Axis Bank

Axis Bank Select Credit Card

10 EDGE Reward points per ₹200 on most spends, and 20 per ₹200 at department stores, grocery stores and clothing stores on the first ₹20,000 of such spend a month. Axis values the welcome points at ₹0.20 each, so that's about 1% and 2% back. Spend ₹3 lakh in a card year for 5,000 bonus points (₹1,000). Fuel, utility and telecom bills, insurance, rent, wallet loads, education, government payments, gold and jewellery, gift cards and tolls earn nothing.

₹3,000 joining, ₹3,000 a year

View on Axis Bank siteIssuer's site. We don't earn from this card.

Good

Nothing stands out against the cards we compare.

Watch out for

At ₹3,000 a year, it doesn't beat a free card's rate on any spend
High joining fee: ₹3,000 up front
Earns nothing on fuel, insurance, wallet loads, rent, utility bills and government payments
High forex markup (3.5%)

Who it's for: Frequent flyers who use airport lounges and can meet the fee waiver.
Skip it if: You mainly pay by UPI.

Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.

Rewards (value back as % of spend)

Everyday spends: 1% (base rate)
Online shopping: 1%
Fuel: 0%
Groceries: 2%
Travel: 1%
Bills and utilities: 0%
Dining and food delivery: 1%

Fees and charges

Joining fee: ₹3,000
Annual fee: ₹3,000
Fee waiver: Annual fee waived if you spend ₹8 lakh in the previous card year. Rent, wallet loads, gift cards, utility and telecom bills, government payments, insurance, gold and jewellery, fuel, education, EMI conversions and cash withdrawals don't count towards it. Both fees are nil for Axis Burgundy account holders (no welcome points on that version); if you lose Burgundy status, the ₹3,000 fee applies. Paid cards get 10,000 EDGE Reward points (worth ₹2,000) on the first transaction within 30 days of issue.
Forex markup: 3.5%
Fuel surcharge waiver: 1% waiver on fuel transactions of ₹400 to ₹4,000, up to ₹400 per statement cycle. GST on the surcharge isn't refunded, fuel earns no points, and a 1% fee applies once fuel spend passes ₹50,000 in a statement cycle.

Benefits and eligibility

Airport lounge: 8 domestic visits a year (2 a quarter) at Axis's listed lounges once you've spent ₹50,000 in the previous 3 calendar months; a new card needs no spend in its month of issue and the next 3 months. 6 international visits a card year with Priority Pass, 12 in a card year you spend over ₹3 lakh. Priority Pass renews only after ₹3 lakh of spend in the previous card year. Guests pay.
Card network: Not published by the bank
UPI payments: No
Minimum income (salaried): ₹50,000 a month
Eligibility: Age 18 to 70 for the primary cardholder, with a net income of at least ₹6 lakh a year. Axis accepts a payslip, Form 16 or IT return as income proof and calls these criteria indicative. Approval is at Axis Bank's discretion.

Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.

Compare it with other cards

Ready to apply for the Axis Bank Select Credit Card?

View on Axis Bank siteIssuer's site. We don't earn from this card.

CreditParakh is not a bank or lender. Approval, limits and final terms are decided by Axis Bank.

What changed recently

From 1 Nov 2026UpcomingOtherWorse for you
The buy-one-get-one movie ticket offer on District needs ₹25,000 of spend in the previous 3 months; new cards are exempt in their month of issue and the next 3 months.
Before: No spend condition · After: ₹25,000 of spend in the previous 3 months
Bank's notice or terms
1 Oct 2026Lounge accessWorse for you
Spends that don't earn points (insurance, rent, fuel, education, utility and telecom bills, wallet loads, gold and jewellery, government payments and gift cards) no longer count towards the ₹3 lakh a year that unlocks 6 extra international lounge visits, 6 extra golf rounds and Priority Pass renewal.
Before: These spends counted towards ₹3 lakh · After: Only point-earning spends count towards ₹3 lakh
Bank's notice or terms
28 Aug 2026FeesWorse for you
Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.
Before: 1.5% · After: 3.5%
Bank's notice or terms
28 Aug 2026FeesWorse for you
Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.
After: ₹1,300 on balances of ₹50,000 and above
Bank's notice or terms
28 Aug 2026Excluded spendsWorse for you
Bridge fees, road fees and tolls no longer earn reward points.
After: No points on bridge fees, road fees and tolls
Bank's notice or terms

All card changes, month by month

Questions people ask

Is the Axis Bank Select Credit Card worth it in 2026?

Only if you'll use the airport lounge visits and can meet the fee waiver; the rewards alone don't cover the fee. The catch: earns nothing on fuel, insurance, wallet loads, rent, utility bills and government payments.

Is the Axis Bank Select Credit Card lifetime free?

No. It costs ₹3,000 to join and ₹3,000 a year, plus GST. Annual fee waived if you spend ₹8 lakh in the previous card year. Rent, wallet loads, gift cards, utility and telecom bills, government payments, insurance, gold and jewellery, fuel, education, EMI conversions and cash withdrawals don't count towards it. Both fees are nil for Axis Burgundy account holders (no welcome points on that version); if you lose Burgundy status, the ₹3,000 fee applies. Paid cards get 10,000 EDGE Reward points (worth ₹2,000) on the first transaction within 30 days of issue.

Does the Axis Bank Select Credit Card work on UPI?

No. Only RuPay credit cards can be linked to UPI, and this isn't one.

Does the Axis Bank Select Credit Card give airport lounge access?

8 domestic visits a year (2 a quarter) at Axis's listed lounges once you've spent ₹50,000 in the previous 3 calendar months; a new card needs no spend in its month of issue and the next 3 months. 6 international visits a card year with Priority Pass, 12 in a card year you spend over ₹3 lakh. Priority Pass renews only after ₹3 lakh of spend in the previous card year. Guests pay.

What earns no rewards on the Axis Bank Select Credit Card?

No points on fuel, insurance, rent, education, utility and telecom bills, wallet loads, gold and jewellery, government payments, gift cards, or bridge, road and toll fees. Points are taken back if a purchase is converted to EMI and aren't returned if the EMI is cancelled. Axis's product page doesn't say whether cash withdrawals earn points.

Is there a limit on rewards with the Axis Bank Select Credit Card?

Double points (20 per ₹200, about 2%) at department, grocery and clothing stores apply to the first ₹20,000 of such spend each month, which earns up to 2,000 points (₹400). Spend above that earns the usual 10 points per ₹200, about 1%.

Who can get the Axis Bank Select Credit Card?

The bank publishes a minimum income of ₹50,000 a month for salaried applicants. Age 18 to 70 for the primary cardholder, with a net income of at least ₹6 lakh a year. Axis accepts a payslip, Form 16 or IT return as income proof and calls these criteria indicative. Approval is at Axis Bank's discretion. Approval is at the bank's discretion.

How we checked this card: the CreditParakh team read Axis Bank's own product page on 20 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.

Last verified 20 Oct 2026 on Axis Bank's official page. Fees and rewards change; check the issuer's terms before you apply.

Pros and cons