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Axis Bank Reserve Credit Card

(4.7)
Premium Best For: Lifestyle
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Indulge in the ultimate luxury experience with the Axis Reserve Credit Card! This card takes your travel game to the next level by providing VIP assistance and services at airports, free luxury pickup and drops every year, unlimited international and domestic lounge visits, free golf rounds, Accorplus and Club Marriott memberships, free tickets on BookMyShow, and much more. Plus, with a reward rate of 1.5% to 3% on every spending, this card is definitely worth the joining and annual fee of ₹50,000. Discover more benefits that it has in store for you! 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

50,000 Edge Reward Points on card activation and when the card membership is renewed every year.

Travel Benefit
  • 8 complimentary VIP Assistance Services for a smooth and hassle-free experience. The services include assistance across airport processes, such as check-in, security check, immigration processes and porter services.
  • 4 complimentary luxury airport pick-ups/drops every year.

Note:
• 
Benefit is capped to 4 complimentary airport transfers per primary cardholder.
• Bookings should be made at least 48 hours before the service time.
• Valid for domestic and international departures/arrivals.

Lounge Access
  • 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.
  • Unlimited complimentary domestic lounge visits for both the primary and add-on cardholders. 
Dining Benefit

Complimentary EazyDiner Prime membership.Savings of upto 25% across premium restaurants.

Note: Benefit is provided only to primary cardholders of Axis Bank Reserve credit card, and the customer has to activate the membership within 6 months of receiving the code.

Entertainment Benefit
  • Buy 1 movie ticket and get upto ₹500 off on the second ticket for a maximum of 5 times a month.
  • Buy 1 non-movie ticket and get upto1000 off on the second ticket for a maximum of 5 times a month.
  • 50 Complimentary golf rounds every year across the best golf courses in India.
Reward Points
  • 15 EDGE reward points for every ₹200 spent.
  • 2X rewards on international spends.
  • Reward Rate: 1.5% to 3%.
Insurance Benefit
  • Counterfeit/lost card liability upto credit limit.
  • Purchase protection: ₹2 Lakhs.
  • Loss/Delay in baggage & Personal Documents: 500 USD.
  • Credit shield: ₹5 Lakhs.
Fuel Surcharge
  • Fuel surcharge waiver of 1% for transactions between ₹400 to ₹4000 (Capped at ₹400 per month).
Other Benefit

Club ITC Culinaire Membership

  • Complimentary third-night stay.
  • 50% savings on published room tariff for suites on weekends.
  • 25% Green Points on Food & Beverage spends.
  • Bouquet of 10 certificates and more.

Accor plus membership

  • 1 night complimentary stay across Asia Pacific region.
  • Complimentary room upgrade.
  • Upto 50% off on dining.
  • Complimentary lunch buffet for 2 across Accor hotels in India.

Handcrafted Club Marriott Asia Pacific membership

  • 20% off on food and beverage.
  • 20% off on the best available rates at participating Marriott hotels in India and on Weekend rates in Asia Pacific.

Exclusive offers at Oberoi hotels and resorts

  • 15% savings on Room Only Rate and Room with Breakfast Rate or 3rd Night complimentary, 50% savings on Best Available Rates on suites.

15% savings at Postcard hotels

  • 15% off on best available room rate.
  • Anytime check in and check out.
  • A complimentary lifestyle consultation (applicable at our hotels in Goa).

 

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹ 50,000

Annual Fee

₹ 50,000

Annual Percentage Rate

42.58%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

Nil

Cash Advance Limit

NA

Card Replacement Fee

Nil

Foreign Transaction Fee

1.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹ 0.20
Late Payment Charges

Balance below ₹500

₹ 0

Balance from ₹501 to ₹5000

₹ 500

Balance from ₹5001 to ₹10000

₹ 750

Balance more than ₹10000

₹ 1200
Pros

Aspects that make this credit card amazing.

  1. No cash withdrawal charges.
  2. Low Foreign Transaction charges when compared to other cards.
  3. It offers 24x7 card assistance.
  4. It offers complimentary luxury airport transfers.
  5. It offers unlimited domestic lounge visits.
Cons

Aspects this credit card lacks.

  1. No, rent and wallet spends will not count as eligible spends for annual fee waiver calculation.
  2. Joining and annual fee is way too high.
  3. No milestone benefits.

Axis Bank Reserve Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3.2)

Rewards

(4)

Customer Service

(4)

Axis Bank Reserve Credit Card Review

The Axis Reserve card is a versatile and premium credit card that caters to a wide range of spending categories, from basic to luxurious. You can avail of numerous benefits such as free lounge visits, mile transfers, luxury airport transfers, free movie tickets, dining benefits, and complimentary memberships to premium hotel loyalty programs.
Furthermore, Axis Bank also offers exceptional health and wellness benefits with its premium cards, including the Axis Reserve. Although the reward rate on the card may not be the most impressive, it's important to consider the numerous benefits that the card provides as a whole.

Cards similar to Axis Bank Reserve Credit Card:
1. HDFC Diners Club Metal Edition Credit Card
2. Axis Magnus Credit Card
3. IndusInd Bank Legend Credit Card

Overview

Best For

Luxurious living and travelling

Joining Fee

₹50,000 plus applicable taxes 

Annual Fee ₹50,000 plus taxes. (waived off on spending Rs.25 lakhs in the previous year)
Welcome Bonus  50,000 Edge Reward Points

Who should apply for an Axis Bank Reserve Credit Card?

The Axis Bank Reserve Credit Card is designed for high-net-worth individuals who have a significant income and are looking for exclusive services and benefits. This card is suitable for individuals who frequently travel, dine out, and indulge in luxury spending, as the card offers accelerated reward points on these categories, which can be redeemed for a variety of rewards.

However, the Axis Bank Reserve Credit Card comes with a high joining and annual fee, so it is important to consider your spending habits and budget before applying for the card. If you can afford the fees and are looking for premium services and benefits, then this card may be the right choice for you.

Reward Points

  • 50,000 reward points when you activate your card and renew it.
  • Earn 15 edge reward points for every ₹200 spent using the card.
  • Earn double rewards (2X) on all your international spending.

How to apply for an Axis Bank Reserve Credit Card?

Step 1: Go to the official website of Axis Bank and click on the 'Explore Products' tab.
Step 2: Select the 'Cards' option and choose 'Credit Cards'.
Step 3: A new page will open, displaying all the available credit cards. From the premium cards section, select 'Axis Bank Reserve Credit Card'.
Step 4: On the index page that appears, click on the 'Apply Now' tab.
Step 5: You will be redirected to a new window named 'Call me'.Fill in your personal details like name, mobile number, professional details, monthly income, and pincode in the provided form.
Step 6: Complete the online verification process.
Step 7: An Axis Bank representative will contact you via your mobile number to proceed with the application process.

Axis Bank Reserve Credit Card Eligibility

Age: The primary cardholder must be between 18 and 70 years of age.
Employment: The applicant should be a salaried or self-employed individual with a regular source of income.
Nationality: The applicant must be a resident of India.

Documents Required

  • Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address:  Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
Axis Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

Axis Bank

Axis Bank Credit Card Customer Care Number:

1860 419 5555 / 1860 500 5555.

Axis Bank Card Offers:

View Offers

Total Cards:

1,47,92,226
Axis Bank Credit Card News
31 May 2024, Friday
1. Migration of Citi Credit Cards to Axis Credit Cards- All You Need to Know.

As of 1 March 2023, Axis Bank has acquired all consumer banking services from Citibank, including credit cards. The full migration of Citi customers to Axis Bank is anticipated to be completed by 9 June 2024. Existing Citi cards will be substituted with new credit cards from Axis Bank. Below is a list of some of the rebranded cards:

  1. Citi Rewards will become the Axis Rewards Credit Card.

  2. IndianOil Citi Card will become the IndianOil Premium Axis Bank Credit Card.

  3. Citi PremierMiles will become the Axis Bank Horizon Credit Card.

Features of New Axis Bank Credit Cards

1. Axis Rewards Credit Card:

  • Joining/Annual Fee: Rs. 1,000 + GST
  • Welcome Benefits: 5,000 EDGE REWARDS on Rs 1,000+ spend within the first 30 days.
  • Earn up to 20 EDGE Reward Points for every Rs 125 spent.
  • 2 complimentary domestic lounge access.

2. IndianOil Premium Axis Bank Credit Card:

  • Joining/Annual Fee: Rs 1,000 + GST
  • Welcome Benefits: 500 EDGE Miles on the first transaction within 30 days.
  • Earn EDGE Miles for fuel, groceries, and other spends, redeemable at IOCL petrol pumps.
  • Quarterly complimentary domestic lounge access, Zomato discounts, and a fuel surcharge waiver.

3. Axis Bank Horizon Credit Card:

  • Joining/Annual Fee: Rs 3,000 + GST
  • Welcome Benefits: 5,000 EDGE Miles on Rs 1,000+ spent within the first 30 days.
  • Earn EDGE Miles for travel and other categories.
  • International and domestic lounge access, fuel surcharge waiver, EazyDiner discounts.

Post Migration

  • Existing rewards/miles will be converted to Axis Bank EDGE Rewards and/or EDGE Miles with unchanged monetary value.
  • Card number, CVV, annual fees, credit limit, and other details will remain the same.
  • Mandates and saved card information on merchant sites will not change.
  • EMIs and other obligations will be seamlessly transferred to the new Axis card.
13 Mar 2024, Wednesday
2. Axis Bank suspends reward redemptions for credit cards used for Business Spends

Axis Bank has suspended reward redemptions for some credit cardholders and is requesting invoices to verify travel spending. The bank believes that some cardholders are misusing reward points by using their cards for business expenses, which is against the terms of the cardholder agreement. Axis Bank says that this is a routine exercise to monitor suspicious spending, but some genuine cardholders have also been flagged. Experts recommend using separate business credit cards to avoid such problems.

29 Nov 2023, Wednesday
3. Axis Bank has announced a significant devaluation of its Vistara credit cards, effective from 3 January, 2024.

Axis Bank has announced a significant devaluation of its Vistara credit cards, effective from 3 January 2024. The main changes include:

  • No points for government and utility spending: Cardholders will no longer earn any Vistara Points on transactions made towards government dues, utility bills, and insurance premiums. These were previously high-yielding categories that contributed significantly to point accumulation.
  • Loss of monthly milestone benefit: The monthly milestone benefit of 25,000 Vistara Points will also be discontinued. This was a valuable benefit for cardholders who consistently spent a certain amount each month.
10 Oct 2023, Tuesday
4. Axis Bank and Fibe have partnered to launch India's first numberless credit card.

Axis Bank, has teamed up with Fibe (formerly EarlySalary) to introduce the country's first-ever numberless credit card tailored for the tech-savvy Generation Z demographic.

This innovative credit card offers heightened security by eliminating the conventional card number, expiry date, and CVV code typically printed on physical cards. This forward-thinking design is expected to reduce the risk of identity theft or unauthorized access to cardholders' information, ensuring the utmost in security and privacy. The card will be accessible to Fibe's extensive customer base, which exceeds 2.1 million individuals.

13 May 2023, Saturday
5. Axis Bank links Rupay credit cards with UPI.

Axis Bank has enabled linkage of RuPay Credit Cards with Unified Payments Interface (UPI). This means that Axis Bank customers can now use their RuPay Credit Cards to make payments through UPI. UPI is a real-time payment system developed by National Payments Corporation of India (NPCI). It allows users to make instant payments to any bank account in India with just a few taps on their phone.

11 Apr 2023, Tuesday
6. Axis Bank Credit Cards adds six new transfer partners to EDGE Rewards

Taking the number up to 19, Axis bank added 6 new transfer partners to its existing list. These include hotel networks Accor ALL & Wyndham Rewards, Star Alliance’s Air Canada’s Aeroplan & Thai Airways Royal Orchid Plus as well as Oneworld Alliance’s Japan Airlines JAL Mileage Bank & Qantas Frequent Flyer.

These 19 transfer partners are cumulatively a part of Axis bank’s reward program known as the EDGE Rewards.

Axis Bank Reserve Customer Reviews

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Frequently Asked Questions

The Axis Reserve Credit Card is a premium credit card with benefits such as complimentary lounge access, dining privileges, and personalized services.

Yes, the Axis Reserve Credit Card offers travel benefits such as complimentary airport concierge services and exclusive deals with luxury hotels and resorts.
 

You can use your Axis Reserve Credit Card at various merchants, both online and offline, to make purchases and earn reward points. Some of the popular services that you can avail of with this card include airport lounge access, complimentary golf rounds, concierge services, and dining benefits.
 

The rate of interest on cash advances with an Axis Reserve Credit Card is 3.0% per month.
 

The annual fee for the Axis Reserve Credit Card is Rs.50,000.

To obtain an Axis Reserve Credit Card, visit the official website, select the card and fill in personal details. Complete the online verification process and an Axis representative will contact you to proceed. Alternatively, visit a branch and submit the required documents. 

The Axis Reserve Credit Card offers benefits such as welcome, entertainment, insurance, dining, reward, concierge airport service, lounge access, golf, weekend, and hospitality membership perks.