Axis Bank Reserve Credit Card
An ultra-luxury credit card designed for high-net-worth individuals and corporate leadership. It includes unlimited domestic and international airport lounge access with 12 free guest passes, 8 annual luxury airport chauffeur pick-up services, top-tier hotel memberships (Club Marriott, Accor Plus), and a low 1.50% forex fee.
Why We Recommend The Axis Bank Reserve Credit Card
Axis Bank's crown jewel for ultra-high-net-worth clients, pairing hotel elite memberships with unlimited lounge access and airport chauffeurs.
High-net-worth individuals and corporate leadership seeking luxury airport transfers and hotel elite status.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the Axis Bank Reserve Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.20 to ₹0.40 (air miles conversion yields higher returns) on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for Axis Bank Reserve Credit Card
Zero hidden costs. Complete fee schedule verified with AXIS Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the Axis Bank Reserve Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Unlimited complimentary domestic airport lounge visits for primary and add-on cardholders + 12 guest visits
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Unlimited complimentary international lounge visits via Priority Pass for primary and add-on cardholders + 12 guest visits
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes Axis Bank Reserve Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Unlimited domestic & international lounge access with 12 free guest visits.
8 complimentary luxury airport transfer / chauffeur pick-up services annually.
Low 1.50% foreign exchange markup fee.
Pros & Cons of the Axis Bank Reserve Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Comprehensive airport concierge, chauffeur luxury transfers, and unlimited lounge visits.
- 1.50% forex rate combined with high international point multipliers.
- Complimentary top-tier hospitality memberships (Accor Plus, Club Marriott).
Things to Consider (Cons)
- Steep ₹50,000 + GST annual fee.
- Very high eligibility barrier (restricted to HNIs and elite wealth clients).
- Fee waiver requires spending ₹35 Lakhs annually.
Who Can Apply for the Axis Bank Reserve Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
780+ Score Recommended
Applicants with a credit score of 780 or higher enjoy fast-tracked approval and preferential credit limits from AXIS Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About Axis Bank Reserve Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the Axis Bank Reserve Credit Card?
Check your pre-approved credit limit and instant approval eligibility across AXIS Bank with 100% paperless verification and zero score impact.