Axis Bank Reserve Credit Card

Lounge access

• Domestic lounge program: unlimited complimentary domestic lounge visits per year for both Primary and Add-on card holders, plus 12 complimentary visits per year for accompanying guests.
• Priority Pass Program: unlimited complimentary international lounge visits for Primary card holders and 12 guest visits in a calendar year.

Verified · Axis Bank Reserve Credit Card – Terms & Conditions (September 2023 revision) · 2026-08-03 · source

Forex markup

• Foreign Currency Transaction Fee: 1.5% of the transaction value for RESERVE Credit Card (all other cards 3.50%).
• Effective 20th Dec 2024.

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Charge

• Finance/interest charge (eff. 20 Dec 2024): Overdue interest on extended credit and interest on cash advances 3.0% per month (42.58% per annum) for RESERVE.
• Cash withdrawal fee: Waived for RESERVE Credit Card.
• Foreign currency transaction fee: 1.5% of transaction value.
• Dynamic Currency Conversion markup: 1.5% plus taxes.
• Rent Transaction Fee: 1% per transaction.
• Wallet Load Transaction Fee (eff. 20 Dec 2024): 1% on cumulative wallet loads of ₹10,000+ per statement cycle.
• Fuel Transaction Fee (eff. 20 Dec 2024): 1% on cumulative fuel spends of ₹50,000+ per statement cycle.
• Education Transaction Fee (eff. 20 Dec 2024): 1% per transaction on third-party app education payments.
• Utility Transaction Fee (eff. 20 Dec 2024): 1% on cumulative utility spends of ₹25,000+ per statement cycle.
• Online Skill-Based Gaming Transaction Fee (eff. 20 Dec 2024): 1% on cumulative spends of ₹10,000+ per statement cycle.
• Fee for cash payment at branches: ₹175 (daily limit ₹50,000).
• Over-limit fee: 2.5% of over-limit amount (min ₹500).
• Cheque return/dishonour: 2% of payment amount (min ₹500).
• Late Payment Fee (all other cards): Nil up to ₹500.
• ₹500 for ₹501-5,000.
• ₹750 for ₹5,001-10,000.
• ₹1,200 above ₹10,000.
• Recurring late payment additional ₹100.
• Add-on card fee: Nil.
• Duplicate statement, mobile alerts, hotlisting, balance enquiry, replacement fee: Waived.

Verified · harvested from product page · 2026-08-03 · source

Interest-free period

• Interest-free credit period ranges from 20 to 50 days, depending on the date of transaction.
• Suspended if any balance from the previous month's bill is not paid by the due date.
• For cash advances, interest is charged from the date of transaction until payment.

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Milestone benefit

• Annual benefit of 50,000 EDGE REWARD Points has been discontinued (eff. 20 April 2024).
• Renewal benefit discontinued w.e.f. 20 April 2024.

Verified · Axis Bank Reserve Credit Card – Terms & Conditions · 2026-08-03 · source

Redemption value

• EDGE Reward Points can be redeemed for travel vouchers, electronic items and more from the eDGE Rewards catalogue, or transferred to partner airline/hotel programs at 5:2 (5 EDGE Reward Points = 2 Partner Point/Mile).
• Effective 1st Oct 2025, the Bank reserves the right to forfeit unredeemed EDGE REWARD Points/Miles 30 days after card closure or if the minimum amount due is outstanding for more than 90 days.

Verified · harvested from product page · 2026-08-03 · source

Reward cap

• Miles Transfer: maximum 1 lakh EDGE REWARD Points cumulatively to Group A partners and maximum 4 lakh EDGE REWARD Points cumulatively to Group B partners per calendar year.
• Rent capped at ₹1,00,000 per month for EDGE REWARD Points earn.

Verified · Axis Bank Reserve Credit Card – Terms & Conditions · 2026-08-03 · source

Reward exclusion

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Transfer partner

Verified · Axis Bank Reserve Credit Card – Terms & Conditions (September 2023 revision) · 2026-08-03 · source

Transfer rule

• For each airline/hotel transfer partner, only 1 partner program loyalty ID can be linked at a time.
• Linking another ID delinks the existing one.
• Must wait 60 days after updating a partner loyalty ID before updating a new one.
• Total EDGE Reward Points convertible to Partner Points capped at 5,00,000 per customer ID per calendar year.

Verified · Axis Bank Reserve Credit Card – Terms & Conditions (September 2023 revision) · 2026-08-03 · source

Dining benefit

• Complimentary Swiggy One membership (6-month) available on Axis Bank RESERVE Credit Card for eligible HNI customers: unlimited free deliveries on food orders above ₹199, up to 30% extra discounts, unlimited free Instamart deliveries on orders above ₹199, flat 10% off on Genie, and access to pre-book dine-out reservation deals.
• Membership must be activated within 6 months of receiving the code.
• Once activated it cannot be cancelled and no refund is issued.

Verified · Axis Bank Reserve Credit Card product page · 2026-08-03 · source

Travel benefit

• Delay in Check-in Baggage: reimburses cost of necessary items for basic needs in case of baggage delay of more than 6 hours while travelling overseas (valid only if flight ticket purchased with the card).
• Airport Transfer service discontinued from 20th April 2024.

Verified · Axis Bank Reserve Credit Card – Terms & Conditions · 2026-08-03 · source

Insurance

• Insurance covers (as per welcome booklet, subject to card being active/used at least once in 90 days prior): Zero Lost Card Liability against fraudulent purchase transactions (30 days prior to reporting; needs FIR; not valid for ATM/PIN/OTP/mPIN/CVV transactions).
• Purchase Protection against fire or burglary within 90 days of purchase (needs FIR; jewellery/perishables excluded).
• Price Protection.
• Credit Shield covering outstanding up to a specific amount on accidental death.
• Loss of Check-in Baggage and Loss of Travel Documents overseas (valid only if flight ticket purchased on the card).
• Air accident cover discontinued w.e.f. 31st October 2022.

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Eligibility

• Cardholder must activate the new Credit Card within first 30 days of card issuance.
• Failure results in card closure as per RBI guidelines.
• To retain the older 5:4 miles conversion, customer must open and maintain a Burgundy Private account (minimum TRV of ₹5 Crore) and take a Burgundy Private Credit Card.

Verified · Axis Bank Reserve Credit Card – Terms & Conditions (September 2023 revision) · 2026-08-03 · source