Benefits of Axis Bank Reserve Credit Card

• Unlimited Lounge Access: International Lounges: Complimentary Priority Pass membership with unlimited visits for primary and add-on cardholders, plus 12 free guest visits per year at participating lounges worldwide.
  Domestic Lounges: Unlimited complimentary access for primary and add-on cardholders at participating lounges across India.
• Complimentary Airport Concierge Services: 8 free VIP Assistance Services per year for seamless airport experiences, including check-in, security, immigration, and porter services. Available for primary cardholders and their guests at 46 locations in India (bookings required 48 hours in advance).

How to Apply for Axis Bank Reserve Credit Card

• 1. Check for Pre-Approval or Invitation
  • The Axis Bank Reserve Credit Card is offered by invitation only to select high-net-worth customers.
  • Look for pre-approved offers in your Axis Bank Mobile App or Internet Banking under the “Credit Cards” section.
  • Contact your Relationship Manager if you hold a Priority or Wealth Banking account.
  • Call Axis Bank’s customer care at 1800 419 0065 to check eligibility or available offers.
• 2. Visit the Axis Bank Website
  • If you’ve received an invitation or pre-approval, visit www.axisbank.com.
  • Navigate to “Credit Cards” under “Personal > Cards” and locate the Reserve Credit Card.
  • Click on “Apply Now” (option visible only if pre-approved or logged into your account).
• 3. Fill Out the Application Form
  • Provide personal info: name, mobile number, email (must match Axis Bank records).
  • Enter professional details: employment type and monthly income.
  • Mention your location (PIN code or city of residence).
• 4. Complete Online Verification
  • Upload scanned copy of PAN and Aadhaar Card or alternate ID/address proof.
  • If prompted, complete video KYC using a smartphone or webcam.
  • For existing customers, Axis may verify KYC using your bank profile.
• 5. Submit Required Documents
  • Identity Proof: PAN, Aadhaar, Passport, Voter ID, etc.
  • Address Proof: Aadhaar, Passport, Utility Bill, etc.
  • Income Proof: Recent salary slips, bank statements, or ITR.
  • Photograph: Recent passport-size photo (if required).
• 6. Contact Relationship Manager or Visit Branch
  • If not pre-approved, express interest via Relationship Manager or by visiting a branch.
  • Share details about your income, Axis Bank relationship, and cardholding history.
  • The bank may issue an invitation based on eligibility.
• 7. Await Approval and Card Delivery
  • Approval timeline: 7–10 working days post verification.
  • Track status via SMS/email.
  • The Reserve metal card will be delivered to your registered address.
  • Activate within 30 days to avoid cancellation, per RBI guidelines.
• 8. Alternative Channels
  • Mobile App: Log in and check “Credit Cards” for pre-approved Reserve offers.
  • Customer Care: Dial 8885545255 to inquire and initiate the application.
  • Email/Relationship Manager: High-net-worth individuals can apply via personalized support.

Eligibility Criteria for Axis Bank Reserve Credit Card

• 1. Invitation-Only Status
  • This card is not open for public applications
  • Only offered by invitation to select Axis Bank customers
  • Typically extended to Burgundy Private clients or high-net-worth individuals
• 2. Age Requirements
  • Primary Cardholder: 18-70 years
  • Add-on Cardholder: Minimum 15 years
• 3. Income and Financial Standing
  • Although not publicly disclosed, annual income of ₹30 lakh+ is typically expected
  • Salaried: Income proof like salary slips or Form 16
  • Self-Employed: Income Tax Returns or business financials
• 4. Credit Score and History
  • CIBIL Score: 750 or higher preferred
  • Strong repayment history and low debt-to-income ratio are required
• 5. Residency
  • Must be a resident of India
  • NRIs may be considered if they maintain a premium relationship with Axis Bank
• 6. Relationship with Axis Bank
  • Preferred for Burgundy/Burgundy Private customers
  • High Net Relationship Value (e.g., ₹5 crore+) may influence eligibility
• 7. Lifestyle and Spending Profile
  • Ideal for individuals with high luxury, travel, and dining expenses
  • Spending patterns should align with card benefits like lounge access and concierge services
• 8. Employment Status
  • Must be salaried with a reputed employer or self-employed with verifiable income
• 9. Credit Limit Expectations
  • Applicants are generally expected to maintain a high credit limit, often ₹5 lakhs or above
• 10. Documentation Requirements
  • Complete KYC documents including PAN, Aadhaar, address proof, and income proofs are mandatory
  • Incomplete or inconsistent documentation may lead to rejection or delays
• 11. Fee and Spending Threshold
  • Annual fee of ₹50,000 + GST applies but is waived on spending ₹35 lakh annually
  • Applicants should demonstrate the capacity to meet these spending criteria
• 12. Verification and Background Checks
  • Extensive verification of financial standing, credit history, and personal background is performed
  • Any discrepancies can affect approval chances
• 13. Geographic Availability
  • Primarily offered in major metro cities with established Axis Bank premium services