Reserve Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: Axis Bank
Network: Visa | Tier: Premium
Unlimited domestic/international lounge visits with 8 guest visits/year, 50,000 reward points welcome, 1.5% forex markup
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Why Choose the Reserve Credit Card?
The Reserve Credit Card is a Premium-tier Visa credit card issued by Axis Bank, rated 4.9/5 by the Credit Card Hunt editorial team. It is best suited for Ultra-high-net-worth travelers and luxury spenders. With a reward rate of 15 EDGE points per ₹200 spent, 30 points on international spends and an annual fee of ₹50,000, it ranks among the popular Super Premium cards in India in 2026.
New cardholders are welcomed with 50,000 EDGE Reward points upon fee payment, which adds immediate value in the first year.
Reserve Credit Card Fees & Charges
| Annual Fee | ₹50,000 |
|---|---|
| Joining Fee | ₹50,000 |
| Interest Rate | 3.6% per month |
| Foreign Markup | 1.5% |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver |
Reserve Credit Card Rewards & Benefits
| Reward Rate | 15 EDGE points per ₹200 spent, 30 points on international spends |
|---|---|
| Welcome Bonus | 50,000 EDGE Reward points upon fee payment |
| Lounge Access | Unlimited domestic and international airport lounge visits for primary & add-on members with 8 complimentary guest visits per year (via Priority Pass) |
| Best For | Ultra-high-net-worth travelers and luxury spenders |
Key Highlights of the Reserve Credit Card
- Unlimited domestic/international lounge visits with 8 guest visits/year, 50,000 reward points welcome, 1.5% forex markup
- 15 EDGE points per ₹200 spent, 30 points on international spends
- Unlimited domestic and international airport lounge visits for primary & add-on members with 8 complimentary guest visits per year (via Priority Pass)
- Comprehensive travel insurance up to $500k, purchase protection
- Vouchers from luxury brands on annual spend milestones
Reserve Credit Card Eligibility Criteria
- Age: Invite-only years
- CIBIL score: 780+
- Minimum income: ₹60,00,000/year
Minimum Income Required: ₹60,00,000/year
Advantages of the Reserve Credit Card
- Ultimate luxury privileges, generous guest lounge visits, low forex markup for super premium tier
Drawbacks of the Reserve Credit Card
- Extremely high fee of ₹50,000 + GST, invite-only with very high income criteria
Reserve Credit Card — Frequently Asked Questions
What is the annual fee of the Reserve Credit Card?
The Reserve Credit Card has an annual fee of ₹50,000 and a joining fee of ₹50,000. New cardholders receive 50,000 EDGE Reward points upon fee payment as a welcome benefit, which helps offset the joining cost.
Does the Reserve Credit Card offer airport lounge access?
Yes — the Reserve Credit Card offers Unlimited domestic and international airport lounge visits for primary & add-on members with 8 complimentary guest visits per year (via Priority Pass).
Who is eligible for the Reserve Credit Card?
The minimum income requirement is ₹60,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Reserve Credit Card?
The Reserve Credit Card earns 15 EDGE points per ₹200 spent, 30 points on international spends. It is best suited for Ultra-high-net-worth travelers and luxury spenders.
Credit Cards Similar to the Reserve Credit Card
If you are considering the Reserve Credit Card, these super premium credit cards are worth comparing before you apply:
- Infinia Metal Edition Credit Card by HDFC Bank — rated 4.9/5, ₹12,500 annual fee
- Emeralde Private Metal Credit Card by ICICI Bank — rated 4.8/5, ₹12,499 annual fee
- Platinum Card by American Express — rated 4.8/5, ₹60,000 annual fee
- Diners Club Black Credit Card by HDFC Bank — rated 4.8/5, ₹10,000 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.9/5