threshold for annual fee reversal will exclude transactions identified through Rent, Wallet, Gift Card, Utilities & Telecom, Government Institutions, Cash Withdrawals, Insurance, Gold and Jewellery, Fuel, Bridge Fees, Road Fees & Tolls, Reversals, fees, and charges.”
“Reduced markup of 1.5% on international transactions”
“15,000 Reward Points on Card activation*”
“Activation benefit is not appliable for customers who have first year free and life-time free credit card”
“Unlimited complimentary domestic lounge visits for both the primary and add-on cardholders. 12 complimentary guest visits in a year for accompanying guests”
“the customer will be able to transfer maximum of 1 lakh EDGE REWARD Points cumulatively to Group A partners and maximum of 4 lakh EDGE REWARD Points cumulatively to Group B partners.”
“DCC Markup fee of 1.5%”
“Reduced APR of 3% on extended credit”
“RESERVE Credit Card / MAGNUS Credit Card / 3.75% 55.55% 3.75% 55.55%”
“Use your points to redeem travel vouchers, electronic items, and more from our eDGE Rewards catalogue”
“Unlimited complimentary international lounge visits for both primary and add-on cardholders along with the Priority Pass membership. 12 complimentary visits in a year for accompanying guests.”
“Fuel surchage waiver of 1% for transaction between ₹400 to ₹4000 (Capped at ₹400 per month)”
“*Customer must do first transaction within 30 days of card creation to be eligible for 15,000 Edge Reward points in the first year”
“50 Complimentary golf rounds every year across best golf courses in India”
“Buy 1 movie ticket and get upto Rs.500 off on the second ticket for a maximum of 5 times a month”
“Complimentary EazyDiner Prime membership Savings of upto 25% across premium restaurants”
“Club ITC Culinaire membership Accorplus membership Handcrafted Club Marriott Asia Pacific membership”
“8 complimentary VIP Assistance Services for a smooth and hassle-free experience.”
“You can transfer EDGE Reward points to domestic and international partners across airlines and hotels as per the revised transfer ratio of 5:2 (5 EDGE Reward Points = 2 Partner Point/Mile)”
“Purchase protection of ₹2 Lakhs Loss/Delay in baggage & Personal Documents: USD 500 Credit shield: ₹5 Lakhs”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Axis Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Axis Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology