Axis Bank RESERVE Credit Card

Axis Bank · Open to apply

Axis's ₹50,000 luxury travel card: 15 EDGE Reward points per ₹200 (30 on international spends up to the credit limit a month), 15,000 points on activation, unlimited domestic and Priority Pass lounge visits with 12 guest visits each, 50 golf rounds a year and a ₹35 lakh spend waiver of the fee. Points transfer to 27 airline and hotel programmes.

Annual fee
₹50,000 + GST a year
Joining fee
₹50,000 + GST
Fee waiver
Annual fee waived on ₹35,00,000 spend per card year
Base rate
15 EDGE Reward points per ₹200 on everything else: 15 EDGE Reward points per ₹200 (about 1.5% at cash value)
Lounges
International: unlimited visits a calendar year; Domestic: unlimited visits a calendar year
Forex markup
1.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 2X, 30 EDGE Reward points per ₹200, on international spends: 30 EDGE Reward points per ₹200 (about 3% at cash value)

Earns nothing on

  • No points on cash advances and EMI conversions
  • No points on government institutions and utilities (telecom included)
  • No points on insurance, fuel, gold and jewellery, wallet and gift cards
  • No points on bridge, road and toll fees

Where the sources disagree

  • Cap period of the fuel surcharge waiver: The product page says the waiver is capped at ₹400 per month; the KFS and MITC say ₹400 per statement cycle. The KFS and MITC are used.
  • Late fee boundary at ₹50,000: The 2026-08-28 notice's prose says "INR 50,000 and above", but its own table, the KFS and the MITC put exactly ₹50,000 in the ₹1,200 slab and ₹1,300 at "greater than INR 50,000". The table is used.

Terms the calculator does not value

  • The 2X on international spends (30 points per ₹200) stops at the assigned credit limit of eligible international spends in a calendar month, then falls to 15. The credit limit is personal to the cardholder, so the calculator applies 2X to all international spend and overstates the card for heavy spenders abroad.
  • Redemption values: the ₹0.20 a point used for the catalogue comes from the MITC's negative balance example, not from a Reserve page. Travel EDGE and other routes (SMS and partner-outlet redemption) have no rate on the Reserve sources. The transfer values depend on our estimates per programme in the programme list.
  • Transfer ratios and partners are set in Axis's Travel EDGE terms, which Axis can change without notice. The ratios entered are the terms fetched on 2026-10-20: 5 points to 2 partner points for most programmes and 5 to 1 for Accor, British Airways, Cathay, Finnair, IndiGo BluChip, Qatar and Vietnam Airlines. IndiGo BluChip also has a limited two-month introductory ratio (dates not given) that is not entered. Caps are per customer ID and the highest card's cap applies when several cards are held. The calculator does not apply the caps.
  • Complimentary memberships (Club ITC Culinaire, Accorplus, Club Marriott, EazyDiner Prime) are renewed only with the cardholder's explicit consent from 2026-11-15. Memberships are not available while an active one is held.

Sources

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