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Axis Bank Select Credit Card

Axis Bank Select Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Axis Bank Mastercard Premium

Join / Annual

₹0/₹3000

Base Rate

5.0%

Reward Type

Points

Overview

The Axis Bank Select Credit Card is a Premium credit card issued by Axis Bank on the Mastercard network. It offers a base reward rate of 5.0% on all spends, with rewards issued as Points(1 pt = ₹0.2).

Annual Fee: ₹3,000
Eligibility: Minimum annual income of ₹6 Lakhs.

Reward Rates & Cashback Rules

  • CATEGORY – Retail Shopping: 10.0% cashback | monthly cap ₹200.0 ⚠️ Accelerated rate applies on spends up to ₹20,000 per month. Base rate applies thereafter.
  • MERCHANT – Swiggy: 20.0% cashback (capped ₹200.0/txn) | monthly cap ₹400.0 ⚠️ Offer valid twice per month.
  • MERCHANT – BigBasket: 20.0% cashback (capped ₹500.0/txn) | monthly cap ₹500.0 ⚠️ Offer valid once per month.
  • CATEGORY – Movies: 50.0% cashback (capped ₹250.0/txn) | monthly cap ₹500.0 | via District app ⚠️ Buy One Get One offer, up to ₹250 off on the second ticket. Valid twice a month.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Insurance: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Education: 0.0% cashback
  • CATEGORY – Utilities: 0.0% cashback
  • CATEGORY – Government Services: 0.0% cashback
  • CATEGORY – Jewellery: 0.0% cashback

Key Features & Benefits

  • Welcome Benefit 🎁: 10,000 EDGE reward points (worth ₹2,000) on the first transaction made within 30 days of card issuance.
  • Airport Lounge Access ✈️: 6 complimentary international lounge visits per year (Priority Pass) and 2 complimentary domestic lounge visits per quarter (spend ₹50,000 in previous 3 months).
  • Milestone Benefit 🏆: 5,000 bonus EDGE reward points on achieving annual spends of ₹3 Lakhs.
  • Golf Privileges ⛳: 6 complimentary golf rounds per year at select courses in India.
  • Food Delivery Offers 🍔: ₹200 off on Swiggy twice a month (min order ₹1000) and ₹500 off on BigBasket once a month (min order ₹2500).

Eligibility Criteria

Minimum annual income of ₹6 Lakhs.

Features & Benefits

🎁

Welcome Benefit

10,000 EDGE reward points (worth ₹2,000) on the first transaction made within 30 days of card issuance.

✈️

Airport Lounge Access

6 complimentary international lounge visits per year (Priority Pass) and 2 complimentary domestic lounge visits per quarter (spend ₹50,000 in previous 3 months).

🏆

Milestone Benefit

5,000 bonus EDGE reward points on achieving annual spends of ₹3 Lakhs.

⛳

Golf Privileges

6 complimentary golf rounds per year at select courses in India.

🍔

Food Delivery Offers

₹200 off on Swiggy twice a month (min order ₹1000) and ₹500 off on BigBasket once a month (min order ₹2500).

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Retail Shopping
Reward: 10.0% Monthly Cap: ₹200.0
⚠️ Exceptions: Accelerated rate applies on spends up to ₹20,000 per month. Base rate applies thereafter.
10%
Swiggy
Reward: 20.0% Monthly Cap: ₹400.0 Min Spend: ₹1000.0 Max per TX: ₹200.0
⚠️ Exceptions: Offer valid twice per month.
20%
BigBasket
Reward: 20.0% Monthly Cap: ₹500.0 Min Spend: ₹2500.0 Max per TX: ₹500.0
⚠️ Exceptions: Offer valid once per month.
20%
Movies Via District app
Reward: 50.0% Monthly Cap: ₹500.0 Max per TX: ₹250.0
⚠️ Exceptions: Buy One Get One offer, up to ₹250 off on the second ticket. Valid twice a month.
50%
Fuel Exclusion
Insurance Exclusion
Rent Exclusion
Education Exclusion
Utilities Exclusion
Government Services Exclusion
Jewelry Exclusion

Value Chart

Assuming basic spends for Axis Bank Select Credit Card

Category Axis Bank Select Credit Card Axis Bank Magnus Credit Card
₹
Joining Fee 		₹0 ₹0
₹
Annual Fee 		₹3000 ₹12500
🌍
Forex Markup 		3.5% 3.5%
%
Base Rate 		5.0% 6.0%
★
Known Rules 		11 rules 8 rules

Pros & Cons

✓

Pros

  • + Retail Shopping — 10.0% Points (cap ₹200.0)
  • + Swiggy — 20.0% Points (cap ₹400.0)
  • + BigBasket — 20.0% Points (cap ₹500.0)
  • + Movies — 50.0% Points (cap ₹500.0)
  • + Welcome Benefit
  • + Airport Lounge Access
  • + Milestone Benefit
  • + Golf Privileges
✗

Cons

  • − No reward on Fuel
  • − No reward on Insurance
  • − No reward on Rent
  • − No reward on Education
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹15000

Annual Fee

₹3000

Net Value

+₹12000

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › High spenders who can offset the annual fee through rewards
  • › Frequent flyers who value unlimited airport lounge access
  • › Travellers who use hotel & lifestyle benefits regularly

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The annual fee is ₹3,000 + GST. This fee is waived for the next year if you spend ₹8 Lakhs or more in the current card anniversary year.

1 Axis EDGE reward point is valued at ₹0.20 when redeemed. The base earning rate is 10 points for every ₹200 spent, which is equivalent to 5 points per ₹100.

Cardholders get 6 complimentary international lounge visits annually with a Priority Pass membership. They also get 2 complimentary domestic lounge visits per quarter, provided they have spent at least ₹50,000 in the previous three months.

Yes, reward points are not earned on several categories, including fuel, insurance, rent payments, educational services, utilities, and government-related transactions.

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