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Side-by-Side Comparison|Updated March 2026

Axis Bank Easy Gold Credit Card vs Axis Bank Reserve Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Easy Gold Credit Card

5.5/10
Annual Fee₹100
Base Rewards0.2%
NetworkVisa
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Axis Bank

Axis Bank Reserve Credit Card

8.2/10
Annual Fee₹50,000
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Easy Gold Credit CardAxis Bank Reserve Credit Card
Annual Fee₹100₹50,000
Joining FeeFree₹50,000
Fee Waiver Spend₹50,000₹35,00,000
Base Reward Rate0.2%0.2%
Reward CurrencyEDGE Reward PointsEDGE REWARD Points
NetworkVisaVisa
Editor Rating5.5/108.2/10
Forex Markup3.5%3.5%

Pros & Cons

Axis Bank Easy Gold Credit Card

Pros

  • Guaranteed approval against a Fixed Deposit of ₹20,000 or more.
  • No income documentation or credit score check required for issuance.
  • Very low annual fee of ₹100, which is waived on annual spends of ₹50,000.
  • Earn EDGE Reward points on both domestic and international transactions.

Cons

  • Extremely low reward rate of 0.2% on domestic spends.
  • No premium benefits like airport lounge access or movie discounts.
  • Requires locking up liquidity in a Fixed Deposit to maintain the card.

Axis Bank Reserve Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on members with 12 guest visits.
  • Comprehensive luxury hotel memberships including Accor Plus, Club Marriott, and ITC Culinaire.
  • Low foreign currency markup fee of 1.5%, ideal for high international spenders.
  • 8 complimentary VIP Airport Concierge services for seamless check-in and immigration.

Cons

  • High annual fee of ₹50,000 with no renewal bonus points (discontinued April 2024).
  • Steep annual fee waiver threshold of ₹35 Lakhs.
  • Significant reward exclusions including fuel, gold, insurance, and utilities.

Our Verdict

Axis Bank Reserve Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Easy Gold Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Easy Gold Credit Card if

Ideal for individuals with no credit history or a low score looking to build their CIBIL profile.

Choose Axis Bank Reserve Credit Card if

Offers unparalleled airport services, unlimited lounge access for family, and premium hotel memberships.

Frequently Asked Questions

Which is better: Axis Bank Easy Gold Credit Card or Axis Bank Reserve Credit Card?
Axis Bank Reserve Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Easy Gold Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Easy Gold Credit Card and Axis Bank Reserve Credit Card?
Axis Bank Easy Gold Credit Card has an annual fee of ₹100, while Axis Bank Reserve Credit Card has an annual fee of ₹50,000. Axis Bank Easy Gold Credit Card offers a fee waiver on ₹50,000 annual spend. Axis Bank Reserve Credit Card offers a fee waiver on ₹35,00,000 annual spend.
Which card has better rewards: Axis Bank Easy Gold Credit Card or Axis Bank Reserve Credit Card?
Axis Bank Easy Gold Credit Card offers a base reward rate of 0.2%. Axis Bank Reserve Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Easy Gold Credit Card and Axis Bank Reserve Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Easy Gold Credit Card and Axis Bank Reserve Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Easy Gold Credit Card or Axis Bank Reserve Credit Card?
For beginners, Axis Bank Easy Gold Credit Card may be more approachable with a lower annual fee of ₹100. However, evaluate based on your expected spending pattern rather than fee alone.

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