Axis Reserve credit card

Axis Reserve

Axis Bank · Visa

Axis Reserve is India's most premium card with unlimited worldwide lounge, 2 complimentary domestic flights, and luxury concierge.

Annual Fee

₹50,000

Joining Fee

₹50,000

Base Reward Rate

3.5X

₹1.5/pt

Min CIBIL

750

₹60L+ income

Key Features

Ultra-premium card — Axis Bank's most exclusive offering
Unlimited complimentary lounge access worldwide including Centurion-tier properties
35X EDGE Rewards on luxury retail, fine dining and premium hotel spends
15X EDGE Rewards on all other travel and spends
Unlimited golf at premium courses globally
Dedicated personal relationship manager and lifestyle concierge
Exclusive invitations to luxury events and experiences
No pre-set credit limit for Axis Burgundy Private customers

Welcome Benefits

✓

25,000 Bonus EDGE Rewards on First Spend

Earn 25,000 EDGE Rewards on your first transaction within 90 days of card activation

✓

Unlimited Lounge Access from Day One

Immediate unlimited access to premium airport lounges worldwide for primary and add-on cardholders

✓

Complimentary Luxury Hotel Night

Receive a complimentary night at a luxury hotel property as a welcome gift on card activation

Reward Rates by Category

Dining

7X

Travel

7X

Online

3.5X

Shopping

3.5X

Grocery

3.5X

Fuel

1X

Utilities

1X

Other

3.5X

Partner Earn Rates

PartnerCategoryEarn Rate
Luxury HotelsHotels35X
Fine DiningDining35X
Luxury RetailShopping35X
All Other TravelTravel15X

Milestone Benefits

₹25.0 L

50,000 Bonus EDGE Rewards

Earn 50,000 bonus EDGE Rewards on ₹25 lakh annual spend

Annual

₹75.0 L

1,50,000 Bonus EDGE Rewards + Annual Fee Waiver

Spend ₹75 lakhs to earn 1,50,000 bonus EDGE Rewards and waive the annual fee

Annual

Airport Lounge Access

Domestic

Unlimited

International

Unlimited

Insurance & Protection

Air Accident Cover

Comprehensive when tickets booked on card

₹3 Crore

Overseas Medical Insurance

Emergency medical on international travel

USD 2,00,000

Travel Insurance

Baggage, trip interruption and delay

Comprehensive

Purchase Protection

High-value luxury purchases protected

Up to ₹10 Lakhs

Pros

  • Unlimited worldwide lounge access
  • 2 complimentary domestic flights/year
  • Luxury concierge
  • Golf at 100+ courses
  • Rs 1.5 per point value
  • Meet & greet at airports

Cons

  • Rs 50,000 annual fee
  • Rs 60L+ income requirement
  • Invite-only

Redemption Options

Flight tickets

Best Value₹1.5/pt

Hotel bookings

Good₹1/pt

Statement credit

Standard₹0.75/pt

Transfer Partners

Singapore Airlines KrisFlyer

1:1

British Airways Avios

1:1

Marriott Bonvoy

1:1

Frequently Asked Questions

Who is Axis Reserve for?+
Axis Bank's ultra-premium card for the highest-tier private banking customers. Typically available to those with significant Axis Bank relationship value.
What is the annual fee?+
₹50,000 per year. Waived for qualifying Axis Burgundy Private customers on high annual spend.
What earn rate on luxury spends?+
35X EDGE Rewards on luxury hotel stays, fine dining and premium retail — among the highest earn rates on any Indian credit card.
Unlimited lounge access?+
Yes — unlimited complimentary access worldwide for primary cardholder and add-on cardholders, with no quarterly caps.
How do EDGE Rewards redeem?+
Transfer to 15+ airline and hotel programmes, or redeem via Axis EDGE portal for luxury travel, experiences and vouchers.

Ready to apply?

Apply on the Axis Bank website. Usually takes 10 minutes.

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Axis Reserve

₹50,000/yr · 3.5X rewards