Not available via the quiz
By invitation only.
Axis Bank Reserve Credit Card
Axis Bank
Axis's top publicly-applicable card — none of the private-banking restriction that Burgundy Private has, but the same tier of benefits.
₹50,000
Joining fee
₹50,000, waived at ₹35L spend
Annual fee
DISCREPANCY: official Schedule of Charges lists no spend-based waiver, while two independent aggregators (Paisabazaar, CardInsider) state the fee is waived at Rs 35,00,000 annual spend. Flagged as an unresolved conflict since the official document may not have fully captured this term — verify directly with Axis Bank.
1.5%
Forex markup
4.9 / 5
Rating
Eligibility
Estimated minimum income: ₹5,00,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 800+
Estimated — not officially confirmed by the bank.
Invite-only (aggregator-sourced, CardInsider); income/CIBIL thresholds not disclosed.
Sources disagree: Fee waiver terms conflict between the official Schedule of Charges (no waiver listed) and two aggregators, Paisabazaar and CardInsider (waived at Rs 35,00,000 annual spend) — see fee_waiver_detail.
Lounge access
Unlimited domestic & international lounge visits
Source says "unlimited lounges" without an explicit domestic/international split; read as covering both scopes given this card's tier.
Key features
- 15 EDGE points/₹200, 2X on international spend
- 15,000 welcome points
- Unlimited lounges
- 50 golf rounds/year
- Lowest forex in the catalog at 1.5%
Reward details
15 EDGE Reward Points per Rs 200 spent (~1.5-7.5% effective value depending on redemption method cited by different aggregators)
- 2X points (30 points per Rs 200) on International spend
Welcome bonus: 15,000 EDGE Points (welcome/activation bonus)
Redemption
Points redeemable at ~Rs 0.20/point via catalogue, or transferable to airline/hotel partners.
Ratio: 5:2 transfer ratio (aggregator-sourced, noted by CardInsider as low for the fee tier)
Caps: Maximum 5,00,000 points/year transferable to airline partners
Excluded from rewards: insurance, fuel, gold/jewellery, wallet loads, government institutions, utility bills
- 50 complimentary golf rounds annually across select courses (aggregator-sourced).
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Premium travel perks; highest reward-earning rate among super-premium cards per one aggregator; 50 complimentary golf rounds/year called exceptional; low 1.5% forex markup appreciated — Paisabazaar/CardInsider
Complaints
- Very high annual fee (Rs 50,000) with a steep/contested waiver threshold; low point-to-mile conversion ratio (5:2) criticized; partner restrictions limit redemption flexibility — Paisabazaar/CardInsider
- 'Highly overpriced' with 'no practical benefits'; lack of milestone/spend-based benefits despite the high fee — user quote via aggregator
Sources
- Official — fees, forex
- Aggregator — eligibility, lounge, rewards, sentiment
- Aggregator — lounge, rewards, sentiment