MyFinCards
Axis Bank Reserve Credit Card

Joining Fee

₹10,000

Annual Fee

Rs. 5000 (Reversed on annual spends of Rs. 5 Lakhs)

0
Axis Bank
Travel
Lifestyle
Rewards
Best For: Frequent international travelers, Luxury lifestyle seekers, Golf enthusiasts, Fine dining enthusiasts

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

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

ADDRESS Proof

Electricity Bill
Driving License

INCOME Proof

Salary Slip
Form 16

Notable Exclusions

Complimentary Luxury Airport Transfers discontinuedOffers on Oberoi hotels and resorts discontinued

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

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.

Expert Review

Our Verdict

Ultra-premium card with unlimited lounge access, golf, concierge & luxury hotel memberships.

Frequently Asked QuestionsAbout Axis Bank Reserve Credit Card

BENEFITSWhat lounge access benefits does the Axis Bank Reserve Credit Card offer?
The Axis Bank Reserve Credit Card offers complimentary Priority Pass membership with unlimited international lounge visits, as well as unlimited domestic lounge visits across India. This ensures elevated levels of service and comfort exclusively reserved for cardholders, making every travel experience seamless and luxurious.
BENEFITSDoes the Axis Bank Reserve Credit Card offer airport concierge services?
Yes, the Axis Bank Reserve Credit Card provides complimentary airport concierge services to its cardholders. However, please note that the Complimentary Luxury Airport Transfers benefit has been discontinued with effect from 20th April 2024. You can reach the concierge desk at 1800 103 4962 for assistance.
BENEFITSWhat hotel membership benefits are included with the Reserve Credit Card?
The Axis Bank Reserve Credit Card comes with multiple premium hotel memberships, including Club ITC Culinaire membership, Accorplus membership, and Club Marriott Asia Pacific membership. Additionally, cardholders enjoy 15% savings at Postcard Hotel. Please note that offers on Oberoi Hotels and Resorts have been discontinued with effect from 1st October 2025.
BENEFITSWhat golf benefits does the Axis Bank Reserve Credit Card provide?
The Axis Bank Reserve Credit Card offers complimentary golf rounds for its cardholders. This benefit allows you to tee off in style at select golf courses. Note that for cards issued before 10th July 2020, golf benefits were revised to 50 rounds per year with effect from 31st August 2020.
BENEFITSWhat dining and entertainment benefits come with the Reserve Credit Card?
The Axis Bank Reserve Credit Card includes a complimentary EazyDiner Prime membership, offering premium dining privileges. Cardholders also enjoy complimentary tickets on BookMyShow and access to handpicked experiences at extraordinaryweekends.com. These benefits are designed to provide an elevated lifestyle experience beyond just travel.
BENEFITSDoes the Axis Bank Reserve Credit Card offer a Swiggy One Membership?
Yes, the Axis Bank Reserve Credit Card offers a complimentary Swiggy One Membership to its cardholders. This membership provides exclusive benefits on food delivery orders through Swiggy. For detailed terms and conditions related to this benefit, cardholders can refer to the official Axis Bank communication on the Swiggy One Membership offer.
OTHERWhat benefits were discontinued for Axis Bank Reserve Credit Cards issued before 10th July 2020?
For Reserve Credit Cards issued before 10th July 2020, the following benefits were discontinued with effect from 31st August 2020: luxury dining experience upon card issuance, annual benefit of Tata CliQ vouchers worth ₹10,000, annual benefit of Club Vistara Gold membership, 50% cashback on movies, and golf benefits were revised down to 50 rounds per year.
USAGEHow do I activate my Axis Bank Reserve Credit Card?
It is important to activate your new Axis Bank Reserve Credit Card within the first 30 days of receiving it. Failure to activate the card within this period will result in card closure as per RBI guidelines. For activation assistance, you can contact Axis Bank Customer Care at 1800 209 5577 / 1800 103 5577 (toll-free) or visit your nearest Axis Bank branch.
OTHERHow can I contact Axis Bank for Reserve Credit Card queries or complaints?
For card-related queries, complaints, and feedback, you can call 1800 419 0065 or write through http://www.axisbank.com/support. For concierge desk assistance, call 1800 103 4962. You can also reach Axis Bank Customer Care at 1800 209 5577 / 1800 103 5577 (toll-free) or WhatsApp 'Hi' to 7036165000 for WhatsApp Banking support.
FEESWhat is the joining fee and annual fee for the Axis Bank Reserve Credit Card?
The Axis Bank Reserve Credit Card is a super-premium card. The exact joining fee and annual fee details are not publicly listed on the card page. Since this is an invite-only or relationship-based card, fee structures are typically communicated directly by the bank. We recommend contacting Axis Bank Customer Care at 1800 209 5577 or visiting your nearest branch for the most up-to-date fee information.
ELIGIBILITYWhat are the eligibility requirements for the Axis Bank Reserve Credit Card?
The Axis Bank Reserve Credit Card is a super-premium, invite-only card typically offered to high-net-worth individuals with a strong banking relationship with Axis Bank. Specific eligibility criteria such as minimum age and income thresholds are not publicly disclosed. For eligibility queries, it is best to contact Axis Bank directly at 1800 209 5577 or speak with your Axis Bank relationship manager.
INTERNATIONALDoes the Axis Bank Reserve Credit Card charge a foreign transaction or forex markup fee?
The Axis Bank Reserve Credit Card is a premium travel-focused card on the Visa network. As a top-tier card, it is designed for international usage, and forex markup details are typically communicated at the time of card issuance. For the most accurate and current forex markup fee applicable to your card, please contact Axis Bank Customer Care at 1800 209 5577 or refer to the card's most important terms and conditions document.
APPLICATIONHow do I apply for the Axis Bank Reserve Credit Card?
The Axis Bank Reserve Credit Card is a super-premium card and is typically offered by invitation or through an Axis Bank relationship manager to high-net-worth customers. You can express your interest by contacting Axis Bank Customer Care at 1800 209 5577 / 1800 103 5577 or visiting your nearest Axis Bank branch. Having an existing relationship with Axis Bank, such as a savings or wealth management account, may improve your chances of eligibility.
DOCUMENTSWhat documents are typically required to apply for the Axis Bank Reserve Credit Card?
While the official page does not list specific documents, standard documents required for a premium credit card application in India typically include: a valid photo ID proof (Aadhaar, Passport, or PAN card), address proof, recent income tax returns or salary slips, and bank statements. Since this is a super-premium card, additional documentation may be required. Contact Axis Bank at 1800 209 5577 for precise requirements.
CANCELLATIONHow can I cancel or close my Axis Bank Reserve Credit Card?
To cancel or close your Axis Bank Reserve Credit Card, you can contact Axis Bank Customer Care at 1800 209 5577 / 1800 103 5577 (toll-free) or 1860 419 5555 (charges applicable). You can also write to Axis Bank through their official support portal at http://www.axisbank.com/support or visit your nearest Axis Bank branch. Ensure all outstanding dues are cleared before initiating the cancellation process.

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