Axis Bank Reserve Credit Card
Axis Bank Reserve Credit Card
50000 EDGE Reward Points on activation.
Unlimited lounge visits.
Low forex mark-up fee.
Personalized Match by CredHunt • credhunt.com
Premium metal credit card offering unlimited domestic & international lounge access, exclusive lifestyle privileges, travel benefits, and concierge services with a low forex markup fee.
Joining Fee
₹50000
Annual Fee
₹50000
Rating
5.0/5.0(0 reviews)
Key Features
50000 EDGE Reward Points on activation.
Unlimited lounge visits.
Low forex mark-up fee.
Complimentary hotel memberships.
Rewards Program
Base Rewards
Reward Type
SuperCoins
Base Reward Rate
2 EDGE Points for every ₹100 spent
Point Value
Club Vistara Points redeemable for Vistara flights
Points Expiry
Never
Bonus Rewards
Welcome Offer
25,000 bonus EDGE reward points on card activation and achievement of spending milestone.
Accelerated Rewards
2X EDGE Reward Points across all retail transactions.
Card Benefits
Travel Benefits
2 complimentary visits per quarter
Unlimited international & domestic lounge visits with 4 additional guest visits. Complimentary airport transfers twice per quarter.
Dining & Entertainment
20% discount at partner restaurants. Complimentary EazyDiner Prime membership with additional dining privileges.
Discount on in-flight entertainment purchases.
Lifestyle & Protection
Discount offers on fashion and lifestyle brands.
Travel insurance coverage up to ₹50 lakh and purchase protection.
8 free rounds/quarter
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | No charges for up to 3 add-on cards |
| Foreign Currency Markup | 1.5% of transaction amount |
| Cash Advance Fee | 2.5% of amount withdrawn (minimum ₹500) |
| APR | 3.5% per month (42% per annum) |
| Late Payment Fee | ₹950 for outstanding balance above ₹10,000 |
| Fuel Surcharge | 1% fuel surcharge waiver at all fuel stations, capped at ₹500 per month |
| Balance Transfer Charges | 1.99% of transferred amount (min ₹149) per MITC |
Additional Charges
Statement & Processing
Duplicate Statement Charges
100
Dynamic Currency Conversion Fee
1.5% of transaction amount
EMI Charges
Interest rate as applicable
Loan Processing Fee
1% of loan amount (min ₹250) per MITC
Outstation Processing Charge
Not specified
Additional Fees
Overlimit Fees
2.50% of the amount due
Payment Return Charges
₹500 per returned payment
Railway Ticket Purchase Fee
Not specified
Card Reissue Fee
Not applicable (virtual card)
Rent Pay Transactions
No surcharge, earn regular rewards
Rewards Redemption Fee
No fee for online redemption
Fee Waiver Conditions
Annual fee waived on spending ₹2 lakh in the previous year
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Income proof required
Expert Opinion
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.
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Experience the premium benefits of the Axis Bank Reserve Credit Card today.