{
  "id": "axis-reserve",
  "locale": "en",
  "name": "Axis Bank Reserve",
  "bank": "Axis Bank",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹50,000 + GST",
  "loungeAccess": "Unlimited Domestic & Intl (+12 Free Guests)",
  "rewardsRate": "30 EDGE Pts / ₹200 forex (7.5%) · 15 EDGE domestic · 4 Airport Chauffeurs · 8 Meet & Greet",
  "bestFor": "Ultra-HNIs, luxury globetrotters, VIP airport meet & greet, chauffeur transfers & 50 golf rounds",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/reserve-credit-card",
  "aiVerdict": {
    "score": 5,
    "summary": "Its lounge access is the standout benefit for travellers.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹50000) erodes net rewards"
    ],
    "confidence": 0.75
  },
  "affiliateId": "axis-reserve",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Axis Bank — Reserve Credit Card schedule of charges",
    "Axis Bank Reserve — Luxury chauffeur, VIP meet & greet and lounge terms"
  ],
  "feeWaiver": "Waived at ₹35,00,000 annual spend",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Airport Chauffeur",
      "value": "4 Luxury Pickups / year"
    },
    {
      "key": "VIP Meet & Greet",
      "value": "8 Fast-Track Visits / year"
    },
    {
      "key": "Global Lounges",
      "value": "Unlimited (+12 Guests)"
    },
    {
      "key": "Golf Privilege",
      "value": "50 Rounds / year"
    },
    {
      "key": "Forex Markup",
      "value": "1.5% + GST"
    },
    {
      "key": "Annual Fee",
      "value": "₹50,000 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "International Foreign Currency Spends",
      "rate": "3.0%–7.5% (30 EDGE / ₹200)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "15,000 EDGE Pts (₹3,000–₹7,500 value)"
    },
    {
      "category": "Domestic Retail Spends",
      "rate": "1.5%–3.75% (15 EDGE / ₹200)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "7,500 EDGE Pts (₹1,500–₹3,750 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 EDGE Pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "International Transactions",
      "multiplier": "2×",
      "rate": "3.0%–7.5%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "30 EDGE points per ₹200 spent."
    },
    {
      "channel": "Airport Chauffeur Transfers",
      "multiplier": "VIP",
      "rate": "4 Free Transfers",
      "monthlyCap": "4 / year",
      "dailyCap": "—",
      "note": "Luxury sedan airport drop/pickup."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Aviation & Hotel Mile Partners (5:4 / 5:2)",
      "value": "₹0.50–₹1.00 / mile",
      "minPoints": "500 pts",
      "ceiling": "Group Cap applies",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Luxury Catalog & ITC Stays",
      "value": "₹0.20 / pt",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹4,000).",
    "Wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹50,000 + GST (50,000 EDGE Points + Accor Plus + ITC Culinaire)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹50,000 + GST (Waived at ₹35,00,000 spend; 50k pts on renewal)"
    },
    {
      "item": "Forex Markup",
      "value": "1.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "2.5% / month (30.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "25–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹3 Lakhs+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹40 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}