In-depth review
Axis Bank Select Credit Card
A competent bridge card — lounge access, a 2X retail accelerator and BigBasket/Swiggy offers at a ₹3,000 fee that an active user covers in year one (a 10,000-point welcome plus the monthly grocery and food savings). A reasonable, low-risk way to audition Axis's premium tier. The catch is renewal: without genuine lounge and offer use, a low-fee everyday card gives you most of the same value (the ₹499 Axis ACE was the obvious one, but it's now closed to new applicants), so re-check the math before the second-year fee.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹2,000 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
2% on Groceries
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.
1% on Other
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.
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
Annual Fee Waiver
Fee of ₹3,000 + 18% GST (₹3,540 all-in)/yr fully waived when you spend ₹8,00,000/year
Golf Privileges
6 complimentary golf rounds a year, plus 6 more within the same anniversary year on ₹3 lakh of spend
Movie Ticket Benefit
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
Milestone Bonus
~₹1,000 in bonus rewards on hitting annual spend milestones
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
Priority Pass
International lounges
₹10,000
Estimated annual value
3.5%
Forex markup
- Domestic + international airport lounge access (8 domestic visits/yr, worth ~₹10,000)
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
6 rounds
Golf rounds/year
₹4,800
Golf perk value
₹1,000
Milestone bonus value
- 6 complimentary golf rounds/year at partner courses
- 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
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- 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
For mid-to-high spenders who do ₹20,000+ a month on grocery, department-store and apparel retail, value lounge and golf access, and will clear ₹8 lakh a year to waive the fee.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.20. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Groceries | reward points | 2%10 pts/₹100 × ₹0.20 | ₹400 |
| Other | reward points | 1%5 pts/₹100 × ₹0.20 | — |
Groceries: 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.
Other: 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.
Earns nothing on: Rent · Wallet Loads · Fuel · Gold and jewellery · Government & Tax · Utility Bills · Insurance · Education · Tolls & Road Fees · Gift Cards & Vouchers
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹3,540 |
| Joining fee (incl. 18% GST) | ₹3,540 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹20,850/yr in total.
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
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
6 complimentary golf rounds a year, plus 6 more within the same anniversary year on ₹3 lakh of spend
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
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.
Spend milestone
- ₹3,00,000 a year₹1,000 of value
Should you get it?
- Best for: Mid-premium spenders wanting lounge access at a ₹3,000 fee, Users who value dining and grocery-delivery savings
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Groceries (2% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- ~2% reward value on retail-shopping spends up to ₹20,000 a month
- Priority Pass international lounge plus domestic lounge access
- 6 complimentary golf rounds a year, and 6 more at ₹3 lakh of spend
- 5,000-point milestone (≈₹1,000) at ₹3 lakh of anniversary-year spend
- 10,000-point welcome benefit and BigBasket/Swiggy/District savings offset the fee
✕ Cons
- Accelerated 2% rate is capped at ₹20,000 monthly spend
- Domestic lounge needs ₹50,000 of prior-quarter spend
- Rent, fuel, utilities and telecom, wallet loads, insurance, education, gold and government spends earn nothing and count toward neither the ₹3 lakh milestone nor the ₹8 lakh fee waiver
- The ₹8 lakh waiver bar is the highest in Axis's mid-premium tier
Eligibility & documents
This is the figure for salaried applicants. Where Axis Bank sets a separate one for the self-employed, its own eligibility page gives it.
Documents required
- 📄PAN card
- 📄Aadhaar / address proof
- 📄Income proof (salary slips or ITR)
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Transfer EDGE Reward Points to airline and hotel partners, mostly at 10:1 (5:1 on AirAsia and SpiceJet)
- 🎁Transfers are capped at 5,00,000 EDGE Reward Points a calendar year per customer ID — 1,00,000 of that to Group A partners and 4,00,000 to Group B
- 🎁Redeem on the Axis EDGE portal for vouchers, products and travel
- 🎁Statement credit on eligible spends
What your Axis EDGE Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard EDGE Reward Points
Gift-voucher catalogue
Flights & hotels
Reserve/Magnus 5 EDGE RP → 2 partner miles (₹1/mile ⇒ ₹0.40/pt); Burgundy Private 5:4 (₹0.80/pt) uniformly; Select/Privilege/Rewards 10:1 on most partners but 5:1 on AirAsia and SpiceJet. British Airways, Finnair, IndiGo BluChip, Lotusmiles, Qatar, Accor & Asia Miles sit a rung worse (5:1) on Reserve/Magnus and the Atlas family — but the SAME on Burgundy Private, Select/Privilege/Rewards and IOCL Premium, so this is not a blanket rule. Min 300 EDGE RP; most transfers land in 3 business days, a few take 10.
✈ Transfer partners
Direct transfers from this card only, ranked by what a point is worth in the destination programme — plus 19 more partners. Full calculator, every currency →
The renewal-year value depends on actually using the lounge, golf and movie quotas. Leave them idle and a large slice of the ₹3,000 is unrecovered, because the base earn outside the ₹20,000 accelerator is a plain 1%.
Frequently asked questions
What is the reward rate on Axis Select?
Is the ₹3,000 fee offset?
What everyday savings does it add?
How will Axis apply my payment across the outstanding balance from 28 August 2026?
How has the Axis Bank Select Credit Card changed over time?
Has the Axis Bank Select Credit Card been devalued recently?
When did the Axis Bank Select Credit Card's fees last change?
How did the Axis Bank Select Credit Card change in 2026?
The bottom line
A tidy premium all-rounder: the ≈2% accelerator (to ₹20k/month) and 10,000-point welcome give it real value, and the lounge, golf and District movie benefits are generous for the fee. The catch is the ₹8 lakh waiver — comfortable for its target high spender, steep for everyone else — and a long exclusions list that keeps rent, fuel and utility spend out of both the earn and the waiver.
How this page was built
Counted from this card’s own record: 2 earn rules, 1 of them capped, the spends listed as earning nothing and 5 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the Axis Bank Select Credit Card are taken from Axis Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Axis Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
Axis Bank Select Credit Card
A competent bridge card — lounge access, a 2X retail accelerator and BigBasket/Swiggy offers at a ₹3,000 fee that an active user covers in year one (a 10,000-point welcome plus the monthly grocery and food savings). A reasonable, low-risk way to audition Axis's premium tier. The catch is renewal: without genuine lounge and offer use, a low-fee everyday card gives you most of the same value (the ₹499 Axis ACE was the obvious one, but it's now closed to new applicants), so re-check the math before the second-year fee.
Axis Bank Credit Card Ladder 2026: Neo → Select → Magnus → Reserve
Axis Bank's card ecosystem runs from the entry Neo and co-branded cards through Select, into the premium tier of Magnus and Atlas, up to the super-premium Reserve. The catch nobody explains: Axis runs two currencies, and the ladder crosses between them. This guide maps every step and which currency each rung actually earns.
Axis Bank Privilege Credit Card
A ₹1,500 mid-tier card that pairs a flat 1% EDGE earn with a big 10,000-point milestone at ₹2.5 lakh of annual spend and 2 domestic lounge visits a quarter. Clear the spends and it's a solid all-rounder; fall short and you're paying ₹1,500 for a plain 1% card with a steep ₹5 lakh fee-waiver bar.
Axis Bank Rewards Credit Card
A ₹1,000 EDGE Reward Points card whose one real edge is 10X points at apparel and departmental stores, capped at roughly ₹7,000 of that spend a month. The base rate is a thin ~0.3% in value, so the card only makes sense if you'll consistently fill the 10X category cap; otherwise a stronger everyday earner is the smarter buy.
Axis Bank Cashback Credit Card
A ₹1,000 online-cashback card with a tiered accelerated rate — up to 5% on most online spends and 7% on the top tier, capped at a generous ₹4,000 a month. But offline earns just 0.75%, there's no fuel surcharge waiver and no lounge access, so hold it as an online specialist rather than an all-rounder.
Axis EDGE Rewards Guide 2026: EDGE Miles, EDGE Reward Points and What Survived the April Devaluation
Axis has two loyalty currencies, not one: Atlas earns EDGE Miles that transfer at a market-leading 1:2 (1 EDGE Mile = 2 partner miles), while Magnus earns EDGE Reward Points now devalued to 5:2. After Axis dropped Accor, Marriott and Qatar in April 2026 — Qatar and Accor have since returned, Marriott has not — here is exactly what each card earns, the real transfer ratios, and the redemptions still worth chasing.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2020 · last change Nov 2026
2026
- ▼ BenefitObserved 29 Jul 2026 · Effective 15 Nov 2026
Complimentary memberships renew only if you opt in
Memberships renewed automatically each year→Renewed only with the cardholder's explicit consent
From 15 November 2026 the complimentary memberships attached to the card — the lifestyle, dining and travel programmes bundled with the annual fee — renew only if you actively consent. Axis says renewal details and consent options will be shared closer to each renewal date. Read it as a cost-control move: a benefit you have to remember to claim is a benefit fewer people claim, so if you value one of these memberships, watch for the consent prompt rather than assuming it rolls over.
Verification: Axis Bank ↗ · Confidence: High
- ▼ BenefitObserved 29 Jul 2026 · Effective 1 Nov 2026
Movie offer now needs Rs 25,000 of spend in the previous 3 months
Movie offer available to every cardholder, no spend condition→Rs 25,000 of eligible spend in the preceding 3 calendar months
From 1 November 2026 the card's movie benefit becomes spend-gated: you need Rs 25,000 of eligible spend in the previous three calendar months to qualify. A newly issued card is exempt for its issuance month plus the following three calendar months — but an upgrade between variants does not count as a new card. Only settled transactions count, settlement can lag the transaction by up to five working days, and interest, fees, charges, reversals and refunds are all excluded. EMI transactions count only at the monthly instalment billed, not the full purchase value.
Verification: Axis Bank ↗ · Confidence: High
- ▼ MilestoneObserved 29 Jul 2026 · Effective 1 Oct 2026
Excluded categories stop counting toward the Rs 3 lakh milestone bar
All spend counted toward the Rs 3 lakh anniversary threshold→Nine excluded merchant categories no longer count toward it
The Select's Rs 3 lakh anniversary-year milestone — which unlocks 6 extra international lounge visits, 6 extra golf rounds and the following year's Priority Pass renewal — keeps its benefits and its threshold, but narrows what counts toward it. From 1 October 2026 spend in the categories that already earn no reward points stops contributing: insurance, rent, fuel, educational services, utilities and telecom, wallet loads, gold and jewellery, government services and gift cards. If a meaningful slice of your Rs 3 lakh came from rent or utilities, the bar is now materially harder than the headline number suggests.
Verification: Axis Bank ↗ · Confidence: High
- ▲ TransferEffective 22 Sept 2026
Accor ALL returns as a transfer partner, in Group A
Accor ALL unavailable since 2 April 2026→Accor ALL back, in Group A
Accor Live Limitless is back in the EDGE transfer table, almost six months after Axis removed it on 2 April 2026. It returns in Group A, so it shares the smaller annual cap, and on several cards at a less generous ratio than the card gives its airline partners; the Atlas, for instance, moves 2 EDGE Miles into 1 Accor point where most of its airlines get 1 into 2. Check the card's own transfer table before planning a large transfer.
Verification: Axis Bank ↗ · Confidence: High
- ▲ TransferEffective 22 Sept 2026
Cathay Asia Miles, Lufthansa Miles & More and Hilton Honors added
None of the three available→Asia Miles in Group A; Miles & More and Hilton Honors in Group B
Three new programmes joined the EDGE transfer table in the same overnight change. Cathay Pacific Asia Miles sits in Group A with the smaller annual cap; Lufthansa Miles & More and Hilton Honors sit in Group B with the larger one. Ratios vary by card.
Verification: Axis Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/axis-select#value-timeline">Axis Bank Select Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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