Axis Bank Reserve Credit Card vs IndusInd Bank Crest Credit Card
Axis Bank · IndusInd Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreExcellent
Annual Fee₹50,000
Max Reward10%
IndusInd BankScoreExcellent
Annual Fee₹50,000
Max Reward5%
Axis Bank Reserve Credit Card leads overall with a CardCheck Score of 87/100 (+1 pts over IndusInd Bank Crest Credit Card).
4-Pillar Head-to-Head Breakdown
Axis vs IndusIndReward Power
35%Axis35/35
IndusInd34/35
Axis Wins
Fee Value & ROI
25%Axis18/25
IndusInd18/25
Tie (18/25)
Lounge & Travel
20%Axis20/20
IndusInd20/20
Tie (20/20)
Forex & Access
20%Axis14/20
IndusInd14/20
Tie (14/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 87Best
- 86
- Rating Verdict
- Excellent
- Excellent
- Reward Power (35%)
- 35/35
- 34/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 20/20
- 20/20
- Forex & Access (20%)
- 14/20
- 14/20
02—Basic Info
- Bank
- Axis Bank
- IndusInd Bank
- Network
- Visa
- Visa
- Card type
- Premium
- Premium
- Best for
- Ultra HNI — unlimited lounge, concierge & highest miles earning
- Invite-only ultra-premium metal card — zero forex markup, unlimited everything
03—Fees
- Joining fee
- ₹50,000
- ₹50,000
- Annual fee
- ₹50,000
- ₹50,000
- Fee waiver
- —
- ₹30,00,000
04—Interest
- APR (min)
- 52.86%
- 42%Best
- APR (max)
- 52.86%
- 42%Best
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- 0%
- —
05—Rewards
- Reward type
- miles
- points
- Min rate
- 1.5%Best
- 1%
- Max rate
- 10%Best
- 5%
- Points / ₹100
- 15
- —
- Point value
- ₹1
- —
06—Travel & Lounge
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 1.5%
- 0%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 25
- Min income / month
- ₹5,00,000
- ₹5,00,000
- Min CIBIL
- 800
- 800
- Invite only
Rows won
03of 06
03of 06
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 87Best | 86 |
| Rating Verdict | Excellent | Excellent |
| Reward Power (35%) | 35/35 | 34/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 20/20 | 20/20 |
| Forex & Access (20%) | 14/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | IndusInd Bank |
| Network | Visa | Visa |
| Card type | Premium | Premium |
| Best for | Ultra HNI — unlimited lounge, concierge & highest miles earning | Invite-only ultra-premium metal card — zero forex markup, unlimited everything |
03—Fees Differences highlighted | ||
| Joining fee | ₹50,000 | ₹50,000 |
| Annual fee | ₹50,000 | ₹50,000 |
| Fee waiver | — | ₹30,00,000 |
04—Interest Differences highlighted | ||
| APR (min) | 52.86% | 42%Best |
| APR (max) | 52.86% | 42%Best |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | 0% | — |
05—Rewards Differences highlighted | ||
| Reward type | miles | points |
| Min rate | 1.5%Best | 1% |
| Max rate | 10%Best | 5% |
| Points / ₹100 | 15 | — |
| Point value | ₹1 | — |
06—Travel & Lounge Differences highlighted | ||
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 1.5% | 0%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 25 |
| Min income / month | ₹5,00,000 | ₹5,00,000 |
| Min CIBIL | 800 | 800 |
| Invite only | ||
| Rows won | 03of 06 | 03of 06 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Axis Bank Reserve Credit Card | IndusInd Bank Crest Credit Card |
|---|---|---|
| CardCheck Score | 87/100Excellent | 86/100Excellent |
| Annual Fee | ₹50,000 | ₹50,000 |
| Fee Waiver Spend | No waiver | ₹30L/yr |
| Max Reward Potential | 10% | 5% |
| Domestic Lounge Access | Check terms | Check terms |
| International Lounge | Priority Pass (Select) | Priority Pass (Select) |
| Forex Markup Fee | 1.5% | 0% |
Choose Axis Bank Reserve Credit Card if:
Your spending centers around ultra hni — unlimited lounge, concierge & highest miles earning and you want direct partner rewards with Axis Bank.
Choose IndusInd Bank Crest Credit Card if:
Your spending aligns with invite-only ultra-premium metal card — zero forex markup, unlimited everything and you prioritize IndusInd Bank's redemption benefits.
Frequently asked questions: Axis Bank Reserve Credit Card vs IndusInd Bank Crest Credit Card
- Which is better: Axis Bank Reserve Credit Card or IndusInd Bank Crest Credit Card?
- Axis Bank Reserve Credit Card holds a higher overall rating with a CardCheck Score of 87/100 (Excellent) compared to 86/100 (Excellent) for IndusInd Bank Crest Credit Card (a lead of +1 points). Axis Bank Reserve Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- Axis Bank Reserve Credit Card charges an annual fee of ₹50,000 with no official annual spend waiver milestone for renewal fee waiver. In comparison, IndusInd Bank Crest Credit Card charges an annual fee of ₹50,000 with an annual spend threshold of ₹30 Lakh.
- How do the reward rates and cashback compare between Axis Bank Reserve Credit Card and IndusInd Bank Crest Credit Card?
- Axis Bank Reserve Credit Card offers a base reward rate of 1.5% and up to 10% on accelerated partner categories. Meanwhile, IndusInd Bank Crest Credit Card offers a base rate of 1% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Axis Bank Reserve Credit Card or IndusInd Bank Crest Credit Card?
- Axis Bank Reserve Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. On the other hand, IndusInd Bank Crest Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- Axis Bank Reserve Credit Card levies a foreign currency markup fee of 1.5%, while IndusInd Bank Crest Credit Card charges 0%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).