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Axis Bank

Axis Bank Select Credit Card

4.4

Lounge access

How this card earns

Reward rates by category, with caps and an estimated yearly value.

Spend category	Reward rate	Monthly cap	Est. value/yr
Everything else Accelerated 20 EDGE points per ₹200 on retail/offline spends up to ₹20,000/month (1 EDGE point ≈ ₹0.20, so 20 pts/₹200 = ~2% value-back). Above the cap and on other categories: 10 pts/₹200 = ~1%. No points on fuel, insurance, gold, government, education, utilities, wallet loads.	2%	₹20,000	₹2,400
All other spends	1%	—	₹1,200

Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.

Joining fee₹3,000

Annual fee₹3,000

Annual fee waiverAnnual fee reversed on spends of ₹8,00,000 in the preceding card anniversary year

Foreign currency markup3.5%

Finance charge (p.a.)55.55%

Fuel surcharge waiver1%, up to ₹400/mo

Annual spend	Benefit	Value
₹3,00,000	5,000 bonus EDGE Reward Points (≈₹1,000 at ₹0.20/point) plus Priority Pass renewal on ₹3,00,000 annual spend	₹1,000

Airport lounge access — 2/quarter domestic, 12/year international (Domestic lounge gated by ₹50,000 spend in the prior 3 months; international via Priority Pass (renewal needs ₹3 lakh annual spend))
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