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Side-by-Side Comparison|Updated April 2026

Axis Bank Infinite Credit Card vs Axis Bank Reserve Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Infinite Credit Card

8/10
Annual FeeFree
Base Rewards0.2%
NetworkVisa
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Axis Bank

Axis Bank Reserve Credit Card

8.2/10
Annual Fee₹50,000
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Infinite Credit CardAxis Bank Reserve Credit Card
Annual FeeFree₹50,000
Joining FeeFree₹50,000
Fee Waiver SpendN/A₹35,00,000
Base Reward Rate0.2%0.2%
Reward CurrencyEdge Reward PointsEDGE REWARD Points
NetworkVisaVisa
Editor Rating8/108.2/10
Forex Markup3.5%3.5%

Pros & Cons

Axis Bank Infinite Credit Card

Pros

  • Zero joining and annual fees for eligible HNI customers
  • 1.5% base reward rate (15 Edge Points per ₹200) on all eligible spends
  • Complimentary domestic and international airport lounge access
  • Waiver of reward redemption fees for this specific variant

Cons

  • Extremely high interest rate of 55.55% p.a. on revolving credit
  • Invite-only availability restricted to premium banking segments
  • Reward points value is lower (₹0.20) compared to other super-premium cards

Axis Bank Reserve Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on members with 12 guest visits.
  • Comprehensive luxury hotel memberships including Accor Plus, Club Marriott, and ITC Culinaire.
  • Low foreign currency markup fee of 1.5%, ideal for high international spenders.
  • 8 complimentary VIP Airport Concierge services for seamless check-in and immigration.

Cons

  • High annual fee of ₹50,000 with no renewal bonus points (discontinued April 2024).
  • Steep annual fee waiver threshold of ₹35 Lakhs.
  • Significant reward exclusions including fuel, gold, insurance, and utilities.

Our Verdict

Axis Bank Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Reserve Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Infinite Credit Card if

Ideal for those who want a zero-fee card with premium Visa Infinite tier benefits and lounge access.

Choose Axis Bank Reserve Credit Card if

Offers unparalleled airport services, unlimited lounge access for family, and premium hotel memberships.

Frequently Asked Questions

Which is better: Axis Bank Infinite Credit Card or Axis Bank Reserve Credit Card?
Axis Bank Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Reserve Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Infinite Credit Card and Axis Bank Reserve Credit Card?
Axis Bank Infinite Credit Card has no annual fee, while Axis Bank Reserve Credit Card has an annual fee of ₹50,000. Axis Bank Reserve Credit Card offers a fee waiver on ₹35,00,000 annual spend.
Which card has better rewards: Axis Bank Infinite Credit Card or Axis Bank Reserve Credit Card?
Axis Bank Infinite Credit Card offers a base reward rate of 0.2%. Axis Bank Reserve Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Infinite Credit Card and Axis Bank Reserve Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Infinite Credit Card and Axis Bank Reserve Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Infinite Credit Card or Axis Bank Reserve Credit Card?
For beginners, Axis Bank Infinite Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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