Travel on Points

Axis Bank Reserve Credit Card

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  • Joining fee

    ₹50,000 + GST

  • Annual fee

    ₹50,000 + GST

  • Best suited for

    Movies, Travel, Dining, Shopping

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    15 EDGE Points/₹200 Spent with the Card, 30 EDGE Points on International Spends

  • Welcome benefits

    15,000 EDGE Reward Points on Card Activation

  • Reward redemption

    Transfer to Partner Airlines and Hotel Loyalty Programs

Benefits

  • Movie & dining

    Complimentary Eazydiner Prime membership offering 25% off at various restaurants, 20% off at participating restaurants with the Dining Delights program, Buy One Get One offer on BookMyShow where you get a maximum of Rs. 500 off on the second ticket, 5 times a month.

  • Travel

    Global travel and medical assistance on international trips

  • Domestic lounge

    Unlimited domestic airport lounge access for both primary and add-on card holders

  • International lounge

    Unlimited international airport lounge access every year with Priority Pass membership.

  • Golf

    50 complimentary rounds of golf every year at country’s premium golf courses

  • Insurance

    Comprehensive insurance cover including purchase protection up to Rs. 2 Lakhs, 500 USD cover for loss/delay in baggage, and a Rs. 5 Lakhs credit shield

Fees & charges

  • Spend-based waiver

    Renewal fee waived off on a minimum expenditure of Rs. 35 lacs in the preceding 12 months

  • Rewards redemption fee

    Nil

  • Foreign currency markup

    1.5% of the transaction amount

  • Interest rates

    3% per month (or 42.58% annually)

  • Fuel surcharge waiver

    1% fuel surcharge waived off at all filling stations across India for transactions between Rs. 400 and Rs. 4,000 (max waiver capped at Rs. 400 per month)

  • Cash advance charges

    Nil

Product highlights

  • 15,000 bonus Edge Reward Points as a welcome benefit.
  • 15 Edge Reward Points per ₹200 spent with the card.
  • 2X Reward Points on all international spends.
  • Lower mark-up fee of 1.5% of the transaction amount applicable on all foreign currency transactions.
  • Unlimited domestic airport lounge access and international airport lounge access for both primary and add-on cardholders with complimentary Priority Pass membership, with 12 complimentary visits in a year for accompanying guests.
  • Complimentary Club ITC Culinaire membership with multiple benefits at ITC hotels.
  • Complimentary Accorplus membership with multiple benefits at Accor hotels across India.
  • Complimentary Club Marriott Asia Pacific membership with exclusive benefits at participating Marriott hotels in India and Asia Pacific (on weekends only).

Pros & cons

Pros

  • Being a premium credit card, you get over 50 complimentary golf rounds with this card.
  • Unlimited domestic and international lounge access with the Axis Bank Reserve Credit Card.

Cons

  • This card comes with a joining fee of Rs 50,000, which may not be affordable for everyone.

FAQs

What are the cash advance charges of the Axis Bank Reserve Credit Card?

The Reserve Credit Card by Axis Bank doesn’t charge any cash advance fee, i.e, you can withdraw cash for free using this credit card unlike most of the other credit cards that charge a cash advance fee of 2.5% (generally).

Is this credit card good for international transactions?

Yes, the Axis Bank Reserve Card can be considered good for international transactions as it comes with a very low foreign currency markup fee of 1.5% only. Moreover, you also get 2x reward points on international transactions.

What is maximum benefit I can avail through the Buy 1 Get 1 Free offer on movies with this card?

With the Axis Bank Reserve Credit Card, you get a buy 1 get 1 free offer on movies where the maximum price of a complimentary movie ticket is capped at Rs. 500 and that of non-movie ticket is capped at Rs. 1,000.

Can I get the renewal fee of Rs. 50,000 waived off?

Yes, the renewal fee of Rs. 50,000 can be waived off if you have spent Rs. 35 lakhs or more in the previous year.

What is the interest rate on this card?

The interest rate on the Reserve Credit Card is 3% per month, i.e, 42.58% annually.

How to increase the Credit Limit on my Axis Bank Reserve credit card?

To increase the credit limit on your Axis Bank Reserve Credit Card, you can contact your credit card customer care and request them to provide you with a higher limit. Before that, make sure that you have used your card responsibly for a few months and that you have built an excellent credit score so far.

Is Axis Bank Reserve Credit Card a metal card?

Yes, the Reserve Card by Axis Bank is a super-premium metal credit card.