Summary
The Axis Bank Reserve Credit Card is a premium credit card designed for those who look for luxury, convenience, and high rewards. The sophisticated and sleek black design with gold accents is a reflection of luxury, superiority, and exclusiveness. It offers phenomenal benefits, such as 5 reward points for every ₹200 spent, redeemable for exciting products, vouchers, or travel experiences.
The cardholder gets a welcome gift that is usually in the form of a luxury voucher or experience, making the onboarding special. Travel benefits include free access to airport lounges at domestic and international locations, which are very convenient for travelers. Additionally, the card offers priority customer service, so assistance is quicker and more personalized.
Dining enthusiasts enjoy special offers and privileges at exclusive restaurants, whereas shoppers and travelers can avail of handpicked deals and offers across a variety of categories. Perks like complimentary rounds of golf and concierge service make the card more appealing to customers.
Introduction
Axis Bank Reserve Credit Card is one of the premium credit cards available in India. It is specifically designed for customers who want to enjoy exclusive and luxury facilities. It is not just a status symbol, but amazing rewards and facilities make it more special.
The most attractive feature of the Reserve Credit Card is its reward points. You are rewarded for each spend, which can be used in the form of flight bookings, hotel booking, shopping, and other lifestyle services. Besides that, welcome gifts and loyalty toward the Axis Bank Reserve Credit Card also make this card different from other cards.
Credit Card can be really helpful for people who travel abroad a lot or make purchases of many rupees. With the Axis Bank Reserve Credit Card, you also get services like travel insurance, airport transfer, and special discounts on hotel bookings.
Let us know the details of this Credit Card by this article and about its benefits. How to apply for it? Further, let’s know about that in detail too. Therefore, read this article till the very end so you don’t encounter any problems later.
What is the Axis Bank Reserve Credit Card?
Credit Card is a basic credit card offering customers great rewards and convenience for everyday spending. Reserve Credit Card is for those who wish to avail of extra benefits while shopping, bill payments, and traveling regularly.
This credit card is particularly useful for those who are looking at savings and rewards on their everyday spending and does not require complex or high-end features.
How is the design of the Axis Bank Reserve Credit Card?
This card is sleekly designed and elegant. It’s premium black with a subtle gold accent, so it does look expensive. The design of the card is clean; the Axis Bank logo and the word “Reserve” are written boldly on it.
The material is strong giving it that high-end appearance and feel which is ideal for those who look for a glamorous and sophisticated appearance of their credit card. All in all, the design comes out as both classy and functional because of the elements of modern designs and functionality.
What are the benefits of the Axis Bank Reserve Credit Card?
The notable benefits consist of:
- Earn Higher Reward Points: You have to spend every amount of Rs. 200 on this card, thereby collecting 5 reward points, exchangeable for commodities, vouchers, and offers.
- A welcome gift is provided to new cardholders, such as a luxury experience or vouchers.
- Airport Lounge Access: Enjoy complimentary access to airport lounges in India and internationally, adding convenience during travel.
- Priority Customer Service: Get faster assistance with dedicated premium customer support.
- Dining Privileges: A discount at exclusive restaurants across India.
- Exclusive Offers: From shopping to travel, cardmembers get special discounts on entertainment options.
- Luxury Privileges: Membership benefits include the likes of golf rounds, concierge services, etc.
What are the fees for the Axis Bank Reserve Credit Card?
Here is a simple breakup of the Reserve Credit Card fees.
Joining Fee | ₹49,999 + GST (one-time fee when you get the card). |
Annual Fee | ₹49,999 = GST per year. This will be waived if you spend ₹35,00,000 or more in a year. |
Add-on Card Fee | No charges for additional cards for family members. |
Finance Charges | 2.95% per month (41% annually) on the outstanding balance if you don’t pay your bill in full. |
Cash Advance Fee | 2.5% of the amount withdrawn or ₹250, whichever is higher. |
Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an Axis Bank Reserve Credit Card?
The following are the primary requirements:
- To apply for the Reserve Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs.20 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for Axis Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.
- You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an Axis Bank Reserve Credit Card?
The documents that you will have to submit to get a Credit Card are as below:
Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
Address Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons |
Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
Photograph | The latest passport-sized photograph |
Where can the Axis Bank Reserve Credit Card be used?
Here is the list of places where you can use it:
- With the Reserve Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Reserve Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Axis Bank Reserve Credit Card?
The credit amount you can spend is what you are provided with a Reserve Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an Axis Bank Reserve Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the Axis Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by Axis Bank; for instance, you can choose the Credit Card.
- Just hover your cursor on the Reserve Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest Axis Bank branch to apply for the Reserve Credit Card.
- Request for the credit card application form of the Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Reserve Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Axis Bank Card website, or mobile app or by calling their customer service.
- You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.
Would getting an Axis Bank Reserve Credit Card in 2025 be right?
Yes, getting an Axis Bank Reserve Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
Reserve Credit Card is a credit card for making daily expenditures easy and rewarding. Axis Bank Reserve Credit Card is for those people who want to get maximum savings and rewards on general purchases, bill payments, travel, and other expenses.
The biggest feature that Axis Bank Reserve Credit Card possesses is the reward points system, where this credit card offers bonuses to cardholders on every spend. Be it through shopping, paying bills, or traveling, you can earn rewards on every transaction, which you can later redeem according to your needs.
However, Credit Card comes with some restrictions, for example, fewer exclusive benefits compared to premium cards. For instance, it does not include airport lounge access, higher reward rates, or lifestyle-based special services like other premium cards.
Frequently Asked Questions (FAQ’s)
Que: Does Axis Bank Reserve Credit Card have any annual fee?
Ans: Yes, there is an annual fee on the Credit Card. It depends on the bank’s policy and your usage of the card. The annual fee can also be waived under certain conditions.
Que: How can I redeem the reward points in Axis Bank Reserve Credit Card?
Ans: You can book flight tickets, hotel bookings, shopping, or gift vouchers from your reward points. You can also redeem it by logging into Axis Bank’s rewards portal.
Que: What is the fuel surcharge waiver offered with Axis Bank Reserve Credit Card?
Ans: With the Reserve Credit Card, you can avail 1% fuel surcharge waiver on all your fuel purchases.
Que: How to apply for an Axis Bank Reserve Credit Card?
Ans: You can apply for Credit Card online on the official website of Axis Bank or at the nearest bank branch. For the application, you have to furnish documents for identification, proof of income, and residence.
Que: What happens if I miss my credit card bill payment?
Ans: If you do not pay your bill on time, you will be charged more for late fees and interest. Second, this can sometimes harm your credit score and may not even let you get a loan or credit card later.