cards / credit / axis bank / axis-reserve-credit-card
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§ BENEFITS
EDGE Points on All Spends
Earn 15 EDGE points per ₹200 on all domestic and international transactions
15 EDGE/₹200
Unlimited Domestic Lounge
Unlimited complimentary domestic airport lounge visits with guest access
Unlimited
Complimentary Golf Rounds
Unlimited complimentary golf rounds at premium courses across India
Unlimited rounds
Dedicated Concierge
24/7 dedicated concierge for travel, dining, and lifestyle management
Dedicated
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹36,00,000
- Min monthly salary
- ₹3,00,000
- Age
- 21 – 65
- Min credit score
- 750
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹50,000
- Annual fee
- ₹50,000
- APR (monthly)
- 3.40% p.m.
- APR (annual)
- 40.80% p.a.
- Late payment fee
- ₹1,500
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Excluding GST
† Excluding GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹250
- Other bank free / month
- 0
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 2.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- ₹100
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹400
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹1,000
- Networks
- All
§ LIMITS
- ATM / day
- ₹1,00,000
- POS + e-com / day
- ₹20,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- ₹5,00,00,000
- Permanent disability
- ₹5,00,00,000
- Air accident
- ₹5,00,00,000
- Travel insurance
- ₹2,00,00,000
- Baggage
- ₹1,00,000
- Lost-card liability
- ₹50,00,000
- Purchase protection
- —
† within 24 h of loss
§ REWARDS
- Programme
- Axis EDGE Points
- Earn rate
- 15 EDGE points per ₹200
- Point value
- ₹0.4
- Effective cashback
- 3.00%
- Min redemption
- 500 pts
- Expiry
- 3 years from date of accrual
§ LOUNGE
- Domestic
- Unlimited
- International
- Via Priority Pass
- Domestic guests allowed?
- Yes
- International guests allowed?
- Yes
† value ₹2,500 per visit
† value ₹3,500 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with Axis Bank and earns no commission on applications.