Axis Bank Reserve Credit Card

Name: Axis Bank Reserve Credit Card
Brand: Axis Bank
Price: 50000 INR
Availability: InStock
Rating: 3.5 (1 reviews)

Overview

The Axis Bank Reserve Credit Card sits at the pinnacle of Axis Bank's card lineup. It is available only by invitation, issued exclusively to existing Axis Bank customers with substantial banking relationships. The metal card signals ultra-premium status and comes loaded with travel, dining, and lifestyle privileges that go well beyond what even most premium cards in India provide.Travel is the strongest pillar of this card. You get complimentary Priority Pass membership with unlimited international lounge visits, plus unlimited domestic lounge visits at airports across India. Complimentary airport concierge services are included, though luxury airport transfers were discontinued in April 2024. Golf rounds at select courses across the country round out the travel and leisure package.On the dining and lifestyle front, the card bundles Club ITC Culinaire membership, Accorplus membership, and Club Marriott Asia Pacific membership. A 15% discount at Postcard Hotels adds to the hotel benefits, though Oberoi hotel privileges were removed in October 2025. Complimentary EazyDiner Prime membership, BookMyShow tickets, and curated experiences through Extraordinary Weekends cover entertainment. Swiggy One membership was added as a recent perk.The ₹50,000 annual fee (plus GST) makes this one of the priciest cards in the Indian market. Axis Bank has also revised the card's terms and conditions multiple times since 2023, removing certain benefits while adding others. Prospective holders should note that since the card is invite-only, there is no direct application process. Your best path to eligibility is maintaining a strong relationship with Axis Bank through deposits, loans, or high spending on existing Axis cards.

Pros

↑Unlimited Priority Pass lounge access and unlimited domestic lounge visits make this one of the strongest travel cards in India for frequent flyers.
↑Complimentary golf rounds, luxury hotel memberships (Club Marriott, ITC Culinaire, Accorplus), and EazyDiner Prime cover premium lifestyle benefits extensively.
↑Dedicated 24/7 concierge service and metal card construction deliver an elevated cardholder experience that very few Indian cards can match.

Cons

↓The ₹50,000 annual fee (plus GST) is among the highest in India, requiring significant benefit utilisation to justify the cost each year.
↓Invite-only issuance means you cannot apply directly, and Axis Bank controls eligibility based on existing relationship and spending patterns.
↓Several premium partnerships have been discontinued over time (Oberoi hotels, Vistara Gold, luxury airport transfers), reducing the original benefit package.

Key Highlights

Welcome Offer
Unlimited Priority Pass lounge access
Unlimited international lounge visits via Priority Pass
Unlimited domestic airport lounge visits
Complimentary airport concierge services
Primary and add-on cardholders eligible

Reward Rate
Golf, hotel, and dining memberships
Complimentary golf rounds at select courses
Club ITC Culinaire membership
Accorplus and Club Marriott Asia Pacific memberships
EazyDiner Prime and 15% off at Postcard Hotels

Minimum Salary
Invite-only, existing Axis Bank customers
Available only by invitation from Axis Bank
No direct application process
Based on existing banking relationship
Substantial spending history typically required

Joining Fee
₹50,000 + GST
One-time joining fee: ₹50,000 plus GST
Non-refundable
Card issued as metal card
Activate within 30 days of issuance

Annual Fee
₹50,000 + GST per year
Annual fee: ₹50,000 plus GST from 2nd year
Fee waiver on high annual spend (bank discretion)
No publicly stated spend threshold
Contact Axis Bank for retention offers

Why Choose?
India's top invite-only metal card
Metal card with premium construction
24/7 dedicated concierge service
Unlimited lounge access worldwide
Luxury hotel and lifestyle partnerships

Key Benefits

Dining

★4.0

▼

Club ITC Culinaire membership included
Complimentary EazyDiner Prime membership
15% savings at Postcard Hotels
Dining Delights programme at partner restaurants
Visa Dining Offers programme

Fuel

★3.0

▼

1% fuel surcharge waiver on select transactions
Available at fuel stations across India
Standard minimum and maximum limits apply
No additional fuel-specific accelerated rewards

Lifestyle

★4.0

▼

Complimentary BookMyShow tickets
Curated experiences via Extraordinary Weekends
Swiggy One membership included
Accorplus membership for lifestyle perks
EazyDiner Prime dining privileges

Premium

★4.5

▼

Invite-only issuance for select customers
Metal card construction
24/7 dedicated concierge desk
₹50,000 annual fee reflects ultra-premium positioning
Multiple hotel and lifestyle memberships bundled

Reward Points

★2.5

▼

Earns EDGE REWARD points on eligible spends
Point value varies by redemption method
Travel redemptions typically offer better value
Points can be used for flights, hotels, and merchandise

Merchant Offers

▼

Visa Infinite tier exclusive offers
EazyDiner Prime restaurant privileges
Extraordinary Weekends curated experiences
BookMyShow complimentary tickets

Travel

★4.5

▼

Unlimited Priority Pass for international lounge access
Unlimited domestic airport lounge visits
Complimentary airport concierge services
Luxury airport transfers discontinued (April 2024)
24/7 concierge desk for travel assistance

Airport Lounge Access

▼

Unlimited international visits via Priority Pass
Unlimited domestic lounge visits at select airports
Primary and add-on cardholders eligible
No minimum spend condition required

Insurance

▼

Travel insurance coverage included
Personal accident cover
Lost card liability protection
Purchase protection on eligible transactions

Detailed Information

Joining Fee	₹50,000 + GST
Annual Fee	₹50,000 + GST from 2nd year
Annual Fee Waiver	On high annual spend (bank discretion, no published threshold)
Monthly Percentage Rate	3.6%
Annual Percentage Rate	52.86%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	Nil up to ₹500 due; ₹500 (₹501-₹5,000); ₹750 (₹5,001-₹10,000); ₹1,200 (above ₹10,000)
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹500)
Card Replacement Fee	₹500
Fee For Duplicate Statement	Waived
Fee For Cheque Bounce	2% of payment amount (min ₹500)

Age Requirement Salaried	21-70 years
Age Requirement Self Employed	21-70 years
Minimum Annual Income Salaried	By invitation only (bank discretion)
Minimum Annual Income Self Employed	By invitation only (bank discretion)
Minimum Credit Score	Not applicable (invite-only)

Identity Proof	PAN Card (mandatory) Passport Driving License Aadhaar Card
Address Proof	Passport Driving License Voter ID Aadhaar Card
Income Proof Salaried	Latest payslip Bank statement Form 16 IT return copy
Income Proof Self Employed	IT return copy Bank statement Business proof

Frequently Asked Questions

The joining fee is ₹50,000 plus GST. This is a one-time charge at the time of card issuance. Since the card is available by invitation only, there are no joining fee waivers or promotional offers.

The annual fee is ₹50,000 plus GST, charged from the second year onwards. This fee may be waived based on your annual spending and overall banking relationship with Axis Bank, though specific waiver thresholds are at the bank's discretion.

No. The Axis Bank Reserve Credit Card is available by invitation only. You cannot apply through the Axis Bank website, app, or any branch. Axis Bank selects eligible customers based on their existing banking relationship and spending patterns.

Maintain a strong relationship with Axis Bank through high-value deposits, loans, and consistent spending on existing Axis Bank credit cards. Customers with Burgundy Private or Burgundy wealth banking accounts are more likely to receive an invitation. There is no guaranteed path to eligibility.

Yes. The card includes complimentary Priority Pass membership with unlimited international airport lounge visits and unlimited domestic airport lounge visits at select Indian airports. Both primary and add-on cardholders are eligible for lounge access.

The Reserve Card comes with unlimited Priority Pass lounge visits. There is no annual or quarterly cap on international lounge visits through Priority Pass. Domestic lounge visits are also unlimited at select airports across India.

Yes. Domestic airport lounge access is unlimited at select airports across India. There is no minimum spend requirement to activate this benefit. Both primary and add-on cardholders can use domestic lounges.

The card includes Club ITC Culinaire membership, Accorplus membership, and Club Marriott Asia Pacific membership. You also get 15% savings at Postcard Hotels. Oberoi hotel privileges were discontinued in October 2025.

Yes. Complimentary golf rounds are included at select courses across India. The exact number of rounds and participating courses may vary by period. Contact the Reserve Card concierge desk at 1800 103 4962 for current details.

Dining benefits include Club ITC Culinaire membership, complimentary EazyDiner Prime membership, and access to the Dining Delights programme with partner restaurants. Visa Dining Offers are also available for Reserve cardholders.

Yes. Complimentary Swiggy One membership is included with the Axis Bank Reserve Credit Card. This gives you free delivery, extra discounts, and priority service on Swiggy orders.

The card earns EDGE REWARD points on eligible transactions. The earn rate and point value vary based on spending category and redemption method. Travel redemptions through the Axis Bank rewards portal typically give the best value per point.

Yes. The Axis Bank Reserve Credit Card is a metal card with premium build quality. It is one of the few metal credit cards available in India, reflecting the card's ultra-premium positioning in the market.

Yes. A dedicated concierge desk is available 24/7 at 1800 103 4962. The concierge handles travel bookings, restaurant reservations, event tickets, and other lifestyle requests for Reserve cardholders.

International transactions attract a foreign currency markup of approximately 3.5%. This rate applies to all transactions in foreign currencies, including online purchases from international merchants.

Yes. Add-on or supplementary cards can be issued for family members. Add-on cardholders get access to the same lounge and lifestyle benefits as the primary cardholder. Contact Axis Bank for add-on card issuance details and any associated charges.

The card includes travel insurance coverage, personal accident cover, and lost card liability protection. Purchase protection is also available on eligible transactions. Check the card member agreement for specific coverage amounts and claim procedures.

Yes. A 1% fuel surcharge waiver applies on fuel transactions at petrol pumps across India. Standard terms regarding minimum and maximum transaction amounts apply. GST on fuel surcharge is not refundable.

Yes. Luxury airport transfers were discontinued in April 2024. Oberoi hotel privileges were removed in October 2025. Earlier changes in August 2020 removed the luxury dining experience, Tata CliQ voucher, and Club Vistara Gold membership. Swiggy One was added as a new benefit.

The monthly interest rate is approximately 3.6%, which translates to an annual percentage rate of about 52.86%. Interest is charged on the outstanding balance if you do not pay the total amount due by the payment due date.

Activate your Reserve Credit Card within 30 days of receiving it. You can activate through the Axis Bank mobile app, net banking, or by calling the number on the card. Failure to activate within 30 days will result in card closure per RBI guidelines.

The annual fee waiver is at Axis Bank's discretion and typically depends on your annual spending and banking relationship. There is no publicly stated spend threshold for a waiver. Contact Axis Bank or the Reserve concierge to inquire about fee waiver eligibility.

Since the card is invite-only, Axis Bank already has your KYC details on file. If additional documents are needed, standard ID proof (PAN, Aadhaar, passport), address proof, and income proof (salary slips or IT returns) may be requested.

Call the dedicated Reserve concierge desk at 1800 103 4962 (toll-free). This line operates 24/7 and handles travel, dining, lifestyle, and general card requests. For card complaints and feedback, call 1800 419 0065.

The value depends on how much you use the bundled benefits. If you fly frequently (using unlimited lounge access), play golf, stay at partner hotels, and dine out regularly, the benefits can exceed the ₹50,000 fee. For occasional users, the fee is difficult to justify compared to other super-premium cards.