IDFC FIRST Select vs Axis Bank Select: Free Card or ₹3,000 Points Card?

Axis Bank Select earns more points, 10 EDGE REWARD Points per ₹200, about 1% at Axis's own ₹0.20 a point, against 0.375% on IDFC FIRST Select. But FIRST Select is lifetime free, charges no forex markup and adds lounge and insurance benefits, so at ₹20,000 a month, or for anyone spending abroad, the free card leaves more in your pocket, while Axis pulls ahead from about ₹50,000 a month of domestic spends.

By Abhishek Kumar · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

In short

Axis Bank Select pays more for big domestic spenders who reach its ₹3 lakh milestone, while IDFC FIRST Select is the better deal at modest spends, for spending abroad and for anyone who wants lounge and insurance cover without a fee.

Best for

IDFC FIRST Select: earners above ₹12 lakh a year who want a free card with zero forex markup
Axis Bank Select: families spending ₹50,000 or more a month, with a big share at grocery and department stores
Axis Bank Select: travellers who want Priority Pass lounge visits abroad

Skip it if

Your income is below ₹12 lakh a year, which rules out FIRST Select
You spend under ₹8 lakh a year and would pay Axis Select's ₹3,000 fee for modest points
Most of your bill is utilities, insurance or rent, which Axis excludes and IDFC rewards at 1X or not at all

Highlights

IDFC FIRST Select: lifetime free, 0% forex markup since 9 September 2026
Axis Bank Select: ₹3,000 plus GST, waived on ₹8 lakh of spends
Base earn: 0.375% on FIRST Select, about 1% on Axis Select
Income needed: ₹12 lakh a year against ₹6 lakh

Side by side

Every term from the banks' own pages, last verified 5 November 2026.
Term	FIRST Select Credit Card	Axis Bank Select Credit Card
Bank	IDFC FIRST Bank	Axis Bank
Joining fee	Nil	₹3,000 + GST
Annual fee and waiver	Nil	₹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	3X Reward Points on eligible spends (about 0.375% value)	10 EDGE REWARD Points per INR 200 spent (about 1% value)
Best category	Hotel bookings via 'FIRST Rewards Gallery' in the IDFC FIRST Bank app: about 5% value	Retail shopping: department stores, grocery stores, clothing and accessory stores: about 2% value
Lounges	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 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	0% (no markup)	3.5% of the amount
Network	Not stated by the bank	Not stated by the bank
Published minimum income	₹1,00,000 a month	₹50,000 a month
Status	Taking applications	Taking applications
Add-on card fee	₹499 + GST	Nil
Earned as	Reward Points	EDGE REWARD Points
Higher-reward categories	Dining: 10X Reward Points (10 points per ₹200) from the first eligible transaction, effective 18 June 2026, about 1.25% value (No cap published) Travel: 10X Reward Points (10 points per ₹200), about 1.25% value (No cap published) Spends on your birthday: 10X Reward Points (10 points per ₹200), about 1.25% value (No cap published) International purchases: No reward points on international spends from 26 Oct 2026 (bank notice of 9 Sep 2026), about 0% value (No cap published) Hotel bookings via 'FIRST Rewards Gallery' in the IDFC FIRST Bank app: 20% Bonus Reward Points over and above base points (up to 25% reward points in total), about 5% value (8,000 bonus Reward Points a calendar month (shared with flights), ₹8,000, calendar month) Flight bookings via 'FIRST Rewards Gallery' in the IDFC FIRST Bank app: 10% Bonus Reward Points over and above base points (up to 15% reward points in total), about 2.5% value (8,000 bonus Reward Points a calendar month (shared with hotels), ₹8,000, calendar month) UPI via linked FIRST Digital RuPay card, transactions above ₹2,000: 3X Reward Points, about 0.375% value (No cap published)	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)
No rewards on	Fuel EMI transactions Cash withdrawals Fees and charges From 10X only: rent and property management, government services, education, wallet loads	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)
Value of a point	Pay with points on online purchases, select stores, vouchers and catalogue: 1 Reward point = ₹0.25 Flight and hotel bookings in the IDFC FIRST Bank app: Points can pay up to 70% of the booking value; 1,00,000 points a month and 2,00,000 a year redemption cap (travel T&C)	EDGE REWARDS catalogue: Axis states the 10,000-point welcome benefit is 'worth ₹2000' (INR 0.20 a point).
Redemption fee	₹99 + GST per redemption	INR 99 per redemption (card page: 'Reward Redemption fee Rs. 99')
Expiry	Reward Points are valid for 24 months from the date they are credited (from the July 2026 statement cycle; balance as of July 2026 valid until July 2028). Earlier the points did not expire.	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	₹500 gift voucher on spending ₹5,000 within 30 days of card generation (primary card; not UPI, add-on, wallet load, EMI or ATM spends) 5% cashback up to ₹1,000 on the first EMI conversion within 30 days of card generation	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	None published	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
Fuel surcharge waiver	1% waiver on fuel transactions between ₹200 and ₹5,000, up to ₹300 per statement cycle	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	Air accident cover ₹1 crore, personal accident cover ₹5,00,000, lost card liability ₹50,000 (valid if the card had a transaction in the last 30 days); travel insurance up to USD 300 (checked-in baggage loss USD 100, baggage delay USD 67, passport loss USD 67, flight delay USD 67); trip cancellation cover up to ₹10,000.	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
Interest on unpaid balances	Up to 3.85% a month (46.2% a year)	Up to 3.75% a month (55.55% a year)
Late payment fee	15% of the Total Amount Due as of the previous statement minus payments received before the due date, minimum ₹100 and maximum ₹1,300 (none if the amount due is below ₹100). Charged when the Minimum Amount Due is unpaid by the due date.	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	₹199 per cash withdrawal (plus GST). Card pages say ATM withdrawals carry no interest for up to 45 days (until the due date); after that, interest at the card's rate applies.	2.5% of the amount (minimum INR 500); interest at 3.75% per month from the date of withdrawal
Age (salaried)	At least 21 years	18 to 70 years
Income (salaried)	Annual income of ₹12 lakhs or more	Net income of at least INR 6 lakh per annum
Income (self-employed)	Annual income of ₹12 lakhs or more (no separate self-employed figure published)	Net income of at least INR 6 lakh per annum (page does not split by employment type)
Documents	Identity proof Income proof KYC verification (Video KYC in the online journey)	PAN card photocopy Income proof: latest payslip, Form 16 or IT return Residence proof: driving licence, electricity bill or landline telephone bill
Last verified	5 November 2026	5 November 2026

Same name, very different cards

Both cards is called Select, and the resemblance mostly stops there. IDFC FIRST Bank's FIRST Select is lifetime free, with zero forex markup, a domestic airport lounge visit each quarter and a fair set of insurance covers, but a modest earn rate: 3 Reward Points per ₹200 at ₹0.25 a point, or 0.375%. Dining, travel and birthday spends earn 10 points per ₹200, which is 1.25%.

Axis Bank's Select costs ₹3,000 plus GST a year and earns 10 EDGE REWARD Points per ₹200. Axis puts its 10,000-point welcome benefit at ₹2,000, so a point is ₹0.20 and the base work out to 1%. Grocery, department and clothing stores earn double, on up to ₹20,000 of such spends a month.

Who each card is for

IDFC FIRST Select: a person earning ₹12 lakh or more a year who spend around ₹20,000 a month, travels abroad now and then, and wants lounge visits and cover without a fee.
Axis Bank Select: a household putting ₹50,000 or more a month on one card, much of it at supermarkets, that will clear ₹3 lakh in a card year for the extra points and the lounge visits that comes with it.

The verdict in two sentences

Around ₹20,000 a month, or whenever money is spent abroad, FIRST Select leaves you better off because it costs nothing and adds nothing on forex. From about ₹50,000 a month of domestic spends Axis Select earns enough to cover its fee and more, and at ₹8 lakh a year the fee disappear altogether.

Both cards are active and both changed a lot in 2026. IDFC made forex free on 9 September 2026 but stopped points on international spends from 26 October 2026, and Axis no longer counts excluded categories towards its ₹3 lakh milestone benefits from 1 October 2026.

A free card against a ₹3,000 card

FIRST Select has no joining or annual fee and no spend condition to keep it that way. The costs sits in the extras: an add-on card is ₹499 plus GST to join and the same each year, and the FIRST Digital RuPay companion card, which you need for UPI, is ₹199 plus GST to join and ₹199 plus GST a year.

Axis Select charges ₹3,000 plus GST to join and every year after, which is ₹3,540 with 18% GST (₹3,000 plus ₹540). It's waived on ₹8 lakh of spends in the preceding card anniversary year, a big amount for most of people, about ₹66,667 a month (₹8,00,000 divided by 12), and Burgundy account holders pay nothing. That ₹8 lakh is counted strictly: insurance, rent, fuel, education, utilities and telecom, government, wallet, gold and gift card spends doesn't count, nor do EMIs or cash. Add-ons are free.

Charge	IDFC FIRST Select	Axis Bank Select
Interest	0.71% to 3.85% a month, set per cardholder; 3.99% if the minimum is missed	3.75% a month, 55.55% a year
Late fee	15% of total due, ₹100 to ₹1,300	Nil up to ₹500, then ₹500 to ₹1,300 by slab
Cash withdrawal	₹199 per withdrawal plus GST	2.5%, minimum ₹500, with interest from the date of withdrawal
Rent	1%, minimum ₹249	1% plus GST
Utilities	1% above ₹20,000 a cycle	1% from ₹25,000 a cycle
Fuel	1% above ₹30,000 a cycle	1% from ₹50,000 a cycle
Forex markup	0%	3.5%

A late payment show how differently they work. On ₹8,000 due, IDFC's 15% is ₹1,200 (15% of ₹8,000) while Axis charges ₹750 for its ₹5,001 to ₹10,000 slab. On ₹40,000 due, IDFC stops at its ₹1,300 maximum and Axis charges ₹1,200. IDFC works the fee out on the previous statement's total due less payments made before the due date, so even a part payment bring it down.

IDFC also charges 1% on railway spends above ₹25,000 and tolls above ₹10,000 in a cycle, and 1% (minimum ₹249) on education paid through third-party apps. Axis has its 1% on wallet loads and online gaming from ₹10,000 a cycle, ₹175 for paying cash at a branch and, since 28 August 2026, a 3.5% markup on rupee payments to overseas merchants, up from 1.5%.

Points, point values and caps

FIRST Select earns 3 points per ₹200 on most spends, 0.375% at ₹0.25 a point. Dining (food delivery included), travel bookings with airlines, hotels and travel agents, and spends on your birthday earn 10 per ₹200, or 1.25%, from the first transaction since 18 June 2026; before that, you was having to spend ₹20,000 in a cycle first. Utilities, insurance, railways and FASTag get 1 point per ₹200, and fuel, EMIs and cash get none. International spends have earned nothing since 26 October 2026 under the bank's notice of 9 September 2026, even though the card page still mention 10X abroad.

Hotels and flights booked in the bank's app through FIRST Rewards Gallery earn bonus points, described as 20% on hotels and 10% on flights, capped at 8,000 bonus points a calendar month, worth ₹2,000 at ₹0.25. Points can pay up to 70% of such a booking. From the July 2026 statement, points last 24 months, each redemption costs ₹99 plus GST, and points are credited only when the minimum due is paid on time.

Axis Select earns 10 EDGE REWARD Points per ₹200, about 1%, and 20 per ₹200 at grocery stores, department stores and clothing stores, but only on the first ₹20,000 of those spends in a month. Insurance, rent, fuel, education, utilities and telecom, wallets, gold and jewellery, government, gift cards and tolls earns nothing. Points last 3 years, or until 365 days without activity, and each redemption on the EDGE REWARDS portal costs ₹99, with ₹199 to move points to a partner programme.

The milestone matter a lot on Axis: 5,000 points, worth ₹1,000, on ₹3 lakh of spends in a card anniversary year, and from 1 October 2026 the excluded categories don't count towards that ₹3 lakh.

Three spenders, both cards

Points are valued at ₹0.25 on FIRST Select and ₹0.20 on Axis Select, the figures each bank give. This is year two, so no welcome benefits, and travel here means flights and hotels booked direct, not in the IDFC app.

Per year	₹20,000 a month	₹50,000 a month	₹80,000 a month
Monthly split	Dining ₹4,000, grocery and stores ₹6,000, travel ₹2,000, other ₹6,000, utilities ₹2,000	Dining ₹8,000, grocery and stores ₹15,000, travel ₹7,000, other ₹16,000, utilities ₹4,000	Dining ₹10,000, grocery and stores ₹25,000, travel ₹15,000, other ₹25,000, utilities ₹5,000
FIRST Select points a month	490	1,235	2,025
FIRST Select value	₹1,470	₹3,705	₹6,075
Axis Select points a month	1,200	3,050	4,750
Axis milestone	None	₹1,000	₹1,000
Axis fee with GST	₹3,540	₹3,540	Waived
Axis Select net	Minus ₹660	₹4,780	₹12,400

₹20,000: FIRST Select gives 300 points on dining and travel (₹6,000 at 10 per ₹200), 180 on grocery and other (₹6,000 plus ₹6,000, so ₹12,000, at 3 per ₹200) and 10 on utilities (₹2,000 at 1 per ₹200). 490 points at ₹0.25 is ₹122.50 a month, ₹1,470 a year. Axis gives 600 on grocery (₹6,000 at 20 per ₹200) and 600 on dining, travel and other (₹12,000 at 10 per ₹200), nothing on utilities: 1,200 points, ₹240 a month, ₹2,880 a year. Counted spends of ₹2.16 lakh (₹20,000 less ₹2,000 of utilities, so ₹18,000, times 12) miss both the ₹3 lakh milestone and the ₹8 lakh waiver, so ₹2,880 minus ₹3,540 is a loss of ₹660.
₹50,000: FIRST Select gives 750 (₹15,000 at 10 per ₹200), 465 (₹15,000 plus ₹16,000, so ₹31,000, at 3 per ₹200) and 20 on utilities, so 1,235 points, ₹308.75 a month, ₹3,705 a year. Axis gives 1,500 on grocery (₹15,000 at 20 per ₹200) and 1,550 on the rest (₹8,000 plus ₹7,000 plus ₹16,000, so ₹31,000, at 10 per ₹200): 3,050 points, ₹610 a month, ₹7,320 a year. Counted spends of ₹5.52 lakh (₹50,000 less ₹4,000 of utilities, so ₹46,000, times 12) earns the 5,000-point milestone, ₹1,000, but fall short of ₹8 lakh: ₹7,320 plus ₹1,000 minus ₹3,540 is ₹4,780.
₹80,000: FIRST Select gives 1,250 (₹25,000 at 10 per ₹200), 750 (₹50,000 at 3 per ₹200) and 25 on utilities, so 2,025 points, ₹506.25 a month, ₹6,075 a year. On Axis, grocery passes the ₹20,000 limit: 2,000 points on the first ₹20,000, 250 on the other ₹5,000, and 2,500 on ₹50,000 of the rest. 4,750 points is ₹950 a month, ₹11,400 a year, plus ₹1,000 of milestone, and counted spends of ₹9 lakh (₹80,000 less ₹5,000, so ₹75,000, times 12) clear the waiver: ₹12,400.

On points alone Axis wins once its fee is covered. FIRST Select's figures leave out its free extras, though, the lounge visits, insurance and zero forex, which the benefits tab puts a number on where it can.

Forex, lounges, offers and cover

Forex is the biggest single gap. FIRST Select has charged 0% markup since 9 September 2026, though foreign spends earn no points. Axis Select charges 3.5%, and nothing in its exclusions stops foreign spends earning the base rate. On a ₹1 lakh trip, Axis adds ₹3,500 of markup (3.5% of ₹1,00,000) and gives back 5,000 points (₹1,00,000 at 10 per ₹200), worth ₹1,000, so the trip cost ₹2,500 more than on FIRST Select.

Lounges lean the other way. Axis gives 2 domestic airport lounge visits a quarter once you've spent ₹50,000 in the last 3 months, plus a Priority Pass with 6 international visits a year and 6 more if you spend ₹3 lakh in that year, so up to 12. Since 28 August 2026 the Priority Pass no longer works at Indian domestic lounges. FIRST Select gives 1 domestic airport visit and 4 railway lounge visits a quarter, each needing ₹20,000 of spends in the previous calendar month, and no international lounge at all is given.

Movie offers looks alike on paper. FIRST Select's Buy 1 Get 1 on the District app works twice a month after a ₹20,000 month, though the bank's text gives no discount cap. Axis give up to ₹250 off twice a month, and since 1 November 2026 that needs ₹25,000 of spends across the previous 3 months. Axis adds BigBasket (₹500 off once a month on ₹2,500 or more) and Swiggy (₹200 off twice a month on orders of ₹1,000 or more), worth up to ₹6,000 and ₹4,800 a year (₹500 times 12, and ₹200 times 2 times 12) if you would shop there anyway.

Insurance and the rest

FIRST Select: air accident cover of ₹1 crore, personal accident cover of ₹5,00,000 and lost card liability of ₹50,000, valid only with a card transaction in the last 30 days; travel insurance up to USD 300, trip cancellation cover up to ₹10,000 and roadside assistance worth ₹1,399.
Axis Select: a purchase protection up to ₹1 lakh and the combined cover up to USD 500 for lost travel documents and delayed or lost checked-in baggage, plus 6 golf rounds a year and 6 more at ₹3 lakh of spends.
Fuel: FIRST Select waive 1% on fills of ₹200 to ₹5,000, up to ₹300 a cycle; Axis does it on ₹400 to ₹4,000, up to ₹400 a cycle.
Welcome: FIRST Select gives a ₹500 voucher for ₹5,000 spent in 30 days and 5% back up to ₹1,000 on your first EMI conversion. Axis gives 10,000 points worth ₹2,000 on a first transaction within 30 days, which covers more than half of the first year's ₹3,540.

One more date for Axis holders: from 15 November 2026, memberships linked to Select renew only with your explicit consent, so look out for that request.

The income bar is the first filter

This is where many readers will decide. IDFC asks for annual income of ₹12 lakh or more for FIRST Select, which is ₹1 lakh a month (₹12,00,000 divided by 12), with no separate figure for the self-employed. You must be at least 21, an Indian citizen, with a healthy credit score and credit usage within an acceptable level. The bank don't publish an age rule for self-employed applicants or an exact document list beyond identity proof, income proof and Video KYC.

Axis asks half the income: a net ₹6 lakh a year, about ₹50,000 a month (₹6,00,000 divided by 12), whether salaried or self-employed, and an age of 18 to 70. The documents is a PAN card copy, income proof such as a payslip, Form 16 or IT return, and a residence proof like a driving licence or electricity bill.

Rule	IDFC FIRST Select	Axis Bank Select
Age	At least 21	18 to 70
Income	₹12 lakh a year	Net ₹6 lakh a year
Credit	Healthy score, usage within an acceptable level	Score and history may be checked
Documents	Identity proof, income proof, Video KYC	PAN, payslip, Form 16 or IT return, residence proof
How to apply	Online with Video KYC, or at a branch	Online form, Axis Mobile app or a branch

Neither bank will promise approval; that's their decision. RBI requires card issuers to assess your independent financial means, and to give the specific reasons in writing if they say no. Self-employed readers can check our guide to credit cards for the self-employed, which explain what banks usually ask for, and IDFC customers can find helplines on our IDFC FIRST Bank customer care page.

Pros and cons

Pros

IDFC FIRST Select has no joining or annual fee and a 0% forex markup
IDFC FIRST Select includes ₹1 crore air accident cover and trip cancellation cover up to ₹10,000
Axis Bank Select earns 10 EDGE REWARD Points per ₹200, about 1%, and double at grocery and department stores
Axis Bank Select gives Priority Pass with up to 12 international lounge visits a year
Axis Bank Select adds 5,000 points on ₹3 lakh of yearly spends

Cons

IDFC FIRST Select earns only 0.375% on most spends and nothing abroad since 26 October 2026
IDFC FIRST Select needs ₹12 lakh a year of income and ₹20,000 a month of spends for lounges
Axis Bank Select costs ₹3,000 plus GST, waived only at ₹8 lakh of counted spends
Axis Bank Select charges a 3.5% forex markup and excludes utilities, rent and insurance from points
Axis Bank Select's domestic lounges need ₹50,000 of spends in the last 3 months

Frequently asked questions

Is IDFC FIRST Select free while Axis Bank Select charges a fee?

Yes. IDFC FIRST Select has no joining or annual fee and no spend condition; only add-on cards at ₹499 plus GST and the optional FIRST Digital RuPay card for UPI at ₹199 plus GST a year cost money. Axis Bank Select costs ₹3,000 plus GST a year, ₹3,540 in all, waived on ₹8 lakh of spends in the preceding anniversary year.

What is a reward point worth on each Select card?

IDFC FIRST Bank values a point at ₹0.25 for pay-with-points, vouchers and travel booked in its app, so the 3 points per ₹200 base is 0.375% and 10 per ₹200 is 1.25%. Axis values its welcome points at ₹2,000 for 10,000, or ₹0.20 a point, so 10 EDGE REWARD Points per ₹200 is about 1%.

What income do I need for IDFC FIRST Select and Axis Bank Select?

IDFC asks for annual income of ₹12 lakh or more, an age of at least 21 and a healthy credit score. Axis asks for net income of ₹6 lakh a year and an age of 18 to 70, salaried or self-employed. Meeting these figures does not mean approval, which each bank decides after checking your income and credit.

Which Select card is better for international travel?

For spending abroad, IDFC FIRST Select, with a 0% forex markup since 9 September 2026, although foreign spends no longer earn points. Axis Select charges 3.5%, so ₹1 lakh abroad costs ₹3,500 extra against about ₹1,000 in points back. For lounges abroad Axis wins, with Priority Pass and up to 12 international visits a year.

What changed on IDFC FIRST Select and Axis Select in 2026?

IDFC cut FIRST Select's forex markup to zero on 9 September 2026 and stopped points on international spends from 26 October 2026. Axis stopped Priority Pass working in Indian domestic lounges from 28 August 2026, dropped excluded categories from its ₹3 lakh milestone count from 1 October 2026, and from 1 November 2026 ties its movie offer to ₹25,000 of spends over 3 months.

Do I have to spend every month to use the lounges on these cards?

For domestic lounges, yes on both. FIRST Select needs ₹20,000 of spends in a calendar month before you can use its quarterly airport visit or railway visits in the following month. Axis Select's 2 domestic visits a quarter need ₹50,000 spent over the last 3 months. Axis's Priority Pass visits abroad have no monthly test, but renewal needs ₹3 lakh in the year.

Sources

IDFC FIRST Bank: Most Important Terms & Conditions - Credit Cards (MITC and Schedule of Charges); FIRST Select Credit Card bonus reward points on travel bookings (T&C); FIRST Select Credit Card; FIRST Select Credit Card Privileges; Important update regarding your FIRST Select Credit Card
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
Business Today: New rules for Axis Bank credit cards valid from December 20

Last verified: 5 November 2026

Written by Abhishek Kumar, 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.