Axis Bank Reserve Credit Card
The Axis Bank Reserve Credit Card is the bank's most exclusive offering, targeted at ultra high-net-worth customers.
Premium Privileges Fit Score
97/100
Joining Fee
₹50,000
Annual Fee
₹50,000
Reward Rate (%)
1.5 – 10
7.5 pts/₹100 · ₹0.2/pt
Forex Markup
1.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
18/25
Lounge & Perks
20/20
Forex & Access
14/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Axis Bank Reserve Credit Card Benefits
Axis Bank Reserve Credit Card Rewards
How you earn back on every swipe
points
Reward type
1.5% – 10%
Earn rate
7.5
Points / ₹100
₹0.2
Per point
Axis Bank Reserve Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Axis Bank Reserve Credit Card Lounge Access
Airport perks included with this card
Priority Pass
Included with this card
DreamFolks
Lounge access via DreamFolks
Things to Keep in Mind
- Oberoi hotel offers discontinued
- luxury airport transfers discontinued
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹2,91,667/mo (₹35,00,004/yr), your ₹50,000 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Axis Bank Reserve Credit Card Eligibility
Employment type
Invite only — You typically need an existing relationship with Axis Bank to get this card.
Pros & Cons
- Unlimited domestic and international lounge access for self + companion
- 15 EDGE Miles per ₹200 on Axis Travel EDGE — best rate among Axis cards
- Metal card with premium concierge service
- Taj InnerCircle Epicure membership (dining and hotel privileges)
- 1.5% forex markup — lowest on any Axis card
- Golf privileges — free green fees at partner courses
- ₹50,000 joining + annual fee
- Invite-only — requires Burgundy Private or wealth manager referral
- Very high income eligibility bar
Who is this card for?
Ultra HNI customers with annual card spends of ₹30L+ who value concierge services, unlimited lounge, and the highest possible miles earning rate.
Quick Links
Data last updated 1 Sept 2026
Calculate your exact earnings with Axis Bank Reserve Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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