Axis Bank Reserve Credit Card – Benefits, Fees & Eligibility

Introduction

The Axis Bank Reserve Credit Card is Axis Bank’s most premium offering, positioned as a super-premium credit card. It provides an effective reward rate of 1.5% on domestic spends and 3% on international transactions. This "invite-only" card comes packed with a plethora of value-added privileges, including unlimited complimentary domestic and international airport lounge access, memberships to prestigious hotel loyalty programs like ITC Culinaire, Accor Plus, and Club Marriott, and dining programs such as Eazydiner Prime. Cardholders also enjoy 50 complimentary rounds of golf annually and a comprehensive insurance cover.

Welcome Benefits

• 15,000 EDGE Reward Points on card activation.
• Complimentary Club ITC Culinaire Membership, offering benefits such as a complimentary third-night stay (2+1 nights), 50% discount on published room tariff on suites on weekends, 25% Green Points on food and beverage spends, and a bouquet of 10 certificates.
• Complimentary Accorplus Membership, which includes complimentary room upgrades at Accor hotels, up to 50% off on dining, a complimentary lunch buffet for two across Accor hotels in India, and two complimentary night stays at all Accor hotels across the Asia Pacific region.
• Complimentary Club Marriott Asia Pacific Membership, providing up to 20% off on food and beverages and a discount of 20% on the best available rates at participating Marriott hotels in India and on weekend rates in Asia Pacific.
• Complimentary Eazydiner Prime membership.
• Complimentary Swiggy One Membership.

Fees

• Joining Fee: ₹50,000 + GST
• Annual Fee: ₹50,000 + GST
• Spend-Based Waiver: The renewal fee is waived off on a minimum expenditure of ₹35 lacs in the preceding 12 months (or anniversary year).
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: 1.5% of the transaction amount.
• Interest Rates: 3% per month (or 42.58% annually / 42.5% annually) on the pending amount if the due amount is not paid.
• Fuel Surcharge Waiver: 1% fuel surcharge waived off at all filling stations across India for transactions between ₹400 and ₹4,000. The maximum waiver is capped at ₹400 per month.
• Cash Advance Charges: Nil

Rewards

Reward Earning

• Earn 15 Edge Reward Points per ₹200 spent with the card on domestic transactions.
• Earn 30 Edge Reward Points per ₹200 spent on international transactions (2X Edge Reward Points).
• Spending on utilities, wallet, fuel, insurance, jewellery, and government institutions will not earn EDGE Reward Points and will not be considered toward the annual fee waiver.
• Rental transactions are capped at ₹1 lakh, earning a maximum of 7,500 EDGE Reward Points.
• Earn 15 EDGE Reward Points for fuel transactions below ₹400 and above ₹4,000 (where the waiver does not apply).

Movies & Dining

• Complimentary Eazydiner Prime membership, offering up to 25% off at premium restaurants nationwide.
• Discount of up to 20% at over 4,000 partner restaurants under Axis Bank’s Dining Delights program.
• Buy One Get One (BOGO) offer on BookMyShow:
  • Maximum benefit of ₹500 off on the second movie ticket, available 5 times a month.
  • Maximum benefit of ₹1,000 off on non-movie ticket bookings.
• Handpicked experiences at ExtraOrdinary Weekends, including curated activities such as sailing, unique tours, golf, and a chef for a day.

Travel

• Global travel and medical assistance on international trips.
• Unlimited complimentary domestic airport lounge access for both primary and add-on cardholders.
• Unlimited international airport lounge access every year with complimentary Priority Pass membership, including 12 complimentary visits in a year for accompanying guests.
• Complimentary airport concierge services.
• Exclusive Offers at Oberoi Hotels and Resorts: 15% discount on room-only rates and room with breakfast rate or a complimentary 3rd-night stay. Also, a 50% discount on the best available rates on suites.
• Benefits at Postcard Hotels: 15% discount on the best available room rates, anytime check-in and checkout facility, and complimentary lifestyle consultation (applicable only on Postcard hotels in Goa).

Golf

• 50 complimentary rounds of golf every year at premium golf courses across the country.

Health and Medical Benefits

• Weljii Offers: First complimentary information session and a 25% discount on health and wellness coaching plans.
• Second Medical Opinion: Complimentary referral-based service for a second medical opinion from world-class specialists at reputed international hospitals.
• Discounts on Health Packages and Pathology Tests: Complimentary discounts at Dr. Pathlabs and Metropolis.
• Global Medical Assistance: Available through Axis Bank’s concierge service.

Insurance Benefits

• Comprehensive insurance cover including:
  • Purchase Protection: ₹2 Lakh
  • Loss/Delay in Baggage/Personal Documents: USD 500
  • Credit Shield: ₹5 Lakh

Rewards Redemption Guide

• Edge Reward Points can be redeemed for instant vouchers and exclusive products on Axis Bank’s Edge Rewards portal.
• 1 Edge Reward Point is equivalent to ₹0.20.
• This translates into an effective reward rate of 1.5% on domestic spends and 3% on international spends.
• Edge Reward Points can also be redeemed for Edge Miles, transferable to domestic and international partner airline and hotel loyalty programs.
• The revised transfer ratio is 5 EDGE RPs = 2 Partner Miles/Points (applicable for programs like Air India, Etihad Airways, and more).
• The total number of reward points that can be converted in a calendar year is capped at 5,00,000 RPs for a single Customer ID.
• Only one Customer ID can be linked to a partner program loyalty membership at a given time. To link another ID, the existing primary ID must first be deleted and then the new one added.
• Cardholders must wait at least 60 days to update their partner program Customer ID at the Travel EDGE portal.

Card Eligibility Criteria

• This is an "Invite Only" credit card.

Card Review

The Axis Bank Reserve Credit Card is a super-premium offering from Axis Bank, directly competing with cards like the American Express Platinum Charge Card and Yes Private Credit Card, given its substantial annual membership fee. It offers a decent reward rate of 1.5% on domestic spending and 3% on international spending. The card's travel benefits are particularly unique and strong.

Pros

• Over 50 complimentary golf rounds annually.
• Unlimited domestic and international lounge access.
• Comprehensive travel benefits, including complimentary Accorplus, Club ITC Culinaire, and Club Marriott Asia Pacific memberships, along with exclusive discounts and offers at Oberoi hotels and resorts.
• Low foreign currency markup fee of 1.5%.
• Zero cash advance fee.

Cons

• The high joining fee of ₹50,000 + GST may not be affordable for everyone.

Who Should Apply

This card is an excellent choice for individuals who frequently travel and seek extensive luxury benefits across travel, dining, and lifestyle categories.

Important Product Details

• 15,000 bonus Edge Reward Points as a welcome benefit.
• Earn 15 Edge Reward Points per ₹200 spent on domestic transactions.
• Earn 2X Reward Points on all international spends.
• Lower mark-up fee of 1.5% on all foreign currency transactions.
• Unlimited domestic airport lounge access and unlimited international airport lounge access for both primary and add-on cardholders with complimentary Priority Pass membership, including 12 complimentary visits in a year for accompanying guests.
• Complimentary Club ITC Culinaire membership.
• Complimentary Accorplus membership.
• Complimentary Club Marriott Asia Pacific membership with exclusive benefits at participating Marriott hotels in India and Asia Pacific (on weekends only).
• 50 complimentary golf rounds every year.
• Comprehensive insurance cover including purchase protection up to ₹2 Lakhs, USD 500 cover for loss/delay in baggage, and a ₹5 Lakhs credit shield.
• Complimentary Eazydiner Prime membership.
• Buy One Get One offer on BookMyShow (max ₹500 off on movie tickets, max ₹1,000 off on non-movie tickets), available 5 times a month.
• 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000, capped at ₹400 per month.
• Zero cash advance fee.
• The Axis Bank Reserve Credit Card is a super-premium metal credit card.

Other Details

• The card is "Invite Only".
• Concierge desk contact: 1800 103 4962.
• For card-related queries, complaints, and feedback, call 1800 419 0065 or visit axisbank.com/support.
• It is important to activate your new Credit Card within the first 30 days of issuance; failure to do so will result in card closure as per RBI guidelines.
• Discontinued/Revised Benefits:
  • W.e.f 20th April 2024, Complimentary Luxury Airport Transfers have been discontinued.
  • W.e.f 1st October 2025, offers on Oberoi hotels and resorts will be discontinued.
  • For Reserve credit cards issued before 10th July 2020, the following benefits were discontinued w.e.f. 31st August 2020: Luxury dining experience upon card issuance, annual benefit of Tata CliQ voucher worth ₹10,000, annual benefit of Club Vistara Gold membership, and 50% cashback on movies. Golf benefits were revised down to 50 rounds in a year.
• Terms and Conditions of the Axis Bank Reserve Credit Card are subject to periodic updates.
• Cardholders can give a missed call on 18004194470 or request a call back for assistance.
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