Axis Bank Select Credit Card

A travel-and-lifestyle-leaning mid-tier Axis card with meaningful lounge and golf access, though rewards are flat (no category multipliers) and capped at ₹20,000/month spend before dropping to a lower rate.

Rates and fees last verified 14 September 2026.

Annual fee

₹3,000

Joining fee

₹3,000

Reward type

points

Base reward rate

Card network

Visa

Card tier

Mid

Eligibility

Minimum credit score: 750
Employment: salaried, self-employed
Age: 18–70

Benefits

10,000 EDGE REWARD Points (worth approx ₹2,000) on first transaction within 30 days of card issuance
5,000 EDGE REWARD Points on annual spends of ₹3,00,000
6 complimentary international lounge visits per year, plus 6 more on crossing ₹3,00,000 annual spend; 2 complimentary domestic lounge visits per quarter (needs ₹50,000 spend in preceding 3 months)
6 complimentary golf rounds annually, plus 6 more on ₹3,00,000 annual spend
1% fuel surcharge waiver on transactions between ₹400–₹4,000, capped at ₹400 per month
₹200 off twice a month on Swiggy orders, plus discounts on BigBasket

Pros

+ Strong lounge access (domestic + international) for a ₹3,000 fee
+ 6 free golf rounds a year, doubling with spend
+ Reasonable ₹8L fee-waiver threshold for a card with this benefit set

Cons

− No category-specific reward multipliers — flat 2% up to a monthly cap, then 1%
− No rewards at all on fuel, utilities, insurance, education or government spends

Apply on Axis Bank's site

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