Axis Bank Select Credit Card
Axis Bank · Visa · Premium card
Adds a verified premium soft-benefits option covering movies, BigBasket, Swiggy, lounge access, golf and protection in one card.
Higher-spend users who can repeatedly use the card’s movie, food, lounge, golf and protection benefits.
Terms checked 23 Sept 2026
- Annual fee
- ₹3,000 + GST
- Joining fee
- ₹3,000 + GST
- Base reward rate
- 1%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Groceries & essentials | 2% |
| Offline store shopping | 2% |
| Online shopping | 1% |
| Dining & delivery | 1% |
| Travel & hotels | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Healthcare & pharmacy | 1% |
| Subscriptions & streaming | 1% |
| International spending | 1% |
| Other miscellaneous | 1% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| Education & family | 0% |
| Gold & jewellery | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹8,00,000 annual spending
- Monthly income requirement
- Approx. ₹50,000/month
Airport lounge access
8 domestic airport lounge visits per year • 12 international airport lounge visits per year
2 domestic airport lounge visits per quarter · Issuer card
Guest access: Not specified
Requires ₹50,000 per Rolling three calendar months for the following calendar quarter
6 international airport lounge visits per year · Priority Pass
Guest access: Chargeable
First-year Priority Pass requires a transaction within 30 days; renewal follows issuer terms.
6 international airport lounge visits per year · Priority Pass
Guest access: Chargeable
Requires ₹3,00,000 per Annual
Additional allowance after more than ₹3 lakh eligible anniversary-year spend.
Movies and entertainment
District · Buy one, get one · up to ₹250 · 2 uses/month
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 3 items
Eligible retail-shopping bonus
Usage-based valueTen incremental points plus the ten-point base produce 20 points per ₹200 at eligible grocery, departmental-store and apparel MCCs.
Base EDGE Reward Points
Usage-based valueTen EDGE Reward Points per ₹200 on eligible purchases; base points continue after the shopping-bonus cap.
2X EDGE Reward Points on eligible retail-shopping MCCs, capped at ₹20,000 monthly accelerated spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹3,000₹3,000 annual fee before applicable tax.
Joining fee
Cost ₹3,000₹3,000 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹3,000Annual fee may be waived after ₹8,00,000 of eligible annual spending.
Conditions: Reach ₹8,00,000 eligible annual spending
Exclusions: insurance · rent · fuelCommute · educationFamily · billsUtilities · goldJewellery
Welcome benefits · 1 item
10,000 EDGE Reward Points
Recorded value ₹2,000Welcome points worth ₹2,000 at the issuer-stated Select value.
Conditions: Complete the first card transaction within 30 days · Not available on lifetime-free or Burgundy issuance
Spend milestones · 1 item
5,000 EDGE Reward Points at ₹3 lakh anniversary spend
5,000 reward unitsUnlocked after ₹3,00,000 of eligible spending.
Conditions: Reach ₹3,00,000 per card anniversary year
Exclusions: insurance · rent · fuelCommute · educationFamily · billsUtilities · goldJewellery
Airport lounge access · 3 items
Domestic lounge access
Usage-based value2 visits per quarter through Issuer card. Guest access: not specified.
Conditions: Spend ₹50,000 per rolling three calendar months
International lounge access
Usage-based value6 visits per year through Priority Pass. Guest access: chargeable. First-year Priority Pass requires a transaction within 30 days; renewal follows issuer terms.
International lounge access
Usage-based value6 visits per year through Priority Pass. Guest access: chargeable. Additional allowance after more than ₹3 lakh eligible anniversary-year spend.
Conditions: Spend ₹3,00,000 per annual
Movies and entertainment · 1 item
District movie offer
Usage-based · up to ₹6,000Buy one, get one offer up to ₹250, 2 times per month.
Golf · 1 item
Six golf rounds yearly plus six more after ₹3 lakh anniversary-year spend
Shown without a cash value
Insurance and protection · 3 items
Purchase protection up to ₹1 lakh
Shown without a cash valueCombined travel-document, delayed-baggage and lost-checked-baggage cover up to US$500
Shown without a cash valueBigBasket, Swiggy, golf, concierge and protection benefits under their separate usage terms
Shown without a cash value
Concierge · 1 item
24x7 concierge assistance
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹50,000. Axis Bank publishes minimum net annual income of ₹6 lakh and age 18-70.
Other benefits · 3 items
₹500 BigBasket discount monthly on an eligible ₹2,500 order
Shown without a cash value₹200 Swiggy discount twice monthly on eligible ₹1,000 orders
Shown without a cash value1% fuel-surcharge waiver on ₹400-₹4,000 transactions, capped at ₹400 per statement cycle
Shown without a cash value
Other categories (5)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 2X EDGE Reward Points on eligible retail-shopping MCCs, capped at ₹20,000 monthly accelerated spend
- ✓ District buy-one-get-one movie discount up to ₹250, twice monthly
- ✓ Six international lounge visits yearly plus six more after ₹3 lakh anniversary-year spend
- ✓ BigBasket, Swiggy, golf, concierge and protection benefits under their separate usage terms
What to watch
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.
Recorded exclusions
Fuel Commute · Bills Utilities · Education Family · Gold Jewellery · Rent · Insurance · Wallet load · Government payments · Gift cards · Transportation tolls · Cash withdrawal · Emi converted transactions
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
DCC charge and reward exclusions revised
Axis Bank published the current DCC charge and expanded exclusions for Select.
- Before
- The prior DCC and exclusion schedule applied.
- After
- DCC is 3.5% before tax and the current regulated, utility, education, jewellery and stored-value exclusions apply.
Checked 23 Sept 2026Axis Bank August 2026 card changes ↗ - Mixed impact
District movie benefit revised
The current movie programme provides two monthly buy-one-get-one discounts capped at ₹250 each.
- Before
- The prior Select movie programme and booking channel applied.
- After
- Eligible District bookings receive BOGO up to ₹250 twice per calendar month.
Checked 23 Sept 2026Axis Select current product page ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026 · Latest recorded change effective 28 Aug 2026