Credit Card Compare

Reserve Credit Card

Data last updated 25 October 2026
42.58%
Purchase rate
₹50,000
Annual fee
50 days
Interest-free

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Application

CardIQ

11Basic

Basic

Overall score, out of 100 · How this works

  • Airport lounge11
  • Rewards0
  • Sign-up bonus0
  • Travel32

Customer reviews

No reviews yet. Be the first to review the Reserve Credit Card.

Pros & cons

What's good

  • The 42.58% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 45% p.a.).
  • Complimentary airport lounge access.
  • No fee to add an additional cardholder.

Worth noting

  • INR 50,000 joining fee and INR 50,000 annual fee from year 2 onwards. Waived on eligible spends of INR 35,00,000 in the preceding card anniversary year (excluding Rent, Wallet, Utilities, Government Institutions, EMI conversions, Cash withdrawals, reversals, fees and charges, Insurance, Gold/Jewellery, Fuel, and Gift Cards w.e.f. 28 Aug 2026). GST is applicable additionally as per Government of India guidelines. Fee is charged after card activation. The ₹50,000 annual fee is still high for a Black card, where the typical fee is about ₹12,500.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Black
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Axis Bank EDGE Rewards

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
Not published
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
42.58% p.a.
Purchases
42.58% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹50,000 p.a.
Cash advance fee
—
Foreign transaction fee
1.5%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
2% of remaining balance outstanding plus all instalments, fees, interest/finance charges, taxes, and over-limit amount (minimum INR 100)

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Earn rate
—
Points expiry
Effective 1st Oct 2025, the bank shall forfeit any unredeemed EDGE REWARD Points/Miles 30 days after the customer's credit card closure or if the minimum amount due on the customer's credit card remains outstanding for more than 90 days.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Purchase rate42.58%Top 10% (9th of 91 cards)
Interest-free days50 daysTop 10% (8th of 73 cards)
Overseas fee1.50%Top 25% (12th of 91 cards)
Annual fee₹50,000 a yearAmong the most expensive (91st of 91 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
Axis Bank