Route spending through 5X EDGE points on flights/hotels via Travel EDGE up to ₹2 lakh a month (Axis FAQ; not on the product page copy read 2026-09-17).
Earn 5X here — 5.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Premium
AXIS BANK · AXIS BANK SELECT CREDIT CARD
Axis Bank SELECT Credit Card
ANNUAL FEE
₹3,000 waived at ₹8L spend
FIRST-YEAR NET VALUE
₹37,800 for a mid spender · travel
AXIS BANK SELECT
VISA
Updated 17 Sep 2026 4 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is Axis Bank's.
MONTHLY INCOME ₹0.7L+ Salaried or self-employed
CREDIT SCORE 740+ Good band
AGE 21 – 65 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹37,800 first-year net value · mid spender · travel
Category rewards ₹34,800
Milestone bonus· 5,000 EDGE REWARD Points + ₹1,000
Welcome benefit· Welcome reward points ₹2,000
Annual fee − ₹3,000
Fee waiver (met)· Annual fee waiver on spending ₹8 lakhs in a year ₹3,000
Net first-year value ₹37,800
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 1.00% back on eligible spends 10 pts 10 points per ₹200
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 5.0% back
2X EDGE REWARD Points per ₹200 on retail shopping up to ₹20,000 of such spend a month, then 10 points per ₹200 (product page 2026-09-17) 2X · 2.0%
5X EDGE points on flights/hotels via Travel EDGE up to ₹2 lakh a month (Axis FAQ; not on the product page copy read 2026-09-17) 5X · 5.0%
Everything else (base) · 1.0%
MILESTONES Cumulative bonuses at annual spend tiers
₹3L 5,000 EDGE REWARD Points
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time Axis Bank tweaks the program.
Line up your ₹8L before renewal.
Crossing ₹8L in the anniversary year waives the ₹3,000 fee — automatic for spenders at ₹66,667+/month. Watch your pace in months 10–12.
Don't sleep on 2X EDGE REWARD Points per ₹200 on retail shopping up to ₹20,000 of such spend a month, then 10 points per ₹200 (product page 2026-09-17).
The second tier earns 2X (2.0% back). Often overlooked next to the headline category but compounds if you route consistently.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹3,000 · + 18% GST · one-time
Annual fee (year 2+) ₹3,000 · waived at ₹8L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
2 domestic + 12 international visits per year via Priority Pass. Primary cardholder.
Welcome voucher
₹2,000 Welcome reward points.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹8L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How Axis Bank SELECT Credit Card has changed.
Last verified 17 Sep 2026.
- 17 Sep 2026 2X EDGE points on retail shopping (up to ₹20,000 a month) recorded; the ₹10,000 Travel EDGE milestone at ₹5L is no longer on the page and was removed; international lounge access recorded as up to 12 Priority Pass visits a year; fee shown as ₹3,000 + GST or NIL for Burgundy. 10 EDGE points per ₹200 base, 10,000-point welcome, ₹8L waiver, 5,000-point milestone at ₹3L and 2 domestic lounge visits a quarter on ₹50,000 re-verified. Retail-heavy spenders score a little higher; the ₹5L milestone value is gone
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: Axis Bank Most Important Terms and Conditions (MITC) PDF, Axis Bank credit-card feature/benefit/charge revision FAQ PDF, Axis Bank SELECT Credit Card product page, axis.bank.in. Next scheduled review: 17 Mar 2027.