Axis Bank Select Credit Card
A rewards card earning 10 EDGE REWARD Points per ₹200 (points valued at ₹0.20, so about 1%), 2X on retail shopping up to ₹20,000 a month, with Priority Pass lounge visits, golf rounds and BigBasket and Swiggy discounts; the ₹3,000 fee is waived at ₹8 lakh of spend. Every figure below is copied from Axis Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹3,000 plus GST Product page |
|---|---|
| Annual fee | ₹3,000 plus GST Product page |
| Annual fee waiver | On ₹8,00,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Product page |
| Fees are plus GST. Joining and annual fees are nil for Burgundy account holders; if Burgundy status ends, a ₹3,000 annual fee applies. | |
| Reward redemption fee | ₹99 plus GST Product page |
Rewards
Reward points, ₹0.20 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Eligible spends | 10 points per ₹200 Product page | no cap on record |
Retail shopping (department, grocery and clothing stores) earns 2X on up to ₹20,000 a month; Axis states it only as '2X', so CardWise values it at the base rate. Gold and jewellery, gift cards and tolls earn nothing.
No rewards on
- Insurance Product page
- Rent Product page
- Fuel Product page
- Educational services Product page
- Utilities and telecom Product page
- Wallet loads Product page
- Government services Product page
Benefits
- Lounges: Up to 12 international lounge visits a year with Priority Pass (6, plus 6 more after ₹3 lakh of spend in the anniversary year) and 2 domestic lounge visits a quarter — Domestic visits need ₹50,000 of spend in the previous 3 months; Priority Pass renews on ₹3 lakh of spend a year Product page
- Fuel: 1% fuel surcharge refunded on fills of ₹400 to ₹4,000, up to ₹400 a statement cycle Product page
- Welcome: 10,000 EDGE REWARD Points worth ₹2,000 on the first transaction within 30 days (not for lifetime-free cards or Burgundy account holders) Product page
- Milestone: 5,000 EDGE REWARD Points on ₹3 lakh of eligible spend in a card anniversary year (₹1,000 at ₹0.20 a point) Product page
Also on this card
Quoted from Axis Bank; not counted in the net value.
- 2X EDGE REWARD Points on retail shopping (department, grocery and clothing stores) on up to ₹20,000 a month Product page
- BigBasket: flat ₹500 off once a month on orders of ₹2,500 or more Product page
- Swiggy: flat ₹200 off on orders of ₹1,000 or more, twice a month Product page
- District app: second movie ticket free, up to ₹250 off, twice a month (from 1 Nov 2026 it needs ₹25,000 of spend in the previous 3 months) Product page
- 6 complimentary golf rounds a year, and 6 more after ₹3 lakh of spend in the anniversary year Product page
- Purchase protection up to ₹1 lakh and up to $500 cover for lost travel documents and baggage Product page
- Transfer points to ITC, SpiceJet and AirAsia at 5 points = 1 partner point (10 points = 1 for other partners) Terms
Eligibility
- Primary cardholder aged 18 or above Product page
- Primary cardholder aged 70 or below Product page
- Net income of at least ₹6 lakh a year Product page
- Net income of at least ₹6 lakh a year Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Axis Bank in the documents read
- the card network
- a RuPay variant for UPI
- the points rate on retail shopping in figures (only '2X' is stated)
The quotes behind the figures
32 figures, each copied from an official Axis Bank document.
Show every quote and source
“Standard Joining Fee ₹3000 (NIL for Burgundy)”
“Standard Annual Fee (2nd year onwards) ₹3000 (NIL for Burgundy)”
“Complete annual fee waiver on spending of ₹8 lakhs in a card anniversary year.”
“Foreign Currency Transaction Fee 3.50% of the transaction value”
“Get 10,000 EDGE REWARD Points worth ₹2000 on your first card transaction (Not applicable for life time free credit card / burgundy account holders)”
“Earn 10 Axis EDGE REWARDS points on every ₹200 spent*.”
“Earn 10 Axis EDGE points on every ₹200 spent*.”
“Spends* done on Insurance, rent, fuel, eduactional services, utilities & telecom, wallet, Gold/Jewellwey, government services, Gift card, Bridge Fees, Road Fees & Tolls will not be eligible for earning EDGE REWARD points.”
“No reward points are earned on fuel transactions.”
“Spends threshold for 5000 EDGE points and Annual fee waiver will exclude Insurance, rent, fuel, educational services, utilities & telecom, government services, wallet, gold and gift card.”
“Please note: Axis Bank Select Credit card is complimentary exclusively for Burgundy Customers. In the event of discontinuation of Burgundy status, an annual fee of ₹3000 + G.S.T will be applicable.”
“GST, as notified by the Government of India, is applicable on all fees, interest & other charges, and is subject to change as per relevant regulations of the Government of India.”
“Enjoy 2 complimentary domestic lounge visits per quarter on spending ₹50,000 in the last 3 months.”
“Customer is eligible for additional 6 visits per year by spending greater than Rs. 3 lakhs in that anniversary year.”
“**Retail shopping will include spends across : Dept Stores, Grocery Stores, Clothing and Accessory Stores, Women's Wear Stores, Children's Wear Stores, Family Clothing Stores, Misc Apparel and Accessory Stores.”
“To be eligible for the "Buy one get one" free District offer, you need to spend INR 25,000 in the previous 3 months.”
“Finance Charges (Retail Purchases & Cash) 3.75% per month (55.55% per annum)”
“Reward Redemption fee Rs. 99”
“Get up to 12 complimentary international airport lounge access through Priority Pass membership.”
“Get a 1% fuel surcharge refund on fuel purchases at all fuel stations across India.”
“Valid on transactions between ₹400 and ₹4,000 only. You get maximum benefits of up to ₹400 per statement cycle.”
“5000 EDGE REWARDS points on spending ₹3 lakhs in a card anniversary year.”
“Earn 2X EDGE REWARD Points upto cumulative transactions of ₹20,000 per month. For transaction above ₹20,000 per month earn 10 EDGE REWARD Points”
“Flat ₹500 off p.m. on minimum purchase of ₹2500 on BigBasket mobile app/ website The offer is applicable once per month per user”
“Valid twice a month on minimum transaction of ₹1000 per order.”
“Get up to ₹250 off, twice per month”
“Unlock additional 6 complimentary golf rounds wihin the same anniversary year on achieving the spends of ₹3 Lakhs in that anniversary year, the validity for the same will be current anniversary year.”
“Purchase protection of up to ₹1 lakh Cumulative cover upto $500 for the following:”
“Select, Privilege & REWARDS credit card ITC, SpiceJet, AirAsia 5 EDGE REWARD Points = 1 Partner Point Other Partners 10 EDGE REWARD Points = 1 Partner Point”
“You should be between 18 and 70 years of age to apply as the primary cardholder.”
“Your net income should be a minimum of ₹6 lakhs per annum.”
“Your net income should be a minimum of ₹6 lakhs per annum. *The above criteria are only indicative. The bank reserves the right to approve or decline applications for credit card. Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Axis Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Axis Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology