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| Feature | IndusInd Bank IndusInd Bank Pinnacle World Credit Card | Axis Bank Axis Bank Select Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IndusInd Bank | Axis Bank |
| Network | Mastercard | Visa |
| Annual fee | ₹0 + GST per year | ₹3,000 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹8,00,000 annual spending |
| Base reward rate | 0.8% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Groceries & essentials | 0.8% · Other eligible purchase rewards | 2% · Eligible retail-shopping bonus |
| Offline store shopping | 0.8% · Other eligible purchase rewards | 2% · Eligible retail-shopping bonus |
| Online shopping | 1.9% · Eligible ecommerce rewards | 1% · Base EDGE Reward Points |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 4 domestic airport lounge visits per year • 4 international airport lounge visits per year | 8 domestic airport lounge visits per year • 12 international airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹50,000/month |
| Terms verified | 24 Sept 2026 | 23 Sept 2026 |
| Best suited to | High-spend ecommerce users who value Priority Pass and premium lifestyle privileges. | Higher-spend users who can repeatedly use the card’s movie, food, lounge, golf and protection benefits. |
| Main trade-off | The ₹15,000 joining fee has no guaranteed cash-valued welcome offset. Domestic lounge access requires ₹1.5 lakh spend in the preceding quarter, rent points are capped, and fuel earns no points. | The ₹3,000 renewal fee needs ₹8 lakh of eligible annual spend. Retail-shopping acceleration has a monthly cap, domestic lounges require ₹50,000 in the preceding three calendar months, and the second six international visits require ₹3 lakh anniversary-year spend. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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