Annual fee₹3,000+ GST
Forex markup3.5%
Interest3.75%a month
Network
You earn
Perks & rules
What changed
Coming 15 Nov 2026Free memberships linked to the card renew only with your consent
Coming 1 Nov 2026District buy-one-get-one needs ₹25,000 spend in the previous 3 months
1 Oct 2026Insurance, rent, fuel, education, utilities, wallet, gold, government and gift card spends no longer count toward the ₹3 lakh lounge, golf and Priority Pass threshold
28 Aug 2026Priority Pass no longer works at domestic lounges in India; use the SELECT card there
28 Aug 2026Rupee payments abroad (DCC) now 3.5% instead of 1.5%; late fee ₹1,300 on dues above ₹50,000
28 Aug 2026Gift cards moved to their own category and still earn nothing; tolls and road fees earn no points
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asEDGE REWARD points
Base rate10 points per ₹200 spent
Higher rates
- Retail shopping: 2X (20 points per ₹200) on retail shopping: department stores, grocery, clothing and apparel stores
Limits
- 2X only on the first ₹20,000 of spends a month; above that 10 points per ₹200
Doesn't earn on
- Insurance, rent, fuel, education, utilities & telecom, wallet, gold/jewellery, government services
- Gift cards (now their own category) and bridge fees, road fees & tolls
- Points are taken back if a transaction is converted to EMI
Where it landsWelcome points within 15 business days of the first transaction; when regular points post is not stated
What a point is worth
ValueBank says 10,000 points are worth ₹2,000 (₹0.20 a point); redeemed from the EDGE REWARDS catalogue
ExpiryNot stated in the documents read; points may be forfeited 30 days after card closure or if the minimum due is over 90 days late
Redemption fee₹99 per redemption
Welcome benefit
Welcome10,000 points (worth ₹2,000) on the first transaction within 30 days of issue; not for lifetime-free/Burgundy cards
Milestones
Milestones
- 5,000 points on ₹3 lakh spend in a card anniversary year
- ₹3 lakh in an anniversary year also unlocks 6 more international lounge visits, 6 more golf rounds and Priority Pass renewal
Airport lounges
Domestic2 visits a quarter if you spent ₹50,000 in the previous 3 calendar months (waived for the first months of a new card); show the SELECT card, not Priority Pass
International6 visits a year with Priority Pass, plus 6 more on ₹3 lakh spend in the anniversary year (up to 12)
Fuel
Fuel1% surcharge refund on ₹400–₹4,000, up to ₹400 a statement cycle; no points on fuel
Spending abroad
Forex markup3.5% (also 3.5% on international payments made in rupees)
Fees
Joining fee₹3,000 + GST (nil for Burgundy account holders)
Annual fee₹3,000 + GST from year 2 (nil for Burgundy account holders)
Fee waiverAnnual fee waived on ₹8 lakh spend in the card anniversary year (insurance, rent, fuel, education, utilities & telecom, government, wallet, gold and gift card spends don't count)
If you pay late
Late feeNil up to ₹500 due; ₹500 / ₹750 / ₹1,200 / ₹1,300 for dues up to ₹5,000 / ₹10,000 / ₹50,000 / above; +₹100 if minimum due missed twice in a row
Interest3.75% a month (55.55% a year)
Cash withdrawal2.5% of the amount, minimum ₹500
Who can apply
Age18–70 years
SalariedNet income of at least ₹6 lakh a year
Self-employedNet income of at least ₹6 lakh a year (not split by job type)
More perks
Perks
- 6 golf rounds a year, plus 6 more on ₹3 lakh spend in the anniversary year
- Buy-one-get-one movie ticket on District, up to ₹250 off, twice a month
- ₹500 off a month on BigBasket (min ₹2,500) and ₹200 off on Swiggy twice a month (min ₹1,000)
- Purchase protection up to ₹1 lakh; travel document and baggage cover up to $500
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- Axis Bank SELECT Credit Card product page Product page · 2 Oct 2026
- Priority Pass membership T&C, Axis Bank SELECT Card T&C · 28 Sep 2026
- Revision of SELECT Credit Card Terms and Conditions Change notice · 27 Jul 2026
- Axis Bank Credit Cards Most Important Terms & Conditions Fee schedule · 17 Sep 2026
- Axis Bank Domestic Airport Lounge Access Program Card T&C · 16 Apr 2026
Card image: Axis Bank's own website.
