Axis Bank Reserve Credit Card

1. Offers both primary and add-on cardholders with priority pass membership with unlimited complimentary international lounge visits. 

1. Offers accompanying guests with 12 complimentary visits per year. 

1. Unlimited domestic lounge visit: 

1. Offers both primary and add-on cardholders, unlimited complimentary domestic lounge visits. 

1. Offers accompanying guests with 12 complimentary guest visits per year. 

1. For authentication, transaction of Rs.2 will be deducted which will be reversed within 24 hours. 

1. Club ITC Culinaire Membership: 

1. Offers a complimentary third night stay and one complimentary room upgrade. 

1. On food and beverage spending, the cardholders will earn 25% green points. 

1. Offers discounts of 50% at All Day Dining restaurants. 

1. Offers a bouquet of nine certificates and more. 

1. The Club ITC Culinaire membership is valid for a year. 

1. Accorplus membership: 

1. Across all Accor hotels in India, the card offers complimentary lunch buffet for two. 

1. The card also offers complimentary stay across the Asia pacific region for one night. 

1. Offer complimentary room upgrade and a discount of 50% on dining. 

1. Handcrafted Club Marriott Asia Pacific Membership: 

1. Offers discounts of 20% on food and beverage. 

1. At participating Marritt hotels in India offers 20% discount on available rates. 

1. 20% discount on weekend rates in Aisa Pacific. 

1. Offers at Oberoi hotels and resorts: 

1. Offers complimentary third night or savings of 15% on room rate and room with breakfast. 

1. The offer is applicable for international and domestic Trident and Oberoi hotels. 

1. Discount at Postcard hotels: 

1. Discount of 15% on available room rates. 

1. Allows check-in and check-out anytime. 

1. Complimentary lifestyle consultation. 

1. Offer is applicable to two rooms per booking. 

1. Complimentary golf rounds: 

1. Across all golf courses in India, the card offers 50 complimentary golf rounds per year. 

1. The offer is valid in the financial year starting from 1 April 2025 to 31 March 2026. 

1. Complimentary EazyDiner Prime Membership: The cardholders can avail themselves of savings up to 25% at all premium restaurants. 

1. Complimentary movie ticket at BookMyShow (Buy 1 Get 1 Complimentary movie ticket): 

1. Offers discount of Rs.500 on second ticket on purchase of one movie ticket for a maximum of five times per month. 

1. Offers discount of Rs.1000 on second ticket on purchase of one non-movie ticket for a maximum of five times per month. 

1. Offers at extraordinaryweekends.com: Offers curated experience on golf, chef for a day, sailing, unique tours, etc. 

1. Swiggy One Membership: 

1. On orders above Rs.199, the cards offer unlimited free delivery. 

1. Over other offers, cardholders will receive up to an additional 30% extra discount. 

1. On orders above Rs.199, the card offers unlimited Instamart deliveries. 

1. On all orders at Genie, the card offers a flat 10% discount. 

1. On Dine out Reservation, the card offers exclusive access to Pre-book deals. 

1. Insurance Benefits: 

1. Credit shield of Rs.5 lakh. 

1. Offers purchase protection of Rs.2 lakh. 

1. Offers $500 for loss or delay in baggage and personal documents. 

Note: Complimentary Luxury Airport Transfer discontinued on this credit card effective from 20 April 2024. 

Reward program on Axis Bank Reserve Credit Card

The reward program on Axis Bank Reserve credit card is mentioned below: 

1. Card activation: 15,000 reward points 

1. For every Rs.200 spent: 15 edge reward points 

1. International spends: 2X rewards 

Note: 

1. Activation benefits are not applicable on first year free and lifetime free cards. 

1. Renewal benefits are discontinued from 20 April 2024. 

1. Offers Group A and B partners will earn 1 lakh and 4 lakh EDGE Reward points, respectively. 

Financial Benefits of Axis Bank Reserve Credit Card

The financial benefits offered to Axis Bank Reserve credit cardholders are mentioned below: 

1. Annual fee: Rs.50,000 plus taxes, which is waived on spending Rs.35 lakh in the past year. 

1. Joining fee: Rs.50,000 

1. Forex: 1.50% on all international transactions 

1. Cash withdrawal charges: Nil 

1. Fuel surcharge: Waiver of 1% of Rs.400 per month on transactions between Rs.400 to Rs.4000. 

1. APR (Annual Percentage Rate): 3% on extended credit 

1. Rent payment: 1% 

1. DCC markup fee: 1.50% 

1. Offers 1% fee on cumulative spend of: 

1. Rs.10,000 or more on wallet 

1. Rs.50,000 or more on fuel transactions 

1. Education payment via third-party app 

1. Rs.25,000 or more on utilities 

1. Per statement cycle, the card offers Rs.10,000 or more on online skill-based gaming platform 

Other charges on Axis Bank Reserve Credit Card are listed below: 

1. Late payment charges: 

1. Less than Rs.500: Nil 

1. Rs.501 to Rs.5,001: Rs.500 

1. Rs.5,001 to Rs.10,000: Rs.750 

1. More than Rs.10,000: Rs.1,200 

1. On missing payment of Minimum Amount Due (MAD) by the due date for two consecutive times: Rs.100 

1. Over limit charges: 2.50% of over-limit amount 

1. Fee for cash payment from branches: Rs.175 

1. Dishonour or auto-debit reversal fee: 2% of payment amount or a minimum of Rs.500

Revised Terms and Condition of Axis Bank Reserve Credit Card

Some of the benefits on Axis Bank Reserve credit card will be revised and will be effective from 20 June 2025.  

1. Offers 2X EDGE REWARD points on international spend, which is up to the credit limit of the card per month. 

1. After the threshold of credit limit, the card offers 15 EDGE REWARD points per Rs.200 spent on international transactions. 

1. On all eligible transactions, 15 EDGE REWARD base points will be credited within T+7 days, and on 45th of the respected month the remaining accelerated 15 EDGE REWARD base points will be credited. 

1. No change in the spend category excluded from earning rewards and spend based waiver and such transactions are: 

1. Utility 

1. Telecom 

1. Rent (Up to Rs.1 lakh per month for EDGE REWARD points) 

1. Government spends 

1. Gold and jewelry 

1. Cash advance and repayment 

1. Fuel 

1. Insurance  

1. Wallet 

1. EDGE REWARD Points 

1. Unredeemed EDGE REWARD Points or EDGE Miles will be forfeited by the bank after 30 days of credit card closure or if the minimum due amount is outstanding for more than 90 days. 

1. It is recommended by the bank to redeem your EDGE REWARD Points or EDGE Miles within 30 days of closure of credit card. 

1. The changes are effective from 1 October 2025. 

How to Apply for Axis Bank Reserve Credit Card?

You cannot apply for an Axis Bank Reserve Credit card. It is an invitation-only card that is offered to customers who meet the bank's pre-set eligibility criteria.

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