Credit Card

Axis Bank Reserve Credit Card, Rewards and Benefits, Joining Fees Charges, Apply Online

Axis Bank Reserve Credit Card: HDFC Bank and Paytm have collaborated to introduce a co-branded credit card offering tailored to meet the evolving needs of modern consumers. This partnership brings together HDFC Bank’s extensive banking expertise with Paytm’s innovative digital payment solutions, resulting in a card that seamlessly integrates convenience and rewards.

The HDFC Paytm co-branded credit card offers an enticing rewards program, providing users with attractive cashback incentives on various spending categories, including shopping, dining, entertainment, and utility bill payments. Additionally, cardholders can enjoy exclusive discounts and offers across a wide range of partner merchants, enhancing the overall value proposition of the card.

One of the key highlights of this co-branded offering is its focus on digital convenience, empowering users to make cashless transactions seamlessly. With advanced security features and round-the-clock customer support, cardholders can enjoy peace of mind when making purchases online or offline.

Moreover, the HDFC Paytm credit card provides access to comprehensive account management tools through the Paytm app, simplifying the process of monitoring expenses and managing finances effectively. Whether it’s earning rewards on everyday purchases or accessing exclusive benefits, this card is designed to enhance the overall banking and payment experience for consumers.

Overall, the HDFC Paytm co-branded credit card represents a synergy between two industry leaders, offering a compelling blend of rewards, convenience, and security. With its user-friendly features and attractive benefits, this card is poised to redefine the way consumers engage with banking and payments in the digital era.

Fees Joining Fee-Rs. 50,000 + GST
Renewal Fee- Rs. 50,000 + GST
Best Suited For

Movies | Travel | Dining | Shopping

Reward Type Reward Points
Welcome Benefits
50,000 Edge Reward Points on card activation and every year the card membership is renewed

Rewards and Benefits

  • Savor Every Moment with Dining Delights:- Indulge in a culinary journey like no other with complimentary Eazydiner Prime membership, granting you access to a world of dining privileges. Enjoy 25% off at various restaurants and an additional 20% off at participating restaurants through the Dining Delights program. Plus, treat yourself to a movie night with a Buy One Get One offer on BookMyShow, where you can save up to Rs. 500 on the second ticket, up to 5 times a month.
  • Reward Yourself with Every Spend:- Earn rewards effortlessly with the Axis Bank Magnus Credit Card. Earn 15 Edge Reward Points for every Rs. 200 spent, and enjoy 2X Edge Reward Points on all international transactions. With every purchase, you’re one step closer to redeeming rewards for instant vouchers and exclusive products on the bank’s Edge Rewards redemption portal.
  • Travel in Style and Comfort:- Embark on unforgettable journeys with global travel and medical assistance on international trips, ensuring peace of mind wherever you go. Plus, enjoy 50 complimentary rounds of golf every year at the country’s premium golf courses, adding a touch of luxury to your travel experiences.
  • Relax and Unwind in Luxury Lounges:- Whether you’re traveling domestically or internationally, enjoy unlimited access to airport lounges with Priority Pass membership. Both primary and add-on cardholders can bask in the comfort and exclusivity of airport lounges, making every journey a memorable one.
  • Comprehensive Insurance Coverage:- With the Axis Bank Magnus Credit Card, enjoy comprehensive insurance coverage for added peace of mind. Benefit from purchase protection up to Rs. 2 Lakhs, 500 USD cover for loss/delay in baggage, and a Rs. 5 Lakhs credit shield, ensuring you’re always protected against unforeseen circumstances.
  • Zero Liability Protection for Added Security:- Rest easy knowing that you’re protected against fraudulent transactions with zero liability protection. In the unfortunate event of a lost or stolen card, report it to the bank, and you won’t be held liable for any fraudulent transactions.
  • Experience Luxury Redefined with Axis Bank Magnus Credit Card:- Indulge in the ultimate dining experiences, earn rewards with every spend, and travel with ease and luxury. Apply for your Axis Bank Magnus Credit Card today and embark on a journey of unparalleled privileges and experiences.

Fees & Charges

  • Spend-Based Fee Waiver:- Enjoy the renewal fee waived off when you achieve a minimum expenditure of Rs. 35 lakhs in the preceding 12 months. Your loyalty and spending habits are rewarded, ensuring that you continue to enjoy the benefits of the Magnus Credit Card without any renewal fees.
  • Rewards Redemption Fee:- Experience seamless rewards redemption without any additional charges. Redeem your accumulated rewards without worrying about any fees, making it easier for you to enjoy the benefits of your card to the fullest.
  • Foreign Currency Markup:- Experience global transactions with ease, with a foreign currency markup fee of just 1.5% of the transaction amount. Whether you’re traveling abroad or making international purchases, enjoy competitive rates and hassle-free transactions.
  • Interest Rates:- Benefit from competitive interest rates, with an interest rate of just 3% per month (equivalent to 42.58% annually). Enjoy financial flexibility without the burden of exorbitant interest charges, ensuring that you can manage your finances with ease.
  • Fuel Surcharge:- Say goodbye to fuel surcharges with the Axis Bank Magnus Credit Card. Enjoy a 1% fuel surcharge waiver at all filling stations across India for transactions between Rs. 400 and Rs. 4,000, with a maximum waiver capped at Rs. 400 per month. Experience savings every time you refuel, making your journeys more cost-effective.
  • Cash Advance Charges:- Access cash whenever you need it without incurring any charges. Benefit from nil cash advance charges, ensuring that you have access to funds in emergencies without any additional costs.
  • Add-On Card Fee:- Extend the benefits of your Magnus Credit Card to your loved ones with ease, as there are no charges for add-on cards. Share the convenience and privileges of your card with your family members, making their experiences just as rewarding.

Product Details

  • Kickstart your journey with 50,000 bonus Edge Reward Points as a welcome or renewal benefit upon card activation or renewal. It’s our way of expressing gratitude and ensuring that you start your membership with a bang.
  • Earn rewards effortlessly with every swipe of your card. Get 15 Edge Reward Points for every Rs. 200 spent, allowing you to accumulate points quickly and redeem them for a variety of exciting rewards.
  • Enjoy double the rewards with 2X Reward Points on all international spends. Whether you’re traveling for business or leisure, make the most of your purchases abroad and earn rewards at an accelerated rate.
  • Experience cost-effective transactions with a lower mark-up fee of just 1.5% of the transaction amount applicable on all foreign currency transactions. Say goodbye to excessive fees and enjoy seamless international transactions.
  • Relax and unwind before your flight with unlimited domestic airport lounge access for both primary and add-on cardholders. Additionally, enjoy international airport lounge access with complimentary Priority Pass membership, including 12 complimentary visits a year for accompanying guests.
  • Indulge in luxury stays with complimentary memberships to prestigious hotel programs. Enjoy the benefits of Club ITC Culinaire membership at ITC hotels, Accorplus membership at Accor hotels across India, and Club Marriott Asia Pacific membership with exclusive weekend benefits at participating Marriott hotels in India and Asia Pacific.



  1. Exclusive Golf Privileges: Embrace your passion for golf with over 50 complimentary golf rounds annually. Whether you’re a seasoned golfer or just starting out, indulge in premium golfing experiences at top courses around the country.
  2. Unlimited Lounge Access: Enjoy unparalleled comfort and relaxation with unlimited access to both domestic and international airport lounges. Whether you’re traveling for business or leisure, savor the luxury of complimentary lounge access at airports worldwide.


  1. High Joining Fee: As a premium credit card, the Axis Bank Prestige Reserve Credit Card comes with a joining fee of Rs 50,000. While this fee reflects the exclusive benefits and privileges offered by the card, it may not be accessible to everyone.

Axis Bank Reserve Credit Card Features and Benefits

Experience the epitome of luxury and exclusivity with the Axis Bank Reserve Credit Card, crafted to cater to the discerning tastes of elite individuals. From lavish travel perks to exquisite dining experiences and comprehensive insurance coverage, this card redefines opulence in every aspect.

Welcome/Renewal Benefits

Upon activation, indulge in the grandeur with 50,000 Edge Reward Points as a welcome gesture. What’s more? Receive an additional 50,000 Edge Reward Points annually upon renewal, subject to the realization of the annual fee, ensuring that every year brings new reasons to celebrate.

Complimentary Memberships

Unlock a world of privileges with complimentary memberships to prestigious programs:

Club ITC Culinaire Membership: Enjoy exclusive benefits including complimentary stays, discounts on room tariffs, and more at Club ITC properties. Accorplus Membership: Experience luxury stays with complimentary room upgrades, dining discounts, and complimentary lunch buffets at Accor hotels across India and the Asia Pacific region. Club Marriott Asia Pacific Membership: Enjoy discounts on dining and accommodation at participating Marriott hotels in India and the Asia Pacific region. Travel Benefits

Embark on seamless journeys with an array of travel benefits:

Complimentary Airport Concierge Service: Receive VIP assistance services at airports, ensuring a hassle-free travel experience from start to finish. Airport Lounge Access: Enjoy unlimited access to domestic and select international airport lounges with complimentary Priority Pass membership. Exclusive offers at Oberoi Hotels and Resorts and Postcard Hotels: Avail discounts and complimentary benefits at luxury hotels, enhancing your travel experiences. Luxury Airport Transfers

Relish the luxury of chauffeur-driven airport transfers, making your travel experiences even more opulent and convenient. Enjoy 4 complimentary luxury airport pick-ups/drop-offs annually, ensuring that every journey begins and ends in style.

Movies and Dining Benefits

Indulge in entertainment and culinary delights with exclusive benefits:

BOGO Offer on BookMyShow: Enjoy buy one get one offer on movie and non-movie tickets, maximizing your entertainment experiences. Complimentary Eazydiner Prime Membership: Experience premium dining with up to 25% off at select restaurants across the country. Dining Delights Program: Enjoy discounts at over 4,000 partner restaurants under Axis Bank’s Dining Delights program. Handpicked Experiences

Discover curated experiences including sailing, unique tours, golf, and culinary adventures at, adding a touch of exclusivity to your leisure activities.

Golf Benefit

Enjoy 50 complimentary rounds of golf every year at premium golf destinations, indulging in your passion for the game amidst breathtaking settings.

Health and Medical Benefits

Prioritize your well-being with health and medical benefits:

Weljii Offers: Receive discounts on health and wellness coaching plans from Weljii, ensuring holistic well-being. Second Medical Opinion: Access complimentary referral-based service for a second medical opinion from world-class specialists. Discounts on Health Packages and Pathology Tests: Avail discounts on health packages and pathology tests at select diagnostic centers. Global Medical Assistance: Access global medical assistance through Axis Bank’s concierge service, providing peace of mind during travels.

Insurance Benefits

Stay protected with comprehensive insurance coverage, ensuring financial security in unforeseen circumstances.

Insurance Type Amount Covered
Purchase Protection Rs. 2 Lakh
Loss/delay in baggage/personal documents USD 500
Credit Shield Rs. 5 Lakh
Counterfeit/Lost Card Up to the card’s credit limit

Unravel the Ultimate Luxury Experience with the Axis Bank Reserve Credit Card

Elevate your lifestyle to new heights with the Axis Bank Reserve Credit Card, a pinnacle of luxury and exclusivity. From unparalleled rewards to elite travel benefits, this card epitomizes sophistication and indulgence.

Fuel Surcharge Waiver

Experience convenience and savings with a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000, capped at Rs. 400 per statement cycle. Additionally, earn 15 EDGE Reward Points for fuel transactions below Rs. 400 and above Rs. 4,000, ensuring rewards even on essential expenses.

Reward Earning

Reap the rewards of luxury with 15 Edge Reward Points for every Rs. 200 spent, with 2X Edge Reward Points on all international transactions. Delight in the accumulation of rewards as you indulge in your lifestyle preferences, with every spend bringing you closer to exclusive rewards and benefits.

Reward Redemption

Unlock a world of possibilities with Edge Reward Points, redeemable for instant vouchers and exclusive products on Axis Bank’s Edge Rewards portal. Enjoy a reward rate of 1.5% on domestic spends and 3% on international spends, ensuring maximum value for your transactions. Additionally, convert your Edge Reward Points to Edge Miles for international and domestic airline programs, expanding your travel horizons.

Fees and Charges

Experience luxury with ease, with an annual fee of Rs. 50,000 for the Axis Bank Reserve Credit Card. However, enjoy the flexibility of an annual fee waiver on spending milestones, ensuring that your membership remains rewarding and cost-effective. Benefit from a lower interest rate of 3% per month and a nominal foreign currency markup fee of 1.5%, making international transactions seamless and economical. Plus, enjoy the convenience of zero cash advance fees, providing financial flexibility when you need it most.


Discover a world of possibilities with the Axis Bank Reserve Credit Card, a super-premium offering that rivals the best in the industry. With unparalleled travel benefits, exclusive memberships, and lucrative rewards, this card is tailored for the discerning traveler and connoisseur of luxury. If you seek the epitome of luxury and indulgence, the Axis Bank Reserve Credit Card is your perfect companion.

Experience the epitome of luxury with the Axis Bank Reserve Credit Card. Apply now and embark on a journey of unmatched privileges and experiences.

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