Axis Bank Reserve Credit Card Review

The axis bank reserve credit card is the most premium credit card offered by Axis Bank. Crafted for the notch section of Indian credit card users, This card offers powerful rewards on every transaction, complimentary axis bank priority pass membership that offers unlimited free access to domestic and international lounges, complimentary golf rounds, and mind-blowing deals on hotel booking. More about the axis reserve credit card benefits are discussed below.

What are the axis bank reserve credit card eligibility criteria?

  • Resident Type: Indian. 
  • Axis bank credit card eligibility criteria for salaried person:
    • Age: 18 to 70 years. 
    • Income: Income more than Rs. 9 lakh/annum
  • Axis bank credit card eligibility criteria for self-employed person:
    • Age: 18 to 70 years. 
    • Income: Income more than Rs. 9 lakh/annum
  • A good CIBIL score (750 or more) is required to apply for the reserve axis bank credit card

As you submit your axis bank credit card application, you will get a unique application id. You can use that to track axis bank credit card application online

What documents are required to apply for the axis bank reserve credit card?

  • 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 (Income Tax Return) 
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report.

As per the rbi new rules for credit card issuers, all new credit cards are delivered in an inactive state. And to activate them the users need to generate a new PIN, You can find more about the axis bank card activation process from our faq page.

What are the axis bank reserve credit card fees?

  • Axis reserve credit card joining fee: Rs. 50,000 + GST
  • Axis bank credit card annual fee: Rs. 50,000 + GST

Click here for the most important axis credit card terms and conditions.

What are the axis bank reserve credit card benefits?

  • Get rewarded for every transaction you make:

This axis bank reserve credit card comes with a powerful reward scheme that makes your every transaction rewarding. 

Category of transaction 

Rate of earning reward points 

Every Rs.200 domestic transaction  15 axis bank edge rewards point 
Every Rs.200 international transaction  2X edge reward points 

These axis credit card reward points can be easily redeemed against several items listed in the axis credit card reward points catalog here

  • Make travel comfortable with complimentary lounge access:

This axis bank reserve credit card features a complimentary priority pass membership that gives you unlimited free access to most of the priority pass lounges worldwide. 

Also under the axis bank credit card lounge access program, you will get unlimited free access to most of the domestic airport lounges. You will also get 12 free guest accesses per year. 

  • Get exclusive deals on hotel booking like never before:

This axis bank credit card offers you complimentary memberships to premium hotel programs, the details are given below.

Membership

Benefits

Club itc culinaire membership
  • 50% savings on suite booking on weekends 
  • Earn 25% green points on dining expenses
  • Get a complimentary 3rd-night stay, etc.
Accor plus membership
  • 50% discount on dining expenses
  • Complimentary lunch buffet
  • Free room upgrade
  • Enjoy a free one-night stay at premium hotels
Handcrafted club marriott asia pacific membership
  • 20% discount on hotel booking rates at participating hotels on weekends
  • 20% discount on dining expenses 
Oberoi Hotel and  Resorts.
  • 15% discount on room tariff
  • 50% discount on suite booking
  • Get a complimentary 3rd-night stay
Postcard hotels
  • 15% discount on hotel booking
  • Lifestyle consultation service at premium hotels in Goa
  • Enjoy exclusive deals on dining expenses:

Under the eazydiner prime membership, this axis bank credit card offers up to 25% discount on your dining expenses at premium hotels. 

This axis bank reserve credit card features a complimentary dining delight membership that offers you up to a 20% discount at over 4000 restaurants in India.   

  • Get exclusive deals on movie tickets:

If you use this axis bank credit card to book a movie ticket from BookMyShow, you will get another one completely free. Also, if you book a non-movie ticket, you will get Rs.1,000 off on the second ticket. Both of the axis credit card offers are available 5 times per axis bank credit card billing cycle.

  • Make your weekends entertaining with complimentary golf rounds:

Using this axis reserve credit card you can get up to 50 free accesses to most of the premium golf courses in India. Click here to book your free golf round.

  • Enjoy freedom from fuel surcharges:

If you use this axis bank premium credit card to purchase fuel, you will get a 1% waiver on fuel surcharges. The transaction amount should be between Rs.400 to Rs.4,000, and you can earn a maximum of Rs.400 waiver per axis bank credit card billing cycle.

Clearly, this is not a proper axis bank fuel credit card . So, if you want benefits on fuel then make sure to take a look at our top fuel card page to find out some of the best credit card for fuel in India.

  • Get an opportunity to make your card lifetime free: 

On spending Rs. 25 lakh in a year, you can get a complete waiver on your next year’s axis bank credit card annual fee

  • A multilingual concierge service to assist you:

With your axis bank reserve card you will get world-class airport concierge services to offer you a hassle-free airport experience. You can get 8 complimentary assistance services per year. You will also get 4 complimentary airport pick-up services per year. 

  • Complimentary axis credit card insurance coverage to support you:

This axis bank card comes with a complimentary insurance coverage scheme. The details are given below.

Particulars 

Total coverage amount   

Air accidental death coverage     4.50 Cr.
Purchase protection  Rs.2 lakh 
Loss/delay of baggage  500 USD
Credit shield Rs.5 lakh

Call the axis credit card customer care number to claim the benefits of the coverage.

  • Earn exclusive deals on healthcare categories:

This card gives you up to a 25% discount on all health and wellness coaching plans. This axis credit card also offers exclusive deals at premium international hospitals, Dr. Lal Pathlabs, Metropolis, and lots more. 

  • Security of the advanced EMV chip:

This axis credit card is armed with the advanced EMV chip that uses a very strong encryption method to store your data, making your axis credit card nearly impossible to clone. 

But fraudulent transactions can happen anytime, and if you notice something suspicious with your axis bank credit card account, then you should immediately report it by calling the Axis bank credit card customer care number

You can also block your card temporarily from your axis bank credit card online banking account, click here to know how to block axis bank credit card temporarily?

What are the axis bank reserve credit card charges?

Particulars 

Payable amount

Axis bank credit card cash withdrawal charge. None. 
Axis bank credit card finance charges. The axis bank credit card interest rate is 2.5% monthly.
Foreign currency transaction. 1.5% against the transaction amount.
Axis bank add on credit card. None. 

How to contact the axis customer service department?

  • Axis bank credit card customer care contact number : 1860-419-5555 / 1860-500-5555 / 022-6798-7700 or 040-67174100
  • Axis bank credit card complaint mail idcreditcards@axisbank.com 

100XGain Ratings:

9/10

Pros and cons of this reserve axis bank credit card:

Pros

Cons

  • This axis bank reserve credit card features unlimited free access to domestic and international airport lounges.
  • You will get several free golf rounds every year with this axis bank credit card.
  • There is also a huge discount on dining expenses.
  • The axis bank credit card annual charges are very high.

If you don’t want to continue with your old axis credit card then feel free to take a look at our faq page to know how to close axis bank credit card account permanently?

Final Opinion:

It is a premium axis bank travel credit card for the top-notch customers, this axis bank credit 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. 

Also, the axis bank credit card annual fee of the axis bank credit card is quite high, which makes things difficult for average customers. Therefore we have listed some alternative card options below. Take a look at them and hopefully, you will find your choice. 

Alternative of axis bank reserve credit card: 

  1. Au bank zenith credit card (Best for lounge access and reward point) 
  2. Citi first citizen credit card (Best for reward point and travel benefit) 
  3. ICICI bank ascent american express card (Best for reward point and lounge access) 
  4. RBL igu nhs golf credit card (Best for golf and lounge access)  

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