Axis Bank
Reserve Credit Card
SimplifyCards take:A good fit if you want a card built for ultra premium, travel, and hotels
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Best for International SpendsBest for
30 EDGE REWARD Points / ₹200 spent on international spends
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Avoid if your spend is lowWatch out
The ₹ 50,000 fee waives only at ₹ 35 lakh/year, and some benefits can be spend-gated
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Good fit if you want a card built for ultra premium, travel, and hotelsBottom line
It combines complimentary airport lounge access, a low 1.5% forex markup, and accelerated rewards on international spends
Estimate your EDGE Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
EDGE Reward Points rates
| Category | Rate |
|---|---|
| Domestic Spends | 15 EDGE REWARD Points / ₹200 spent on domestic spends |
| International Spends | 30 EDGE REWARD Points / ₹200 spent on international spends |
Redemption
Statement balanceupto ₹ 0.2 per point
Airmile transferupto 0.4 airmile per point
| Airline | Programme | Ratio | Group | Annual cap |
|---|---|---|---|---|
| Air Canada | Aeroplan | 5:2 | Group A | 1,00,000 EDGE Reward Points |
| Ethiopian Airlines | ShebaMiles | 5:2 | Group A | 1,00,000 EDGE Reward Points |
| Etihad Airways | Etihad Guest | 5:2 | Group A | 1,00,000 EDGE Reward Points |
| Japan Airlines | JAL Mileage Bank | 5:2 | Group A | 1,00,000 EDGE Reward Points |
| Singapore Airlines | KrisFlyer | 5:2 | Group A | 1,00,000 EDGE Reward Points |
| Thai Airways | Royal Orchid Plus | 5:2 | Group A | 1,00,000 EDGE Reward Points |
| Turkish Airlines | Miles&Smiles | 5:2 | Group A | 1,00,000 EDGE Reward Points |
| United Airlines | MileagePlus | 5:2 | Group A | 1,00,000 EDGE Reward Points |
| British Airways | British Airways Executive Club | 5:1 | Group A | 1,00,000 EDGE Reward Points |
| Finnair | Finnair Plus | 5:1 | Group A | 1,00,000 EDGE Reward Points |
| Qatar Airways | Privilege Club | 5:1 | Group A | 1,00,000 EDGE Reward Points |
| Vietnam Airlines | Lotusmiles | 5:1 | Group A | 1,00,000 EDGE Reward Points |
| Air France-KLM | Flying Blue | 5:2 | Group B | 4,00,000 EDGE Reward Points |
| Air India | Maharaja Club | 5:2 | Group B | 4,00,000 EDGE Reward Points |
| airasia | airasia rewards | 5:2 | Group B | 4,00,000 EDGE Reward Points |
| Qantas Airways | Qantas Frequent Flyer | 5:2 | Group B | 4,00,000 EDGE Reward Points |
| Hotel group | Programme | Ratio | Group | Annual cap |
|---|---|---|---|---|
| IHG Hotels & Resorts | IHG One Rewards | 5:2 | Group B | 4,00,000 EDGE Reward Points |
| ITC Hotels | Club ITC | 5:2 | Group B | 4,00,000 EDGE Reward Points |
| Radisson Hotels | Radisson Rewards | 5:2 | Group B | 4,00,000 EDGE Reward Points |
| Orchid Hotels | Orchid Rewards | 5:2 | Group B | 4,00,000 EDGE Reward Points |
| Wyndham Hotels & Resorts | Wyndham Rewards | 5:2 | Group B | 4,00,000 EDGE Reward Points |
| The Postcard Hotel | The Postcard Sunshine Club | 5:2 | Group B | 4,00,000 EDGE Reward Points |
Important conditions
1
Domestic loungeUnlimited visits per year
2
International loungeUnlimited visits per year
3
Fee waiverRenewal fee waived on annual spends of ₹ 35 lakh
Tips
Practical notes from verified sources
Air India is classified under Group B (subject to the 400,000 annual EDGE Reward Points transfer cap at a 5:2 ratio) and has recently revalued its redemptions
For Marriott Bonvoy transfers, you can indirectly transfer by converting EDGE Reward Points to Club ITC at a 5:2 ratio, and then Club ITC to Marriott at a 2:3 ratio (capped at 10,000 ITC points per quarter)
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- 15,000 EDGE REWARD Points on card activation
- Reduced forex markup of 1.5%
- No cash withdrawal charges
- Complimentary airport concierge services
- ITC Culinaire, Accor Plus and Club Marriott hotel memberships, subject to product terms
- 50 complimentary golf rounds per year, subject to product terms
- 1% fuel surcharge waiver on transactions from ₹400 to ₹4,000, capped at ₹400 per month
- Purchase protection up to ₹2 lakh
- Credit shield cover up to ₹5 lakh
- Travel inconvenience cover up to USD 500 for baggage and personal document loss or delay
Additional details
- Travel EDGE transfers for Reserve cards are capped at 5,00,000 EDGE REWARD Points per customer ID per calendar year, including up to 1,00,000 to Group A partners and 4,00,000 to Group B partners
- Minimum 300 EDGE REWARD Points are required per partner-transfer request
- Accor Live Limitless and Marriott Bonvoy remain removed after the April 2026 change. Qatar Airways Privilege Club reportedly returned in July 2026 at the reduced new-partner ratio, alongside British Airways Executive Club, Finnair Plus and Vietnam Airlines Lotusmiles
Latest Updates
Recent changes to this card
Axis Bank revised DCC markup and gift card rewards28 Aug 2026
- Effective 28 August 2026, Axis Bank has increased the Dynamic Currency Conversion (DCC) markup to 3.5% for most Axis credit cards
- Additionally, gift card purchases are excluded from earning reward points/cashback and no longer count towards spend-based fee waivers or milestone benefits
- Tolls and FASTag spends will also cease earning rewards
Axis restored Qatar Airways at a reduced Reserve ratio24 Jul 2026
- Qatar Airways Privilege Club is again available on Travel EDGE for Reserve at a 5:1 EDGE REWARD Points to Avios ratio
- Accor and Marriott remain unavailable
Transfer partner list revised2 Apr 2026
- Effective April 2, 2026: Marriott Bonvoy, Accor Live Limitless and Qatar Airways Privilege Club removed; British Airways Executive Club, Finnair Plus and Vietnam Airlines Lotusmiles added
Eligibility
Check this before you apply
Salaried
- Age: 18 to 70 years
- Relationship-based (primarily offered to Burgundy or high-net-worth customers)
- Resident of India
Self-employed
- Age: 18 to 70 years
- Relationship-based (primarily offered to Burgundy or high-net-worth customers)
- Resident of India
Exclusions
Spending that does not earn edge reward points
- Fuel transactions
- Rent payments
- E-wallet loading transactions
- Insurance premium payments
- Purchase of gold or jewellery
- Educational institution payments via third-party apps
- Online skill-based gaming transactions
- Gift cards
- Tolls and FASTag
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