Axis Bank 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 / Rs 200 spent on domestic spends; International spends: 30 EDGE REWARD Points / Rs 200 spent on international spends
Kotak 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 | Axis Bank Reserve Credit Card | Kotak 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 / Rs 200 spent on domestic spends; International spends: 30 EDGE REWARD Points / Rs 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 Rs 0.4 per point; Statement credit: upto Rs 0.2 per point | Statement credit: upto Rs 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 |