The Axis Bank Reserve Credit Card is an ultra premium credit card that comes with a number of exciting features and benefits. This card is specially designed to help cardholders experience the finer things in life. Keep reading to know more about this card.
You’ll need to meet a few parameters in order to be eligible for the Axis Bank Reserve Credit Card. In case you are eligible for the card and are looking to get started with your application, you’ll also need to keep some documents handy. Here, we’ve outlined the eligibility criteria and the credit card documents required to apply for the same.
You must be a resident of India
You must be between the ages of 18 and 70
You must either be a salaried employee or self-employed
You must have a CIBIL score over 700 and no history of defaults
Disclaimer: Please note that these criteria are only indicative. Axis Bank reserves the right to approve or reject any credit card application.
Proof of Identity: PAN Card / Passport / Aadhaar Card / Voter ID
Proof of Residence: Ration Card / Passport / Utility bills
a) For salaried individuals: Latest salary slip and Form 60
b) For self-employed individuals: Copy of ITR
You can apply for the Axis Bank Reserve Credit Card on the bank’s website or app. Alternatively, you may also visit an Axis Bank branch near you and get in touch with a representative.
In case of any queries regarding the Axis Bank Reserve Credit Card, you can reach out to Axis Bank’s dedicated customer care team at 1 - 860 - 419 - 5555/1 - 860 - 500- 5555.
The Axis Bank Reserve Credit Card comes with a few different types of charges that you need to be aware of. This will not only help you be informed about your card but will also help you avoid unnecessary fees and charges. Here, we’ve compiled a list of some of the most common types of fees:
Type of Fee/Charge |
Amount/Rate |
Joining Fee |
₹50,000 + GST |
Annual Fee |
₹50,000 + GST (waived off on spending over ₹25 Lakhs in the preceding year) |
Cash Withdrawal Charges |
Nil |
Extended Credit Charges |
2.5% |
Dynamic Currency Conversion Mark-up Fee |
1.5% |
Rent Payment Fee |
1% |
Overdue Interest on Extended Credit |
3.0% per month or 42.58% per annum |
Interest on Cash Advances |
3.0% per month or 42.58% per annum |
The annual fee for the Axis Bank Reserve credit card is ₹50,000 + GST. The annual fee will be waived off on spends of over ₹25 Lakhs in the preceding year.
Axis Bank has a number of great credit cards that are designed for a diverse range of needs and wants. However, the Axis Bank Reserve Credit Card is likely to be a great contender for the best one as it comes with a whole fleet of exciting rewards. This includes unlimited airport lounge visits, dedicated concierge services, complimentary golf rounds, and more
It’s unlikely that you’ll be eligible for the Axis Bank Reserve Credit Card if you’re not salaried or self-employed. If you are keen on getting your hands on this card, you can be added as an add-on cardholder if someone in your family has this card. Alternatively, you may get in touch with Axis Bank’s representatives and explain your situation. They may be able to help you get the card or suggest alternatives.
The credit limit that is extended to you is determined based on a number of factors like your income, credit score and history, and the bank’s internal policies. Hence, the credit limit offered to you will probably be different from what’s offered to someone else. For this reason, there’s no specified credit limit for the Axis Bank Reserve Credit Card.
The Axis Bank Reserve Credit Card is an ultra premium premium credit card that’s typically offered to high net worth individuals. That being said, the card is a great option for anyone that enjoys the finer things in life and travels quite often. The card comes with travel-friendly offerings like luxury airport transfers, offers on luxury hotels, and discounted forex markup.