Axis Bank Select Credit Card

Axis Bank SELECT Credit Card


Joining Fee: Rs 3000+GST / LTF
Annual Fee: Rs 3000+GST / LTF




1% to 2%



Payment Network



Milestone Rewards, Domestic Airport Lounge Access, International Airport Lounge Access, Fuel Surcharge Waiver

Before Magnus Burgundy came in, there was Axis Bank Select credit card. For Burgundy banking customers, the Axis Bank Select credit card is issued as a complimentary offering without joining and annual fee. But, you can get the Axis Select even if you are not a Burgundy customer. It comes with a joining and annual fee of Rs 3000+GST. We can get the annual fee waiver on spends of Rs 6 Lakh in a membership year. The card offers 10 to 20 EDGE RP on spends along with a milestone benefit. Other benefits of the Axis Select include domestic and international airport lounge access, EazyDiner discount offer and a fuel surcharge waiver.


Joining FeeRs 3000+GST / Zero for Burgundy
Welcome BenefitRs 2000 worth of EDGE RP on first transaction within 90 days
Annual FeeRs 3000+GST / Zero for Burgundy
Annual Fee WaiverRs 8 Lakh Spend
Axis Bank Select Credit Card Review: Fees


Spend CategoryRewards
Retail Spends20 EDGE RP/Rs 200 ~2% value
Other Spends10 EDGE RP/Rs 200 ~1% value
Fuel, Wallet, Rent, Insurance, Education, Gold/Jewellery, Govt. Services, UtilitiesNo Rewards
Axis Bank Select Credit Card Review: Rewards
  • Retail spends are identified based on MCC and include departmental stores (5311), grocery stores (5411), clothing and accessory stores (5611), women’s wear stores (5621), children’s wear stores (5641), family clothing stores (5691), miscellaneous apparel and accessory stores (5699)

Milestone Rewards

  • 5000 EDGE RP on Rs 3 Lakh spend ~0.3% return
  • Spends in fuel, wallet, rent, education, government services, utilities, gold/jewellery and insurance are not counted as eligible spends for milestone benefits

Other Key Benefits and Offers

Axis Bank Select credit card’s BigBasket and Swiggy offers used to be one the best in the industry but these are now devalued.

LTF IndusInd Bank Credit Cards
  • BigBasket: Rs 500 discount on minimum purchase of Rs 3000. Valid once/month.
  • Swiggy: Rs 200 discount on minimum purchase of Rs 1000. Valid twice/month.
  • Fuel Surcharge Waiver: 1% surcharge waiver for fuel purchases from Rs 400 to Rs 4000. Maximum waiver of Rs 400/statement cycle.
  • Golf Rounds: 6 complimentary rounds/year every financial year (April to March)
  • Foreign Currency Markup: 3.5%+GST ~4.13%

Complimentary Airport Lounge Access

  • Airport Lounge Access in India: 8 visits/year
  • Airport Lounge Access outside India: 6 visits/year. The complimentary Priority Pass will be renewed every year provided spends are more than Rs 3 Lakh in the previous membership year.

Axis Bank Select credit card offers 8 complimentary airport lounge visits in India per calendar year. So, if you are an occasional domestic traveller this card can help you with lounge access. The list of participating lounges is limited to a few cities – Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, and Pune. The details are available over here.

We also have a minimum spends requirement to get complimentary airport lounge access. We now need spends of Rs 50,000 over a rolling period of last 3 calendar months to get complimentary airport lounge access. For example, if you need to access the airport lounge on 10th of March, then you should have spent Rs 50,000 in the period from 1st of December to 28th of February.

Axis Bank Select Credit Card: EazyDiner Offer

Axis Bank Dining Delights EazyDiner Offer - Axis Bank Vistara Credit Card

The Axis Bank Select credit card also gets access to the Dining Delights offers with EazyDiner.

LTF IDFC First Bank Credit Cards
  • Get 20% off up to Rs 500 at EazyDiner partner restaurants
  • Valid once per card per month

Final Thoughts

The latest round of devaluations in Axis Bank credit cards has hit all cards including the Select. If you are Burgundy customer, this card is still LTF for you. But, it is not worth taking the Select credit card for a fee especially from the second year onwards. The 1% to 2% return on spends is average and can be achieved even with cashback credit cards like SBI Cashback and Amazon Pay ICICI Bank credit card with an annual fee of less than Rs 1000.

The increasing list of categories not eligible for EDGE Rewards and milestone benefits makes it very difficult to use this card for day to day spends. We wish Axis Bank had instead opted to put max caps on rewards for some categories instead of completely removing rewards on them. For a Rs 3000 annual fee card with low rewards, it is also disappointing to see airport lounge access with spends criteria! Add to that, the annual fee waiver spends are set really high at Rs 8 Lakh spends.

Frequently Asked Questions

Axis Bank Select Credit Card

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