Axis Bank
Axis Bank Reserve Credit Card
Data last verified: 24 October 2026
- Joining fee₹50,000 + GST
- Annual fee₹50,000 + GST
- Reward rate3% base, up to 6% on foreign spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹50,000 + GST
- Annual fee₹50,000 + GST
- Fee waiverOn ₹35 lakh spend a year
- Forex markup1.5%
- Interest (APR)3% a month, 36% a year
01Axis Bank Reserve Credit Card Rewards and Benefits
02Axis Bank Reserve Credit Card Annual Fee and Charges
- Joining fee
- ₹50,000 + GST
- Annual fee
- ₹50,000 + GST
- Spend-based waiver
- Annual fee waived on ₹35 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 1.5%
- Interest rate
- 3% a month (36% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on spend abroad or in a foreign currency, earning 6%₹300
- ₹15,000 on everything else, earning 3%₹450
- Back each month, ₹9,000 a year₹750
- Annual fee with 18% GST−₹59,000
- It costs you each year₹48,584
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Foreign spends: 6% back
- Spending ₹2,91,667 or more a month: the ₹59,000 fee is waived
- Frequent flyers: unlimited airport lounge visits
- Spending abroad: 1.5% markup, most cards add 3.5%
Skip it if…
- you spend less than ₹2,91,667 a month (₹35,00,000 a year, rent and wallet loads not counted): the ₹59,000 fee is then charged
- most of your spending is fuel, utility bills, insurance or wallet top-ups: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on foreign spends: the 6% rate applies only there, everything else earns 3%
- you sometimes pay only the minimum due: interest of 3% a month (36% a year) outweighs any reward
04How Axis Bank Reserve Credit Card earns Rewards
3% base, up to 6% on foreign spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 3% | No cap | The card's normal rate |
| Dining and food delivery | 3% | No cap | The card's normal rate |
| Groceries | 3% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 3% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | 3% | No cap | The card's normal rate |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | 3% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 6% | No cap | All merchants in the categoryTerms: 30 EDGE Reward Points per ₹200 on international spends, double the domestic rate, so ≈6% at the ₹0.40 transfer value (≈3% on the EDGE catalogue). The 2X rate runs up to your credit limit per calendar month; international spend beyond that earns 15 per ₹200. |
| Everything else | 3% | No cap | The card's normal rate |
Terms on the base rate. 15 EDGE Reward Points per ₹200, ≈3% at the ₹0.40 transfer value we price EDGE points at, ≈1.5% if redeemed on the EDGE catalogue at ₹0.20
Point value. 1 point is worth about ₹0.4 at the bank's stated value.
05Axis Bank Reserve Credit Card Lounge Access and Travel
Domestic lounge access is unlimited, international is unlimited, through Priority Pass with Priority Pass. Guests get 12 visits a year. Unlimited domestic and international airport lounge access for primary and add-on cardholders, plus 12 complimentary guest visits a year. From 28 Aug 2026 Priority Pass no longer opens Indian domestic lounges, show the card and boarding pass. Spending abroad carries a 1.5% forex markup; rewards on it: 6% back. See what it costs on your trip
Also on the card. concierge service, fuel surcharge waiver, golf privileges, hotel membership, airport lounge access, movie ticket offers.
- Concierge service: Dedicated relationship manager and 24x7 lifestyle concierge with curated travel, dining and spa privileges
- Fuel surcharge waiver: 1% fuel-surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle, note that fuel itself earns no EDGE Reward Points on this card
- Golf privileges: Up to 50 complimentary golf rounds a year at select courses in India and abroad
- Hotel membership: Complimentary Club ITC Culinaire, Accor Plus and Club Marriott Asia Pacific memberships, plus 15% savings at Postcard Hotels (Oberoi hotel offers were discontinued 1 October 2025)
- Movie ticket offers: Complimentary BookMyShow tickets, plus complimentary EazyDiner Prime and Swiggy One memberships and handpicked experiences through extraordinaryweekends.com
06Recent Changes
What Axis Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Nov 2026 | Reduced: Complimentary memberships renew only if you opt inSource: Axis Bank | Memberships renewed automatically each year | Renewed only with the cardholder's explicit consent |
| 22 Sept 2026 | Changed: Accor ALL returns as a transfer partner, in Group ASource: Axis Bank | Accor ALL unavailable since 2 April 2026 | Accor ALL back, in Group A |
| 22 Sept 2026 | Changed: Cathay Asia Miles, Lufthansa Miles & More and Hilton Honors addedSource: Axis Bank | None of the three available | Asia Miles in Group A; Miles & More and Hilton Honors in Group B |
| 22 Sept 2026 | Reduced: Club ITC removed as a transfer partnerSource: Axis Bank | Club ITC available | Club ITC removed |
| 22 Sept 2026 | Reduced: Flying Blue, Air India and Qantas moved into the smaller Group A transfer capSource: Axis Bank | Group B (the larger annual transfer allowance) | Group A (a quarter of the Group B allowance); ratios unchanged |
See this card's change history → · All card changes in November 2026 →
07Cards Similar to Axis Bank Reserve Credit Card
Axis Bank Reserve Credit Card is a international card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Axis Bank Reserve Credit Card |  IDFC FIRST Millennia Credit Card |  AU Traverse Credit Card |
|---|---|---|---|
| Joining fee | ₹50,000 + GST | Lifetime free | ₹4,999 + GST |
| Annual fee | ₹50,000 + GST | Lifetime free | ₹4,999 + GST |
| Rewards | 3% base, up to 6% on foreign spends | 0.38% base, up to 1.25% on dining | 0.5% base, up to 1% on foreign spends |
| Domestic lounge | Unlimited | Not included | 8 visits a year |
| Forex markup | 1.5% | 0% | 0.99% |
| Type | International | Dining | International |
08Explore More
Card facts last verified 24 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
What is the joining fee for the Axis Bank Reserve Credit Card?
The joining fee is ₹50,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Axis Bank Reserve Credit Card?
The annual fee is ₹50,000 + GST.
Does the Axis Bank Reserve Credit Card give airport lounge access?
Yes. Domestic lounge access is unlimited, international is unlimited, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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