Axis Bank Select vs Indusind Bajaj Tiger 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: 28 September 2026.
| Feature |  Axis Bank Select Credit CardAxis Bank5 recent changes → |  Indusind Bajaj Tiger Credit CardIndusInd Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% base, up to 2% on groceries | 0.4% on most spends | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 1% | 0.4% | |
| Dining and food delivery | 1% | 0.4% | |
| Groceries | 2% | 0.4% | |
| Travel: flights, hotels, trains | 1% | 0.4% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | Earns nothing | Not stated | |
| Rent | Earns nothing | Not stated | |
| Insurance premiums | Earns nothing | Not stated | |
| School and college fees | Earns nothing | Not stated | |
| Wallet top-ups | Earns nothing | 0.4% | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 1% | 0.4% | |
| Everything else | 1% | 0.4% | |
| Card identity | |||
| Card type | Grocery | Rewards | |
| Networksame | Visa | Visa | |
| Card tier | Premium | Mid | |
| Fees | |||
| Joining fee | ₹3,000 + GST | Free | |
| Annual fee | ₹3,000 + GST | Free | |
| Lifetime free | No | Yes | |
| Fee waived at | ₹8,00,000 | - | |
| Eligibility | |||
| Min age | 18 years | - | |
| Max age | 70 years | - | |
| Employment type | BOTH | - | |
| Min monthly salary | ₹50,000 | - | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Lounge access | |||
| Domestic lounge visitssame | 8 | 8 | |
| International lounge visits | 6 | 2 | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| Lounge condition | Spend Rs 50,000 in the previous quarter for domestic lounge access | 8 domestic (2 a quarter) + 2 international airport lounge visits a year, no spend condition is published for the Tiger, though IndusInd began spend-gating domestic lounge access on several other cards from 1 April 2026 | |
| Forex and international | |||
| Forex markup | 3.5% | 1.5% | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | 3.5% | |
| Interest rate (annual) | 45% | 42% | |
| Redemption | |||
| Redemption fee | - | ₹100 | |
| Page content | |||
| Documents neededsame | PAN card Aadhaar / address proof Income proof (salary slips or ITR) | PAN card Aadhaar / address proof Income proof (salary slips or ITR) | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹3,000
- Fee a year
- - ₹3,540
- You keep
- - ₹540
- Rewards a year
- ₹1,524
- Fee a year
- ₹0
- You keep
- ₹1,524
At this spend, Indusind Bajaj Tiger Credit Card comes out ₹2,064 a year ahead of Axis Bank Select Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Salaried users who travel
- Golfers
- BigBasket grocery shoppers
- Occasional flyers who want free lounges
- International travellers
- Golfers on a budget
- People who want perks without a fee
Watch-Outs
- 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
- Base rewards are worth only about 0.4%
- Only 2 international lounge visits a year
Card data sourced via CardAdvisor.in (Axis Bank Select Credit Card, Indusind Bajaj Tiger Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, Axis Bank Select Credit Card or Indusind Bajaj Tiger Credit Card?
Indusind Bajaj Tiger Credit Card. Indusind Bajaj Tiger Credit Card: no annual fee; Axis Bank Select Credit Card: ₹3,000. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
Indusind Bajaj Tiger Credit Card has the lowest forex markup. Indusind Bajaj Tiger Credit Card: 1.5%; Axis Bank Select Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: Axis Bank Select Credit Card 1%, Indusind Bajaj Tiger Credit Card 0.4%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Which gives airport lounge access?
Axis Bank Select Credit Card: 8 domestic lounge visits a year; Indusind Bajaj Tiger Credit Card: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.
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.
Work Out the Numbers
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