Axis Bank SELECT Credit Card
Axis Bank · Open to apply
Axis's premium lifestyle card: 10 EDGE Reward points per ₹200 with 2X on retail shopping up to ₹20,000 a month, 10,000 points on the first transaction, 5,000 points at ₹3 lakh a year, Priority Pass international lounges, 2 domestic lounge visits a quarter and 6 golf rounds a year. ₹3,000 fee, free for Burgundy customers, waived at ₹8 lakh of spend.
- Annual fee
- ₹3,000 + GST a year
- Joining fee
- ₹3,000 + GST
- Fee waiver
- Annual fee waived on ₹8,00,000 spend per card year
- Base rate
- 10 points per ₹200 on everything else: 10 EDGE Reward points per ₹200 (about 1% at cash value)
- Lounges
- International: 6 visits a calendar year; International: 6 visits per card year after ₹3,00,000 spend; Domestic: 2 visits a calendar quarter after ₹50,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 2X (20 points per ₹200) on retail shopping, up to ₹20,000 a month: 20 EDGE Reward points per ₹200 (about 2% at cash value)
Earns nothing on
- No points on insurance, rent, fuel, education, utilities and telecom, wallet, gold and jewellery, government, EMI conversions and gift cards
- No points on bridge, road and toll fees
Terms the calculator does not value
- Partner offers have value but are not counted: ₹500 off BigBasket once a month, ₹200 off Swiggy twice a month, the District movie offer and golf rounds. The calculator values lounge visits only when the user sets visits.
- The page says "up to 12" international lounge visits and, separately, 6 additional visits on ₹3 lakh of spend. The reading used is 6 plus 6; if the 12 is the base, the card gives up to 18. The period (calendar or anniversary year) is not stated.
- The page names no MCCs for the 2X retail rate; department stores are matched as MCC 5311 only, so other general-merchandise codes (such as 5399) are valued at the base rate.
- The calculator uses ₹0.20 a point for vouchers, from the welcome points' stated worth; the catalogue's own rates and point expiry were not found. Complimentary memberships renew only with explicit consent from 2026-11-15.
Sources
- Axis Bank SELECT Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Key Fact Sheet (last updated 2026-10-08) (Schedule of charges, the bank's own, read 6 Nov 2026)
- Flipkart Axis Bank Credit Card page (related-product blurb for Select) (Product page, the bank's own, read 6 Nov 2026)
- Axis Bank credit card listing (Product page, the bank's own, read 6 Nov 2026)
- Axis Bank Points/Miles Transfer Program page (transfer ratio by card type) (Product page, the bank's own, read 6 Nov 2026)
- Revision of SELECT Credit Card T&C (effective 2026-08-28, 2026-10-01, 2026-11-01 and 2026-11-15) (Bank notice, the bank's own, read 6 Nov 2026)
- Axis Bank Travel EDGE terms, Points/Miles Transfer Program (partners, ratios, groups and caps) (Reward terms, the bank's own, read 6 Nov 2026)
- Third-party report on Axis's September 2026 transfer partner rewrite (Magnify) (Third-party site, read 20 Oct 2026)