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Axis Bank
Axis Bank Select Credit Card
- Joining fee incl. GST
- ₹3,540
- Renewal fee incl. GST
- ₹3,540
- Conditional welcome value
- Up to ₹2,000
- Forex markup
- 3.5%
- Interest p.a.
- 55.55%
- Min income (salaried)
- —
Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. First transaction within 30 days; not applicable on lifetime-free variant
How this card earns
Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.
Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.
What still needs confirmation
- Milestone eligibility changes in October; account anniversary and transition spending not inferred. 5,000-point milestone needs its separate current benefit terms before automatic inclusion.
| Spend category | Reward rate | Reward limit |
|---|---|---|
Selected merchants Only the qualifying merchants or payment route below 20 points per ₹200 on eligible department, grocery, clothing and accessory stores; shared ₹20,000 monthly spend limit, then 10 points per ₹200. Not all offline retail qualifies. | 2% | ₹400 shared reward / monthThen 1% on eligible excess |
Groceries 20 points per ₹200 on eligible department, grocery, clothing and accessory stores; shared ₹20,000 monthly spend limit, then 10 points per ₹200. Not all offline retail qualifies. | 2% | ₹400 shared reward / monthThen 1% on eligible excess |
| Other eligible purchases | 1% | — |
Excluded from ordinary earning: Fuel, Rent, Utilities & bills, Education, Insurance. Specific qualifying offers, if any, are listed above.
Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.
Fees & charges
Spend milestones
| 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. From 1 October 2026 insurance, rent, fuel, educational services, utilities and telecom, wallet, gold and jewellery, government services and gift cards no longer count toward this ₹3,00,000 threshold. | ₹1,000 |
Key benefits
- Airport lounge access — 2/quarter domestic, 6/year international (Six international visits annually, with six additional visits and Priority Pass renewal after ₹3 lakh eligible annual spend. Domestic: two per quarter after ₹50,000 in previous three months. From October 2026, excluded reward categories no longer count toward the ₹3 lakh benefit threshold.)
- 2% comparison value on eligible retail-shopping store categories up to the shared ₹20,000 monthly spending limit; 1% thereafter
- Six international lounge visits, plus six more after the eligible ₹3 lakh spending threshold
- Dining discounts via EazyDiner and Swiggy offers
- Complimentary golf rounds
- Comprehensive travel insurance and purchase protection
- 1% fuel surcharge waiver
What we like
- +Strong ~2% value-back on retail spends (within ₹20k/month cap)
- +Six international lounge visits; six extra require eligible ₹3 lakh spending
- +Dining, golf and purchase-protection benefits
What to watch
- −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
- −Dynamic currency conversion markup rises from 1.5% to 3.5% on 28 August 2026 — decline rupee billing abroad to avoid it and keep the network rate
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American Express Platinum Travel Credit Card
American Express
Best for travel
- Top reward
- 0.5%
- Annual fee
- ₹5,000
- Welcome bonus
- ₹2,500 value
