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CRED Sovereign vs Axis Bank Select 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.

CRED Sovereign Credit Card versus Axis Bank Select Credit Card compared
FeatureCRED Sovereign Credit CardCRED Sovereign Credit CardIndusInd Bank1 recent change →
Axis Bank Select Credit CardAxis Bank Select Credit CardAxis Bank5 recent changes →
Rewards by spend
RewardsRewards not published1% base, up to 2% on groceries
UPI payments (scan and pay)Not statedEarns nothing
Online shoppingNot stated1%
Dining and food deliveryNot stated1%
GroceriesNot stated2%
Travel: flights, hotels, trainsNot stated1%
FuelNot statedEarns nothing
Bills and rechargesNot statedEarns nothing
RentNot statedEarns nothing
Insurance premiumsNot statedEarns nothing
School and college feesNot statedEarns nothing
Wallet top-upsNot statedEarns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currencyNot stated1%
Everything elseNot stated1%
Card identity
Card typePremiumGrocery
NetworkRuPayVisa
Card tierSuper premiumPremium
Fees
Joining fee-₹3,000 + GST
Annual fee-₹3,000 + GST
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 type-Reward points
Point value-₹0
Fuel surcharge
Fuel surcharge waiverNoYes
Lounge access
Domestic lounge visits-8
International lounge visits-6
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge condition-Spend Rs 50,000 in the previous quarter for domestic lounge access
Forex and international
Forex markup-3.5%
Interest and charges
Interest rate (monthly)-3.75%
Interest rate (annual)-45%
Page content
Documents needed-PAN card Aadhaar / address proof Income proof (salary slips or ITR)
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Best For

CRED Sovereign Credit Card

    Nothing stands out from the published figures.

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

    Watch-Outs

    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
    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

    Card data sourced via CardAdvisor.in (CRED Sovereign Credit Card, Axis Bank Select 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.

    Work Out the Numbers

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