Axis Bank Reserve Credit Card
Experience the extraordinary with the most exclusive card in the country.
Annual Fee
₹50,000
Base Rewards
1.5%
Forex Fee
3.5%
Expert Verdict
The Axis Bank Reserve is a top-tier luxury card that excels in travel and lifestyle benefits. While the fee is steep, the inclusion of unlimited lounge access for add-ons and premium hotel memberships provides significant value for UHNIs.
Quick Match
Is this card right for you?
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Your Estimated Value
Year 1
₹31,000
Includes ₹10,000 bonus
Year 2+
₹41,000
Why get this card
Unlimited domestic and international lounge access for both primary and add-on members with 12 guest visits per year.
Comprehensive luxury memberships including Accor Plus, Club Marriott, and ITC Culinaire.
8 complimentary VIP Airport Assistance (Meet & Greet) services and luxury airport transfers.
Watch out for
Extremely high annual fee of ₹50,000 + GST which is not waived for most users.
Recent devaluation in the EDGE Reward points transfer ratio to airline and hotel partners.
High eligibility criteria making it accessible only to ultra-high-net-worth individuals.
Who is this card for?
Best for
ultra high spender
Individuals who spend heavily on luxury travel, fine dining, and international transactions.
Min: ₹3,00,000/mo
Skip if you're
value seeker
Users looking for high cashback or simple reward structures without high maintenance fees.
Base Earning
15 EDGE Reward Points
per ₹200 spent
1.5%
effective rate
Point value: ₹0.20/point
Bonus Categories
TRAVEL
2×
3% return
Welcome Offer
50,000 EDGE Reward points on card activation and payment of joining fee.
50,000
points
₹10,000
value
within 30 days
Milestones
Spend ₹35.0L
Annual fee waiver on spending ₹35 Lakhs in a card anniversary year.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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