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Axis Bank Select Credit Card Review 2026
Up to 12 international Priority Pass lounge visits, 2X on offline retail, BigBasket and Swiggy discounts, and 12 golf rounds — at ₹3,000/year.
3.8
/5
Card24 Score
Rewards 3
Travel 4
Fees 4
Last reviewed May 2026 · Card24.ai editorial team
Annual Fee
₹3,000 + GST*
Rewards
2X EDGE RP on offline retail*
International Lounge
12 Priority Pass visits/year*
Brand Discounts
BigBasket & Swiggy*
Credit Card Verdict Axis Bank Select
What we like
- Up to 12 international Priority Pass lounge visits per year — 6 base + 6 additional on ₹3L annual spend. No other card in India matches this Priority Pass coverage at a ₹3,000 fee
- ₹500 off per month on BigBasket (minimum ₹3,000) and ₹200 off twice per month on Swiggy (minimum ₹1,000) — combined ₹10,800/year in direct grocery and food savings
- 2X EDGE reward points on all offline retail (in-store) transactions — doubles earn for physical shopping across departmental stores, groceries, apparel, and electronics
- 10,000 welcome EDGE RP (worth ₹2,000) on first transaction within 30 days — offsets 67% of the ₹3,000 joining fee immediately
- 12 complimentary golf rounds per year on ₹3L annual spend, plus EazyDiner ₹800 dining discount — lifestyle benefits uncommon at ₹3,000 fee
Watch out for
- Domestic lounge access requires ₹50,000 in the preceding 3 months — 2 visits/quarter only if threshold met. Not automatic
- 1 EDGE RP = ₹0.20 — very low redemption value. Despite 2X on offline retail, the effective reward rate is only 0.2% even at the accelerated tier. No airline miles transfer
- BigBasket discount, additional 6 Priority Pass visits, and Swiggy offer all require ₹3L annual spend to renew — missing the milestone loses significant value
- 3.5% forex markup — not suitable for international spend despite having strong international lounge accessUp to 12 international Priority Pass visits/year (6+6 on ₹3L)
*2X (20 EDGE RP/₹200) on offline retail up to ₹20,000 cumulative monthly spend; 10 EDGE RP/₹200 on all other eligible spends. 1 EDGE RP = ₹0.20 at catalogue redemption. Welcome: 10,000 EDGE RP on first transaction within 30 days (on joining fee realisation). Priority Pass (6 international visits) renewed on ₹3,00,000 annual spend; additional 6 visits also at ₹3L. Domestic lounge: 2/quarter on ₹50,000 preceding quarterly spend. BigBasket + Swiggy offers renewed on ₹3L. Annual fee waived at ₹8L. 3.5% forex. T&Cs apply.
Credit Card Achievers Axis Bank Select
Is Axis Bank Select Credit Card Worth It in 2026?
Yes — specifically for users who order from BigBasket and Swiggy regularly and want solid international lounge access without paying premium card fees. At ₹3,000/year, Axis Select's combination of fixed platform discounts and Priority Pass lounge coverage is difficult to match in its fee bracket.
The math is straightforward: ₹500 BigBasket discount monthly = ₹6,000/year. ₹200 off Swiggy twice monthly = ₹4,800/year. Combined platform savings: ₹10,800/year — more than 3× the ₹3,000 annual fee before a single reward point is counted. Hit ₹3L annual spend and Priority Pass renews with 12 total international lounge visits plus 12 golf rounds and 5,000 bonus EDGE RP (₹1,000 value). At ₹8L, the annual fee is waived entirely.
The one clear limitation: this is a domestic-use card. The 3.5% forex markup makes it expensive for international transactions — a paradox given the strong Priority Pass benefit. For overseas spend, a zero-forex companion is essential. BOBCARD Etihad Guest Premium (0% forex) is the natural partner for Select users who travel internationally and want to earn Etihad miles on the same trips their Priority Pass lounge card gets them into.
The math is straightforward: ₹500 BigBasket discount monthly = ₹6,000/year. ₹200 off Swiggy twice monthly = ₹4,800/year. Combined platform savings: ₹10,800/year — more than 3× the ₹3,000 annual fee before a single reward point is counted. Hit ₹3L annual spend and Priority Pass renews with 12 total international lounge visits plus 12 golf rounds and 5,000 bonus EDGE RP (₹1,000 value). At ₹8L, the annual fee is waived entirely.
The one clear limitation: this is a domestic-use card. The 3.5% forex markup makes it expensive for international transactions — a paradox given the strong Priority Pass benefit. For overseas spend, a zero-forex companion is essential. BOBCARD Etihad Guest Premium (0% forex) is the natural partner for Select users who travel internationally and want to earn Etihad miles on the same trips their Priority Pass lounge card gets them into.
Axis Bank Select is India's best-value ₹3,000 card for grocery, food delivery users and Priority Pass lounge access — ₹10,800 in annual BigBasket + Swiggy savings covers the fee 3× before a single reward point is counted.
Axis Bank Select Credit Card Benefits
How to Get the Most Out of Axis Bank Select Credit Card
Use BigBasket Discount Every Single Month - The ₹500 BigBasket discount (minimum ₹3,000 order) is the single highest fixed-value monthly benefit on this card. Route your entire grocery spend through BigBasket every month without exception. ₹500 × 12 = ₹6,000/year — two full years of grocery savings cover an entire year's ₹3,000 card fee. Set a reminder for the first BigBasket order each month.
Stack Swiggy Discount Twice Every Month - ₹200 off twice a month on Swiggy (minimum ₹1,000 per order, code AXIS200) adds ₹4,800/year. Combine with BigBasket and your total platform savings are ₹10,800/year — 3.6× the annual card fee, before counting a single EDGE reward point. Both discounts reset monthly and require no tracking beyond making the orders.
Hit ₹3L Annual Spend to Unlock Maximum Value - ₹3L annual spend (₹25,000/month) simultaneously triggers: 6 additional Priority Pass international lounge visits (total 12), Priority Pass renewal, BigBasket and Swiggy offer renewals, 5,000 bonus EDGE RP, and 12 golf rounds. Route dining, subscriptions, in-store retail, and eligible bills through Select to cross ₹3L as early in the anniversary year as possible.
Pair With BOBCARD Eterna for Dining + Domestic Lounge - Select's domestic lounge requires ₹50,000 quarterly spend — not guaranteed. BOBCARD Eterna fills this gap: unlimited domestic lounge access on ₹40,000 quarterly spend, plus 5X rewards on dining, travel, and shopping. Running Eterna alongside Select gives you full lounge coverage — international via Select's Priority Pass, domestic via Eterna — with accelerated dining rewards Axis Select cannot match.
Never Use Select for International Transactions - Despite the strong Priority Pass benefit, the 3.5% forex markup makes Axis Select expensive for overseas purchases. Use BOBCARD Etihad Guest Premium (0% forex) for all hotel, restaurant, and shopping transactions abroad — and earn Etihad miles that can be transferred back to your Axis Select earning ecosystem via your travel.
Stack Swiggy Discount Twice Every Month - ₹200 off twice a month on Swiggy (minimum ₹1,000 per order, code AXIS200) adds ₹4,800/year. Combine with BigBasket and your total platform savings are ₹10,800/year — 3.6× the annual card fee, before counting a single EDGE reward point. Both discounts reset monthly and require no tracking beyond making the orders.
Hit ₹3L Annual Spend to Unlock Maximum Value - ₹3L annual spend (₹25,000/month) simultaneously triggers: 6 additional Priority Pass international lounge visits (total 12), Priority Pass renewal, BigBasket and Swiggy offer renewals, 5,000 bonus EDGE RP, and 12 golf rounds. Route dining, subscriptions, in-store retail, and eligible bills through Select to cross ₹3L as early in the anniversary year as possible.
Pair With BOBCARD Eterna for Dining + Domestic Lounge - Select's domestic lounge requires ₹50,000 quarterly spend — not guaranteed. BOBCARD Eterna fills this gap: unlimited domestic lounge access on ₹40,000 quarterly spend, plus 5X rewards on dining, travel, and shopping. Running Eterna alongside Select gives you full lounge coverage — international via Select's Priority Pass, domestic via Eterna — with accelerated dining rewards Axis Select cannot match.
Never Use Select for International Transactions - Despite the strong Priority Pass benefit, the 3.5% forex markup makes Axis Select expensive for overseas purchases. Use BOBCARD Etihad Guest Premium (0% forex) for all hotel, restaurant, and shopping transactions abroad — and earn Etihad miles that can be transferred back to your Axis Select earning ecosystem via your travel.
Axis Bank Select Credit Card Annual Fees
| Joining Fee | ₹3,000 + GST |
| Annual Renewal Fee | ₹3,000 + GST |
| Annual Fee Waiver | Waived on spending ₹8,00,000 in the card anniversary year (~₹66,667/month) |
| Forex Markup | 3.5% on international transactions |
| Finance Charge | 3.6% per month (43.2% per annum) |
| Cash Advance Fee | 2.5% of withdrawal or ₹500, whichever is higher |
| 2X Offline Cap | 2X EDGE RP on offline retail capped at ₹20,000 cumulative monthly offline spend. Beyond ₹20K/month offline, base 10 RP/₹200 applies. |
| Priority Pass | 6 international lounge visits/year base; +6 on ₹3L annual spend (total 12). PP renewed on ₹3L. No separate PP membership fee. |
| Minimum Income | ₹6,00,000 per annum (₹50,000/month) — published Axis Bank minimum for Select |
Axis Bank Select Credit Card Eligibility & Documents
Age 18–70 years
Minimum annual income ₹6,00,000 per annum (₹50,000/month) — published Axis Bank minimum for Axis Select Credit Card
Documents required PAN card · Aadhaar / Passport / Voter ID / Driving Licence · Latest 3 months salary slips + Form 16
Residency Indian resident
Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.
How to Apply for Axis Bank Select Credit Card
The application process is entirely online and takes about 5-7 minutes.
1
Fill the Application - Enter personal details, income, and employment type on this page. Card24.ai forwards your details securely to Axis Bank's system.
2
OTP & KYC - Verify your mobile and complete Aadhaar-based digital KYC. Axis Bank's process typically completes within minutes online.
3
Credit Assessment - Existing Axis Bank customers: decision within hours. New-to-Axis applicants: 24–72 hours.
4
Card Dispatch - Physical card in 5–7 working days. Activate via Axis Mobile app or call 1860 419 5555.
5
Activate Welcome Bonus - Make your first transaction within 30 days to trigger 10,000 EDGE RP (₹2,000 value). Immediately spend ₹3,000 on BigBasket to claim your first ₹500 grocery discount.
*T&C Apply
Frequently Asked Questions
Key benefits: (1) Up to 12 complimentary international Priority Pass lounge visits per year (6 base + 6 on ₹3L spend). (2) ₹500 off monthly on BigBasket (₹6,000/year). (3) ₹200 off twice monthly on Swiggy (₹4,800/year). (4) 2X EDGE RP on offline retail (up to ₹20,000/month). (5) 12 golf rounds on ₹3L annual spend. Annual fee: ₹3,000 (waived at ₹8L).
Two types: (1) International: 6 Priority Pass visits/year base; +6 on ₹3L annual spend = up to 12/year total. Priority Pass covers 1,400+ lounges globally. Renewed on ₹3L annual spend. (2) Domestic: 2 visits/quarter on ₹50,000 in preceding 3 months. No guest access for either.
2X (20 EDGE RP/₹200) on offline retail — capped at ₹20,000 cumulative monthly offline spend. 10 EDGE RP/₹200 on all other eligible spends. 1 EDGE RP = ₹0.20 — effective rate 0.2% at 2X, 0.1% on base. No airline miles transfer partners.
₹3,000 + GST joining and annual fee. Welcome: 10,000 EDGE RP (₹2,000) on first transaction within 30 days offsets 67% of joining fee. Annual renewal waived on ₹8,00,000 annual spend. ₹3,00,000 annual spend renews Priority Pass, BigBasket/Swiggy offers, unlocks 6 additional PP visits and 5,000 bonus RP.
BigBasket: ₹500 off on minimum ₹3,000 purchase, once per month (₹6,000/year). Swiggy: ₹200 off on minimum ₹1,000 order, twice per month (₹4,800/year). Both renewed on ₹3,00,000 annual spend. Combined annual savings: ₹10,800 — more than 3× the ₹3,000 annual fee.