Axis Bank · Super-premium
Axis Reserve
Earns Axis EDGE (Reserve & Magnus: 5:2)
Where it ranks across all 187 cards
#12 Gaming
2.3%
direct
#14 Mobile / broadband
2.3%
direct
#17 Train tickets
2.3%
direct
#18 Other
2.3%
direct
#20 Health & pharmacy
2.3%
direct
#22 Cabs & transit
2.3%
direct
#25 Electronics
2.3%
direct
#29 Flights
2.3%
direct
portal reaches 7.5%
#29 Hotels
2.3%
direct
portal reaches 7.5%
#30 Dining out
2.3%
direct
#32 Groceries
2.3%
direct
#34 Online shopping
2.3%
direct
#34 Movies & events
2.3%
direct
#34 Fashion
2.3%
direct
#36 Food delivery
2.3%
direct
#13 Education
1.1%
direct
#7 Rent
0.1%
direct
23 Sep 2026 - Axis EDGE dropped Club ITC (Sep 2026)
Axis points can no longer be moved to Club ITC. If you were saving points for an ITC transfer, that route is closed. The same change brought back Accor and added Cathay, Hilton and Miles & More.
Source: Axis Travel Edge Miles Transfer T&C · read 23 Sep 2026
28 Aug 2026
From 28 Aug 2026: late fees rise, gift cards and tolls no longer earn, and Priority Pass no longer works in Indian lounges (the 1.5% markup abroad is unchanged). Transfers are capped at 1 lakh points a year to Group A partners and 4 lakh to Group B.
2 Apr 2026 - Axis EDGE still cannot reach Marriott (dropped Apr 2, 2026)
Axis points still cannot be moved to Marriott (removed 2 Apr 2026). Use Amex or HSBC points for Marriott instead. Accor, removed at the same time, is back; Qatar Avios still transfers, at a lower rate.
Source: Axis Travel Edge Miles Transfer T&C · read 23 Sep 2026
Get an email if this card changes - sign in.
EDGE catalogue ~₹0.20/pt
Points valued at ₹0.3/pt - conservative, what rankings use · transfers reach up to ₹0.46/pt via Accor ALL (Live Limitless) at 5:1
Reward rules2 direct
Base rate - everything not covered below
2.25%base rate
15 pts / ₹200
source
Source: Axis Reserve card page (axis.bank.in) - axis.bank.in - read 22 Aug 2026
2X on international spends (30 ERP/₹200, w.e.f. 20 Jun 2025)
4.50%this rule
30 pts / ₹200
source
Source: Reserve T&C 13 May (bank PDF) - axis.bank.in - read 22 Aug 2026
Base rate, but capped1
Rent EARNS base rate up to ₹1,00,000 spend/month
base rate
source
Source: Reserve T&C 13 May (bank PDF) - axis.bank.in - read 22 Aug 2026
Via portals & vouchersdisplay, never ranks
Accelerated on Travel Edge portal
via traveledge
source
Source: Reserve revision 20 Apr 2024 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
7.5%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
What 10,000 points become. The low end of each range ranks; the high end is display only.
Accor ALL (Live Limitless)
5:1 ratio · Back as a partner in the Sep 2026 revision, Group A, reduced ratio tier.
2,000 ptsworth ₹4,200-₹4,600
Singapore Airlines KrisFlyer
5:2 ratio
4,000 ptsworth ₹3,200-₹10,000
Air Canada Aeroplan
5:2 ratio
4,000 ptsworth ₹3,200-₹8,800
Postcard Hotels Sunshine Club
5:2 ratio
4,000 ptsworth ₹3,200-₹4,400
Japan Airlines Mileage Bank
5:2 ratio
4,000 ptsworth ₹2,800-₹8,000
Turkish Airlines Miles&Smiles
5:2 ratio
4,000 ptsworth ₹2,800-₹8,800
Air France-KLM Flying Blue
5:2 ratio · Moved to Group A in the Sep 2026 revision.
4,000 ptsworth ₹2,800-₹8,000
United MileagePlus
5:2 ratio
4,000 ptsworth ₹2,400-₹7,200
Yearly limits: 1 lakh points to Group A and 4 lakh to Group B (5 lakh in all).
Earns nothing on10 exclusions
Tolls and bridge fees
earns nothing
Bridge fees, road fees and tolls: no rewards (from 28 Aug 2026).
→ use FIRST Private here (6.6%)
detail & source
MCCs: 4784
Source: Axis credit card T&C revision effective 28-08-2026 (campaign.axis.bank.in PDF) - campaign.axis.bank.in - read 27 Aug 2026
Gift, card, novelty and souvenir shops
earns nothing
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026).
→ use FIRST Private here (6.6%)
detail & source
Axis excludes by spend category; 5947 is the closest MCC mapping.
MCCs: 5947
Source: Axis credit card T&C revision effective 28-08-2026 (campaign.axis.bank.in PDF) - campaign.axis.bank.in - read 27 Aug 2026
Government / tax
earns nothing
Government institutions excluded from EDGE earn (Sep 2023).
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
Since 20 Jun 2025 Axis identifies exclusions by spend category, not MCC; codes here are from the last bank-published MCC tables.
categories: Government / tax · MCCs: 9222, 9311, 9399, 9402
Source: Reserve revision 1 Sep 2023 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Utility bills
earns nothing
Utilities excluded from EDGE earn (Sep 2023).
→ use FIRST Private here (6.6%)
detail & source
categories: Utility bills · MCCs: 4814, 4816, 4899, 4900
Source: Reserve revision 1 Sep 2023 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Insurance
earns nothing
Insurance excluded (Apr 2024).
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 5960, 6300, 6381, 6051, 6012
Source: Reserve revision 20 Apr 2024 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Fuel
earns nothing
Fuel excluded (Apr 2024).
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5541, 5542, 5983
Source: Reserve revision 20 Apr 2024 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Jewellery & watches
earns nothing
Gold and jewellery excluded (Apr 2024).
→ use HDFC Infinia Metal here (3.3%)
detail & source
categories: Jewellery & watches · MCCs: 5094, 5944
Source: Reserve revision 20 Apr 2024 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Wallet load
earns nothing
Wallet loads excluded (Apr 2024).
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540
Source: Reserve revision 20 Apr 2024 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
EMI
earns nothing
EMI conversions: earned points are debited (EDGE master T&C).
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Axis credit cards MITC (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
FASTag recharge
earns nothing
W.e.f. 28 Aug 2026: no rewards on bridge fees, road fees and tolls (portfolio-wide revision).
detail & source
Gift-card purchases also reclassified to an excluded Gift Card category.
merchants: FASTag recharge
Source: Axis 28-Aug-2026 generic revision (campaign PDF) - campaign.axis.bank.in - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.
EazyDiner
Complimentary EazyDiner Prime membership
Source: Axis Bank - Reserve Credit Card - axis.bank.in - read 11 Oct 2026
Swiggy
Complimentary Swiggy One membership
Source: Axis Bank - Reserve Credit Card - axis.bank.in - read 11 Oct 2026
AccorPlus
Complimentary AccorPlus membership
Source: Axis Bank - Reserve Credit Card - axis.bank.in - read 11 Oct 2026
Club ITC Culinaire
Complimentary Club ITC Culinaire membership
Source: Axis Bank - Reserve Credit Card - axis.bank.in - read 11 Oct 2026
Club Marriott Asia Pacific
Handcrafted Club Marriott Asia Pacific membership
Source: Axis Bank - Reserve Credit Card - axis.bank.in - read 11 Oct 2026
The Postcard Hotel
15% savings at The Postcard Hotel
Source: Axis Bank - Reserve Credit Card - axis.bank.in - read 11 Oct 2026
15%discount