Axis
Axis Select Credit Card
This is an invite only card
Apply and get ₹1750 Rewards
Top Benefits
12 Complimentary International Lounge Access
visits annually via Priority Pass
Get 10,000 EDGE REWARD Points
on your first transaction within 30 days of card issuance
Best For
Shopping
Online Food Ordering
Grocery Shopping
Travel
The Axis Select Credit Card is a mid-tier lifestyle credit card from Axis Bank built around premium d...
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The Axis Select Credit Card is a mid-tier lifestyle credit card from Axis Bank built around premium d...
The Axis Select Credit Card is a mid-tier lifestyle credit card from Axis Bank built around premium dining and entertainment benefits. Issued on the Visa network, it carries a ₹3,000 joining fee and a ₹3,000 annual fee, with no waiver mechanism. The fee is non-waivable, which is unusual for cards at this price tier.
The card delivers 10,000 EDGE Reward Points (worth ₹2,000) on activation as a welcome benefit. Eligibility requires applicants to be between 18 and 70 years of age, with a minimum annual income of ₹6 LPA for both salaried and self-employed (₹50,000 monthly). CIBIL score requirement is 750 or above.
The flagship benefit is complimentary Priority Pass with 4 international airport lounge visits per year, plus 1 complimentary buy-one-get-one movie ticket per month via BookMyShow (capped at ₹500 per transaction). These two features together can extract significant lifestyle value.
The card also offers 25% off (max ₹500 per visit) at over 4,000 partner restaurants via Axis Bank Dining Delights on EazyDiner, valid 4 times per month. This is among the most generous dining discount programmes in the Indian market.
The forex markup is 1.50%, among the lowest in the Indian credit card market. For occasional international travellers, this delivers significant savings compared to the 3.5% on most premium cards.
The card does not include accelerated category rewards or milestone bonuses. The earning is straightforward at standard EDGE Points rates, with value coming primarily from the welcome bonus, Priority Pass, movie BOGO, and dining discounts.
View FAQ
Commonly Asked Questions
Q. What is the joining fee?
A. The joining fee is ₹3,000 plus applicable GST, offset by 10,000 EDGE Reward Points (worth ₹2,000) on welcome activation.
Q. Can the annual fee be waived?
A. No, the ₹3,000 annual fee is non-waivable on this card, which is unusual for this fee tier.
Q. What is the welcome benefit?
A. 10,000 EDGE Reward Points (worth ₹2,000) on card activation.
Expert Review
The Axis Select is a focused lifestyle card built for users who watch movies and dine out regularly. The 12 BOGO movie tickets annually (worth up to ₹6,000), EazyDiner dining discounts (up to ₹24,000 in theoretical annual savings), and 1.50% forex markup create a unique lifestyle proposition.
For a typical urban professional watching one movie per month and dining out twice weekly, the card delivers approximately ₹6,000 (movies) + ₹6,000-₹12,000 (dining) + ₹5,000 (lounge access) + ₹1,000 (forex savings) = ₹18,000-₹24,000 in annual lifestyle value. Against the ₹3,540 annual fee, this is exceptional value.
The 1.50% forex markup is best-in-class. For occasional international travellers, this card delivers meaningful forex savings without requiring premium-tier fee commitments.
The card has limitations. The non-waivable annual fee is unusual and adds pressure to extract value every year. There are no accelerated category rewards, no milestone bonuses, and no welcome cashback. The 4 international lounge limit may not suit frequent travellers.
Our recommendation: get this card if you watch 8+ movies and dine out 15+ times a year at premium restaurants. For users without strong lifestyle spending, the Axis Privilege at ₹1,500 (waivable) delivers similar welcome benefits at a lower commitment.
Joining / Annual Fee
Joining Fees
₹3,540 ( ₹3000 + GST )
Annual Fees
₹3,540 ( ₹3000 + GST )
Joining fee is ₹3,000 plus GST, partially offset by welcome 10,000 EDGE Points (₹2,000). Annual fee i...
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Joining fee is ₹3,000 plus GST, partially offset by welcome 10,000 EDGE Points (₹2,000). Annual fee i...
Joining fee is ₹3,000 plus GST, partially offset by welcome 10,000 EDGE Points (₹2,000). Annual fee is ₹3,000 plus GST from year two, non-waivable.
This is unusual: most premium cards offer waiver thresholds. The Axis Select's non-waivable fee means you need to extract more than ₹3,000 in annual value from the card to justify keeping it.
GST at 18% applies, so the total first-year cost is ₹3,540. The annual fee from year two is also ₹3,540.
For users who watch movies regularly and dine out frequently, the BOGO movie tickets (₹6,000 potential annual value) and dining discounts (₹4,000-₹24,000 potential annual value) easily justify the fee.
View FAQ
Commonly Asked Questions
Q. What is the joining fee?
A. ₹3,000 plus 18% GST, totalling ₹3,540.
Q. Can the annual fee be waived?
A. No, the annual fee is non-waivable on this card.
Q. Is the joining fee offset?
A. Partially. The welcome 10,000 EDGE Points (₹2,000) offsets two-thirds of the joining fee.
Q. Is GST applicable?
A. Yes, 18% GST applies.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
6LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
Applicants must be between 18 and 70 years of age. The minimum annual income is ₹6 LPA for both salar...
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Applicants must be between 18 and 70 years of age. The minimum annual income is ₹6 LPA for both salar...
Applicants must be between 18 and 70 years of age. The minimum annual income is ₹6 LPA for both salaried and self-employed (₹50,000 monthly).
A CIBIL score of 750 or above is required. Axis Bank also considers credit behaviour and payment history.
You must be a resident Indian citizen with valid PAN, Aadhaar, and address proof.
View FAQ
Commonly Asked Questions
Q. What is the minimum income?
A. ₹6 LPA for both salaried and self-employed.
Q. What CIBIL score is needed?
A. 750 or above.
Q. Can 18-year-olds apply?
A. Yes, the minimum age is 18, among the lowest in India.
Q. Can senior citizens apply?
A. Yes, the age limit of 70 makes this accessible to senior professionals.
All Card Benefits
- Enjoy Priority Pass membership for 6 complimentary visits to 1,200+ international airport lounges per anniversary year, plus 6 additional visits on ₹3 lakh spend in the same year
- Get 2 complimentary domestic airport lounge visits per quarter, subject to minimum eligible spend of ₹50,000 in the previous 3 calendar months
- Get 100% discount on the second movie ticket booked via the District app, up to ₹250 off per transaction, twice a month
- Save with flat ₹500 off on BigBasket (min ₹2,500, once a month), flat ₹200 off on Swiggy (min ₹1,000, twice a month), and Wednesday Delight offers on MakeMyTrip, Swiggy and Tira
- Unlock 6 + 6 complimentary Golf rounds per anniversary year (6 additional on ₹3 lakh spend), plus earn 5,000 EDGE REWARD Points on ₹3 lakh spend and a complete annual fee waiver on ₹8 lakh spend
The Axis Select focuses on lifestyle benefits: Priority Pass, movie BOGO, dining discounts, and a str...
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The Axis Select focuses on lifestyle benefits: Priority Pass, movie BOGO, dining discounts, and a str...
The Axis Select focuses on lifestyle benefits: Priority Pass, movie BOGO, dining discounts, and a strong welcome bonus.
Welcome benefit is 10,000 EDGE Reward Points (worth ₹2,000) upon card activation. This is a fixed bonus that partially offsets the ₹3,000 joining fee.
Travel benefits include complimentary Priority Pass membership with 4 international airport lounge visits per year. Subsequent visits are charged at the standard Priority Pass rate. Domestic lounge access is not specified in the card source.
Movie benefits are the standout perk: 1 complimentary buy-one-get-one (BOGO) movie ticket per month via BookMyShow, capped at ₹500 per transaction. So 12 BOGO tickets annually save up to ₹500 each, totalling ₹6,000 in annual movie discounts.
Dining benefits include 25% off (max ₹500 per visit) at over 4,000 partner restaurants via Axis Bank Dining Delights on EazyDiner. Valid 4 times per month, with minimum order of ₹2,500. So 48 dining visits annually save up to ₹500 each, totalling up to ₹24,000 in annual dining savings (though most users use this 8-12 times annually for ₹4,000-₹6,000 in practical savings).
The forex markup is 1.50%, among the lowest in the Indian credit card market. For a user spending ₹50,000 annually on international transactions, this saves ₹1,000 compared to a 3.5% forex card. Note this rate applies on most international transactions including those charged in Indian rupees abroad.
The card earns standard EDGE Reward Points on retail spending. There is no accelerated category rewards or milestone bonuses on this card.
Fuel surcharge waiver is 1% on transactions between ₹400 and ₹4,000, applicable across all fuel networks in India.
View FAQ
Commonly Asked Questions
Q. How does Priority Pass work on this card?
A. Complimentary Priority Pass membership with 4 international airport lounge visits per year. Subsequent visits are charged at Priority Pass rates.
Q. What is the movie BOGO benefit?
A. 1 complimentary buy-one-get-one movie ticket per month via BookMyShow, capped at ₹500 per transaction.
Q. What is the dining discount?
A. 25% off (max ₹500 per visit) at 4,000+ partner restaurants via EazyDiner, valid 4 times per month with ₹2,500 minimum order.
Q. What is the forex markup?
A. 1.50% on most international transactions, among the lowest in India.
Q. Are there milestone rewards?
A. No, this card does not offer milestone bonuses or accelerated category rewards.
Q. Is there a fuel surcharge waiver?
A. Yes, 1% on transactions between ₹400 and ₹4,000.
Q. Does this card offer accident insurance?
A. The card includes standard credit card protections; check the MITC for specific insurance details.
Milestone Benefits
5000 reward points(Worth ~ ₹1,250)
Spend ₹3,00,000 in 365 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 reward point = ₹0.25
Redemption Options
- EDGE REWARDS
To check redemption catalogue
EDGE Reward Points are redeemed through the Axis EDGE Rewards portal at edgerewards.axisbank.in or th...
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EDGE Reward Points are redeemed through the Axis EDGE Rewards portal at edgerewards.axisbank.in or th...
EDGE Reward Points are redeemed through the Axis EDGE Rewards portal at edgerewards.axisbank.in or the Axis Mobile app.
1 EDGE Reward Point ≈ ₹0.20 across the EDGE catalogue. You can redeem for e-vouchers, products, travel bookings, and partner airline transfers.
Reward redemption fee may apply per redemption (check current MITC).
View FAQ
Commonly Asked Questions
Q. What is the redemption value?
A. Approximately ₹0.20 per EDGE Reward Point.
Q. Is there a redemption fee?
A. Check the current MITC for redemption fee details.
Q. Can I transfer points to airline miles?
A. Yes, points-to-miles transfers are available via the EDGE Rewards portal.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Axis Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Axis Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
EMI Spends
Wallet Loads
Jewellery Purchases
Cash Advances
Payment of outstanding balances
Bank Charges & Fees
Rent Payment
Government-related Transactions
Insurance Payments
Education Spends
Utility Bill Payments
For Spends Waiver
Fuel Spends
EMI Spends
Wallet Loads
Jewellery Purchases
Cash Advances
Payment of outstanding balances
Bank Charges & Fees
Rent Payment
Government-related Transactions
Insurance Payments
Education Spends
Utility Bill Payments
Excluded categories from EDGE Reward Points typically include utility bill payments, telecom, rent pa...
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Excluded categories from EDGE Reward Points typically include utility bill payments, telecom, rent pa...
Excluded categories from EDGE Reward Points typically include utility bill payments, telecom, rent payment, wallet loads, government-related transactions, insurance payments, jewellery purchases, fuel spends, and education spends.
The lifestyle benefits (movie BOGO, dining discounts, Priority Pass) are independent of the exclusion list and apply regardless of spend category.
Refer to the latest MITC for the full exclusion list.
View FAQ
Commonly Asked Questions
Q. Are utility payments excluded?
A. Yes, utility bill payments are typically excluded from rewards.
Q. Do rent payments earn rewards?
A. No, rent payments are excluded.
Q. Are dining benefits affected by exclusions?
A. No, the EazyDiner dining discount is independent of reward exclusions.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees 3.75% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 55.55% | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge 1% of the transaction amount + GST will be charged on Railway Ticket Purchases | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees A fee of ₹100 is charged for payments made through cheque | ₹100 |
Cash Payment Fees | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹5000 | ₹500 |
| ₹5001 - ₹10000 | ₹750 |
| ₹10001- and above | ₹1200 |
Joining fee ₹3,000 plus GST. Annual fee ₹3,000 plus GST from year two, non-waivable.
Forex markup ...
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Joining fee ₹3,000 plus GST. Annual fee ₹3,000 plus GST from year two, non-waivable. Forex markup ...
Joining fee ₹3,000 plus GST. Annual fee ₹3,000 plus GST from year two, non-waivable.
Forex markup is 1.50% on most international transactions.
APR ranges from 0.71% to 3.85% per month (8.5% to 46.2% per annum).
Cash advance fee is ₹199 per transaction. Reward redemption fee per current MITC.
Railway surcharge is 1% of transaction amount. Rent payment processing charge is 1% of transaction.
Cheque payment charge is not applicable. Cash payment at branch is ₹100 per transaction.
Late payment charges are slab-based: ₹0 below ₹100, ₹100 for ₹101 to ₹500, ₹500 for ₹501 to ₹5,000, ₹700 for ₹5,001 to ₹10,000, and ₹1,000 above ₹10,000. Note: per source, the late payment fee is 7% of the total payment due, with minimum ₹200 and maximum ₹1,000.
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹3,000 + GST |
| Annual Fee | ₹3,000 + GST (non-waivable) |
| Forex Markup | 1.50% |
| APR | 0.71% to 3.85% per month |
| Cash Advance Fee | ₹199 per transaction |
| Reward Redemption Fee | Per current MITC |
| Railway Surcharge | 1% of transaction |
| Rent Payment Charge | 1% of transaction |
| Cheque Payment Charge | Not Applicable |
| Cash Payment at Branch | ₹100 per transaction |
| Late Payment Charges | 7% of due (min ₹200, max ₹1,000) |
View FAQ
Commonly Asked Questions
Q. What is the interest rate?
A. Dynamic, ranging from 0.71% to 3.85% per month (8.5% to 46.2% per annum).
Q. What is the forex markup?
A. 1.50% on most international transactions.
Q. How is the late payment fee calculated?
A. 7% of the total payment due, with minimum ₹200 and maximum ₹1,000.
Q. What is the cash advance fee?
A. ₹199 per transaction.
Q. Is the annual fee really non-waivable?
A. Yes, the ₹3,000 annual fee has no waiver mechanism.
Q. What is the railway surcharge?
A. 1% of transaction amount.
Documents Required
Identity proof: PAN plus Aadhaar, Voter ID, passport, or driving licence. Address proof: Aadhaar, utility bills, rental agreement, passport, or driving licence.
Income proof for salaried: last 3 months' salary slips and 6 months' bank statement. Self-employed: last 2 years' ITR, business bank statement, and proof of business existence.
View FAQ
Commonly Asked Questions
Q. Is PAN mandatory?
A. Yes.
Q. What income proof is needed for salaried?
A. Last 3 months' salary slips and 6 months' bank statement.
Q. What income proof is needed for self-employed?
A. Last 2 years' ITR, business bank statement, and proof of business existence.
Who Should Get This Card?
The Axis Select is built for urban lifestyle users who watch movies regularly, dine out at premium restaurants, and travel internationally occasionally. The combination of movie BOGO, EazyDiner dining discounts, Priority Pass, and 1.50% forex markup creates a focused lifestyle product.
A user watching one movie per month and dining out twice a week at premium restaurants extracts approximately ₹6,000 in movie BOGO + ₹6,000 in dining discounts annually. Add 4 international lounge visits (worth approximately ₹5,000) and ₹500 in forex savings on a typical ₹50,000 international spend, total annual value reaches ₹17,500+.
This card is not the right pick for users seeking accelerated category rewards (consider HDFC Millennia or Axis ACE), heavy travellers wanting unlimited lounges (consider HDFC Diners ClubMiles or Axis Magnus), or pure cashback maximisers. The non-waivable annual fee adds pressure to extract value every year.
Credit Limit and What to Expect
The credit limit depends on income, CIBIL score, and existing obligations. For ₹6 to ₹15 LPA income profiles, typical starting limits range from ₹1,00,000 to ₹3,00,000.
Axis offers enhancements after 6 to 12 months of regular usage. Cash advance limit is usually 20% to 40% of total limit.
View FAQ
Commonly Asked Questions
Q. What credit limit can I expect?
A. ₹1,00,000 to ₹3,00,000 for ₹6 to ₹15 LPA income.
Q. When can I request an increase?
A. After 6 to 12 months of regular usage.
Q. What is the cash advance limit?
A. 20% to 40% of total credit limit.
How to Apply?
Apply through the Axis Bank website, partner platforms like BankKaro, or by visiting any Axis branch.
Online application via axisbank.com is the most common route. Fill in PAN, Aadhaar, employment type, and monthly income. Upload digital copies of identity, address, and income proof.
Axis runs bureau and internal verification. Initial decision in 1 to 3 working days. Physical card dispatched within 7 to 10 working days.
View FAQ
Commonly Asked Questions
Q. Can I apply online?
A. Yes, through Axis Bank, partner platforms, or any Axis branch.
Q. How long does it take?
A. Initial approval in 1 to 3 working days; card dispatched within 7 to 10 working days.
Q. Is video KYC required?
A. Yes, for online applications.
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹1750 Rewards
Top Benefits
12 Complimentary International Lounge Access
visits annually via Priority Pass
Get 10,000 EDGE REWARD Points
on your first transaction within 30 days of card issuance
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