Axis Bank Select Credit Card
CardIQ
Good
Overall score, out of 100 · How this works
- Airport lounge64
- Rewards69
- Sign-up bonus59
- Travel55
Customer reviews
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Pros & cons
What's good
- 10,000 bonus points to start, worth around ₹10,000 at our ₹1-per-point valuation.
- Complimentary airport lounge access (12 visits a year).
- Earns 0.05 points per ₹1 on ATO and government payments, the same rate as everyday spend.
- No fee to add an additional cardholder.
Worth noting
- GST is applicable additionally on all fees as notified by Government of India. Annual fee is ₹3000 (NIL for Burgundy account holders). Complete annual fee waiver on spending ₹8 lakhs in a card anniversary year. First-year joining fee equals annual fee (₹3000). The ₹3,000 annual fee is still toward the top of the market (the median is ₹750).
- Requires a minimum income of ₹6,00,000 a year.
Card details
The basics
- Additional cardholder fee
- ₹0 p.a.
- Card tier
- Signature
- Card type
- Not published
- Card use
- Personal
- Credit limit
- Not published
- Credit rating
- Not published
- Rewards program
- Axis Bank EDGE Rewards
Eligibility
- Instant approval
- Not published
- Joint application
- Not published
- Minimum age
- 18 years old
- Minimum income
- ₹6,00,000 p.a.
- Residency
- India
- Temporary residents
- Not published
Rates & fees
Ongoing interest rates
- Cash advances
- 45.00% p.a.
- Purchases
- 45.00% p.a.
Fees
- Additional cardholder fee
- ₹0
- Annual fee
- ₹3,000 p.a.
- Annual fee (year 2+)
- ₹3,000 p.a.
- Cash advance fee
- 2.5% of the amount
- Foreign transaction fee
- 3.5%
- Late payment fee
- ₹1,300
Repayments
- Interest-free period
- Not published
- Minimum repayment
- Minimum Amount Due (MAD) as per statement
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Earn rate
- Everyday spend
- None
- Bonus categories
- None
- Other purchases
- None
- Overseas spend
- None
- Reduced rate above monthly cap
- None
- Points cap
- Uncapped
- Points expiry
- —
Sign-up bonus
- Bonus spend required
- First transaction to be done within 30 days of card issuance
- Sign-up bonus
- 10,000 points
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
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Browse by card type
Compare the Axis Bank Select Credit Card against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuer
- Axis Bank