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Axis Bank Reserve Credit Card

Axis Bank Reserve Credit Card

India's most exclusive credit card offering unparalleled luxury, bespoke concierge services, and exceptional rewards for the ultra-affluent

Rewards

Rewards

Earn up to 15 EDGE Miles per ₹200 on spends with exceptional transfer ratios

Travel

Travel

Complimentary hotel nights, fine dining experiences, and global lifestyle privileges

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Key Highlights

Important benefits and features of this credit card
BenefitDetails
Elite Rewards ProgrammeEarn 15 EDGE Miles per ₹200 on all eligible spends (7.5% value with 1:4 transfer ratio). One of India's highest base reward rates for ultra-premium cards.
Exclusive Welcome BenefitsReceive premium welcome benefits including luxury hotel vouchers, bonus EDGE Miles, and complimentary memberships upon card activation.
Unlimited Global Lounge AccessAccess over 1,300 airport lounges worldwide through Priority Pass with unlimited visits for primary and add-on cardholders, plus complimentary guest access.
Complimentary Hotel NightsEnjoy complimentary luxury hotel stays at premium properties worldwide, including Taj, ITC, and international hotel chains.
Dedicated Reserve ConciergeAccess to an elite concierge team available 24/7 for bespoke travel planning, exclusive event access, restaurant reservations, and lifestyle services.
Premium MembershipsComplimentary Taj InnerCircle Platinum, ITC Culinaire, and international luxury hotel programme memberships renewed annually.
Golf & Leisure PrivilegesUnlimited golf rounds at select clubs, complimentary golf lessons, access to exclusive sporting events, and premium leisure experiences.
Fine Dining ExperiencesCurated fine dining experiences at Michelin-starred restaurants and exclusive chef's table reservations worldwide.
Luxury Airport TransfersComplimentary chauffeur-driven luxury transfers in select cities globally, ensuring seamless travel experiences.
Comprehensive Travel InsuranceExtensive travel insurance coverage including medical emergencies, trip cancellations, lost baggage, and emergency assistance worldwide.

Categorisation

Card classification and attributes
AttributeClassification
Issuer / ProviderAxis Bank
Bank / Non-bankBank-affiliated
CategoryUltra-Premium / Invitation-Only
Type of CardSuper Premium Credit Card (Invitation-Only, Visa Infinite variant)
Free or Paid₹50,000 + GST Annually (No waiver conditions; invite-only issuance)

What This Card Is Best For

The Axis Bank Reserve Credit Card represents the pinnacle of premium banking in India, designed exclusively for ultra-high-net-worth individuals who demand the absolute finest in luxury travel, lifestyle privileges, and personalised service. Available strictly by invitation to select Axis Bank Burgundy Private clients, this card offers India's highest standard reward rate of 7.5% through EDGE Miles, complemented by extraordinary benefits including complimentary luxury hotel stays, unlimited golf privileges, dedicated Reserve Concierge services, and access to exclusive experiences unavailable to the general public. With its substantial annual fee of ₹50,000 + GST and no fee waiver provision, the Reserve card is ideal for ultra-affluent individuals who spend several lakhs monthly, travel extensively in luxury, and value bespoke concierge services and exclusive access above all else. 

Overview 

Industry-Leading Reward Rate: The Reserve card delivers an exceptional 15 EDGE Miles per ₹200 spent on virtually all eligible purchases, translating to a remarkable 7.5% return when miles are transferred to partner programmes at the preferential 1:4 ratio. This represents one of the highest base reward rates available on any Indian credit card. 

Invitation-Only Exclusivity: Unlike cards available through standard applications, the Reserve is issued exclusively by invitation to select Axis Bank Burgundy Private clients who meet stringent wealth and relationship criteria, ensuring an elite cardholder community. 

Complimentary Luxury Hotel Stays: Cardholders receive multiple complimentary nights annually at luxury properties including Taj, ITC, Oberoi, and select international hotel chains, with values often exceeding several lakhs. 

Unlimited Golf Privileges: Enjoy unlimited complimentary golf rounds at premium clubs across India, complimentary lessons with professional instructors, and access to exclusive golf tournaments and events. 

Dedicated Reserve Concierge: Access an elite concierge team providing white-glove service for complex travel arrangements, impossible restaurant reservations, last-minute flight changes, private event access, and personalised lifestyle assistance available 24/7/365. 

Premium Hotel Memberships: Receive complimentary top-tier memberships including Taj InnerCircle Platinum (offering room upgrades, late checkout, and guaranteed availability), ITC Culinaire, and potential status matches with international luxury hotel programmes. 

Global Airport Benefits: Unlimited access to over 1,300 airport lounges worldwide through Priority Pass, complimentary meet-and-greet services at major airports, expedited immigration assistance, and luxury lounge suite access at select locations. 

Chauffeur-Driven Transfers: Complimentary luxury airport transfers in premium vehicles (Mercedes-Benz S-Class, BMW 7 Series, or equivalent) in major cities across India and select international destinations. 

Exclusive Dining Experiences: Access curated fine dining experiences including chef's table reservations, Michelin-starred restaurant bookings, wine tasting events, and exclusive culinary experiences with renowned chefs. 

Comprehensive Travel Protection: Extensive insurance coverage including international medical emergencies up to substantial limits, trip cancellation and interruption, lost baggage, flight delays, and 24/7 emergency assistance worldwide. 

Annual Celebration Benefits: Substantial renewal benefits including luxury hotel vouchers, bonus EDGE Miles, and exclusive experience vouchers, ensuring continued value for loyal cardholders. 

Rewards and Benefits 

Earning EDGE Miles 

Elite Base Rate: Earn 15 EDGE Miles for every ₹200 spent on eligible domestic and international purchases. When transferred to airline or hotel partners at the exceptional 1:4 ratio, this provides an industry-leading 7.5% return on spending. 

Universal Earning: Unlike cards with category-based earning, the Reserve card's 15 EDGE Miles per ₹200 applies consistently across nearly all spend categories, providing simplicity and maximising rewards on all qualifying transactions. 

No Caps or Thresholds: The reward earning rate applies from the first rupee spent with no monthly thresholds to unlock accelerated rates and no earning caps, allowing unlimited accumulation for ultra-high spenders. 

International Transactions: Earn the same premium 15 EDGE Miles per ₹200 on international spends, effectively delivering approximately 5.5% net returns after accounting for foreign exchange markup. 

Minimum Redemption: A minimum of 500 EDGE Miles is required to begin redeeming or transferring points, a negligible threshold for Reserve cardholders. 

Transfer Partners: Each EDGE Mile converts to 4 partner points when transferred to participating airline or hotel loyalty programmes, significantly enhancing redemption value and enabling access to premium award seats and luxury hotel stays. 

Annual Transfer Flexibility: Maximum of 7.5 lakh EDGE Miles can be transferred per calendar year per customer ID, though this limit can potentially be revised for Reserve cardholders upon request to relationship managers. 

Redeeming EDGE Miles 

Travel EDGE Platform: Access the dedicated Axis Travel Edge portal where EDGE Miles can be redeemed directly for premium cabin flight bookings and luxury hotel stays, or transferred to partner loyalty programmes at the preferential 1:4 conversion ratio. 

Premium Partner Transfers: Transfer accumulated miles to over 15 airline and hotel loyalty programmes including major Indian carriers (Vistara, Air India), international airlines, and luxury hotel chains. The 1:4 ratio ensures maximum value extraction, particularly valuable for business and first-class award bookings. 

Concierge-Assisted Redemptions: Utilise the Reserve Concierge for complex award bookings, multi-city itineraries, and maximising mile value through strategic transfers and partner programme nuances. 

Rewards Catalogue: Alternatively, redeem EDGE Miles through the Axis Bank Rewards Catalogue for luxury products, fine jewellery, premium electronics, and exclusive experiences, though direct transfers typically provide superior value. 

Miles Validity: EDGE Miles remain valid for an extended period, allowing strategic accumulation for high-value redemptions such as international first-class awards or luxury hotel stays during peak seasons. 

Welcome Benefits 

Luxury Hotel Vouchers: Receive substantial welcome benefits including luxury hotel vouchers (often ₹25,000-50,000 value) redeemable at Taj, ITC, or partner properties upon card activation and first transaction. 

Bonus EDGE Miles: Substantial welcome bonus of EDGE Miles (typically 10,000-25,000 miles depending on invitation criteria) credited upon meeting initial spending requirements, equivalent to significant value when transferred to partners. 

Premium Memberships: Complimentary enrollment in elite hotel and lifestyle programmes including Taj InnerCircle Platinum, ITC Culinaire, and potentially international luxury hotel status. 

Activation Requirements: Welcome benefits are typically credited upon making specified transactions within 60-90 days of card activation, with specific requirements communicated during the invitation process. 

Annual Renewal Benefits 

Substantial Hotel Vouchers: Annual renewal benefits include luxury hotel vouchers (₹25,000-50,000 value) at Taj, ITC, or partner properties, ensuring continued value proposition despite the high annual fee. 

Bonus Miles: Receive substantial bonus EDGE Miles annually (typically 10,000-25,000 miles) upon card anniversary and meeting minimum transaction requirements. 

Membership Renewals: Complimentary renewal of premium memberships including Taj InnerCircle Platinum and ITC Culinaire, avoiding annual membership fees often exceeding ₹25,000. 

Exclusive Experience Vouchers: Potential access to exclusive experiences such as fine dining events, cultural performances, sporting events, or luxury retreats as part of annual benefits. 

Airport Lounge Access 

Unlimited Global Access: Primary and add-on cardholders enjoy unlimited complimentary access to over 1,300 airport lounges worldwide through Priority Pass, including premium lounges in business and first-class categories. 

Complimentary Guest Access: Depending on programme specifics, bring multiple guests to lounges without additional charges, a valuable benefit for family travel. 

Premium Lounge Suites: Access to exclusive lounge suites and private spaces at select airports in India and internationally, offering enhanced privacy, personalised service, and premium amenities. 

Meet & Assist Services: Complimentary airport concierge services including meet-and-greet, expedited check-in, security fast-track, and boarding assistance at major airports across India and select international destinations. 

Immigration Assistance: Fast-track immigration clearance at select airports, reducing wait times during international travel. 

Luxury Hotel Benefits 

Complimentary Hotel Nights: Receive multiple complimentary nights annually at luxury properties (typically 3-6 nights depending on programme) including Taj, ITC, Oberoi, and select international hotels, with potential room category upgrades. 

Taj InnerCircle Platinum: Complimentary top-tier membership providing guaranteed room availability (subject to advance booking), room upgrades, late checkout until 4 PM, welcome amenities, dining credits, and preferential rates across Taj properties worldwide. 

ITC Hotels Benefits: Complimentary ITC Culinaire membership offering substantial dining discounts, room upgrade privileges, spa discounts, and preferential treatment across ITC's luxury hotel portfolio in India. 

International Hotel Status: Potential complimentary elite status or status matches with international luxury hotel programmes such as Marriott Bonvoy, Hilton Honours, or independent luxury hotel collections. 

Hotel Booking Credits: Annual hotel booking credits or vouchers that can be applied towards luxury hotel stays worldwide, often with added value through strategic redemptions. 

Golf Privileges 

Unlimited Golf Rounds: Unlike cards offering limited golf rounds, Reserve cardholders typically enjoy unlimited complimentary golf rounds at select premium clubs across major Indian cities including Delhi NCR, Mumbai, Bangalore, Chennai, Hyderabad, and Pune. 

Complimentary Lessons: Access to complimentary professional golf lessons at participating clubs, valuable for both improving existing skills and introducing family members to the sport. 

Tournament Access: Invitations to exclusive golf tournaments, pro-am events, and golf networking sessions with fellow Reserve cardholders and corporate leaders. 

Global Golf Privileges: Potential access to golf courses internationally through partnerships with luxury golf resorts and clubs worldwide. 

Flexible Booking: Priority booking privileges at participating clubs, ensuring tee time availability even during peak periods and weekends. 

Luxury Airport Transfers 

Complimentary Chauffeur Service: Multiple complimentary luxury airport transfers annually (typically 6-12 transfers) in premium vehicles such as Mercedes-Benz S-Class, BMW 7 Series, Audi A8, or equivalent. 

Major City Coverage: Service available in major Indian cities including Delhi NCR, Mumbai, Bangalore, Chennai, Hyderabad, Kolkata, and Pune, with potential international coverage in select destinations. 

Advance Booking: Reserve transfers through the dedicated Reserve Concierge with advance notice, ensuring vehicles are available during peak travel periods and last-minute requirements. 

Additional Transfers: Beyond complimentary entitlements, book additional transfers at preferential rates through the concierge service. 

Dedicated Reserve Concierge 

24/7 Elite Service: Access to a dedicated Reserve Concierge team (separate from standard credit card services) providing white-glove assistance for complex requirements and last-minute requests. 

Travel Planning: Comprehensive travel planning including multi-destination itineraries, private jet and yacht charter arrangements, luxury hotel bookings, restaurant reservations, and activity planning. 

Exclusive Access: Assistance securing tickets to sold-out events, exclusive cultural performances, major sporting events, fashion shows, and private viewings at museums and galleries. 

Restaurant Reservations: Access to impossible-to-book restaurants including Michelin-starred establishments, chef's tables, and exclusive dining experiences globally. 

Lifestyle Services: Gift sourcing, personal shopping assistance, event planning, celebration arrangements, and bespoke experiences tailored to individual preferences. 

Emergency Assistance: Immediate support during travel disruptions including flight rebooking, hotel arrangements during cancellations, medical referrals, and emergency cash advances. 

Relationship Manager Coordination: Seamless coordination with Axis Bank Burgundy Private relationship managers for integrated banking and card services. 

Fine Dining & Entertainment 

Curated Dining Experiences: Access to exclusive dining events including chef's table experiences, wine-pairing dinners, culinary masterclasses with renowned chefs, and private dining rooms at luxury restaurants. 

Restaurant Partnerships: Substantial discounts and privileges at premium restaurants through Axis Dining Delights and exclusive Reserve card partnerships, often including complimentary courses or beverages. 

Culinary Journeys: Invitations to exclusive culinary travel experiences, food festivals, wine tasting events, and gastronomic tours in India and internationally. 

Entertainment Access: Priority booking and preferential seating for theatre performances, concerts, art exhibitions, and cultural events, with potential complimentary tickets to select events. 

Lifestyle Events: Invitations to exclusive Axis Bank Reserve cardholder events including networking sessions, luxury brand previews, and experiences with industry leaders. 

Travel & Lifestyle Insurance 

Comprehensive Air Accident Cover: Substantial coverage (often ₹3-5 crores) for air travel-related accidents when tickets are purchased using the Reserve card. 

International Medical Insurance: Extensive overseas medical and hospitalization coverage (typically $500,000-$1,000,000) including emergency evacuation and repatriation. 

Trip Cancellation & Interruption: Coverage for non-refundable trip costs when cancellations occur due to covered reasons including medical emergencies, natural disasters, or other unforeseen circumstances. 

Lost Baggage Protection: Substantial coverage for lost, stolen, or damaged baggage during travel, with expedited claims processing through the Reserve Concierge. 

Flight Delay Compensation: Coverage for expenses incurred due to flight delays exceeding specified hours, including meals, accommodation, and essential purchases. 

Purchase Protection: Comprehensive coverage against theft or accidental damage of items purchased using the card within a specified period (typically 90-180 days). 

Extended Warranty: Automatic extension of manufacturer's warranty on eligible purchases, doubling coverage periods for enhanced peace of mind. 

Lost Card Liability: Zero liability protection against fraudulent transactions following card loss or theft, with emergency card replacement worldwide within 24-48 hours. 

24/7 Emergency Assistance: Global emergency assistance services including medical referrals, legal assistance, emergency cash advances, and travel arrangements during crises. 

Additional Exclusive Benefits 

Luxury Brand Partnerships: Exclusive privileges with luxury brands including private shopping experiences, pre-launch access to collections, and preferential pricing at select boutiques. 

Spa & Wellness: Complimentary spa treatments, wellness retreat vouchers, and discounts at premium spas and wellness centres across India and internationally. 

Personal Styling: Access to personal styling services, wardrobe consultations, and private shopping sessions at luxury department stores and boutiques. 

Automotive Privileges: Preferential rates on luxury car rentals, complimentary upgrades, and potential access to exclusive automotive events and test drives. 

Art & Culture: Private gallery viewings, art auction previews, museum after-hours access, and invitations to exclusive cultural events. 

Educational Experiences: Access to masterclasses, workshops, and educational sessions with industry experts, thought leaders, and creative professionals. 

Fuel Benefits 

Fuel Surcharge Waiver: 1% fuel surcharge waived on transactions at authorised petrol pumps across India, subject to minimum and maximum transaction limits as per bank policy. 

Note on Rewards: Fuel purchases may have specific earning structures or limitations as per Reserve card terms and conditions. 

Exclusions for EDGE Miles 

EDGE Miles earning may be limited or excluded on the following transaction categories (specific to Reserve card terms): 

  • Cash withdrawals and cash advances 

  • EMI conversions and loan payments 

  • Card fees and charges 

  • Transaction reversals and refunds 

  • Rent payments (may have specific earning rates) 

  • Wallet loads beyond specified limits 

  • Certain government payments 

  • Any other category specified by Axis Bank 

Note: The Reserve card typically has fewer exclusions compared to other Axis Bank cards, with most legitimate spending categories earning the full 15 EDGE Miles per ₹200 rate. Specific exclusions are detailed in the card's terms and conditions provided during invitation. 

 

Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice. As an invitation-only product, specific benefits may vary based on individual invitation terms and relationship with Axis Bank. 

Fees & Charges of Axis Bank Reserve Credit Card

All applicable fees for this credit card
Fee TypeAmountDetails
Joining Fee₹50,000 + GST (~₹59,000)One-time charge when the card is issued by invitation.
Annual Fee₹50,000 + GST (~₹59,000)Charged every year with no spend-based waiver conditions. Substantial renewal benefits effectively offset the fee for active users.
Add-on Card FeeFirst 3 cards complimentary; ₹50,000 + GST per subsequent add-onFee for additional cardholders on the account (typically up to 5 add-on cards permitted).
Interest Rate (APR)1.5% to 3.49% per month (18% to 41.88% annually)Applicable on outstanding balances after the due date. Reserve cardholders are expected to pay in full.
Foreign Currency Markup2% + GST (~2.36%)Standard markup on foreign currency transactions. Competitive rate for international spending.
Cash Withdrawal Fee2.5% of cash amount (Minimum ₹500)Applicable on cash withdrawals from ATMs or banks. Not recommended for Reserve cardholders.
Cash Advance LimitAs per bank's policy (typically very high)Maximum cash withdrawal permitted based on credit limit.
Late Payment FeeUp to ₹1,300 based on outstanding amountCharged when minimum amount due is not paid by the due date. Scales with outstanding balance.
Over-limit Penalty2.5% of over-limit amount (Minimum ₹500)Charged when spending exceeds sanctioned credit limit. Reserve cards typically have very high limits.
Cheque Return/Dishonour Fee2% of payment amount (Minimum ₹500)Charged when payment cheque bounces or auto-debit instruction fails.
Duplicate Statement ChargesWaived for Reserve cardholdersTypically complimentary for Reserve cardholders; standard policy may apply.
EDGE Miles Redemption FeeWaived for Reserve cardholdersFee waived on all redemption transactions through rewards catalogue.
EDGE Miles Transfer Fee₹199 per transfer transaction or waivedApplicable when transferring miles to airline or hotel partners; may be waived for Reserve cardholders.
Rent Transaction FeeAs per Reserve card policyMay have preferential treatment compared to other Axis Bank cards.
Wallet Load FeeAs per Reserve card policyMay have preferential treatment or higher thresholds compared to standard cards.
Goods & Services Tax (GST)18% on most fees and chargesApplicable on annual fee, other charges, and foreign currency markup.

Eligibility Criteria for Axis Bank Reserve Credit Card

Requirements to apply for this card
CriteriaDetails
Invitation-Only
The Reserve card is issued exclusively by invitation to select individuals. It cannot be applied for through standard channels.
Banking Relationship
Requires Axis Bank Burgundy Private banking relationship with substantial assets under management (typically several crores).
Age
Primary cardholder should be between 21 and 70 years of age.
Citizenship
Must be a Resident of India.
Net Worth
Ultra-high net worth individuals with substantial investable assets, annual income exceeding ₹1 crore, or demonstrated high-value relationship with Axis Bank.
Credit Profile
Impeccable credit history with CIBIL score of 800+ and no defaults or delinquencies.
Spending Profile
Demonstrated high monthly credit card spending (typically ₹5 lakhs+ monthly) or strong relationship value with Axis Bank.
Relationship Manager Nomination
Typically nominated by Axis Bank Burgundy Private relationship managers based on client profile and relationship value.

Required Documents

Documents needed for application
Document TypeDetails
Identity ProofAny one of the following: Aadhaar Card, PAN Card (mandatory), Passport, Driving Licence
Address/Residence ProofAny one of the following: Aadhaar Card, Passport, Driving Licence, Recent Utility Bill (within 3 months), Property documents
Income ProofLatest salary slips (last 3-6 months) / Bank statements (last 12 months) / Form 16 / Income Tax return copy (last 3 years) / Audited financial statements / Wealth statements
PAN CardMandatory for credit card issuance as per RBI regulations and income tax requirements.
PhotographRecent passport-size photographs.
Business Proof (if applicable)Business registration documents, GST registration, audited financials, company incorporation certificates for business owners and professionals.
Asset DocumentationInvestment portfolios, property documents, demat account statements, or other documentation demonstrating substantial net worth may be requested.

How To Apply for Axis Bank Reserve Credit Card

Follow these simple steps to apply for this card
1

Invitation-Only Issuance: The Reserve card is issued exclusively by invitation from Axis Bank to select high-net-worth individuals who meet stringent eligibility criteria.

2

Burgundy Private Relationship: Establish an Axis Bank Burgundy Private banking relationship with substantial assets under management (typically several crores). Maintain active engagement with your relationship manager.

3

Demonstrate High Value: Showcase high credit card spending patterns, significant banking relationship value, substantial investments with Axis Bank, or overall financial profile worthy of ultra-premium services.

4

Relationship Manager Assessment: Your Axis Bank Burgundy Private relationship manager will evaluate your profile, spending patterns, banking relationship, and overall fit for the Reserve card programme.

5

Receive Invitation: If selected, you will receive a formal invitation from Axis Bank outlining the Reserve card benefits, terms, and conditions specific to your invitation.

6

Documentation & Approval: Upon accepting the invitation, provide any required documentation (often minimal for existing clients) and complete the approval process facilitated by your relationship manager.

7

Card Activation: Once approved, your Axis Bank Reserve Credit Card will be delivered through secure channels, often hand-delivered by your relationship manager with a personalised onboarding session.

8

Concierge Introduction: Receive introduction to your dedicated Reserve Concierge team and comprehensive briefing on maximising card benefits and exclusive privileges.

How To Use the Axis Bank Reserve Credit Card

Tips to maximize your card benefits
Usage TipsDetails
Maximise Every Transaction
With 15 EDGE Miles per ₹200 on nearly all spends (7.5% return), use the Reserve card as your primary payment method for all eligible purchases to accumulate substantial miles rapidly.
Strategic International Spending
The 7.5% reward rate minus 2% forex markup provides approximately 5.5% net returns on international spends, making it excellent for overseas luxury purchases, hotel stays, and shopping.
Leverage Concierge Proactively
Don't wait for travel emergencies—use the Reserve Concierge for all travel planning, restaurant bookings, event access, and lifestyle services. The concierge team's connections and expertise are key differentiators.
Plan Complimentary Hotel Stays
Strategically use your annual complimentary luxury hotel nights at Taj, ITC, or partner properties during peak seasons or special occasions to maximise value (often ₹25,000-75,000 per night value).
Activate Premium Memberships
Immediately register your Taj InnerCircle Platinum, ITC Culinaire, and other complimentary memberships upon card activation to begin enjoying benefits across all stays and dining.
Utilise Unlimited Golf
Take full advantage of unlimited golf privileges at premium clubs, scheduling regular rounds and lessons to extract maximum value from this exclusive benefit.
Book Luxury Transfers
Schedule your complimentary luxury airport transfers well in advance, especially during holidays and peak travel periods when demand is high.
Transfer Miles to Partners
Transfer accumulated EDGE Miles to airline and hotel partners at the 1:4 ratio for maximum value, particularly for premium cabin awards and luxury hotel redemptions during high season.
Access Exclusive Lounges
Utilise Priority Pass for unlimited lounge access, seeking out premium lounges, suites, and spa facilities available at major airports worldwide.
Coordinate with Relationship Manager
Maintain regular communication with your Axis Bank Burgundy Private relationship manager to stay informed about exclusive Reserve cardholder events, promotions, and new benefits.
Pay in Full Always
As an ultra-premium cardholder, always clear your entire statement balance monthly to avoid interest charges and maintain impeccable credit profile. Interest charges would negate reward earnings.
Leverage Insurance Coverage
Be aware of your extensive travel insurance coverage and use the concierge for claims assistance when needed, ensuring smooth processing of any insurance requirements.
Track Annual Benefits
Monitor your annual renewal benefits including hotel vouchers, bonus miles, and exclusive experiences to ensure timely utilisation before expiry.
Access Exclusive Events
Accept invitations to Reserve cardholder exclusive events including networking sessions, luxury brand previews, fine dining experiences, and cultural programmes.
Request Concierge Research
For major purchases, travel decisions, or lifestyle choices, request research and recommendations from your concierge team who can provide expert insights and exclusive access.

Things To Know

Important information about this card
  • Ultra-Premium Positioning: The Reserve card has India's highest annual fee (₹50,000 + GST) among widely offered credit cards. Ensure you'll utilise the extensive benefits to justify this substantial cost, requiring significant spending and engagement with luxury benefits.
  • Invitation-Only Exclusivity: This card cannot be applied for through normal channels. It's offered exclusively by invitation to select Axis Bank Burgundy Private clients, typically those with assets under management exceeding several crores or exceptional banking relationships.
  • No Fee Waiver Ever: Unlike many premium cards, the Reserve offers absolutely no spend-based annual fee waiver. The ₹50,000 + GST fee is non-negotiable, though substantial renewal benefits effectively offset costs for active luxury travellers.
  • Burgundy Private Requirement: Receiving an invitation typically requires maintaining an Axis Bank Burgundy Private relationship with its own minimum balance requirements (often ₹25-50 lakhs+ depending on product type) and relationship value expectations.
  • Exceptional Base Rewards: The 15 EDGE Miles per ₹200 (7.5% return) represents one of India's highest base reward rates, but value is maximised only through strategic partner transfers at the 1:4 ratio, not catalogue redemptions.
  • Luxury Lifestyle Focus: The card's value proposition is heavily weighted towards luxury travel (complimentary hotel nights, unlimited golf, airport transfers, lounge access) and concierge services. Those not utilising these benefits extensively may find limited value despite high rewards.
  • Concierge is Key: The dedicated Reserve Concierge service is a primary differentiator. Proactive engagement with concierge services for travel planning, reservations, and exclusive access is essential to extract maximum value.
  • Complimentary Nights Strategy: The annual complimentary luxury hotel nights typically have blackout dates, booking restrictions, and advance notice requirements. Strategic planning maximises value, potentially delivering ₹1-3 lakhs worth of stays annually.
  • Limited Exclusions: Unlike Magnus or other cards with extensive exclusions, Reserve typically earns rewards on most categories, making it suitable as a primary card for all spending.
  • High Credit Limits: Reserve cards typically come with credit limits in the range of ₹10-50+ lakhs, accommodating ultra-high spending patterns including jewellery, luxury goods, international travel, and high-value purchases.
  • Relationship Manager Support: Your Axis Bank Burgundy Private relationship manager serves as your primary banking contact, coordinating between banking services, investment products, and Reserve card benefits for seamless service.
  • Elite Cardholder Community: Reserve cardholders form an exclusive community, with networking opportunities through cardholder events, golf tournaments, fine dining experiences, and cultural programmes.
  • International Recognition: As a Visa Infinite product, the Reserve card provides global acceptance and recognition, with potential access to Visa Infinite concierge services and exclusive experiences worldwide.
  • Benchmarking Against Competitors: Compare Reserve against other ultra-premium cards like HDFC Bank Infinia Metal, Axis Bank Olympus, or bank-specific invitation-only cards. Reserve's combination of reward rate, hotel benefits, and golf privileges is distinctive.
  • Long-term Value Proposition: The card delivers maximum value over extended periods for those who consistently spend several lakhs monthly, travel extensively in luxury, maintain active golf schedules, and engage with exclusive experiences.

The Axis Bank Reserve Credit Card is designed for users who want to maximize their credit card benefits effectively.

Do's

  • Use the Reserve card for virtually all eligible spending to maximise the exceptional 15 EDGE Miles per ₹200 earning rate
  • Proactively engage your dedicated Reserve Concierge for travel planning, restaurant bookings, event access, and lifestyle services
  • Transfer EDGE Miles to airline or hotel partners at the 1:4 ratio to maximise redemption value for premium cabins and luxury stays
  • Strategically book complimentary luxury hotel nights during peak seasons or special occasions to extract maximum value
  • Maintain regular communication with your Burgundy Private relationship manager for integrated banking and card services
  • Utilise unlimited golf privileges extensively, scheduling regular rounds and lessons at premium clubs
  • Activate and maximise usage of complimentary memberships including Taj InnerCircle Platinum and ITC Culinaire
  • Plan international luxury purchases strategically, using the card for high-value items where 5.5% net returns add substantial savings
  • Use Priority Pass for unlimited lounge access globally, seeking premium lounges and spa facilities at major airports
  • Request Concierge assistance for 'impossible' reservations and exclusive access to sold-out events

Don't

  • Avoid allowing the card to sit unused—the ₹50,000 + GST annual fee demands active utilisation of benefits to justify costs
  • Don't treat this as a regular credit card—its value lies in exclusive benefits and concierge services, not just reward earning
  • Never carry a balance beyond the due date—interest charges would completely negate the premium reward earnings
  • Don't let complimentary hotel night certificates expire unused—they often represent ₹50,000-1 lakh+ in value
  • Avoid missing Reserve cardholder exclusive events and experiences—they provide networking and luxury access unavailable elsewhere
  • Never share your card details, CVV, OTP, or PIN with anyone, maintaining the security expected of an ultra-premium instrument
  • Don't ignore your monthly statements—verify all transactions immediately and report any discrepancies to maintain security
  • Avoid cash withdrawals except in absolute emergencies—they incur fees and provide no rewards, inappropriate for Reserve usage
  • Don't assume all benefits are automatic—some require registration, advance booking, or specific usage protocols
  • Never miss payment deadlines—as an ultra-premium cardholder, impeccable payment discipline is expected

Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.

FAQs on Axis Bank Reserve Credit Card

Common questions about this credit card

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