Axis Bank
Axis Bank Reserve Credit Card
Annual Fee
₹59,000₹50,000 + GSTBase Reward
1.5% points
Foreign Markup
1.5% of the transaction amount
Welcome Benefits
15,000 EDGE Reward Points on Card Activation
Product Highlights
- 15,000 bonus Edge Reward Points as a welcome benefit.
- 2X Reward Points on all international spends.
- Lower mark-up fee of 1.5% on foreign currency transactions.
- Unlimited domestic and international airport lounge access.
Category Rewards
Specialty
2X EDGE on international spend (up to credit limit/month)
2X
Fee Waiver
Renewal fee waived off on a minimum expenditure of ₹35 lacs in the preceding 12 months
Reward Calculator
Costs you ₹56,120/year
Break-even needs ~₹2,66,320/month at your reward mix.
₹13K
across all your buckets
14.4K
Axis EDGE Reward Points
₹2.9K
via edge catalogue · ₹0.2/pt
Effective rate
1.85%
Annual fee
₹59,000
Year 1 net
₹-56,120
Year 2+ net
₹-56,120
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%Kicks in after ₹10,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹25,000 cumulative utility spends/cycle
Foreign exchange markup
1.5%Charged on every international (non-INR) transaction
Excluded from rewards
government, utility, fuel, emi, cash advance, wallet, rent
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 15 EDGE Points for every ₹200 spent with the card, and 30 EDGE Points on international spends.
- Axis Bank Edge Reward Points can be redeemed for instant vouchers and exclusive products on the bank’s Edge Rewards redemption portal.
Benefits & Features
Domestic: Unlimited domestic airport lounge access (Available for both primary and add-on card holders) International: Unlimited international airport lounge access every year (Complimentary Priority Pass membership) Unlimited complimentary lounge access at domestic and international airports.
Pros & Cons
Pros
- Over 50 complimentary golf rounds with this card.
- Unlimited domestic and international lounge access.
Cons
- High joining fee of ₹50,000 may not be affordable for everyone.
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Renewal fee waived off on a minimum expenditure of ₹35 lacs in the preceding 12 months