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HomeCredit CardAxis Financial institution Reserve Credit score Card Evaluation – CardExpert

Axis Financial institution Reserve Credit score Card Evaluation – CardExpert

Axis Reserve is the Extremely Premium Bank card that stands above Axis Magnus and are issued to prosperous prospects of Axis Financial institution.

The Financial institution revamped the advantages on Reserve someday throughout July 2020 by including distinctive options like complimentary luxurious airport transfers and few different advantages, after which the cardboard does is sensible for some.

In the event you’re questioning whether or not this costly metallic bank card has any worth for the charge it comes with, you’ll get to know that in subsequent couple of minutes.


Kind Extremely Premium Credit score Card
Reward Fee 1.5% – 3%
Annual Charge 50,000 INR+GST = 59,000 INR
Finest for Golf & Airport concierge/switch advantages
USP Luxurious airport transfers

Axis Financial institution Reserve Credit score Card is likely one of the few playing cards in India like Amex Platinum, the worth of which needs to be determined primarily based on the approach to life advantages it affords and never simply by wanting on the reward price.


Becoming a member of Charge 50,000 INR + GST
Welcome Profit 50,000 factors
Renewal Charge 50,000 INR + GST
Renewal Profit 50,000 factors
Renewal Charge waiver On spending >25 lakhs

These 50,000 reward factors is valued at 10,000 INR (at 20ps) and so its apparent that the welcome profit is nowhere near the becoming a member of charge. Renewal charge waiver situation too is kind of steep for my part.

Axis Financial institution does run sign-up affords with extra 50K bonus factors every now and then.

But, I’d fairly count on at-least 100K bonus to make it look actually “enticing” by way of immediate worth evaluation.

Anyway, we are going to analyse the overall “worth” of the cardboard with all its advantages shortly.

Card Design

Axis Bank Reserve Credit Card Design

The metallic card undoubtedly seems premium however it’s barely boring due to the darker tint on that pink ball. If that’s brightened, it will look so stunning.

You possibly can see that vibrant picture in one of many pics beneath, because it seems like that in vibrant daylight.

That apart, it feels identical to the metallic Magnus to carry in hand.


Spend Kind Reward Factors Reward Fee
Home Spends 15 RP’s on each 200 INR 1.5%
Worldwide Spends 30 RP’s on each 200 INR (2X) 3%

The reward price on common home spends is certainly bit low.

I want Reserve too comes up with some form of month-to-month/quarterly milestone profit like Magnus to spice up the general reward price of the cardboard.

That stated, it’s to be famous that the extremely premium playing cards are often meant for giving extra experiences over rewards.

Markup Charge

  • Foreign exchange Markup Charge: 1.5%+GST = 1.77%
  • Reward price on Intl. Spends: 3% (2X rewards)
  • Web achieve: 1.23%

So, general its an excellent bank card for worldwide transactions as you achieve over 1% of the spend.

Airport Lounge Entry

Entry Kind Entry By way of Entry Restrict
Home (Main) Visa / Mastercard Limitless
Home (friends) Visa / Mastercard 12/yr
Worldwide (Main) Precedence Cross Limitless
Worldwide (friends) Precedence Cross 12/yr

Provided that Axis is having issues in issuing Add-on playing cards (until utilized together with main card), the complimentary visitor visits are good to have for household travellers.

Luxurious Airport Switch

luxury airport transfer service india
  • Restrict: 4 complimentary rides / yr
  • Automotive Kind: Luxurious Sedan (or ) Sedan

Luxurious Airport switch service is the Distinctive advantage of this bank card which isn’t current in any of the premium bank cards obtainable in India. 

It provides you complimentary airport rides in a luxurious sedan (or) common sedan as per the provision. Right here’s the detailed article on Luxurious airport switch service in India.

Airport Meet & Greet

airport meet and greet services in India
  • Restrict: 8 complimentary entry / yr

The airport meet & greet service – which Axis Financial institution calls as “airport concierge” service is obtainable with Reserve. It provides VIP Help Providers for a easy and hassle-free airport transfers.

The companies embrace help throughout airport processes, comparable to: categorical check-in, fast-track safety examine, immigration help, porter & buggy companies.

I’ve availed this service at Chennai (MAA), Mumbai (BOM) & Hyderabad (HYD) and its fairly helpful. Right here’s an in depth article on the airport meet & greet companies in India.


  • Complimentary Restrict: 50 rounds (video games/classes) / Calendar yr

Golf is likely one of the most vital profit on this card. In the event you play Golf very often, like 50 occasions a yr then it is a nice card for you.

Additionally, Axis Golf reserving system is superior in comparison with different banks like HDFC.

No marvel that Axis Financial institution is aware of their goal prospects for this card and they also’ve put the golf picture on the cardboard’s entrance face.

However for those who’re taking part in solely as soon as in a month or so, by no means thoughts, most premium playing cards does that give you the results you want.

Accor Plus

  • One Evening Complimentary Keep
  • Low cost vouchers on eating
  • Silver Tier with Accor ALL

“Keep Plus” is the title of the complimentary night time profit given at choose Accor properties. At a fast look, you may assume that it is a fantastic profit. However for those who dig deeper, you’ll discover that the provide is restricted to solely few nations.

Eligible for redemption at: Australia, Cambodia, China, Fiji, French Polynesia, Hong Kong, India, Indonesia, Japan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, New Zealand, Philippines, Singapore, South Korea, Taiwan, Thailand and Vietnam.

There are undoubtedly some candy spots in SE Asia that would provide you with 15K+ INR worth however most others provide you with solely 5K or 10K worth max.

And for those who’re planning to redeem it at Fairmont Jaipur, effectively, I’ve a tragic information for you. As a result of I’m unable to seek out availability in that property for subsequent 2 months. Perhaps they eliminated it from Keep Plus profit!

Additionally, given that almost all Accor properties are common enterprise lodges, this doesn’t actually excite me as a lot as a typical Marriott (or) Taj.

Bookmyshow Supply

  • Supply: Purchase one Get one
  • Legitimate on: film/non-movie bookings
  • Max. Cap: Rs.500 off on film ticket; Rs.1000 off on non-movie ticket
  • Month-to-month restrict: 5 bookings monthly

Boomyshow provide is a reasonably good one certainly and for those who’re in metro cities the place the ticket value is about 500 INR, this is sensible. Else, Visa Infinite provide is enough for many.

That stated, Visa affords could get maxed out fairly quick in comparison with the direct BMS affords. So the separate Reserve provide nonetheless is sensible.

Is it value 59,000 INR?

So now we’re coming to the difficult query.

To seek out a solution to this, let’s analyse the overall worth of the cardboard by putting an “common” value on every of the profit we noticed above. Right here we go,

Profit Description Worth (INR)
Welcome profit 50K factors @ 0.20 INR 10,000
Luxurious Airport Transfers 5000 INR * 4 rides 20,000
Airport Meet & Greet 3500 INR * 8 28,000
Accor Plus Profit One night time in India 7,000
Complete 65,000
  • Complete Worth: 65,000 INR + Golf

In order you see, for those who take Golf out of the equation, you then simply get what you paid. However for those who play golf, 50 rounds is definitely valued at 1L-2L INR which is an enormous worth.

Word that I’ve calculated solely essentially the most tangible advantages with its approx. common value value. I’ve not calculated the ITC / Marriott advantages, which additionally carries a good worth, about 5,000 INR – 10,000 INR every for those who’re not already into Marriott/ITC Gold.

However most often these extra advantages doesn’t matter a lot, for ex, these 50% eating certificates can solely save little in India as we anyway have 25%+additional affords on EazyDiner/Dineout.

So coming again to the query, is it value 59,000 INR? Effectively, it relies upon. Beneath factors ought to assist relying in your profile.

  • No (for many) – In the event you don’t: play golf (or) journey to metro cities (or) worth airport companies
  • Sure (for some) – In the event you play Golf loads (or) worth airport companies

However then if it’s obtainable with enticing bonus / signup provide, then it is sensible even to those that don’t play Golf. You’ll mainly must resolve primarily based on the way you worth the advantages, contemplating all the above.

My Expertise

Axis Bank Reserve in Hand

I used to be excited about exploring Luxurious Airport Switch Service and so utilized for one. It has been an exquisite expertise up to now!

The complimentary airport rides in BMW & Merc together with the meet & greet advantages had been simply completely superb.

Right here’s my detailed hands-on expertise with Axis Reserve Credit score Card.

Maximizing Axis

axis premium content

The Yr 2022 is an incredible yr to discover Axis Financial institution Credit score Playing cards. Nonetheless, there are numerous points with the financial institution: from software, credit score restrict to service and help.

In the event you choose to have a easy journey right into a rewarding yr with the profitable Axis Financial institution bank cards, do try this premium information: Maximizing Axis Financial institution Credit score Playing cards.


The Axis Financial institution Reserve bank card has the primary mover benefit with regards to introducing the idea of luxurious airport switch companies to Indian Credit score Card trade. 

Nonetheless, wanting on the charge and the welcome advantages, it doesn’t excite most, until some profitable signup affords are thrown.

Having stated that, Axis Financial institution Reserve Credit score Card is certainly “reserved for few”, for many who play Golf (or) like to fly in type.

For many others, Axis Magnus is there to offer you what you want: rewards, a number of rewards!

What’s your tackle the Axis Financial institution Reserve Credit score Card? Be at liberty to share your ideas within the feedback beneath.



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