Axis Bank Reserve Credit Card

Joining Fee

₹10,000

Annual Fee

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

0

Add-on Card Fee

₹2,500 per supplementary card

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.

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.

Expert Review

Our Verdict

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

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