Axis Bank
Axis Bank Select Credit Card
4.4 / 5visa
- Joining fee
- ₹3,000
- Annual fee
- ₹3,000
- Base reward
- 1%
- Min income
- ₹50,000/mo
- Forex markup
- 3.5%
- Interest p.a.
- 55.55%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Everything else | 2% | ₹20,000 |
Benefits
- ▸Up to ~2% value-back on retail spends (20 EDGE points per ₹200, capped ₹20,000/month)
- ▸Priority Pass with up to 12 international lounge visits per year
- ▸Dining discounts via EazyDiner and Swiggy offers
- ▸Complimentary golf rounds
- ▸Comprehensive travel insurance and purchase protection
- ▸1% fuel surcharge waiver
The good
- + Strong ~2% value-back on retail spends (within ₹20k/month cap)
- + Priority Pass with up to 12 international lounge visits per year
- + Dining, golf and purchase-protection benefits
The catch
- − High ₹8 lakh annual spend needed for fee waiver
- − ₹3 lakh spend required to retain Priority Pass renewal
- − No rewards on fuel, utilities, insurance, education or wallet loads
- − Domestic lounge access gated behind ₹50k prior-quarter spend
- − High 3.5% foreign transaction markup