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Axis Bank Reserve Credit Card
Axis • Visa

Axis Bank Reserve Credit Card

Get better prizes when you use Axis Reserve Credit Card. Earn rewards for regular purchases and bonus points for buying electronics, accessories, clothing, beau

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹50000Check issuer terms
Base Reward0.5%On all spends
Lounge Access2020 domestic • 0 intl
Est. Annual Savings₹-47,600Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual fee₹50,000

Check issuer terms

Net value₹48,200

Estimated cost after fees.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • Axis Bank Reserve Credit Card is best positioned as a premium specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 0.5% on base-aligned lanes, while broad base return remains closer to 0.5%.
  • Current mapped lounge footprint is 20, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to premium spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 50,000 and reduce allocation if annual net value weakens.

Watchouts

  • cashback realization depends on eligible spend classification and exclusions
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹50,000
  • Annual fee₹50,000
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count20
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows20
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports5
  • Approval reports3

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Axis Bank Vistara Infinite Credit Card

Annual fee: ₹10000

Shared focus: PremiumHigher product tier within same bankHigher top earn rate (5.0%)
View Details
Step 2

Axis Bank Magnus Credit Card

Annual fee: ₹12500

Shared focus: PremiumHigher product tier within same bankHigher top earn rate (4.8%)
View Details
Step 3

Axis Bank Olympus Credit Card

Annual fee: ₹20000

Shared focus: PremiumHigher product tier within same bankHigher top earn rate (5.0%)
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligible this quarter: No

Track lounge eligibility for Axis Bank Reserve Credit Card using your current quarter spend.

₹0 spent₹50,000 target

Policy signal used: - Source file: Axis Bank domestic lounge program PDF (Set B). - Domestic lounge access is linked to card-wise quarterly/yearly limits. - Base spend criteria: INR 50,000 in previous 3 calendar months; waived for Reserve/Burgundy/Olympus/Primus/Horizon/Atlas as per source file. Policy override notes: • Axis official lounge access program file lists Reserve with unlimited complimentary domestic lounge access. • Reserve is explicitly listed in the spend-waiver list for Axis domestic lounge criteria. • Axis PDF explicitly waives INR 50,000 previous-3-month domestic lounge spend criteria for Reserve. • Axis file lists unlimited complimentary lounge access for Reserve under participating lounge set. • Guest policy varies by lounge program and card benefit construct; verify current Reserve guest terms before travel. • Reserve is positioned as a premium travel product with international lounge stack; confirm current pass issuance + guest terms in latest Axis benefits guide. Verify latest spend criteria and guest access with issuer before travel.

Spend threshold

Axis PDF explicitly waives INR 50,000 previous-3-month domestic lounge spend criteria for Reserve.

Quarter / cycle rule

Axis file lists unlimited complimentary lounge access for Reserve under participating lounge set.

Guest access

Guest policy varies by lounge program and card benefit construct; verify current Reserve guest terms before travel.

Priority Pass

Reserve is positioned as a premium travel product with international lounge stack; confirm current pass issuance + guest terms in latest Axis benefits guide.

Lounge Locations

20 airport lounge rows
View lounge map and location list20 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

AHM • Ahmedabad Airport • Domestic Departure T1

Bengaluru

2 lounges • 2 domestic • 0 international

2
080 Domestic LoungeDomestic

BEN • Bengaluru Airport • Domestic Departure T2

BLR Domestic Lounge*Domestic

BEN • Bengaluru Airport • Domestic Departure T1

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Domestic Departure T1

Chennai

2 lounges • 2 domestic • 0 international

2
Travel Club LoungeDomestic

CHE • Chennai Airport • Domestic Departure T4

Travel Club Lounge A/BDomestic

CHE • Chennai Airport • Domestic Departure T1

Coimbatore

1 lounges • 1 domestic • 0 international

1
Blackberry LoungeDomestic

COI • Coimbatore Airport • Domestic Departure T1

Dehradun

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

DEH • Dehradun Airport • Domestic Departure T1

Goa

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

GOA • Goa Airport • Domestic Departure T1

Hyderabad

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

HYD • Hyderabad Airport • Domestic Departure T1

Jaipur

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

JAI • Jaipur Airport • Domestic Departure T2

Kochi

1 lounges • 1 domestic • 0 international

1
Earth LoungeDomestic

KOC • Kochi Airport • Domestic Departure T1

Kolkata

1 lounges • 1 domestic • 0 international

1
Travel Club LoungeDomestic

KOL • Kolkata Airport • Domestic Departure T1

Mumbai

3 lounges • 3 domestic • 0 international

3
Adani LoungeDomestic

MUM • Mumbai Airport • Domestic Departure T1B

Adani Lounge**Domestic

MUM • Mumbai Airport • Domestic Departure T2

Travel Club LoungeDomestic

MUM • Mumbai Airport • Domestic Departure T1c

New Delhi

3 lounges • 3 domestic • 0 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T1

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T2

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T3

Vadodara

1 lounges • 1 domestic • 0 international

1
Premium LoungeDomestic

VAD • Vadodara Airport • Domestic Departure Main

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • 4 complimentary luxury airport pick-ups/drops every year.

Things to Consider

  • Reward caps and exclusions apply
  • Issuer terms may change

About Axis Bank Reserve Credit Card

Axis Bank Reserve Credit Card is a cashback card from Axis, best for travel & lounge access. It is tagged under premium categories in our database.

Premium

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Frequently asked questions

Is Axis Bank Reserve Credit Card lifetime free?

It has an annual fee of ₹50000. Check issuer terms

What rewards does Axis Bank Reserve Credit Card offer?

Get better prizes when you use Axis Reserve Credit Card. Earn rewards for regular purchases and bonus points for buying electronics, accessories, clothing, beau

Does Axis Bank Reserve Credit Card include lounge access?

Axis Bank Reserve Credit Card lists 20 lounge visits (20 domestic, 0 international).

Who should consider Axis Bank Reserve Credit Card?

Travel & lounge access

Where can I apply for Axis Bank Reserve Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.