Route spending through 30 EDGE Reward Points per ₹200 on international spends (Axis page/FAQ).
Earn 2X here — 3.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Super-premium · Premium
AXIS BANK · AXIS BANK RESERVE CREDIT CARD
Axis Bank Reserve Credit Card
ANNUAL FEE
₹50,000 waived at ₹35L spend
FIRST-YEAR NET VALUE
₹37,000 for a mid spender · travel
AXIS BANK Reserve
•••• •••• •••• 4256
VALID THRU 12 / 28
Updated 24 Feb 2026 4 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is Axis Bank's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE 800+ Excellent band preferred
AGE 21 – 70 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹37,000 first-year net value · mid spender · travel
Category rewards ₹27,000
Welcome benefit· Welcome reward points ₹10,000
Annual fee − ₹50,000
Fee waiver (met)· Annual fee waived for next year on spends > ₹35 lakhs ₹50,000
Net first-year value ₹37,000
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 1.50% back on eligible spends 15 pts 15 points per ₹200
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 3.0% back
30 EDGE Reward Points per ₹200 on international spends (Axis page/FAQ) 2X · 3.0%
Everything else (base) · 1.5%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time Axis Bank tweaks the program.
Line up your ₹35L before renewal.
Crossing ₹35L in the anniversary year waives the ₹50,000 fee — automatic for spenders at ₹2,91,667+/month. Watch your pace in months 10–12.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹50,000 · + 18% GST · one-time
Annual fee (year 2+) ₹50,000 · waived at ₹35L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 1.5% · lowest in class
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
unlimited domestic + unlimited international visits per year via Priority Pass. Primary cardholder.
Welcome voucher
₹10,000 Welcome reward points.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹35L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How Axis Bank Reserve Credit Card has changed.
Last verified 24 Feb 2026. Due for review; numbers may have moved.
- 1 Oct 2025 Oberoi hotels and resorts offers discontinued w.e.f. 1 Oct 2025 and complimentary luxury airport transfers w.e.f. 20 Apr 2024 (product page notices). Unlimited domestic lounge visits and unlimited Priority Pass access confirmed; the page carries no fee or earn-rate table, so ₹50,000 fee, ₹35L waiver and EDGE rates were not re-verified. Lifestyle value slightly lower for Oberoi regulars; ranking inputs unchanged
- 20 Jun 2025 Enhanced international spending rewards to 3% (30 ER per ₹200) Improved earning potential on international transactions
- 1 Apr 2025 Zero forex markup introduced Eliminated foreign transaction markup making it best for international usage
- 2024 Enhanced luxury airport transfer services Expanded BMW/Mercedes transfer availability to more metro airports
HOW WE KEEP THIS CURRENT
Last verified 24 Feb 2026. Sources: Axis Bank Most Important Terms and Conditions (MITC) PDF, Axis Bank credit-card feature/benefit/charge revision FAQ PDF, Axis Bank Reserve Credit Card product page, Axis Bank Reserve beyond-expectations benefits page. Next scheduled review: May 2026.