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Axis Bank Select vs CRED Sovereign Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

Axis Bank Select Credit Card versus CRED Sovereign Credit Card compared
FeatureAxis Bank Select Credit CardAxis Bank Select Credit CardAxis Bank5 recent changes →
CRED Sovereign Credit CardCRED Sovereign Credit CardIndusInd Bank1 recent change →
Rewards by spend
Rewards1% base, up to 2% on groceriesRewards not published
UPI payments (scan and pay)Earns nothingNot stated
Online shopping1%Not stated
Dining and food delivery1%Not stated
Groceries2%Not stated
Travel: flights, hotels, trains1%Not stated
FuelEarns nothingNot stated
Bills and rechargesEarns nothingNot stated
RentEarns nothingNot stated
Insurance premiumsEarns nothingNot stated
School and college feesEarns nothingNot stated
Wallet top-upsEarns nothingNot stated
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency1%Not stated
Everything else1%Not stated
Card identity
Card typeGroceryPremium
NetworkVisaRuPay
Card tierPremiumSuper premium
Fees
Joining fee₹3,000 + GST-
Annual fee₹3,000 + GST-
Fee waived at₹8,00,000-
Eligibility
Min age18 years-
Max age70 years-
Employment typeBOTH-
Min monthly salary₹50,000-
Rewards
Reward typeReward points-
Point value₹0-
Fuel surcharge
Fuel surcharge waiverYesNo
Lounge access
Domestic lounge visits8-
International lounge visits6-
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge conditionSpend Rs 50,000 in the previous quarter for domestic lounge access-
Forex and international
Forex markup3.5%-
Interest and charges
Interest rate (monthly)3.75%-
Interest rate (annual)45%-
Page content
Documents neededPAN card Aadhaar / address proof Income proof (salary slips or ITR)-
ApplyApply NowApply Now

Best For

Axis Bank Select Credit Card
  • Salaried users who travel
  • Golfers
  • BigBasket grocery shoppers
CRED Sovereign Credit Card

    Nothing stands out from the published figures.

    Watch-Outs

    Axis Bank Select Credit Card
    • Rs 8 lakh spend needed for a fee waiver
    • Best earning only on the first Rs 20,000 a month
    • Domestic lounges need Rs 50,000 in the previous quarter
    • 3.5% forex markup
    CRED Sovereign Credit Card
    • Skip it if you spend a lot on UPI payments, online shopping, dining or groceries: the card's terms do not state a rate there, so we count nothing

    Card data sourced via CardAdvisor.in (Axis Bank Select Credit Card, CRED Sovereign Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

    Questions People Ask

    Can I hold more than one of these cards?

    Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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