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Axis Bank · Visa · हिन्दी

Axis Bank Select Credit Card: full review

The Axis Bank Select Credit Card is worth considering if you spend steadily on everyday retail and can reach ₹3 lakh a year: you get about 2% on up to ₹20,000 a month, 12 international lounge visits through Priority Pass, and a welcome bonus worth ₹2,000. The ₹3,000 fee, the spend-gated lounges and the 3.5% forex markup mean lighter spenders are better off with a lower-fee card.

Apply now ↗Annual fee: ₹3,000 + GST
Last updated: October 2026 · Current terms verified
AXIS BANK
VISA
)))
SELECT
ASHOK KUMAR
12/28
₹3,000 + GST joining and annual (waived on ₹8L annual spend)Annual fee
20 EDGE Reward Points per ₹200 (about 2%) on retail spends up to ₹20,000 a month, then 10 points per ₹200 (about 1%); no points on fuel, insurance, gold, government, education, utilities or wallet spends. Axis values 10,000 EDGE Points at ₹2,000, so 1 point is worth ₹0.20. The 20-point rate and the ₹20,000 monthly limit come from third-party review sites, as Axis's own page did not show them when we checkedReward structure
2 complimentary domestic lounge visits per quarter, gated behind ₹50,000 spend in the preceding 3 calendar months (waived for the month of issue and the next 3 months), plus a Priority Pass membership with 6 international visits a year and 6 more on ₹3 lakh annual spend (12 in total); a ₹2 validation charge applies per domestic visit on Visa; all confirmed from Axis Bank's own lounge program and Priority Pass termsLounge access
20 EDGE Reward Points per ₹200 (about 2%) on retail spends up to ₹20,000 a month, then 10 per ₹200 (about 1%); 1 EDGE Point = ₹0.2010,000 EDGE Reward Points (worth ₹2,000) welcome benefit on the first card transaction within 30 days of issuance, credited within T+15 business daysPriority Pass membership: 6 international lounge visits a year, 6 more on ₹3 lakh annual spend (12 in total); the membership renews automatically on ₹3 lakh spend in the previous anniversary year2 complimentary domestic lounge visits per quarter on ₹50,000 spend in the preceding 3 monthsBigBasket: flat ₹500 off once a month on a minimum purchase of ₹2,500 (code AXISSELECTCC)Swiggy: flat ₹200 off twice a month on a minimum order of ₹1,000 (code AXIS200)1% fuel surcharge refund on fuel transactions of ₹400 to ₹4,000, up to ₹400 per statement cycleSpend-based movie offer: from 1 November 2026 it needs ₹25,000 spend in the preceding 3 months
Apply now ↗ Min. income: ₹6,00,000+ per year · Credit score: 700+
Pros and cons
Pros
✓ About 2% on everyday retail spends up to ₹20,000 a month, double what Axis Privilege earns
✓ Priority Pass with 6 international visits a year, 12 with ₹3 lakh spend, which Axis Privilege does not offer
✓ Welcome benefit worth ₹2,000 offsets most of the ₹3,000 joining fee in year one
✓ Swiggy and BigBasket monthly discounts add real value for regular users
✓ Visa network with standard acceptance abroad
Cons
✗ ₹3,000 + GST fee is double Axis Privilege, and waiving it needs ₹8 lakh a year
✗ From 1 October 2026, insurance, utilities, telecom, gold, education, government, rent, fuel, wallet and gift card spends no longer count toward the ₹3 lakh needed for the extra 6 lounge visits and Priority Pass renewal
✗ Domestic lounge access is not automatic: it needs ₹50,000 spend in the previous 3 months
✗ 3.5% forex markup is the standard rate and not helpful for overseas spending
✗ Priority Pass is a physical card only, and extra or guest visits are billed to your card at about $15 to $25 per visit
✗ Interest of 3.75% a month (55.55% a year) makes carrying a balance expensive
Quick facts
Issuer Axis Bank
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹3,000 + GST joining and annual (waived on ₹8L annual spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹3,000
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 2 complimentary domestic lounge visits per quarter, gated behind ₹50,000 spend in the preceding 3 calendar months (waived for the month of issue and the next 3 months), plus a Priority Pass membership with 6 international visits a year and 6 more on ₹3 lakh annual spend (12 in total); a ₹2 validation charge applies per domestic visit on Visa; all confirmed from Axis Bank's own lounge program and Priority Pass terms
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Interest rate 3.75% per month (55.55% a year)
Fee waiver Annual fee reversed on ₹8 lakh spend in the previous card anniversary year (rent, wallet, utilities, government, EMI, cash, insurance, gold, fuel and gift card spends do not count)
Add-on cards Nil joining and annual fee for add-on cards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹6,00,000+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceAxis Bank's published card terms and official card page · Last updated October 2026
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Frequently asked questions
The annual fee for Axis Bank Select Credit Card is ₹3,000 + GST joining and annual (waived on ₹8L annual spend). The joining fee is ₹3,000.
20 EDGE Reward Points per ₹200 (about 2%) on retail spends up to ₹20,000 a month, then 10 points per ₹200 (about 1%); no points on fuel, insurance, gold, government, education, utilities or wallet spends. Axis values 10,000 EDGE Points at ₹2,000, so 1 point is worth ₹0.20. The 20-point rate and the ₹20,000 monthly limit come from third-party review sites, as Axis's own page did not show them when we checked
Axis Bank Select Credit Card is best for Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends. The Axis Bank Select Credit Card is worth considering if you spend steadily on everyday retail and can reach ₹3 lakh a year: you get about 2% on up to ₹20,000 a month, 12 international lounge visits through Priority Pass, and a welcome bonus worth ₹2,000. The ₹3,000 fee, the spend-gated lounges and the 3.5% forex markup mean lighter spenders are better off with a lower-fee card.
The minimum income requirement for Axis Bank Select Credit Card is ₹6,00,000+ per year. A minimum credit score of 700+ is also recommended.
Yes, Axis Bank Select Credit Card offers 2 complimentary domestic lounge visits per quarter, gated behind ₹50,000 spend in the preceding 3 calendar months (waived for the month of issue and the next 3 months), plus a Priority Pass membership with 6 international visits a year and 6 more on ₹3 lakh annual spend (12 in total); a ₹2 validation charge applies per domestic visit on Visa; all confirmed from Axis Bank's own lounge program and Priority Pass terms.
Axis Bank Select Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
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Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards cardAU Bank Zenith Credit CardHigher spenders who can comfortably hit the fee-waiver threshold and will use both domestic and international lounge access regularly
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Axis Bank Select₹3,000 + GST
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