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Side-by-Side Comparison|Updated March 2026

Axis Bank Platinum 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 Platinum Credit Card

6/10
Annual Fee₹500
Base Rewards0.6000000000000001%
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 Platinum Credit CardAxis Bank Reserve Credit Card
Annual Fee₹500₹50,000
Joining Fee₹500₹50,000
Fee Waiver Spend₹1,00,000₹35,00,000
Base Reward Rate0.6000000000000001%0.2%
Reward CurrencyEDGE REWARD PointsEDGE REWARD Points
NetworkVisaVisa
Editor Rating6/108.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Platinum Credit Card

  • 0% on International Spends
  • 0% on Birthday Month

Axis Bank Reserve Credit Card

No accelerated rewards listed

Pros & Cons

Axis Bank Platinum Credit Card

Pros

  • 25% cashback on movie tickets up to ₹1,000 per calendar year.
  • Earn 6 EDGE REWARD points for every ₹200 spent domestically.
  • 2X reward points on all transactions during your birthday month.
  • 15% discount at over 1,500 partner restaurants via Dining Delights.

Cons

  • No complimentary airport lounge access.
  • Low reward redemption value of approximately 0.6% effective return.
  • High interest rate (APR) compared to mid-tier cards.

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 Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Platinum Credit Card if

Low entry barrier and simple reward structure for basic spending.

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 Platinum 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 Platinum 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 Platinum Credit Card and Axis Bank Reserve Credit Card?
Axis Bank Platinum Credit Card has an annual fee of ₹500, while Axis Bank Reserve Credit Card has an annual fee of ₹50,000. Axis Bank Platinum Credit Card offers a fee waiver on ₹1,00,000 annual spend. Axis Bank Reserve Credit Card offers a fee waiver on ₹35,00,000 annual spend.
Which card has better rewards: Axis Bank Platinum Credit Card or Axis Bank Reserve Credit Card?
Axis Bank Platinum Credit Card offers a base reward rate of 0.6000000000000001% with accelerated rewards on International Spends and Birthday Month. 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 Platinum Credit Card and Axis Bank Reserve Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Platinum 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 Platinum Credit Card or Axis Bank Reserve Credit Card?
For beginners, Axis Bank Platinum Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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