Axis Bank
Axis Bank Select Credit Card
Your rating
Community rating
Joining Fee
₹3,000
Annual Fee
₹3,000
Reward Rate
1% – 5%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
1% – 5%
Earn rate
5
Points / ₹100
₹0.2
Per point
₹20,000
Monthly cap
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
2 per quarter
Domestic lounge visits
12 per year
International lounge visits
Priority Pass
Included with this card
Things to Keep in Mind
- utility & telecom
- rent
- wallet
- government services
- insurance
- gold & jewellery
- fuel
- educational services
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- Strong all-round lifestyle and travel credit card
- Good international lounge access for the fee segment
- Accelerated rewards on offline retail shopping
- Useful golf and dining benefits
- BigBasket and Swiggy offers provide real monthly savings
- Good companion card for frequent travelers and urban users
- Priority Pass renewal milestone is relatively achievable
- Forex markup is high at 3.5%
- Reward redemption value is weaker than Atlas or Magnus
- Annual fee waiver threshold is relatively high
- Lounge access requires quarterly spend eligibility
- Reward exclusions include utilities, fuel, rent & insurance
- Best value depends heavily on lifestyle benefit usage
- Not ideal for users preferring simple cashback rewards
Who is this card for?
Professionals spending ₹50,000+/month who want international lounge access and premium reward earning without paying super-premium fees.
Quick Links
Data last updated 24 Mar 2026