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Axis Bank Select Credit Card
A travel-and-lifestyle-leaning mid-tier Axis card built around lounge and golf access rather than category-specific rewards — retail spends earn 20 EDGE points per ₹200 (about 2%) up to ₹20,000 a month, dropping to 10 points per ₹200 (about 1%) beyond that, with no bonus for travel, dining, or any other category. The real draw is the benefit stack: international and domestic lounge visits, golf rounds, and a milestone bonus that all double once ₹3L is spent in a year, making it a reasonable pick for moderate spenders who want lifestyle perks without Olympus- or Horizon-tier fees. At ₹3,000 with an achievable ₹8L waiver threshold, it sits comfortably as an accessible mid-tier travel companion card.
Annual fee
₹3,000
Joining fee
₹3,000
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: ₹200 off twice a month on Swiggy orders and periodic BigBasket discounts
- Rewards rate: 2% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per quarter, gated behind ₹50,000 spend in the preceding 3 months; from 28 Aug 2026 entry is with the Select card itself, not the Priority Pass card
- International lounge access: Up to 12 complimentary international lounge visits per year via Priority Pass; the extra 6 visits and next year's Priority Pass renewal need ₹3 lakh of annual spend, and from 1 Oct 2026 spends in reward-excluded categories don't count towards it
- Golf: 6 complimentary golf rounds/lessons annually, doubling to 12 on crossing ₹3L annual spend (reward-excluded categories don't count towards the ₹3L from 1 Oct 2026)
Benefits by category
- ✈️ Travel
6 complimentary international lounge visits per year via Priority Pass, doubling to 12 on crossing ₹3,00,000 annual spend (from 1 Oct 2026, spends on insurance, rent, fuel, education, utilities & telecom, wallets, gold/jewellery, government services and gift cards no longer count towards that ₹3 lakh); separately, 2 complimentary domestic lounge visits per quarter (needs ₹50,000 spend in the preceding 3 months), accessed with the Select card itself since Priority Pass stopped working at domestic lounges in India on 28 Aug 2026
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400–₹4,000 at any fuel station, capped at ₹400 per statement cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹8,00,000
- Rewards redemption fee: ₹99 redemption processing fee applies on EDGE Reward point redemptions for vouchers/statement credit
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
Benefits
- 10,000 EDGE REWARD Points (worth approx ₹2,000) credited on the first transaction made within 30 days of card issuance
- 5,000 EDGE REWARD Points (worth approx ₹1,000) on crossing ₹3,00,000 in annual spend — on top of the flat 2% earned on that spend itself
- 6 complimentary international lounge visits per year via Priority Pass, doubling to 12 on crossing ₹3,00,000 annual spend (from 1 Oct 2026, spends on insurance, rent, fuel, education, utilities & telecom, wallets, gold/jewellery, government services and gift cards no longer count towards that ₹3 lakh); separately, 2 complimentary domestic lounge visits per quarter (needs ₹50,000 spend in the preceding 3 months), accessed with the Select card itself since Priority Pass stopped working at domestic lounges in India on 28 Aug 2026
- 6 complimentary golf rounds/lessons annually at partner courses, doubling to 12 on crossing ₹3,00,000 annual spend (excluded categories don't count towards the threshold from 1 Oct 2026)
- 1% fuel surcharge waiver on transactions between ₹400–₹4,000 at any fuel station, capped at ₹400 per statement cycle
- ₹200 off twice a month on Swiggy food orders, plus periodic discounts on BigBasket grocery orders
Pros
- + Strong combined domestic + international lounge access for a ₹3,000 fee
- + 6 free golf rounds a year, doubling to 12 on ₹3L annual spend
- + Milestone bonus and lounge/golf access all scale up together past ₹3L spend
- + Reasonable ₹8L fee-waiver threshold for a card with this benefit set
Cons
- − No category-specific reward multipliers — flat 2% up to a ₹20,000 monthly cap, then 1%
- − No rewards at all on fuel, utilities, insurance, education, or government spends
- − Domestic lounge visits require a separate ₹50,000 quarterly spend gate on top of the card fee
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