Axis Bank Reserve Credit Card

Axis Bank Reserve Credit Card is best super premium travel credit card in India. The card target high net worth individuals who want luxurious lifestyle. It offers unlimited domestic & International lounge access for primary and add-on card holder and also some guest visit which makes this card unique. This card is purposely designed for traveling provides various membership like Club ITC Culinaire, Accorplus and Club Marriott. Apart from all such benefits it also provide buy 1 get 1 movie ticket on bookmyshow and also Eazydiner prime membership. The card is loaded with huge benefits but also comes with high joining/annual fee so let’s see in details about this card whether it justify its fees or not.

JOINING FEE
Rs. 50000+GST
RENEWAL FEE
Rs. 50000+GST
BENEFITS
Unlimited Domestic and International Lounge also on Add-on card holder.
REWARDS &CASHBACK
Complimentary EazyDiner prime membership & BOGO Movie offer on Bookmyshow.

Features & Benefits

Welcome Benefits

  • Get 15000 Edge Reward points as welcome benefit after card activation.

Membership Benefits

  • Club Marriott Membership: Get 20% on food and beverages at a restaurant for upto maximum of 10  guest and also 20% off on rooms at participating marriott hotels in India and on weekend rates in asia pacific
  • Accor Plus Membership: Get complimentary night stay, 10% off  on all rooms in accor hotels and also room upgrade . Get upto 50% off on dining, a complimentary lunch buffet at any accor hotels in india. 
  • Club ITC Culinaire Membership: Under this membership you will get free 3rd night stay,50% off on published room tariff for suites on weekends, 25% Green Points on Food & Beverage spends and many other benefits.

Airport Lounge and Travel Benefits

  • Airport Lounge Access: Get unlimited domestic airport lounge access, International  lounge access using priority pass. Both domestic and International lounge access will be for primary as well as add-on card holder along with 12 free guest visit/year.
  • Oberoi and Trident Hotel offers: Get 15% off on best available rates on international and domestic oberoi properties, 3rd night stay complimentary also get complimentary room upgrade to next category.
  • Postcard Hotel offers: Get 15% off on best available room rates, anytime complimentary artisanal breakfast, anytime checkin & checkout, complimentary lifestyle consultation.

Fuel Surcharge Waiver

  • Get 1% Fuel surcharge waiver on all fuel transaction between Rs.400 to Rs.4000. Maximum waiver is Rs.400 per month.

Annual Benefits

  • There is spend based waiver of annual fee on spending ₹35 lakh in previous year.

Rewards & Other Benefits

Edge Rewards

  • Get 15 edge rewards point on every ₹200 spent
  • Get 2X rewards points that is 30 rewards point on every ₹200 spent Internationally.
  • You will not get any rewards point on utilities, wallet, fuel, insurance, jewellery, and government institutions.

Dining & Movies

  • Get Eazydiner prime membership upto 25% on premium restaurant accross various cities.
  • Buy 1 Get 1 movies ticket on bookmyshow, maximum ₹500 off on 2nd movie ticket 5 times in a month.

Health & Medical Benefits

  • Get first complimentary information session and 25% discount on health and wellness coaching plans from Weljii.
  • Get referral based services for 2nd medical opinion from the world’s best specialists at reputed international hospitals also get diagnosis at renowned medical institutions like Dr. Lal Pathlabs, Metropolis.
  • Get a global medical assistance accross the world via Axis Bank’s concierge service.

Insurance Benefits

  • Get Purchase protection cover up to Rs. 2 Lakh, loss and delay in baggage & Personal Documents $ 500.
  • Get credit Shield up to Rs. 5 Lakh and lost card liability upto credit limit.

Edge Rewards Redemption

  • The Edge rewards earned can be redeemed for different vouchers on Axis edge reward portal. 1 Edge points = ₹0.2.
  • The Edge rewards can also be converted into edge miles for domestic & International flights in 5:2 ratio that is 5 edge reward points = 2 partner miles.
  • The Miles transfer partner are divided into two groups i.e Group A & Group B. Maximum 5,00,000 Miles can be transfer to partner points per customer id in a year
  • Maximum 1,00,000 Edge miles per customer id cumulatively can be transfer to Group A & 4,00,000 Edge miles per customer id cumulatively can be transfer to Group B in a calendar year.

Fees & Charges

Foreign Currency Markup

  • The card come with high foreign currency markup fee that is 1.5% of total transaction amount. Here the foreign markup fee is very less so it is very good for the International traveller.

Finance Charges & Cash withdrawal Fee

  • Interest rate is 3% per month that is 42.5% per annum.
  • There is no charges for cash withdrawal from ATM.
  • Final Thoughts

Axis bank Reserve credit card is one of the super premium credit card. Being premium credit card it offer unique benefits like Accorplus membership, Club ITC Culinaire Membership, Club Marriott Membership and many more benefits aligned to this credit card which is direct competition with American express platinum credit card and yes bank private credit card which also comes with heft joining/annual fee. The only lower side of this credit card is low redemption value of edge rewards to miles program, many other cards are there like HDFC Infinia which have lower annual/joining fee but better redemption value that is 1:1. Overall the card offer good reward value for heavy spender or who travel more often as they can accumulate enough points and get redeemed for travel benefits.

  • Frequently Asked Questions
What is foreign markup fee for Axis bank Reserve credit card?

The foreign markup fee is very less that is 1.5%, so it is very good for International traveller.

Yes, on spending ₹ 35lakh in previous year the annual fee can be waived off.

Yes there is 1% fee is applicable on paying rent through this credit card capped at ₹1500 per transaction.

12 guest visits are allowed in both domestic as well as International lounge access in a year.

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