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Axis Bank · Visa Infinite · हिन्दी

Axis Bank Reserve Credit Card: full review

The Axis Reserve is India's most feature-rich super-premium card for frequent international travellers and HNIs. Unlimited lounge access with guest visits, zero forex, 50 golf rounds and three hotel memberships justify the ₹50,000 fee only if you're a very high spender. Post-2024 devaluations have dented its value but it remains best-in-class for travel perks.

Apply now ↗Annual fee: ₹50,000 + taxes
Last updated: August 2026 · Current terms verified
AXIS BANK
VISA
)))
RESERVE
ASHOK KUMAR
12/28
₹50,000 + taxes (waived on ₹35,00,000/year spend)Annual fee
15 EDGE points per ₹200 on domestic spends (1.5%); 2X on international (3%)Reward structure
Unlimited domestic + international lounge access; guest visits includedLounge access

Key benefits of the Axis Bank Reserve Credit Card

15 EDGE points per ₹200 on all domestic spends (1.5%); 2X on international transactions (3%)1 EDGE point = ₹0.20; transferable to airline/hotel loyalty programs at 5:2 ratioUnlimited complimentary domestic and international airport lounge access (add-on cardholders + 12 guest visits/year)50 complimentary golf rounds at partner courses annuallyITC Culinaire, Accor Plus and Club Marriott Asia Pacific memberships8 VIP airport assistance services per yearZero forex markup on international transactions
Apply now ↗ Min. income: ₹25L+/year · Credit score: 800+
Pros and cons
Pros
✓ Best lounge access in India, unlimited domestic + international with guest visits
✓ Zero forex markup
✓ 50 golf rounds annually is unmatched
✓ Hotel memberships across ITC, Accor and Marriott add significant value
Cons
✗ ₹50,000 annual fee is very high
✗ Renewal benefit (50,000 points) discontinued from April 2024
✗ Airport transfers discontinued from April 2024
✗ 5:2 miles transfer ratio is poor for premium positioning
Quick facts
Issuer Axis Bank
Network Visa Infinite
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹50,000 + taxes (waived on ₹35,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹50,000
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Unlimited domestic + international lounge access; guest visits included
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 0%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25L+/year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 800+
SourceAxis Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for Axis Bank Reserve Credit Card is ₹50,000 + taxes (waived on ₹35,00,000/year spend). The joining fee is ₹50,000.
The main benefits of the Axis Bank Reserve Credit Card are: 15 EDGE points per ₹200 on all domestic spends (1.5%); 2X on international transactions (3%); 1 EDGE point = ₹0.20; transferable to airline/hotel loyalty programs at 5:2 ratio; Unlimited complimentary domestic and international airport lounge access (add-on cardholders + 12 guest visits/year); 50 complimentary golf rounds at partner courses annually; ITC Culinaire, Accor Plus and Club Marriott Asia Pacific memberships; 8 VIP airport assistance services per year; Zero forex markup on international transactions.
15 EDGE points per ₹200 on domestic spends (1.5%); 2X on international (3%)
Axis Bank Reserve Credit Card is best for Ultra-HNI travellers wanting unlimited lounge access, hotel memberships and top-tier concierge. The Axis Reserve is India's most feature-rich super-premium card for frequent international travellers and HNIs. Unlimited lounge access with guest visits, zero forex, 50 golf rounds and three hotel memberships justify the ₹50,000 fee only if you're a very high spender. Post-2024 devaluations have dented its value but it remains best-in-class for travel perks.
The minimum income requirement for Axis Bank Reserve Credit Card is ₹25L+/year. A minimum credit score of 800+ is also recommended.
Yes, Axis Bank Reserve Credit Card offers Unlimited domestic + international lounge access; guest visits included.
Axis Bank Reserve Credit Card charges a 0% foreign currency markup on international transactions. This is one of the best forex rates in India.
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Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
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Axis Bank Reserve₹50,000 + taxes
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