
Joining Fee
₹10,000
Annual Fee
Rs. 5000 (Reversed on annual spends of Rs. 5 Lakhs)
Add-on Card Fee
₹2,500 per supplementary card
Axis Bank Reserve Credit Card
Rewards Structure
Base Reward Rate
3% on spends
Point Value
1 Point = ₹0.25
Earning Cap
₹1,50,000 /monthly
Points Validity
36 Months
Pros
- Unlimited Priority Pass lounge visits
- Unlimited domestic lounge visits
- Complimentary golf rounds
- Multiple premium hotel memberships (ITC, Accor, Marriott)
- EazyDiner Prime membership
- Airport concierge services
- Complimentary Swiggy One Membership
Cons
- Luxury Airport Transfers discontinued from April 2024
- Oberoi hotels and resorts offers discontinued from October 2025
- Several legacy benefits discontinued for older cards post Aug 2020
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
Luxury Airport Transfers discontinued w.e.f 20th April 2024
Oberoi hotels and resorts offers discontinued w.e.f 1st October 2025
Card must be activated within first 30 days or it will be closed per RBI guidelines
Terms and Conditions updated multiple times (Sep 2023, April 2024, June 2025)
Key Benefits & Features
Accorplus membership
Club Marriott Asia Pacific membership
15% savings at Postcard Hotel
Complimentary Swiggy One Membership
Eligibility Criteria
Min. Annual Income
₹10.0 Lakhs
Age Requirement
21+ Years
Occupation
Required Documents
IDENTITY Proof
ADDRESS Proof
INCOME Proof
Notable Exclusions
*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
About Axis Bank Reserve Credit Card
The Axis Bank Reserve Credit Card is a premium offering designed to deliver best-in-class privileges and luxury experiences at every turn. Positioned as a card where "luxury always leads the way," it is crafted for individuals who seek elevated travel, dining, and lifestyle indulgences as part of their everyday lives. On the travel front, cardholders enjoy complimentary Priority Pass membership with unlimited international lounge visits, unlimited domestic lounge access, and complimentary airport concierge services. For those who appreciate the fairway, the card offers complimentary golf rounds, making it a natural fit for golf enthusiasts. Lifestyle benefits include Club ITC Culinaire membership, Accorplus membership, Club Marriott Asia Pacific membership, and 15% savings at Postcard Hotels, ensuring world-class hospitality experiences are always within reach. Dining and entertainment privileges are equally impressive, with complimentary EazyDiner Prime membership, complimentary tickets through BookMyShow, a complimentary Swiggy One membership, and access to handpicked experiences through extraordinaryweekends.com. The card also extends rewards programs, financial benefits, and insurance benefits, rounding out a comprehensive suite of offerings. Backed by the Visa network and supported by a dedicated concierge desk, the Axis Bank Reserve Credit Card is truly built for those who expect nothing but the extraordinary.
Our Verdict
Ultra-premium card with unlimited lounge access, golf, concierge & luxury hotel memberships.
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