Axis Bank Reserve Credit Card
Axis Bank
Axis Bank Reserve Credit Card
Axis Bank
Annual Fee
FREE
Effective Rate
0.00%
Network
VISA
Point Value
₹0.00/pt
About Axis Bank Reserve Credit Card
The Axis Bank Reserve Credit Card is a super-premium-tier reward points credit card issued by Axis Bank on the VISA network. It is a lifetime free card with no annual or joining fee. The card includes complimentary airport lounge access, making it well suited for frequent flyers. With zero foreign transaction charges, it is a strong companion for international travel.
Best For
Pros & Cons
thumb_upPros
- check_circleUnlimited Airport Lounge Access
- check_circleZero forex markup on international transactions
- check_circleLifetime free — no annual fee ever
- check_circleComplimentary Golf
thumb_downCons
- cancelMay require existing banking relationship or invitation
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.00 — an effective return of 0.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 40% | 4000 pts≈ ₹0 |
| All other spends | 20% | 2000 pts≈ ₹0 |
| All other spends | 15% | 1500 pts≈ ₹0 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the Axis Bank rewards portal. Redemption value may vary by option.
Card Benefits
Unlimited Airport Lounge Access
Complimentary access to 1000+ domestic and international lounges via Priority Pass and DreamFolks
~₹60,000/yr value
Complimentary Golf
Unlimited complimentary golf rounds at leading courses across India and internationally
~₹30,000/yr value
24/7 Lifestyle Concierge
Round-the-clock personal concierge for travel, dining, entertainment bookings
~₹12,000/yr value
Comprehensive Travel Insurance
Air accident cover ₹3 Cr, overseas medical up to ₹1.5 Cr, trip cancellation cover
~₹15,000/yr value
Taj Epicure Membership
Complimentary Taj Epicure Plus membership with exclusive hotel benefits
~₹20,000/yr value
Luxury Dining Privileges
Complimentary welcome drinks and dining discounts at Axis Bank partner restaurants
~₹8,000/yr value
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the Axis Bank website.
| Annual Fee | Lifetime Free |
| Forex Markup | 0% (Zero Markup) |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Axis Bank Reserve Credit Card.
Ready to apply for Axis Bank Reserve Credit Card?
Apply directly on the Axis Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.