Axis Bank Signature Credit Card with Lifestyle Benefits vs Axis Bank Reserve Credit Card

Joining Fees

₹5,000

₹30,000

Editor's Rating

4

3.7

Key Features

  • Based on your spending patterns and payment behaviours over a period of time, the unique flexible spending limit will allow you to spend over and above the assigned credit card limit at no additional charge
  • From second year onwards, Annual Fee Rs. 3000 will be waived on the achievement of spends threshold of Rs. 3 Lakhs in the preceding year 
  • On any transactions above Rs. 2500, contact the bank to convert it into EMIs
  • Air Accident Cover up to Rs. 2,50,00,000
  • Purchase Protection up to Rs. 1,00,000
  • Loss Travel Document cover/Delay  of check-in baggage cover up to 300 USD
  • Complimentary access to airport lounges in India 
  • With Priority Pass access over 700 VIP lounges in over 90 countries and  275 cities. Only the membership to the Priority Pass Program is complimentary
  • 50% Cashback on movie tickets purchased through BookMyShow. Maximum Cashback in a calendar year is limited to Rs. 2000
  • Discover unique  delectable cuisines with Axis  Bank Dining Delights that  offers  15% off at partnered restaurants in India 
  • Fuel surcharge refund valid on transactions between Rs.  400 and Rs. 4000 only. Maximum benefits up to Rs. 400 per month
  • Earn EDGE REWARD points for transactions and use them to redeem from 500+ rewards and offers
  • Earn 10 points on Domestic spends for every Rs. 200
  • Earn 20  points on International spends for every Rs. 200
  • 100  points on  the first online transaction 
  • Upon joining Axis Bank Reserve Credit Card, avail 50000 reward points on card activation and renewal
  • 15 edge reward points for every Rs.200 spent
  • 2X rewards on international spends
  • Annual fee will be waived off on spending Rs.25 lakh in the preceding year
  • Reduced markup of 1.5% on international transactions
  • No cash withdrawal charges
  • Fuel surcharge waiver: 1% for transactions between Rs.400 to Rs.4000 (Capped at Rs.400 per month)
  • Reduced APR of 2.5% on extended credit
  • Counterfeit/lost card liability up to credit limit
  • Purchase protection: Rs.2 Lakhs
  • Loss/Delay in baggage & Personal Documents: 500 USD
  • Credit shield: Rs.5 Lakhs
  • Air accident cover: Rs.450 Lakhs
  • Complimentary airport concierge services: Get 8 complimentary VIP Assistance Services for a hassle-free experience. The services include assistance across airport processes, such as check-in, security check, immigration processes and porter services
  • Complimentary luxury airport transfers: Get 4 complimentary chauffeured luxury airport pick-ups/drops every year
  • Complimentary Priority Pass membership with unlimited visits: Cherish the benefit of unlimited complimentary international lounge visits for both primary and add-on cardholders along with the Priority Pass membership. 12 complimentary visits in a year for accompanying guests
  • Avail unlimited complimentary domestic lounge visits for both the primary and add-on card holders. 12 complimentary guest visits in a year for accompanying guests
  • Club ITC Culinaire Membership: Complimentary third night stay, 50% savings on published room tariff for suites on weekends, 25% Green Points on Food & Beverage spends, and Bouquet of 10 certificates and more
  • Accorplus membership: Get 1 night complimentary stay across Asia Pacific region, complimentary room upgrade, 50% off on dining, and complimentary lunch buffet for 2 across Accor hotels in India
  • Handcrafted Club Marriott Asia Pacific membership: Avail 20% off on food and beverage and 20% off on best available rates at participating Marriott hotels in India and on Weekend rates in the Asia Pacific
  • Exclusive offers at Oberoi Hotels and Resorts: Get 15% savings on Room Only Rate and Room with Breakfast Rate or 3rd Night complimentary, 50% savings on Best Available Rates on suites
  • 20% savings at Postcard hotels: Avail 20% off on best available room rate, anytime check-in and check out, and a complimentary lifestyle consultation (applicable at our hotels in Goa)
  • Complimentary golf rounds: 50 Complimentary golf rounds every year across best golf courses in India
  • Complimentary EazyDiner Prime membership: Savings of up to 25% across premium restaurants
  • Buy 1 and Get 1 complimentary on BookMyShow: Buy 1 movie ticket and get up to Rs.500 off on the second ticket for a maximum of 5 times a month. And buy 1 non-movie ticket and get up to Rs.1000 off on the second ticket for a maximum of 5 times a month
  • Dining delights: A dining proposition on Axis Bank cards which provides up to 20% discount at over 4,000 restaurants across India
  • Handpicked experiences at extraordinaryweekends.com: Curated experiences such as sailing, golf, chef for a day, unique tours, etc
  • Concessions on health and wellness coaching at Weljii: 1st complimentary information session and 25% savings on all health and wellness coaching plans
  • Second medical opinion with world-class medical specialists: Referral-based service for second medical opinion with world-class specialists at reputed international hospitals
  • Diagnoses at leading medical institutions: Exclusive savings on healthcare packages and pathology tests at Dr. Lal Pathlabs, Metropolis and SRL Diagnostics
  • Global travel and medical assistance for international travel

Editor's Review

Pros

  • Avail Gift Vouchers from top brands
  • Earn 10/20 points for every Rs. 200 spent on Domestic/International spends
  • Obtain Air Accident Insurance Cover 

Cons       

 

  • The joining fee is Rs. 5000, which's higher than Axis Bank Privilege Credit Card

 

 

Pros

  • Fuel Surcharge Waiver
  • Handcrafted Club Marriott Asia Pacific Membership
  • Exclusive offers at Oberoi Hotels and Resorts

Cons

  • High Joining and Annual Fees


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