Axis Bank Reserve Credit Card 2025
Unlock up to ₹1,00,000+ value every year on luxury travel, golf, dining & premium memberships!
For high-spenders seeking ultra-premium travel & lifestyle perks, the Axis Bank Reserve Credit Card delivers elite benefits!
Get unlimited lounge access worldwide (domestic/international for primary + add-on, 12 guest visits), 15 EDGE Points per ₹200 (3% on domestic, 6% international up to cap), 50 golf rounds/year, 1.5% forex fee, complimentary memberships (Accor Plus, Club Marriott, EazyDiner Prime), 50,000 welcome points, and waiver on ₹35L spend.
Perfect for frequent flyers & golf enthusiasts – metal card status!
Why This Is The Best Super-Premium Travel Card in 2025?
Unlimited lounges • 3% domestic rewards • 50 golf rounds • Low 1.5% forex • Premium hotel/dining memberships • 50K welcome points • 45 days interest-free • Waiver on ₹35L spend.
Best for: High-income travelers, golfers, luxury lifestyle users, international shoppers
Card At a Glance
₹50,000 + GST
₹50,000 + GST (waived on ₹35L spend)
3% Domestic (Up to 6% Intl)
1.5% + GST
Unlimited Domestic/Intl
50 Rounds/Year
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹50,000 + GST |
| Annual Fee | ₹50,000 + GST (waived on ₹35L annual spend) |
| Welcome Benefit | 50,000 EDGE Points on activation |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 1.5% + GST |
| Interest Rate | 3.6% per month |
| Lounge Access | Unlimited domestic/intl + 12 guest visits/year |
| Cash Advance Limit | 20% of credit limit |
Detailed Reward Rates (2025)
- 15 EDGE Points per ₹200 on domestic spends (3% value)
- 30 EDGE Points per ₹200 on international spends up to ₹1.5L/month (6% value), then 15
- 1 point = ₹0.20 cashback / up to ₹1+ on airmiles (5:4 ratio)
- No points on rent (>₹1L), wallet, gold, fuel, utilities, govt, insurance
- Points valid 3 years; transfer to airlines/hotels (max 1L-4L/year)
- EMI transactions ineligible for points
Airport Lounge Access
- Unlimited complimentary visits to domestic lounges (primary + add-on)
- Unlimited international lounge access via Priority Pass (primary + add-on)
- 12 guest visits/year (domestic & international)
- Valid for departures/arrivals; no spend criteria
Insurance & Protection Benefits
- ₹5 Cr air accident cover + ₹50L emergency overseas hospitalization
- ₹2.5 Cr personal accident cover
- ₹50L transit accident cover
- Zero lost card liability + 3 free add-on cards
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Unlimited global lounge access | High ₹50K fee (steep waiver) |
| 50 golf rounds + premium memberships | Intl rewards capped at ₹1.5L/month |
| Low 1.5% forex + high-value redemptions | No fuel waiver or movie BOGO |
| 50K welcome points (₹10K+ value) | Devaluations in 2024-2025 reduced perks |
| Metal card + concierge service | Hard approval for non-Burgundy users |
Eligibility Criteria & Documents Required
- Age: 18-70 years (salaried/self-employed)
- Min Annual Income: ₹24L (salaried) / ₹30L (self-employed)
- Credit Score: 750+ (Burgundy/Private preferred)
- Documents: PAN, Aadhaar, ITR/Salary slips, Bank statements
How to Apply Online (5-Minute Process)
- Visit Axis Bank website or app (Burgundy login for priority)
- Fill details & check eligibility/pre-approval
- Upload docs + video KYC
- Card delivered in 7-10 days (metal card)
Final Verdict – Should You Get It in 2025?
If you spend ₹25L+ yearly on travel/dining & value golf/lounges, extract ₹75,000–₹1.5L value annually. Top-tier super-premium card post-devaluations – ideal for UHNI with Axis relationship!
Frequently Asked Questions (FAQs)
Is lounge access truly unlimited?
Yes, domestic & international for primary/add-on; 12 guest visits/year.
Fee waiver easy?
On ₹35L annual spend; tough but achievable for high-spenders.
Best redemption value?
Up to 1:1 airmiles/hotels; ₹0.80-1.20/point on transfers.
Golf for beginners?
50 rounds at select courses; lessons/privileges included.