Axis BankVisaReserve Credit Card
3.5NeoFinQ editorial rating
Ultra-premium card with unlimited global lounges, 1.5% forex, and luxury memberships
- Unlimited domestic + international lounge access (12 guest visits/year)
- Low forex markup (1.5%)
- 15 EDGE Points/₹200, 2X international
- ITC Culinaire, Accor Plus, Club Marriott memberships
- Airport concierge, golf privileges
- Joining fee
- ₹50,000
- Annual fee
- ₹50,000
- Reward type
- points
- Best for
- Travel
- Est. rewards
- ₹17,500/yr
Our verdict
Top-tier ultra-premium card for globetrotters with unlimited lounges, 1.5% forex, and luxury hotel memberships.
Perfect for
- High-net-worth frequent travelers
- Users seeking unlimited global lounges, low forex, luxury memberships
Not ideal for
- Users seeking lifetime free or low-fee cards
- Moderate spenders unable to meet ₹35L waiver
Pros & cons
- Unlimited domestic + international lounge access (12 guest visits/year)
- Low forex markup (1.5%)
- 15 EDGE Points/₹200, 2X international
- ITC Culinaire, Accor Plus, Club Marriott memberships
- Airport concierge, golf privileges
- ₹50,000 + GST fee
- Waiver requires ₹35L annual spend
- Rewards exclusions on fuel, rent, wallet, govt
Rewards
15 EDGE Reward points per ₹200 spent. Spends on rent, insurance, fuel, utilities, and educational services are excluded from earning reward points.
| Category | Earn rate |
|---|---|
| Shopping | 5% |
| Travel | 5% |
| Online Shopping | 5% |
Welcome offer
50,000 EDGE Reward Points on activation and annual fee payment
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- Unlimited domestic and international lounge access for primary and add-on members + 12 guest visits
More benefits
- Welcome Bonus: 50,000 EDGE Reward Points on activation and annual fee payment
- Milestone: Effective April 20, 2024, the EDGE Reward points to Miles transfer ratio for Reserve changed to 5:2 for most partners and 5:1 for others, except for Burgundy Private customers who retain a 5:4 ratio.
- Additional Benefits: ITC Culinaire, Club Marriott, Accor Plus memberships; concierge; golf
Fees & charges
| Joining fee | ₹50,000 |
| Annual fee | ₹50,000 |
| Renewal fee | ₹50,000 |
| Fee waiver | No standard annual fee waiver; some cases waived on ₹35L annual spend. |
Eligibility
Min. income (annual)
₹35L
Employment
Salaried / Self Employed
Frequently asked questions
What lounge access does Reserve provide?
Unlimited domestic + international via Priority Pass; 12 guest visits/year combined.
How is the annual fee waived?
Spend ₹35L in the preceding year.
What is the forex markup?
1.5% — low for premium cards.
Similar cards
Axis BankMagnus Burgundy Credit Card
Annual Fee
₹30,000
Est. Rewards
₹24,000/yr
Axis BankPrivilege Credit Card
Annual Fee
₹1,500
Est. Rewards
₹19,500/yr
HDFC BankTata Neu Plus Credit Card
Annual Fee
₹499
Est. Rewards
₹21,500/yr
IDFC FIRST BankMillennia Credit Card
Annual Fee
₹0
Est. Rewards
₹19,500/yr
Not sure this is the one?
Let NeoFinQ check the fit — answer a few questions about your spending and we'll rank every card for you. 60 seconds, no credit-score impact.
Find My Best CardReserve Credit Card
Annual fee ₹50,000