Axis Bank Reserve Credit Card Review

Axis Bank’s reserve credit card is a premium travel credit card from Axis bank. this card is specially designed with premium benefits for the most premium customers. This card offers some crazy benefits to its customers like Big reward benefit, free lounge access, exclusive benefits on hotel stays under membership plans, free golf rounds, dining benefit, insurance coverage, health care service, and lots more. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 70 years. 
    • Income: Income more than 9 lacs/annum
  • For self-employed person:
    • Age: 18 to 70 years. 
    • Income: Income more than 9 lacs/annum
  • Good CIBIL score (750 or more). 
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      •  Salary Slip of the last 3 months 
      • ITR
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹30,000 + GST
  • Annual Fee: ₹30,000 + GST


  • Reward benefit:

This card offers huge reward points to its customers, 

You will get 50,000 reward points with the activation and with every renewal of the card. 

For each ₹200 spend with this card, you will get 15 EDGE points. You will also get 2X reward points for international transactions. 

These reward points can be easily redeemed against several items listed in the reward catalog here you can also pay using your reward points at some selected partner’s outlets. 

  • Lounge Access:

With this card you will get unlimited access to most of the international lounges under the priority pass program, also you will get unlimited access to domestic lounges. 

You will get a maximum of 12 free guest visits for both domestic and international lounges. 

  • Benefits on hotels:

This card offers exclusive benefits on hotel bookings. 

  • Membership of Club ITC Culinaire

You will get up to a 50% discount on room tariff on weekends, 25% green points for your spending on foods. 

You will also get a free 3rd-night stay and 10 Bouquet certificates and lots more. 

  • Accor plus Membership

Under this membership, you will get up to a 50% discount on your dining bill, 2 lunch buffet for free at any domestic Accor hotels, a free stay for one night in the Asia Pacific region, complimentary upgrade of room.   

  • Club Marriott Membership for Asia Pacific Region

You will get up to 20% discount on food & beverage, up to 20% discount on hotel rates on weekends in the Asia Pacific region. 

  • Oberoi Hotel membership

You will get a 15% discount on hotel rooms, you will get the same benefit for the rooms with Breakfast facilities, or a free 3rd-night stay. 

You can also save up to 50% on premium suits. 

  • Postcard Hotels

You will get up to 15% savings on your stay at Postcard hotels, you will also get some extra benefits like anytime check-in/check-out, lifestyle consultation (only available in Goa), etc. 

  • Dining benefit:

With this card you can enjoy dining at most of the premium restaurants with up to 25% discount on your dining bills under EazyDiner membership, just enter your membership code to the EazyDiner app to get the benefits. 

You will also get up to 20% discount at more than 4,000 restaurants in India,  

  • Golf Access:

This card gives you 50 free accesses per year to most of the premium golf courses in India. You can book your free golf rounds at 

  • Fuel surcharge waiver:

With this card you can earn up to ₹400 waivers on fuel surcharges in a month, the transaction amount should be between ₹400 & ₹4,000. This offer is applicable at most of the fuel stations in India. 

  • Annual fee waiver: 

If you can spend ₹25 lakh in a year, then you can get a 100% waiver on your annual fees for the next year. 

  • Airport concierge service:

With this card you will get world-class airport concierge service, you will get 8 free VIP assistances at airports, you will get assistance in porter services, immigration process, security check, etc. 

You will also get 4 free luxury airport pick up & drop services with this card.

  • Entertainment:

When you book your movie tickets from BookMyShow with this card, you will get up to ₹500 off on the second ticket. You can get this offer up to 5 times a month. 

Also when you book a non-movie ticket from BookMyShow with this card, you will get up to ₹1000 off on the second ticket. This offer is also available five times a month.

You can get the benefits only on the tickets booked through BookMyShow.  

  • Extraordinary weekends:

With this card, you can have some extraordinary weekend experiences like golf, sailing, unique tours, etc. You can book your weekend at 

  • Insurance Coverage:

This card comes with an air accidental coverage of ₹450lakh, and a credit shield of ₹5 lakh. 

You will also get purchase protection of ₹2 lakh and lost baggage and documents coverage of USD500. 

  • Health benefit:

You will get a free health and wellness session from Weljii and also up to a 25% discount on health coaching plans. 

You can also get some exclusive benefits on your pathological tests at SRL Diagnostics, Metropolis, and Dr. Lal Pathlabs, 

With this card, you will also get some medical advice from world-class doctors, and free medical assistance during travel. 

  • Other benefits:

This card offers a very low currency conversion charge of 1.5%

There are no charges for cash withdrawal. 

It also charges a low interest rate of 2.5% per month. 

  • EMV Chip card:

This card comes with a Built-in EMV chip, this chip is specially designed to add more security to your transactions. Also, this card is 3d secured which means, you will get an OTP whenever you use your card for online transactions.


  • Cash Withdrawal Charge: None. 
  • Finance Charge: 2.5% monthly. 
  • Foreign currency transaction: 1.5% against the transaction amount. 

Contact Details:

Call: 1860-419-5555


Mail: [email protected]

Dispute Resolution Process:

If you notice some unauthorized charges in your account or some billing errors, or if your card is lost or stolen, you should act immediately you can follow the steps given below. 

  1. First of all, contact the customer service authority and describe to them your problem, and follow their instructions. In case of a lost card ask them to block your card immediately. 
  2. If you are not satisfied with the given service, you can take your complaint to the circle nodal officer. You can mail at [email protected] or you can call at +91-080-61865200. 
  3. If you do not get any response from them within 10 days, you can then take your complaint to the principal nodal officer, you can mail it at [email protected] 
  4. If you are still not satisfied at stage 3, you can contact the banking ombudsman. You can find the contact details here  

But before going to the Banking Ombudsman, try to negotiate the issue with the bank.

100XGain Ratings:


Final Opinion:

It is a premium travel credit card for premium customers, this card offers some extraordinary benefits like up to 15 reward points per transaction, unlimited access to domestic and international lounges, up to 25% discount on dining bills, 50 free golf rounds, airport concierge service, and lots more. 

Although the annual fee of the card is high, the benefits offered by the card can easily justify it. So if you are looking for a premium travel credit card, then this card can be your first choice.  But if you think the annual fee of the card is too high then you can go for HDFC Infinia Card or HDFC Diners Club Black Credit Card

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