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Axis Reserve Credit Card: Fees, Rewards & Benefits

Rewards card

Vyaya Team · Aug 2026
5 min read
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Value Score
9.6 / 10
Annual Fee
₹50,000
Best For
Ultra-high-net-worth traveller, Heavy luxury spender
Network
Visa
Expert Verdict

An ultra-premium card stacked with unlimited lounges, 50 golf rounds, chauffeur transfers and luxury hotel memberships, earning 15-30 points per Rs.200. The Rs.50,000 fee and Rs.35 lakh waiver mean it only makes sense for genuine high spenders who will use the lifestyle perks.

AXIS BANKVisa
Reserve Credit Card
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REWARD SUMMARY
1.5% Base Rewards
Rewards card
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The Bottom Line

The Reserve Credit Card is built for ultra-high-net-worth traveller and heavy luxury spender. With a ₹50,000 annual fee that is waived on ₹35,00,000 yearly spend, it offers 3% rewards on international and 15,000 bonus points. It makes the most sense if your spending matches ultra-high-net-worth traveller and heavy luxury spender.

It earns a base reward rate of 1.5% and stacks best when your spending lines up with Ultra-high-net-worth traveller, Heavy luxury spender. The renewal fee gets easier to justify once you can hit ₹35,00,000 in yearly spend.

What we like
+Top-tier base earn of 15 EDGE Reward Points per Rs.200, doubling to 30 points per Rs.200 (2x) on other categories with no monthly cap, worth up to 0.8/point on redemption.
+Unlimited domestic and international lounge access (Priority Pass) including 12 international and 12 domestic guest visits a year, plus 4 chauffeur airport transfers and 8 VIP airport assists.
+Rich memberships bundle: Club Marriott (renewable at Rs.25 lakh spend), ITC Culinaire, Accorplus (with a complimentary night stay) and EazyDiner Prime with 25-50% off.
+Heavyweight protection with Rs.4.5 crore air accident cover, Rs.5 lakh credit shield, Rs.2 lakh purchase protection and 50 complimentary golf rounds a year.
What we don't
–Extremely high Rs.50,000 joining and Rs.50,000 annual fee, waived only on a steep Rs.35 lakh annual spend.
–Base points are worth only 0.2 each, so realising value requires redeeming near the 0.8/point ceiling.
–3.5% foreign currency markup is steep for an ultra-premium travel card.
–No reward points on fuel, utilities, insurance, rent, education, government, wallet loads or foreign currency purchases.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
Ultra-high-net-worth traveller

Big spenders who travel constantly and will use unlimited lounges, chauffeur transfers, golf and the luxury hotel memberships to justify the Rs.50,000 fee.

+
Heavy luxury spender

Those spending Rs.35 lakh+ a year who can waive the fee while banking 15-30 points per Rs.200.

Probably not for

Skip
–
Moderate spender

Anyone unable to extract Rs.50,000+ of value from perks or hit the Rs.35 lakh waiver will find the fee unjustifiable.

–
Frequent overseas spender

The 3.5% forex markup undercuts the travel positioning for those who spend heavily abroad.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

Dining
0₹5,000Max ₹50k
Est. Returns
Travel
0₹10,000Max ₹1L
Est. Returns
Online & Shopping
0₹8,000Max ₹80k
Est. Returns
Groceries
0₹6,000Max ₹40k
Est. Returns
Annual rewards₹0
Annual fee-₹50,000
Net Value (Year 1)₹-50,000
Net Value (Year 2+)₹-50,000
Progress to fee waiver0%

Spend ₹35,00,000 more to waive annual fee

Sign in for personalized estimates based on your actual spending

Reward Rates

Reserve Credit Card offers 1.5% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

₹
International
3%

Welcome Offer

15,000 EDGE Reward Points

15,000 EDGE Reward Points credited on card activation. No specific minimum-spend condition is published for this welcome benefit (unlike spend-linked welcome offers on some other cards).

Milestone Benefits

Spend ₹35,00,000

The Rs. 50,000 annual/renewal fee is waived if cumulative eligible spends in the preceding 12 months reach Rs. 35 lakh (spend calculation excludes Fuel, Insurance, Gold/Jewellery, Wallet, Government, Utility & Telecom, and Rent beyond Rs. 1,00,000/month).

Fees & Charges

Joining fee₹50,000
Annual fee₹50,000
Fee waiverSpend > ₹35,00,000

Eligibility

  • Min Income: ₹36 Lakhs
  • Min Credit Score: 750
  • Invitation-only super-premium card; issued to select Axis Bank customers meeting internal criteria; age 18-70.

Exclusions & Terms

Forex markup

  • Foreign currency markup

Cash Advances

  • Cash withdrawals/advances do not earn EDGE Reward Points.

Repayments

  • Loan/EMI repayment transactions routed through the card do not earn EDGE Reward Points.

Frequently Asked Questions

2 data-backed answers from our card database

What is the annual fee of the Axis Reserve?+

The Axis Reserve has an annual fee of ₹50,000, waived on annual spends of ₹3,500,000.

What rewards does the Axis Reserve offer?+

It earns EDGE REWARDS Points, with accelerated earning on Rewards.

Ready to apply?

₹50,000 annual fee. Apply on the Axis Bank website.

Apply on Axis Bank →

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Already have this card?See the best way to redeem Reserve Credit Card points — channel by channel, valued in ₹.

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