Axis Bank SELECT Credit Card

Axis Bank

A well-rounded mid-premium option with genuinely useful recurring merchant discounts.

priority:lounge domesticpriority:lounge premiumDining rewardspriority:vouchers

₹3,000

Joining fee

₹3,000, waived at ₹8L spend

Annual fee

Waived at Rs 8,00,000 annual spend (official).

3.5%

Forex markup

4.3 / 5

Rating

Eligibility

Estimated minimum income: ₹15,000+/month

Estimated — not officially confirmed by the bank.

Estimated minimum CIBIL score: 730+

Estimated — not officially confirmed by the bank.

Age: 18–70

Minimum net annual income Rs 6 lakh (aggregator-sourced, CardInsider, not independently confirmed officially).

Key features

Reward details

10 EDGE Points per Rs 200 on retail spend beyond Rs 20,000/month (~1% effective rate)

20 EDGE Points per Rs 200 (~2% effective rate) on Retail spends up to Rs 20,000/month — Rs 20,000/month

Redemption

1 EDGE Point ~= Rs 0.20 for catalogue vouchers/products.

Ratio: transferable to airline/hotel partners at 5:1 or 10:1 depending on partner

Excluded from rewards: fuel, insurance, gold, government services, education, utilities, wallet transactions

6 complimentary golf rounds/year, plus 6 additional (12 total) if Rs 3 lakh is spent in the year (aggregator-sourced).
Strong insurance coverage including travel accident and purchase protection (aggregator praise).

Real-world feedback

Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.

Praise

Comprehensive lifestyle benefits package; strong insurance coverage including travel accident and purchase protection — CardInsider

Complaints

Benefits described as decreasing over time — e.g. a bundled Swiggy discount's minimum spend requirement rose from Rs 500 to Rs 1,000; users reported missing lounge availability at some airports (Kochi cited); general devaluation concerns raised by long-term cardholders — CardInsider

Sources