Axis Bank Select Credit Card from Axis Bank

Axis Bank Select Credit Card review

Axis Bank · Visa · points Official sources Checked 31 Oct 2026

At a glance

Annual fee: ₹3,000
Joining fee: ₹3,000
Fee waiver: ₹8,00,000 a year
Base return: 1% base
Point value: ₹0.2 per point
Domestic lounge: 2 a quarter. Needs ₹50,000 spend in previous 3 months (max 8/year). Priority Pass not valid at Indian domestic lounges from 28 Aug 2026
International lounge: 6 Priority Pass visits per year plus 6 more on ₹3 lakh anniversary-year spend (12 total); from 1 Oct 2026 excluded categories do not count (official Axis page and Priority Pass T&C)

Estimated net value a year

Profile	Net	% of spend
First card, light spender ₹15k a month	−₹1,164	-0.7%
Metro salaried ₹60k a month	₹4,960	0.7%
Family household ₹80k a month	₹7,000	0.7%
Frequent flyer ₹1.5L a month	₹18,400	1.0%
Online shopper ₹50k a month	₹4,120	0.7%
Rent-heavy ₹90k a month	₹4,840	0.4%

Fee maths: The ₹3,000 annual fee is waived at ₹8,00,000 a year of eligible spend, about ₹66,700 a month. Of our 6 profiles, 1 clear it; on first card, light spender, metro salaried, family household, online shopper, rent-heavy you would pay the fee, which is 30% to 163% (₹1,836 to ₹10,000) of what those profiles earn before the fee. On our 6 profiles it nets from −₹1,164 (first card, light spender) to ₹18,400 (frequent flyer), equal to −0.7% to 1.0% of spend across the profiles. Without a waiver, the metro salaried category mix earns back the fee from about ₹26,000 a month of total spend.

After fees and caps, best-case redemption. Use your own spend.

Our take: Its base rate is 5 points per ₹100, with the doubled rate limited to retail shopping up to 2,000 points a month. At ₹3,000 a year it pays off for higher spenders who use the two domestic lounge visits a quarter.

From the card's terms: strengths

2 domestic lounge visits a quarter

Reward rates and caps

Spend category	Points per ₹100	Value per ₹100	Cap	Notes
Groceries	10	₹2	2000 pts monthly	20 EDGE points per ₹200 (2X) only on 'Retail Shopping' (department stores, grocery, clothing/apparel stores) up to ₹20,000 cumulative monthly spend; above that 10 per ₹200 (official Axis page). Calculator maps retail shopping to groceries only.
Everything else, Amazon, Flipkart, Other online shopping, Dining & food delivery, Entertainment & OTT, Flights & hotels	5	₹1	No cap found	Base: 10 EDGE points per ₹200 on all eligible spends (official Axis page).
Fuel, Bills & utilities, Rent	0	₹0	No cap found	No points on insurance, rent, fuel, education, utilities and telecom, wallet, gold/jewellery, government, gift cards, bridge fees/road fees/tolls (official Axis page).

Point value: Official Axis page: 10,000 EDGE Reward Points worth ₹2,000 on first transaction, i.e. ₹0.20 per point.

Excluded or reduced

Insurance
Rent
Fuel
Education
Utilities and telecom
Wallet loads
Gold/jewellery
Government services
Gift cards (from 28 Aug 2026)
Bridge fees, road fees and tolls (from 28 Aug 2026)
From 1 Oct 2026 these categories no longer count toward the ₹3 lakh threshold for extra lounge visits, golf rounds and Priority Pass renewal

Spend milestones

Spend ₹3,00,000 a year: 5,000 bonus EDGE points, Priority Pass renewal, 6 extra golf rounds (from 1 Oct 2026 excluded categories no longer count) (about ₹1,000)

Other benefits

Welcome: 10,000 EDGE points (₹2,000) on first transaction within 30 days (official Axis form page cites ₹2,000 Amazon voucher - conflicting).
Renewal: None
6 golf rounds/year
Swiggy ₹200 off on ₹1,000+ twice a month
BigBasket ₹500 off on ₹2,500+ monthly
District BOGO movies up to ₹250 twice a month (needs ₹25,000 spend in prior 3 months from 1 Nov 2026)
Forex markup 3.5% (DCC reportedly 3.5% from 28 Aug 2026)

Eligibility

Age 18-70 (primary), net income ₹6 lakh+ per annum (official Axis page; indicative). indicative: check the application page

Reported rule changes

28 Aug 2026: Axis Bank: changes effective 28 August 2026 (tolls, DCC markup, lounges) official

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FAQ

What is the annual fee of the Axis Bank Select Credit Card?

₹3,000 a year, waived at ₹8,00,000 annual spend. Fees exclude 18% GST.

How do Axis Bank Select Credit Card rewards work?

1% base, up to 2% on groceries. Official Axis page: 10,000 EDGE Reward Points worth ₹2,000 on first transaction, i.e. ₹0.20 per point.

Does the Axis Bank Select Credit Card give airport lounge access?

Domestic: 2 a quarter. Needs ₹50,000 spend in previous 3 months (max 8/year). Priority Pass not valid at Indian domestic lounges from 28 Aug 2026. International: 6 Priority Pass visits per year plus 6 more on ₹3 lakh anniversary-year spend (12 total); from 1 Oct 2026 excluded categories do not count (official Axis page and Priority Pass T&C).

Who is the Axis Bank Select Credit Card best suited to?

Its base rate is 5 points per ₹100, with the doubled rate limited to retail shopping up to 2,000 points a month. At ₹3,000 a year it pays off for higher spenders who use the two domestic lounge visits a quarter. The ₹3,000 annual fee is waived at ₹8,00,000 a year of eligible spend, about ₹66,700 a month. Of our 6 profiles, 1 clear it; on first card, light spender, metro salaried, family household, online shopper, rent-heavy you would pay the fee, which is 30% to 163% (₹1,836 to ₹10,000) of what those profiles earn before the fee. On our 6 profiles it nets from −₹1,164 (first card, light spender) to ₹18,400 (frequent flyer), equal to −0.7% to 1.0% of spend across the profiles.