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Axis Bank Reserve Credit Card
•••• •••• •••• 4242
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Quick facts
Axis Bank Reserve Credit Card
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Axis Bank Reserve Credit Card
Legacy super-premium tier — verify current issuance with Axis.
Key Benefits
Realistic net value (moderate user)
-₹10,580/year
Annual fee
₹12,500
High annual fee — may not pay off at moderate spend
At ₹40,000/mo (our moderate profile), net value is -₹10,580/yr after fees. Rewards alone turn positive around ₹2,60,415/mo in similar category spends.
Model your spends in the calculator →Issuer headline rate: 24 EDGE miles/₹150 — see calculator for caps
After ₹12,500 fee & ₹360 forex. Based on ₹40,000/mo spend.
12,400 users matched · Verified 2026-06-25
Apply directly with the bank. We never call you. The bank may contact you on their application form.
We earn commission if approved — at no cost to you. Zero sales calls.
Our transparency commitment
✓ Reward caps shown in absolute ₹ — not just "5% cashback"
✓ Exclusions listed upfront — fuel, EMI, rent, wallet
✓ Point conversions with conservative ₹/point rates
Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.
All Benefits
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
- Lounge: Unlimited domestic & international lounge — No minimum spend required for lounge access
- Dining: 24 EDGE miles/₹150
- Travel: 5 miles/₹150
- Other spends: 1 mile/₹150
- Unlimited lounge
- Marriott Bonvoy transfers
- Golf & concierge
- Forex markup: 2%
- Best for: Marriott Bonvoy collectors
- Best for: Ultra-high spenders
Source: Axis Reserve T&Cs — verify current issuance
High income, metal cards, max perks
UPI rewards (credit on UPI)
UPI credit not supportedVisa/Mastercard — UPI credit not supported.
UPI credit uses RuPay-linked cards on apps like GPay, PhonePe, and Paytm. Rates and exclusions follow issuer MITC — verify before relying on UPI for rewards.
Reward Structure
Source: Axis Reserve T&Cs — verify current issuance
Dining
24 EDGE miles/₹150
Travel
5 miles/₹150
Other spends
1 mile/₹150
Excluded categories (no rewards)
Lounge access
Unlimited domestic & international lounge
Spend criteria: No minimum spend required for lounge access
Forex markup
2%
What You Actually Earn (in ₹)
Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.
Gross rewards / year
₹2,280
Before fees & forex
Costs / year
₹12,860
Fee ₹12,500 + forex ₹360
Net value / year
-₹10,580
-2.2% effective return on spend
Points earned (all categories)
≈ 950 pts/mo (11,400 pts/yr) before caps · at ₹0.20/pt that's ~₹190/mo (~₹2,280/yr) in reward value
Category-wise breakdown
Dining & food delivery
Spend ₹4,000/mo · 24 pts per ₹150 spend
₹1,536/year
₹128/mo
₹4,000 → 640 pts/mo × ₹0.20/pt = ₹128/mo640 pts/mo (7,680 pts/yr) × ₹0.20/pt → ₹128/mo
Travel & flights
Spend ₹5,000/mo · 5 pts per ₹150 spend
₹400/year
₹33.33/mo
₹5,000 → 167 pts/mo × ₹0.20/pt = ₹33.33/mo167 pts/mo (2,004 pts/yr) × ₹0.20/pt → ₹33.33/mo
All other eligible spends
Spend ₹21,500/mo · 1 pts per ₹150 spend
₹344.00/year
₹28.67/mo
₹21,500 → 143 pts/mo × ₹0.20/pt = ₹28.67/mo143 pts/mo (1,716 pts/yr) × ₹0.20/pt → ₹28.67/mo
Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.
Best for
- →Marriott Bonvoy collectors
- →Ultra-high spenders
Points → INR Conversion Guide
Marketing says "10X points" — here's what that actually means in your pocket.
dining — 24 pts per ₹150 spend
You spend
₹10,000
You earn
1600 pts
Worth ≈
₹320
@ ₹0.20/point
travel — 5 pts per ₹150 spend
You spend
₹10,000
You earn
333 pts
Worth ≈
₹66.67
@ ₹0.20/point
all — 1 pts per ₹150 spend
You spend
₹10,000
You earn
67 pts
Worth ≈
₹13.33
@ ₹0.20/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.20/pt in calculations.
Still deciding? Compare side-by-side or get a personalized shortlist.
Fees & Charges — Full Disclosure
All amounts in INR. Everything that can reduce your net value.
Joining fee
Charged in first year
₹12,500
Annual / renewal fee
Charged every year unless waived
₹12,500
Forex markup
2%
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user net math
Eligibility Snapshot
Public criteria from Axis Reserve T&Cs — verify current issuance. Bank makes final decision.
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
FAQ
How much can I actually earn with Axis Bank Reserve Credit Card?+
At moderate spend (₹40,000/mo), gross rewards are about ₹2,280/year. After the ₹12,500 annual fee, net value is approximately -₹10,580/year. Use the calculator above to model your own spends.
What is the minimum income for Axis Bank Reserve Credit Card?+
₹1,00,000/month for salaried applicants (indicative — bank decides).
What spends do NOT earn rewards?+
EMI, Fuel, Rent, Wallet.
Does CardHungry pull my CIBIL score?+
No. We use public eligibility criteria only. The bank will check CIBIL when you apply.
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Compare all →Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.