Axis Bank Select Credit Card Review: Everyday Points and Priority Pass

The Axis Bank Select Credit Card earns 10 EDGE REWARD Points per ₹200, about 1% back at Axis's own value of ₹0.20 a point, and double that on grocery, department store and clothing spends up to ₹20,000 a month. It costs ₹3,000 plus GST a year, waived on ₹8 lakh of spends, and needs ₹6 lakh of yearly income. Spending ₹3 lakh in a card year adds 5,000 points and extra Priority Pass visits.

By Ramesh Kulkarni · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

Key facts

Joining fee: ₹3,000 + GST
Annual fee: ₹3,000 + GST. Annual fee waived on spends of INR 8 lakh in the preceding card anniversary year; insurance, rent, fuel, education, utilities and telecom, government, wallet, gold and gift card spends (and EMI conversions, cash, reversals, fees) do not count. Nil fees for Burgundy account holders.
Base reward: 10 EDGE REWARD Points per INR 200 spent (about 1% value)
Best category: Retail shopping: department stores, grocery stores, clothing and accessory stores: about 2% value
Lounge: Domestic: 2 complimentary visits per quarter at select domestic airport lounges (card must be swiped; Priority Pass not valid at Indian domestic lounges from 28 Aug 2026) International: Priority Pass membership with 6 complimentary international lounge visits per anniversary year, plus 6 more on INR 3 lakh spends in that year (up to 12)
Forex markup: 3.5% of the amount
Network: Not stated by the bank

Apply on Axis Bank's site

Opens the bank's own page for this card. Approval and the credit limit are the bank's decision.

In short

A sensible everyday card for people spending ₹25,000 or more a month, mostly on groceries and shopping, who will reach the ₹3 lakh milestone each year.

Best for

Families with big monthly grocery and department store bills
People who spend ₹3 lakh a year and want Priority Pass visits
BigBasket and Swiggy users who will use the monthly offers

Skip it if

Most of your spend is rent, bills, fuel or insurance, which earn nothing
You travel abroad often and mind the 3.5% forex fee

Highlights

₹3,000 plus GST, waived on ₹8 lakh yearly spend
10 points per ₹200, a point worth ₹0.20
2X on retail shopping up to ₹20,000 a month
5,000 bonus points on ₹3 lakh a year
Nil fee for Burgundy account holders

What the Axis Select card offers

Axis Bank Select Credit Card sit in the middle of Axis's range: a ₹3,000 card that earns EDGE REWARD Points on daily spends and adds lounge, golf and food delivery offers. It is active and open for applications, though Axis's page and terms do not name its card network. The base earn is 10 points per ₹200, about 1% at Axis's own value of ₹0.20 a point, and grocery, department store and clothing spends earn double up to ₹20,000 a month.

The points that matter

₹3 lakh milestone. Spending ₹3 lakh in a card anniversary year brings 5,000 points, 6 extra Priority Pass visits, 6 extra golf rounds and next year's Priority Pass renewal.
A high waiver. The fee goes only on ₹8 lakh of spends, and a long list of categories don't count.
Lounges. 2 domestic visits a quarter if you spent ₹50,000 in the last 3 months, plus 6 Priority Pass visits abroad each anniversary year.

Changes from 2024 to 2026

In April 2024, from the 20th, insurance, gold and fuel spends were dropped from the waiver count, and from 1 May 2024 domestic lounges needed ₹50,000 of spends in 3 months. On 20 December 2024 the interest rate rose from 3.6% to 3.75% a month. 2026 brought most changes. From 28 August the conversion markup became 3.5% from 1.5% and Priority Pass cards were no longer valid at lounges inside India; from 1 October excluded categories no more counts toward the ₹3 lakh threshold for extra lounge, golf and Priority Pass benefits; from 1 November the District movie offer needs ₹25,000 of spends in 3 months; and from 15 November memberships renew only with your consent.

Fees and charges on Axis Select

The joining fee and annual fee are ₹3,000 each, plus GST, which at 18% adds ₹540, so ₹3,540. Burgundy account holders pays nil, but if the Burgundy status ends the ₹3,000 plus GST annual fee comes back. Add-on cards are free.

The ₹8 lakh waiver

The annual fee is waived on ₹8 lakh of spends in the preceding card anniversary year. That is ₹8,00,000 divided by 12, about ₹66,667 a month, which is a lot for a ₹3,000 card. Insurance, rent, fuel, education, utilities and telecom, government, wallet, gold and gift card spends, plus EMI conversions and cash, are not counted. For most user the ₹3 lakh milestone is the realistic target, not the waiver.

Interest and penalties

Interest runs at 3.75% monthly (55.55% a year). A late payment on a ₹30,000 total due cost ₹1,200, and above ₹50,000 the fee is ₹1,300. Cash withdrawals carry 2.5%, minimum ₹500, with interest from day one.

Forex: 3.5% on foreign currency spends and on rupee payments abroad, so ₹50,000 spent on a trip costs ₹1,750 plus GST.
Rent costs 1% of every payment plus GST. Utility bills cost 1% once they reach ₹25,000 in a cycle, wallet top-ups and online gaming once they reach ₹10,000, fuel once it reaches ₹50,000, and app-paid education fees always.
Points redemption ₹99 each time and ₹199 per transfer to a partner programme. Extra Priority Pass or guest visits are charged at Priority Pass rates, for example USD 35 per guest.

Select: fees and charges

Joining fee	₹3,000 + GST
Annual or renewal fee	₹3,000 + GST
Annual fee waiver	Annual fee waived on spends of INR 8 lakh in the preceding card anniversary year; insurance, rent, fuel, education, utilities and telecom, government, wallet, gold and gift card spends (and EMI conversions, cash, reversals, fees) do not count. Nil fees for Burgundy account holders.
Add-on card fee	Nil
GST	Charged on top of the fees and charges listed
In the bank’s words	Joining fee INR 3,000 and annual fee INR 3,000 (Nil for Burgundy account holders; INR 3,000 + GST applies if Burgundy status ends); waived on INR 8 lakh annual spends; add-on free; GST extra.
Interest on unpaid balances	Up to 3.75% a month (55.55% a year)
Late payment fee	Nil if total payment due is up to INR 500; INR 500 for INR 501 to 5,000; INR 750 for INR 5,001 to 10,000; INR 1,200 for INR 10,001 to 50,000; INR 1,300 if greater than INR 50,000; additional INR 100 if Minimum Amount Due is missed for two consecutive cycles, every cycle until MAD is cleared (MITC; INR 1,300 slab effective 28 Aug 2026)
Cash withdrawal	2.5% of the amount (minimum INR 500); interest at 3.75% per month from the date of withdrawal
Over-limit fee	2.5% of the over-limit amount, minimum INR 500
Forex markup	3.5% of the amount
Other fees	Rent transactions: 1% of each rent transaction (MCC 6513), plus GST Education payments via third-party apps: 1% per transaction (direct payments on the institution's website or POS exempt) Utilities: 1% on cumulative spends of INR 25,000 or more per statement cycle Wallet loads: 1% on cumulative spends of INR 10,000 or more per statement cycle Fuel: 1% on cumulative spends of INR 50,000 or more per statement cycle Online skill-based gaming: 1% on cumulative spends of INR 10,000 or more per statement cycle Foreign currency transaction fee: 3.5% of transaction value Dynamic currency conversion markup: 3.5% (INR transactions at overseas locations or with merchants registered abroad) Cash payment at branch: INR 175 per payment Cheque return / auto-debit reversal / SI or NACH failure: 2% of payment amount, minimum INR 500 Reward redemption: INR 99 per redemption on the EDGE REWARDS portal; INR 199 per transfer of EDGE REWARD Points/EDGE Miles to partner loyalty programmes Priority Pass visits beyond the free count and guest visits charged per Priority Pass rates (e.g. USD 35 per guest at international lounges in India)

How Select points work

Every ₹200 of eligible spend earns 10 EDGE REWARD Points. Retail shopping, meaning department stores, grocery stores and clothing and accessory stores, earns 2X, or 20 points per ₹200, on the first ₹20,000 a month, and 10 after that. Axis's welcome offer puts 10,000 points at ₹2,000, so a point is ₹0.20, which make the base about 1% and the retail rate about 2%.

Points don't come on insurance, rent, fuel, education, utilities and telecom, wallet, gold and jewellery, government services, gift cards or tolls, and points on EMI-converted purchases is taken back. They expire 3 years after allotment or after 365 days without activity.

Welcome: 10,000 points, worth ₹2,000, on the first transaction within 30 days; not for lifetime-free cards or Burgundy holders.
Milestone: 5,000 points on ₹3 lakh of spends in a card anniversary year. The same ₹3 lakh also brings the extra lounge visits, golf and Priority Pass renewal, and from 1 October 2026 excluded categories does not count toward that one.
Offers: BigBasket flat ₹500 off once a month on ₹2,500 or more, Swiggy ₹200 off twice a month on orders of ₹1,000 or more, and District buy one get one movies up to ₹250 off twice a month.
Fuel: a 1% surcharge refund for fills of ₹400 to ₹4,000 (maximum ₹400 per statement cycle), and no points on fuel.

The card page also list purchase protection up to ₹1 lakh and up to USD 500 of cover for lost travel documents and delayed or lost checked-in baggage; Axis's separate insurance terms were not part of our check.

Example 1: light spender, ₹31,000 a month

₹10,000 at grocery and department stores, ₹16,000 of other shopping and dining, ₹3,000 of electricity and ₹2,000 of fuel. Grocery gives ₹10,000 divided by ₹200, which is 50, times 20, so 1,000 points; the other shopping gives 80 times 10, so 800. That is 1,800 a month, 21,600 a year. Eligible spend is ₹10,000 plus ₹16,000, so ₹26,000, and times 12 that is ₹3,12,000, so the milestone adds 5,000, a total of 26,600 points worth ₹5,320 at ₹0.20. The ₹3,540 fee stays, leaving ₹1,780.

Example 2: typical spender, ₹60,000 a month

₹20,000 at grocery, department and clothing stores, ₹30,000 on dining and other shopping, ₹5,000 of bills and ₹5,000 of insurance. The retail part earns 100 times 20, so 2,000 points, right at the cap, and the ₹30,000 earns 150 times 10, so 1,500. That's 3,500 a month, 42,000 a year, plus 5,000 for the milestone, so 47,000 points or ₹9,400. Eligible spend of ₹50,000 times 12 is ₹6,00,000, under ₹8 lakh, so after ₹3,540 you net ₹5,860. The Swiggy offer used twice, ₹200 each time, would add ₹400 a month in discounts.

Example 3: heavy spender, ₹1,00,000 a month

₹30,000 on retail, ₹60,000 on other spends and ₹10,000 of rent. The first ₹20,000 of retail earns 2,000 points and the next ₹10,000 earns 50 times 10, so 500; the ₹60,000 earns 300 times 10, so 3,000; rent earn nothing and costs 1%, ₹100 plus GST. That's 5,500 a month, 66,000 a year, plus 5,000, so 71,000 points or ₹14,200. Eligible spend is ₹30,000 plus ₹60,000, so ₹90,000, and times 12 that is ₹10,80,000, above ₹8 lakh, so there is no annual fee next year, only the rent fee of ₹100 times 12, ₹1,200 plus GST.

Spender	Monthly spend	Points a year	Value at ₹0.20	Annual fee
Light	₹31,000	26,600	₹5,320	₹3,540
Typical	₹60,000	47,000	₹9,400	₹3,540
Heavy	₹1,00,000	71,000	₹14,200	Waived next year

Select: higher-reward categories

Category	Rate	Cap
Retail shopping: department stores, grocery stores, clothing and accessory stores	2X: 20 EDGE REWARD Points per INR 200, about 2% value	2X on cumulative transactions up to INR 20,000 per month; above that 10 points per INR 200, ₹20,000, month

Select: how rewards work

Earned as	EDGE REWARD Points
Base rate	10 EDGE REWARD Points per INR 200 spent. About 1% value back
Minimum spend rules	Points earned per INR 200 spent.
No rewards on	Insurance Rent Fuel Education Utilities and telecom Wallet Gold and jewellery Government services Gift cards Bridge fees, road fees and tolls EMI-converted transactions (points debited)
Lower rewards on	None published
Value of a point	EDGE REWARDS catalogue: Axis states the 10,000-point welcome benefit is 'worth ₹2000' (INR 0.20 a point).
Redemption fee	INR 99 per redemption (card page: 'Reward Redemption fee Rs. 99')
Expiry	EDGE REWARD Points expire 3 years from allotment, or after 365 days without account activity; forfeiture 30 days after closure or MAD overdue 90+ days.
Welcome benefits	10,000 EDGE REWARD Points (worth INR 2,000) on the first transaction within 30 days of issuance; not for lifetime-free cards or Burgundy account holders
Milestone benefits	5,000 EDGE REWARD Points on spends of INR 3 lakh in a card anniversary year On INR 3 lakh anniversary-year spends: 6 extra international lounge visits, 6 extra golf rounds, and Priority Pass renewal for the next year (from 1 Oct 2026 excluded categories do not count) Annual fee waiver on INR 8 lakh spends
Lounge access	Domestic: 2 complimentary visits per quarter at select domestic airport lounges (card must be swiped; Priority Pass not valid at Indian domestic lounges from 28 Aug 2026) International: Priority Pass membership with 6 complimentary international lounge visits per anniversary year, plus 6 more on INR 3 lakh spends in that year (up to 12) Condition: Domestic: spends of INR 50,000 in the last 3 months. Priority Pass: first transaction within 30 days in year 1; renewal on INR 3 lakh spends in the preceding anniversary year.
Fuel surcharge waiver	1% fuel surcharge refund at all fuel stations in India on transactions of INR 400 to INR 4,000; maximum INR 400 per statement cycle; no points on fuel
Insurance cover	Purchase protection up to INR 1 lakh; cumulative cover up to USD 500 for loss of travel documents, delay of checked-in baggage and loss of checked-in baggage

Eligibility and how to apply for Axis Select

Axis asks for net income of at least ₹6 lakh a year, which is ₹6 lakh divided by 12, or ₹50,000 a month, and the page don't give a separate figure for self-employed people. Age limits for the primary card are 18 and 70.

Documents are a PAN card copy, income proof like the latest payslip, Form 16 or income tax return, and residence proof such as a driving licence, electricity bill or landline bill. You can apply through Axis's online form, where you enter your phone number with PAN or birth date, in the Axis Mobile app, or by walking into an Axis branch.

What decides approval

Axis must run its own credit check on your independent financial means and consider every limit you have with other lenders, as the RBI's 2025 card Directions requires. A good history helps; on Experian's 300 to 900 scale, above 750 is generally good. If refused, you are entitled for written reasons. Meeting the income rule is not approval, and only Axis decides. For service queries, see Axis Bank customer care.

Select: eligibility and documents

Age (salaried)	18 to 70 years
Age (self-employed)	18 to 70 years
Income (salaried)	Net income of at least INR 6 lakh per annum
Income (self-employed)	Net income of at least INR 6 lakh per annum (page does not split by employment type)
Other conditions	minIncomeMonthly is INR 6 lakh a year divided by 12.
Documents	PAN card photocopy Income proof: latest payslip, Form 16 or IT return Residence proof: driving licence, electricity bill or landline telephone bill
How to apply	Online through the Axis Bank website application form (choose the card, enter mobile number and PAN or date of birth, check eligibility and offers, verify by OTP), through the Axis Mobile app, or at an Axis Bank branch. FD-backed 'Easy' cards are applied for online by booking an FD (Video KYC for non-customers). Some co-brand cards are applied for through the partner's app (Airtel Thanks app for Airtel Axis; Google Pay for Google Pay Flex; Fibe; Scapia).
Card customer care	1800 4030 / 1800 8911 (toll free; Retail Phone Banking)

These are the bank's published conditions. Meeting them does not guarantee a card: approval and the credit limit are the bank's decision.

Axis Select against other mid-premium cards

The SBI Card ELITE costs ₹4,999 plus taxes, waived on ₹10 lakh. Its base is 2 points per ₹100 at ₹0.25 a point, or 10 points per ₹100 on dining, department stores and grocery up to 10,000 points a month, plus up to 50,000 bonus points through milestones. It has 8 domestic lounge visits and 6 Priority Pass visits a year and a 1.99% forex markup, quite lesser than Select's 3.5%.

The IDFC FIRST Select card is lifetime free and earns 3 points per ₹200 at ₹0.25 each, 10 per ₹200 on dining and travel, has zero forex markup, and gives 1 domestic lounge visit a quarter if you spent ₹20,000 the month before. Income needed for it are ₹12 lakh a year.

The HSBC Live+ card is cashback, not points: 10% on dining, food delivery, grocery and shopping up to ₹1,200 a month and 1.5% on most other spends, for ₹999 reversed above ₹2,00,000, with 1.99% forex.

Which one to pick

Choose Axis Select if you will clear ₹3 lakh a year and want Priority Pass plus the BigBasket and Swiggy offers. SBI ELITE suits bigger spenders who travel abroad, IDFC FIRST Select suits anyone wanting no fee and no forex markup, and HSBC Live+ is the most simplest for grocery and dining cashback. You can line these up yourself on our compare page, browse every Axis card, or start from the credit cards section.

Select against similar cards

Term	Axis Bank Select Credit Card This card	SBI Card ELITE	FIRST Select Credit Card	HSBC Live+ Credit Card
Bank	Axis Bank	SBI Card	IDFC FIRST Bank	HSBC India
Joining fee	₹3,000 + GST	₹4,999 + GST	Nil	₹999 + GST
Annual fee and waiver	₹3,000 + GST. Annual fee waived on spends of INR 8 lakh in the preceding card anniversary year; insurance, rent, fuel, education, utilities and telecom, government, wallet, gold and gift card spends (and EMI conversions, cash, reversals, fees) do not count. Nil fees for Burgundy account holders.	₹4,999 + GST. Renewal fee waived off on annual spends of Rs. 10 lakh or more in the preceding year	Nil	₹999 + GST. Annual fee, including GST, fully reversed if total eligible spend across primary and add-on cards in the anniversary year exceeds Rs 2,00,000
Base reward	10 EDGE REWARD Points per INR 200 spent (about 1% value)	2 Reward Points per Rs (about 0.5% value)	3X Reward Points on eligible spends (about 0.375% value)	1.5% unlimited cashback on most other spends (exclusions apply) (about 1.5% value)
Best category	Retail shopping: department stores, grocery stores, clothing and accessory stores: about 2% value	Dining, departmental stores and grocery: about 2.5% value	Hotel bookings via 'FIRST Rewards Gallery' in the IDFC FIRST Bank app: about 5% value	Dining, food delivery, grocery, shopping and utility spends: about 10% value
Lounges	Domestic: 2 complimentary visits per quarter at select domestic airport lounges (card must be swiped; Priority Pass not valid at Indian domestic lounges from 28 Aug 2026) International: Priority Pass membership with 6 complimentary international lounge visits per anniversary year, plus 6 more on INR 3 lakh spends in that year (up to 12)	Domestic: 2 complimentary domestic airport lounge visits every quarter (8 a year) International: 6 complimentary Priority Pass lounge visits per calendar year outside India (max 2 per quarter); Priority Pass membership complimentary, valid 2 years	Domestic: 1 complimentary domestic airport lounge visit every quarter; 4 complimentary railway lounge visits every quarter International: None (domestic airports in India only)	Domestic: 2 complimentary domestic lounge visits a year, limited to 1 visit every 6 months International: 1 complimentary international lounge visit a year (from 1 September 2026)
Forex markup	3.5% of the amount	1.99% of the amount	0% (no markup)	1.99% of the amount
Network	Not stated by the bank	Visa, Mastercard, American Express	Not stated by the bank	Visa
Published minimum income	₹50,000 a month	Stable income; SBI Card says the specific minimum varies by card and does not...	₹1,00,000 a month	₹50,000 a month
Status	Taking applications	Taking applications	Taking applications	Taking applications

Frequently asked questions

What is the Axis Select annual fee and when is it waived?

You pay ₹3,000 plus GST to join and the same every year after. Axis drops the annual fee if the previous card year's spends reach ₹8 lakh, not counting insurance, rent, fuel, education, utilities, wallet, gold, gift cards and similar categories. Burgundy account holders pay nil, though the ₹3,000 fee plus GST applies if Burgundy status ends.

How much are Axis Select reward points worth?

Axis's welcome offer values 10,000 EDGE REWARD Points at ₹2,000, which is ₹0.20 a point. At 10 points per ₹200 that is about 1% back, and about 2% on grocery, department store and clothing spends up to ₹20,000 a month. Each redemption costs ₹99, and points expire 3 years after they are credited.

What income do I need for the Axis Bank Select Credit Card?

Axis asks for a net income of at least ₹6 lakh a year, roughly ₹50,000 a month, and does not publish a separate figure for self-employed applicants. Applicants need to be 18 to 70. Meeting these criteria does not ensure approval; Axis makes the final decision on every application.

What lounge access does the Axis Select card give?

You get 2 complimentary domestic lounge visits a quarter with the card itself, if you spent ₹50,000 in the previous 3 months. Priority Pass gives 6 international lounge visits per anniversary year, and 6 more after ₹3 lakh of spends that year. Since 28 August 2026 Priority Pass does not work in Indian domestic lounges.

What changed on the Axis Select card in late 2026?

From 1 October 2026 insurance, rent, fuel, utilities, wallet, gold, gift cards and other excluded categories no longer count toward the ₹3 lakh threshold for extra lounge visits, golf and Priority Pass renewal. From 1 November 2026 the District movie offer needs ₹25,000 of spends in the previous 3 months, and from 15 November memberships renew only with consent.

Are the BigBasket and Swiggy offers on Axis Select worth using?

They can be. BigBasket gives a flat ₹500 off once a month on orders of ₹2,500 or more, and Swiggy gives ₹200 off twice a month on orders of ₹1,000 or more. Used every month, that is ₹500 plus ₹400, or ₹900 a month, and ₹900 times 12 is ₹10,800 a year, about three times the ₹3,540 fee.

Sources

Axis Bank: Most Important Terms and Conditions (MITC), PDF dated 8 October 2026; Terms & Conditions for Priority Pass membership on Axis Bank Select Credit Card; Revision of SELECT Credit Card Terms and Conditions (effective 28-08-2026, 01-10-2026, 01-11-2026, 15-11-2026); Key Fact Sheet (schedule of charges), last updated 8 October 2026; Axis Bank Select Credit Card page; Axis Bank support: Validity of EDGE REWARD Points; Axis Bank Contact Us; Axis Bank credit card listing page; Axis Bank Magnus Credit Card page
Business Today: New rules for Axis Bank credit cards valid from December 20

Last verified: 5 November 2026

Written by Ramesh Kulkarni, reviewed by BankCreds Financial Experts

BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.