Axis Bank
Axis Bank Select Credit Card
Data last verified: 11 October 2026
- Joining fee₹3,000 + GST
- Annual fee₹3,000 + GST
- Reward rate1% base, up to 2% on groceries
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹3,000 + GST
- Annual fee₹3,000 + GST
- Fee waiverOn ₹8 lakh spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
SELECT earns 20 EDGE points per Rs 200 on the first Rs 20,000 of spends each month, and less after that, with grocery spends earning a higher rate up to a cap. You get 10,000 EDGE points on your first transaction within 30 days, plus Rs 500 off BigBasket orders of Rs 2,500.
The fee is ₹3,000 plus GST and it is waived only at ₹8 lakh annual spend. Most users will pay it, so the welcome points, lounges and golf need to cover it.
It suits salaried users who travel and play golf. The catch is lounge access: domestic visits, 2 a quarter, need Rs 50,000 spend in the previous quarter, and the card has a 3.5% forex markup.
Best for: Salaried users who travel, Golfers, BigBasket grocery shoppers.
01Axis Bank Select Credit Card Rewards and Benefits
02Axis Bank Select Credit Card Annual Fee and Charges
- Joining fee
- ₹3,000 + GST
- Annual fee
- ₹3,000 + GST
- Spend-based waiver
- Annual fee waived on ₹8 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on groceries, earning 2%₹100
- ₹15,000 on everything else, earning 1%₹150
- Back each month, ₹3,000 a year₹250
- Annual fee with 18% GST−₹3,540
- It costs you each year₹540
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Groceries: 2% back, up to ₹400 a month
- Spending ₹66,667 or more a month: the ₹3,540 fee is waived
- Flyers: 14 airport lounge visits a year
Skip it if…
- you spend less than ₹66,667 a month (₹8,00,000 a year, rent and wallet loads not counted): the ₹3,540 fee is then charged
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on groceries: the 2% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹3,000 plus GST
- Fee waived on ₹8 lakh annual spend
- 20 EDGE points per ₹200 on the first ₹20,000 each month
- 10,000 EDGE points on first transaction within 30 days
- 2 domestic lounge visits a quarter on ₹50,000 spend, 6 international via Priority Pass
- 6 complimentary golf rounds
05Pros and Cons
Pros
- 10,000 welcome EDGE points
- Priority Pass international lounge visits
- Golf rounds included
- BigBasket discount
Cons
- ₹8 lakh spend needed for a fee waiver
- Best earning only on the first ₹20,000 a month
- Domestic lounges need ₹50,000 in the previous quarter
- 3.5% forex markup
06How Axis Bank Select Credit Card earns Rewards
1% base, up to 2% on groceries.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1% | No cap | The card's normal rate |
| Dining and food delivery | 1% | No cap | The card's normal rate |
| Groceries | 2% | ₹400, shared with other bonus rates | All merchants in the categoryTerms: 2X retail-shopping accelerator, 20 EDGE Reward Points per ₹200 (~2%), capped at ₹20,000 of such spend a month (2,000 points) shared across all retail-shopping merchant types; above the cap the rate reverts to 10 points per ₹200. |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 10 EDGE Reward Points per ₹200 (~1%) on all spends, uncapped; accelerated to 20 points per ₹200 (~2%) on eligible spends up to ₹20,000 a month. 1 point ≈ ₹0.20.
Point value. 1 point is worth about ₹0.2 at the bank's stated value.
07Axis Bank Select Credit Card Lounge Access and Travel
Domestic lounge access is 8 visits a year, international is 6 visits a year, through Priority Pass with Priority Pass. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, golf privileges, airport lounge access, milestone bonuses, movie ticket offers.
- Fuel surcharge waiver: 1% fuel surcharge refund on fuel transactions between ₹400 and ₹4,000, capped at ₹400 a statement cycle. Fuel spends themselves earn no EDGE Reward Points on this card.
- Golf privileges: 6 complimentary golf rounds a year, plus 6 more within the same anniversary year on ₹3 lakh of spend
- Airport lounge access: 6 international airport lounge visits a year via Priority Pass (up to 12 on ₹3 lakh spend), plus 2 domestic visits a quarter on ₹50,000 of prior-quarter spend
- Milestone bonuses: 5,000 EDGE Reward Points (≈₹1,000) on ₹3 lakh of eligible spend in a card anniversary year; rent, fuel, utilities, insurance, education, wallet, gold and government spends do not count
- Movie ticket offers: 100% off the second movie ticket booked through the District app, up to ₹250 off, twice a month, on a minimum booking of two tickets
08Axis Bank Select Credit Card Eligibility and Documents
- Age
- 18 to 70 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹50,000
Documents. PAN card Aadhaar / address proof Income proof (salary slips or ITR)
09Recent Changes
What Axis Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Nov 2026 | Reduced: Complimentary memberships renew only if you opt inSource: Axis Bank | Memberships renewed automatically each year | Renewed only with the cardholder's explicit consent |
| 1 Nov 2026 | Reduced: Movie offer now needs Rs 25,000 of spend in the previous 3 monthsSource: Axis Bank | Movie offer available to every cardholder, no spend condition | ₹25,000 of eligible spend in the preceding 3 calendar months |
| 1 Oct 2026 | Reduced: Excluded categories stop counting toward the Rs 3 lakh milestone barSource: Axis Bank | All spend counted toward the ₹3 lakh anniversary threshold | Nine excluded merchant categories no longer count toward it |
| 22 Sept 2026 | Changed: Accor ALL returns as a transfer partner, in Group ASource: Axis Bank | Accor ALL unavailable since 2 April 2026 | Accor ALL back, in Group A |
| 22 Sept 2026 | Changed: Cathay Asia Miles, Lufthansa Miles & More and Hilton Honors addedSource: Axis Bank | None of the three available | Asia Miles in Group A; Miles & More and Hilton Honors in Group B |
See this card's change history → · All card changes in November 2026 →
10Cards Similar to Axis Bank Select Credit Card
Axis Bank Select Credit Card is a grocery card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Axis Bank Select Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹3,000 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹3,000 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 1% base, up to 2% on groceries | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 8 visits a year | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Grocery | Dining | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Is the ₹3,000 fee waived?
Yes, but only when you spend ₹8 lakh in a year.
How many lounge visits do I get?
2 domestic visits a quarter after ₹50,000 spend in the previous quarter, and 6 international visits via Priority Pass.
What is the welcome benefit?
10,000 EDGE points on your first transaction within 30 days of getting the card.
Who can apply?
Applicants aged 18 to 70 with a monthly income of around ₹50,000.
What is the joining fee for the Axis Bank Select Credit Card?
The joining fee is ₹3,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Axis Bank Select Credit Card?
The annual fee is ₹3,000 + GST.
Does the Axis Bank Select Credit Card give airport lounge access?
Yes. Domestic lounge access is 8 visits a year, international is 6 visits a year, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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