Axis Bank Reserve Credit Card is the ultimate premium choice for individuals seeking unmatched lifestyle privileges, global travel benefits, and exclusive experiences. This ultra-premium metal card from Axis Bank is designed to cater to high-net-worth individuals with a lifestyle that demands excellence. From luxury airport transfers to elite golf access and powerful reward conversions, the Axis Bank Reserve Credit Card stands out as one of the most rewarding credit cards in India today.
This detailed review explores the features, benefits, fees, eligibility, and value proposition of the Axis Bank Reserve Credit Card to help you make an informed decision.
Read more: American Express Gold Card: A Premium Credit Card with Premium Benefits
Complete Overview of Axis Bank Reserve Credit Card
| Feature | Details |
|---|---|
| Type | Ultra Premium Metal Credit Card |
| Annual Fee | ₹50,000 + GST (Total ₹59,000) |
| Reward Rate | 1.5% – 3% (up to 12% via transfer) |
| Key Benefits | Golf, Concierge, Airport Transfers |
| Forex Markup Fee | Just 1.5% + GST (1.77%) |
Exclusive Benefits of Axis Bank Reserve Creditcard
Luxury Airport Transfers
Get 4 complimentary luxury car airport transfers every year with your Axis Bank Reserve Creditcard. Whether you’re arriving or departing, your ride will be as luxurious as your flight.
Airport Meet & Greet Concierge
Enjoy 8 complimentary VIP airport concierge services annually. From express check-ins to dedicated escorts through immigration, every journey is stress-free.
Exclusive Golf Benefits
Receive 50 complimentary golf rounds (games or lessons) per year. The Axis Bank Reserve Creditcard offers one of the most comprehensive golf privileges in India.
Accor Plus Membership
As a cardholder, you enjoy 2 complimentary nights at select Accor properties, exclusive dining discounts, and fast-track Silver membership status. This is a valuable bonus for business and leisure travelers alike.
BookMyShow Benefits
Enjoy five Buy-One-Get-One-Free offers every month with a maximum discount of ₹1,000 per transaction. Perfect for those who love entertainment and premium experiences.
Read also: Top 5 Richest Companies in India 2025: Shocking Cash Piles and How They’re Investing ₹2.5 Lakh Crore
Axis Bank Reserve Credit Card Rewards Structure
| Spend Type | Reward Points per ₹200 | Reward Rate (Direct) | Reward Rate (Transfer Partners) |
|---|---|---|---|
| Domestic Spends | 15 RP | 1.5% | 3%–6% |
| International Spends | 30 RP (2X) | 3% | 6%–12% |
Use the Axis Bank Reserve Credit Card to earn high rewards on every spend and convert points into miles or hotel stays for maximum value.
Transfer Partners for Axis Bank Reserve Creditcard
You can transfer reward points to several airline and hotel loyalty programs, enabling luxury travel at minimal cost:
- Air France Flying Blue
- Singapore Airlines KrisFlyer
- Etihad Guest
- Turkish Airlines Miles&Smiles
- Qatar Airways Privilege Club
- Marriott Bonvoy
- IHG Rewards Club
These options make the Axis Bank Reserve Credit Card a favorite among international travelers and miles collectors.
Axis Bank Reserve Credit Card Fees and Charges
| Fee Type | Amount | Benefits |
|---|---|---|
| Joining Fee | ₹50,000 + GST | 50,000 Reward Points |
| Renewal Fee | ₹50,000 + GST | 50,000 Reward Points |
| Waiver Condition | Annual spend ₹25 lakh | Renewal Fee Waived |
| Forex Markup | 1.5% + GST | Lower than average, ideal for international usage |
Though premium, the fee is justifiable given the luxury services and reward value offered.
Eligibility Criteria for Axis Bank Reserve Credit Card
| Criteria | Minimum Requirement |
|---|---|
| Minimum Age | 21 Years |
| Credit Score | 750+ (Excellent) |
| Annual Income | ₹25,00,000 or higher |
| Employment Type | Salaried or Self-Employed |
Applicants must submit income proof, address verification, and valid ID during the onboarding process.
Value Analysis of Axis Bank Reserve Credit Card
| Benefit | Estimated Annual Value (₹) |
|---|---|
| Welcome Bonus (50K Points) | ₹10,000–₹20,000 |
| Luxury Transfers | ₹20,000 |
| Airport Concierge Services | ₹28,000 |
| Accor Hotel Nights | ₹15,000–₹20,000 |
| Golf Access | ₹1,00,000+ |
| BookMyShow BOGO | ₹12,000 |
| Total Estimated Value | ₹1,80,000+ |
With potential savings and rewards crossing ₹1.8 lakh, the Axis Bank Reserve Credit Card delivers superior value far exceeding its annual fee.
Why Choose Axis Bank Reserve Credit Card?
- Superior reward conversion rates
- Premium lifestyle perks including golf and hotel stays
- Seamless global travel with concierge and lounge access
- Luxury airport transfers and VIP experiences
- Excellent customer service and high acceptance
- Lower foreign currency markup
- Elite brand status with metal card design
- BookMyShow offers for high-end entertainment
- Robust reward program with international transfer partners
- Fee waiver on achieving ₹25 lakh annual spend
Conclusion: Is Axis Bank Reserve Credit Card Worth It?
Yes, the Axis Bank Reserve Credit Card is a top-tier choice for individuals who travel frequently, enjoy premium lifestyle benefits, and want to get rewarded with flexibility. Its features are unmatched in the Indian credit card market, especially for international travelers and golf lovers. With luxury built into every swipe, this card is not just for spending—it’s for living.
If you’re looking to elevate your lifestyle with value, luxury, and status, the Axis Bank Reserve Credit Card is worth every rupee of its premium fee.
