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Axis Bank

Axis Bank SELECT Credit Card

Shopping

Rewards

4.0/5.0

Paisabazaar Review

1^st Year Fee: ₹3,000* Plus Applicable Taxes

Online Spends

Discount on Swiggy, BigBasket & District apps

Lounge Access

Complimentary lounge access worldwide

Rewards

2X rewards across all retail spends

Updated on December 23, 2025 6:35 pm

Author: Shruti Sharma

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Axis Bank Select Credit Card

About The Card Rewards Program Other Features & Benefits Fees & Charges Things to Know Card Review FAQs

About Axis Select Credit Card

Axis Bank SELECT is a reward-focused credit card offering accelerated (2X) value-back on retail (offline) spends, along with 10 EDGE reward points per Rs. 200 spent across other eligible categories. Retail shopping includes everyday essentials like departmental stores, groceries, apparel, accessories, and more—making it a suitable option for day-to-day spends. Cardholders can also save a significant amount through direct discount at top brands like BigBasket and Swiggy, along with up to 12 international lounge visits annually and a Complimentary Priority Pass membership.

While Axis SELECT Credit Card comes with an impressive earning rate, its reward redemption value is relatively low, with 1 Reward Point (RP) = Rs. 0.20 or 10:1 ratio when converting to an airline or hotel loyalty program. Despite a low redemption rate, the card offers good overall value at a price point of Rs. 3,000, particularly for consumers seeking a mix of rewards, discounts, and travel perks.

Also Read – Best Credit Cards in India 2025

Axis SELECT Rewards Program

Reward Earning

10 Axis EDGE reward points on every Rs. 200 spent¹
2X (20) Axis EDGE reward points per Rs. 200 spent on retail transactions, applicable on cumulative monthly spends of up to Rs. 20,000²

Reward Redemption

Redeem against vouchers and merchandise purchase through Axis Bank’s rewards catalogue (1 RP = Rs. 0.20)
Transfer to airline or hotel loyalty programs (Air India, ITC, SpiceJet, Air Asia) in 5:1 ratio
Transfer to other airline/hotel partners in 10:1 ratio
Miles Transfer Partners are divided into Group A and Group B

While the reward earning rate on Axis SELECT Credit Card is excellent, especially for offline spends (where most cards offer lower rates), a low redemption value (Rs. 0.25) brings down the overall value-back. The card also offers point-to-mile conversion facility but the redemption again stands quite low at 5:1 for select airlines and hotels and 10:1 for others. Even if you choose a brand offering higher redemption value, 20,000 reward points would be worth 4,000 air miles. Moreover, partners are divided into Group A and Group B with capping of 1 Lakh points and 4 Lakh points in a year, respectively, which further restricts redemption flexibility.

Other Features & Benefits

Discount on Top Online Brands

Flat Rs. 500 off in a month on BigBasket on a minimum transaction value of Rs. 2,500
Rs. 200 off, twice a month on a minimum transaction value of Rs. 1,000 on Swiggy³
Buy 1 get 1 movie ticket of up to Rs. 250 on District app, twice a month, via code AXISSELECT

Welcome Benefit

10,000 EDGE reward points worth Rs. 2,000 on the first transaction made within 30 days from the date of card issuance.

Renewal Benefit

BigBasket and Swiggy offer will be applied automatically on renewal fee payment
Additionally, if you spend Rs. 3 Lakh in the preceding year, you can also renew the Priority Pass Membership from the second year onwards

Axis Select: Fees & Charges

Fee Type

Amount

Joining Fee

Rs. 3,000 (Nil for Burgundy clients)

Annual Fee

Rs. 3,000 (Nil for Burgundy clients)

Finance Charges

3.6% per month | 52.86% p.a.

Late Payment Charges

For Statement Balance:
Less than Rs. 500	Nil
From Rs. 501 to Rs. 5,000	Rs. 500
From Rs. 5,001 to Rs. 10,000	Rs. 750
Greater than Rs. 10,000	Rs. 1,200

Rewards Value Back: Axis SELECT vs. HDFC Regalia Gold vs. SBI Card Prime

Here is a detailed comparison of how much you can save using Axis SELECT, HDFC Regalia & SBI Card Prime:

Credit Card	Spend Value to Earn 20,000 Reward Points⁴	Redemption Value of 20,000 Reward Points
Axis SELECT	Rs. 4 Lakh	Product Catalogue = Rs. 4,000 Air Miles (with Club Vistara, Club ITC, SpiceClub and Air Asia) = Rs. 4,000 Air Mile (with other airlines) = Rs. 2,000
HDFC Regalia Gold	Rs. 7.5 Lakh	Products/vouchers from Gold Catalogue = Rs. 13,000 Flights and hotel bookings via SmartBuy = Rs. 10,000 Air Mile Conversion = Rs. 10,000 Product Catalogue = Rs. 7,000 Cashback = Rs. 4,000
SBI Card Prime	Rs. 10 Lakh	Redemption via SBI Card’s Rewards Portal = Rs. 5,000

As seen from the table above, Axis SELECT allows you to accumulate a high number of reward points at a comparatively lower spend value but the redemption value is not as good as HDFC Regalia Gold. Both Axis and HDFC cards give good value on air mile conversion as compared to product purchase via catalogue. If you are a high spender and want to avail travel benefits in exchange of reward points, HDFC Regalia could be a better pick as the redemption value is strong.

Things to Know Before you apply

Get this card if:

You either prefer offline spends or already have a credit card for online spends

You frequently travel within India as well as internationally and would like to avail complimentary lounge visits

You spend on Swiggy and BigBasket every month as discounts on these brands would help you save a lot

You can easily spend Rs. 8 Lakh in a year to avail annual fee waiver

Eligibility Criteria:

Age: 18 to 70 years

Occupation: Salaried or Self-employed

Minimum Income Requirement: Rs. 6 LPA

Paisabazaar Review

Overall Rating

4.0_/5

Travel4.0_/5

Rewards4.0_/5

Dining Benefits3.5_/5

What do we like about this card?

Axis Bank SELECT Credit Card is a highly rewarding option for those who prefer store visits, as they can earn double the rewards on retail shopping. The good part is that the accelerated rewards on retail spends are not limited to one or more categories, as cardholders can earn high rewards across all offline transactions. In addition to this, the card also covers more ground with the discount offer on Swiggy and BigBasket, as these are common everyday spend categories.

Pros

Accelerated (2X) rewards across all retail spends
Direct discount on popular brands like Swiggy, BigBasket & District app
Welcome benefit of 10,000 EDGE reward points worth Rs. 2,000
Additional discount on dining at partner restaurants

Cons

Low reward redemption value against air miles and product catalogue
No reward points on fuel, insurance, gold/jewellery and utility bill payments
High forex markup fee of 3.5%
High annual fee of Rs. 3,000

Conclusion

Axis SELECT is an all-rounder credit card offering benefits across multiple categories, such as offline spends, travel, grocery, dining and more. Cardholders can earn accelerated rewards on retails spends along with discount on Swiggy and BigBasket. In addition, Axis SELECT also offers 6 complimentary international lounge visits and 6 more on reaching annual spends of Rs. 3 Lakh, which is again a great advantage considering the card’s annual fee. What the card lacks on is a good redemption value- catalogue redemption as well as air mile conversion. So, it is easier for the user to accumulate substantial reward points but the value back against those rewards could have been better.

Frequently Asked Questions

Everything you need to know about this credit card

Does Axis Select Credit Card offer lounge access?

Yes, Axis Select Credit Card offers complimentary domestic and international lounge visits. Cardholders receive a complimentary Priority Pass Membership in the first year on completing their first transaction within 30 days of card issuance. This membership includes 6 complimentary international lounge visits annually. Additionally, cardholders can earn 6 more international lounge visits per year by spending Rs. 3 Lakh or more in a year. For domestic lounge access, the card offers 2 complimentary visits per quarter on spending Rs. 50,000 in the previous quarter.

How can I get the renewal fee waived for my Axis Select Credit Card?

Axis Select Credit Card comes with an annual fee of Rs. 3,000. However, cardholders can have this fee waived by spending Rs. 8 Lakh or more in a year, effectively making the card free.

What is the limit for international lounge access on Axis Select Credit Card?

The card offers 6 complimentary international lounge visits annually, provided the cardholder activates the complimentary Priority Pass Membership by making the first transaction within 30 days of card issuance. Cardholders can also earn an additional 6 international lounge visits by spending Rs. 3 Lakh or more in a calendar year, increasing the total to 12 visits annually.

What are the food & grocery benefits of Axis Select Credit Card?

Axis Select Credit Card offers discounts on top brands like Swiggy and BigBasket. Cardholders can save Rs. 500 per month on BigBasket purchases with a minimum transaction value of Rs. 3,000. For Swiggy, the card offers Rs. 200 off twice a month on transactions of Rs. 1,000 or more. Additionally, cardholders can save up to Rs. 800 on dining bills through the Axis Bank Dining Delights Program.

Need More Help?

Footnotes

Rent, Insurance, Fuel, Educational Services, Utilities, Government MCC and Gold/ Jewellery transactions do not earn any reward points.
For monthly spends above Rs. 20,000, cardholders will earn 10 EDGE reward points per Rs. 200 spent.
Use promo code AXIS200 at the checkout.
The calculation is based on the base reward earning rate for each card.

Click here to know More Terms and Conditions

Shruti Sharma

Content Writer

Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.

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Axis Bank SELECT Credit Card

About Axis Select Credit Card

Axis SELECT Rewards Program

Other Features & Benefits

Axis Select: Fees & Charges

Rewards Value Back: Axis SELECT vs. HDFC Regalia Gold vs. SBI Card Prime

Things to Know Before you apply

Get this card if:

Eligibility Criteria:

Paisabazaar Review

Overall Rating

What do we like about this card?

Pros

Cons

Conclusion

Frequently Asked Questions

Does Axis Select Credit Card offer lounge access?

How can I get the renewal fee waived for my Axis Select Credit Card?

What is the limit for international lounge access on Axis Select Credit Card?

What are the food & grocery benefits of Axis Select Credit Card?

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