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Axis Bank Select Credit Card vs Kiwi Credit Cards 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 Kiwi Credit Cards compared
FeatureAxis Bank Select Credit CardAxis Bank Select Credit CardAxis Bank5 recent changes →
Kiwi Credit CardsKiwi Credit CardsKiwi, issued by AU Small Finance Bank5 recent changes →
Rewards by spend
Rewards1% base, up to 2% on groceries1% base, up to 1.5% on UPI payments
UPI payments (scan and pay)Earns nothing1.5%
Online shoppingsame1%1%
Dining and food deliverysame1%1%
Groceries2%1%
Travel: flights, hotels, trainssame1%1%
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currencysame1%1%
Everything elsesame1%1%
Card identity
Card typeGroceryCashback
NetworkVisaRuPay
Card tierPremiumEntry
Fees
Joining fee₹3,000 + GSTFree
Annual fee₹3,000 + GSTFree
Lifetime freeNoYes
First year freeNoYes
Fee waived at₹8,00,000-
Eligibility
Min age18 years22 years
Max age70 years55 years
Employment typesameBOTHBOTH
Min monthly salary₹50,000-
Min credit score-720
Rewards
Reward typeReward pointsCashback
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap-₹250
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 markupsame3.5%3.5%
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)3.75%3.99%
Interest rate (annual)45%47.88%
Redemption
Redemption method-Bank transfer
Redemption fee-₹0
Page content
Eligibility-Age: 18 to 65 years Min. income: ₹15,000/mo Employment: Salaried · Self-employed
Documents neededPAN card Aadhaar / address proof Income proof (salary slips or ITR)PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

Axis Bank Select Credit Card
Rewards a year
₹3,000
Fee a year
- ₹3,540
You keep
- ₹540
Kiwi Credit Cards
Rewards a year
₹2,700
Fee a year
₹0
You keep
₹2,700

At this spend, Kiwi Credit Cards comes out ₹3,240 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

Axis Bank Select Credit Card
  • Salaried users who travel
  • Golfers
  • BigBasket grocery shoppers
Kiwi Credit Cards
  • First-time credit card users
  • People who pay mostly by UPI QR codes
  • Anyone wanting a free card to build a credit score

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
Kiwi Credit Cards
  • Headline 5% needs the paid Neon plan and big spends
  • Only about 0.5% on non-UPI online spends
  • Kiwis redeem only in blocks of 500 (Rs 125)
  • 3.5% forex fee makes it poor abroad

Card data sourced via CardAdvisor.in (Axis Bank Select Credit Card, Kiwi Credit Cards), 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 Kiwi Credit Cards?

Kiwi Credit Cards. Kiwi Credit Cards: 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?

Axis Bank Select Credit Card has the lowest forex markup. Axis Bank Select Credit Card: 3.5%; Kiwi Credit Cards: 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%, Kiwi Credit Cards 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

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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