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AXIS BANK LTD
Axis Bank Reserve Credit Card
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Verified Catalog
Source: AXIS BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Premium metal credit card offering unlimited domestic & international lounge access, exclusive lifestyle privileges, travel benefits, and concierge services with a low forex markup fee.
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
50000 EDGE Reward Points on activation.
Highlight 2
Unlimited lounge visits.
Highlight 3
Low forex mark-up fee.
Highlight 4
Complimentary hotel memberships.
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹50,000
The front-loaded charge when you apply.
Annual fee
₹50,000
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
SuperCoins value at ~₹1 per point.
Annual Fee: ₹50,00011% Offset
Earns back 11% of your renewal fee.
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"2 complimentary visits per quarter"
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"Unlimited international & domestic lounge visits with 4 additional guest visits. Complimentary airport transfers twice per quarter."
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Income proof required"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Pros This card comes at a low joining fee of just ₹ 495. This is very attractive, especially for first-time credit card holders. This card is very beneficial for people who use Flipkart, Zomato, PVR and Uber, as it offers 10X reward points on purchases made from these platforms. Cons There isn’t any domestic or international lounge access with the American Express SmartEarn Credit Card. It is primarily a credit card for shopping and doesn’t provide many additional benefits."
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- APR: 3.5% per month (42% per annum)
- Rewards Type: SuperCoins
- Welcome Offer: 25,000 bonus EDGE reward points on card activation and achievement of spending milestone.
- Base Rate: 2 EDGE Points for every ₹100 spent
Cons
- Domestic Airport: 2 complimentary visits per quarter
- International Airport: 4 visits/year
- Spa: Not Available
- Travel (Hotels & Other): Unlimited international & domestic lounge visits with 4 additional guest visits. Complimentary airport transfers twice per quarter.
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