Axis Bank Select Credit Card
The Axis Bank Select Credit Card sits in the premium segment with 4 domestic + 4 international lounge visits.
Online Shopping Fit Score
84/100
Joining Fee
₹3,000
Annual Fee
₹3,000
Reward Rate (%)
1 – 10
5 pts/₹100 · ₹0.2/pt
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
18/25
Lounge & Perks
18/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Axis Bank Select Credit Card Benefits
Axis Bank Select Credit Card Rewards
How you earn back on every swipe
points
Reward type
1% – 10%
Earn rate
5
Points / ₹100
₹0.2
Per point
₹20,000
Monthly cap
Axis Bank Select Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Axis Bank Select Credit Card 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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹66,667/mo (₹8,00,004/yr), your ₹3,000 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Axis Bank Select Credit Card 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 4 Aug 2026
Calculate your exact earnings with Axis Bank Select Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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