Which card has a lower forex fee: Axis Bank Primus Credit Card or Axis Bank Reserve Credit Card?

Axis Bank Primus Credit Card has lower forex markup (0% vs 1.5%).

Which card has a lower annual fee: Axis Bank Primus Credit Card or Axis Bank Reserve Credit Card?

Axis Bank Reserve Credit Card has a lower annual fee (₹50,000 vs ₹3,00,000).

Which card offers better lounge access?

Axis Bank Primus Credit Card: Unlimited domestic lounge + Unlimited international. Axis Bank Reserve Credit Card: Unlimited domestic lounge + Unlimited international.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

Axis Bank Primus vs Axis Bank Reserve Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Primus and the Axis Bank Reserve. Verify fees, lounge access, forex markup, and base rewards before you apply.

Travel Axis Bank Primus Forex Axis Bank Primus

Quick comparison

Three core metrics

Primus Axis Bank

Annual fee ₹3,00,000
Forex markup 0%
Domestic lounge Not specified

Reserve Axis Bank

Annual fee ₹50,000 Waivable at ₹35,00,000 spend
Forex markup 1.5%
Domestic lounge Not specified

Reward earning explained

Per card

Primus

1 pt / ₹100

Limited data

Reserve

7.5 pts / ₹100

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Primus: ₹3,00,000 vs Axis Bank Reserve: ₹50,000), forex markup (0% vs 1.5%), or lounge access (Not specified vs Not specified).

Travel Axis Bank Primus wins

Axis Bank Primus is better for travel

Axis Bank Primus is stronger here. Forex markup is 0%.
Forex markup Axis Bank Primus wins

Axis Bank Primus is better for forex

Axis Bank Primus is stronger here. Forex markup is 0%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: Axis Bank Primus is not safely INR-comparable (no usable point value). Axis Bank Reserve conservative base value ~1.5% per ₹100.

Primus: Limited data Reserve: Limited data

Axis Bank Primus

Confidence: Low (limited information available)

Verify with issuer

Axis Bank Reserve

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Reserve: ~₹750/month at base rate
Primus: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Primus Axis Bank	Reserve Axis Bank
Lounge Access
Domestic lounge visits Missing for one or more cards	Not specified	Not specified
Forex / International Use
Forex markup Source agreement differs — verify both. 0% vs 1.5%	0%	1.5%
Fees
Annual fee ₹3,00,000 vs ₹50,000	₹3,00,000	₹50,000
Joining fee ₹5,00,000 vs ₹50,000	₹5,00,000	₹50,000
Fee waiver spend Only available for Reserve	Not specified	₹35,00,000
Rewards
Points per ₹100 1 pt / ₹100 vs 7.5 pts / ₹100	1 pt / ₹100	7.5 pts / ₹100
Conservative base value Not safely INR-comparable vs ~1.5%	Not safely INR-comparable	~1.5%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Reserve	Not specified	₹0.2

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.