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Side-by-Side Comparison|Updated March 2026

Kotak Infinite 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.

Kotak Mahindra Bank

Kotak Infinite Credit Card

8.2/10
Annual FeeFree
Base Rewards0.5599999999999999%
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

FeatureKotak Infinite Credit CardAxis Bank Reserve Credit Card
Annual FeeFree₹50,000
Joining FeeFree₹50,000
Fee Waiver SpendN/A₹35,00,000
Base Reward Rate0.5599999999999999%0.2%
Reward CurrencyReward PointsEDGE REWARD Points
NetworkVisaVisa
Editor Rating8.2/108.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Infinite Credit Card

  • 0% on Travel
  • 0% on Dining

Axis Bank Reserve Credit Card

No accelerated rewards listed

Pros & Cons

Kotak Infinite Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on cardholders
  • 2 complimentary golf rounds every month at premier courses in India
  • Monthly bonus of 800 reward points (worth ₹800) with no spend threshold
  • Low foreign currency markup fee of 2% for international transactions

Cons

  • Low base reward rate of 1 point per ₹125 spent (~0.56% value)
  • Invite-only eligibility restricted to Wealth Management clients
  • Discontinued for new sourcing; available only to existing bank relationships

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

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

Choose Kotak Infinite Credit Card if

Offers unlimited global lounge access and consistent golf benefits without an annual fee for wealth clients.

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: Kotak Infinite Credit Card or Axis Bank Reserve Credit Card?
Kotak Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Reserve Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Kotak Infinite Credit Card and Axis Bank Reserve Credit Card?
Kotak Infinite Credit Card has no annual fee, while Axis Bank Reserve Credit Card has an annual fee of ₹50,000. Axis Bank Reserve Credit Card offers a fee waiver on ₹35,00,000 annual spend.
Which card has better rewards: Kotak Infinite Credit Card or Axis Bank Reserve Credit Card?
Kotak Infinite Credit Card offers a base reward rate of 0.5599999999999999% with accelerated rewards on Travel and Dining. Axis Bank Reserve Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both Kotak Infinite Credit Card and Axis Bank Reserve Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Infinite Credit Card and Axis Bank Reserve Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Kotak Infinite Credit Card or Axis Bank Reserve Credit Card?
For beginners, Kotak Infinite Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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