Reserve Credit Card
Rs 50,000Annual fee
Rs 35,00,000Fee waiver spend
UnlimitedDomestic lounge
1.5%Forex markup
Best for
Ultra Premium, Travel, Hotels, Golf, Lounge
Top rewards
Domestic Spends: 15 EDGE REWARD Points / ₹200 spent on domestic spends; International Spends: 30 EDGE REWARD Points / ₹200 spent on international spends
Infinite Credit Card
Rs 0Annual fee
16Domestic lounge
Domestic lounge conditions
- 16 complimentary domestic lounge visits per year (max 4 per quarter).
2%Forex markup
Best for
Travel, Lounge, Golf, Concierge, Wealth
Top rewards
All Retail Spends: 1 Reward Point / ₹250 spent
| Feature | Reserve Credit Card | Infinite Credit Card |
|---|---|---|
| Issuer | Axis Bank | Kotak Mahindra Bank |
| Network | Visa | Visa |
| Joining fee | Rs 50,000 | Rs 0 |
| Annual fee | Rs 50,000 | Rs 0 |
| Fee waiver spend | Rs 35,00,000 | - |
| Reward type | EDGE Reward Points | Kotak Reward Points |
| Best for | Ultra Premium, Travel, Hotels, Golf, Lounge | Travel, Lounge, Golf, Concierge, Wealth |
| Top reward categories | Domestic Spends: 15 EDGE REWARD Points / ₹200 spent on domestic spends; International Spends: 30 EDGE REWARD Points / ₹200 spent on international spends | All Retail Spends: 1 Reward Point / ₹250 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | Unlimited | 16 |
| International lounge | Unlimited | 0 |
| Forex markup | 1.5% | 2% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Air miles: upto ₹ 0.4 per point; Statement credit: upto ₹ 0.2 per point | Statement credit: upto ₹ 0.7 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Purchase of gold or jewellery, Educational institution payments via third-party apps | E-wallet loading transactions, Fuel spends, Rent payments, Insurance spends, Utility spends, Education spends |