What is the annual fee for Axis Bank Select Credit Card?

The annual fee is ₹3,000, with an identical joining fee of ₹3,000. However, Axis Bank waives both fees if you spend ₹8 lakh or more in a calendar year, making it effectively free for high-volume spenders.

How to apply for Axis Bank Select Credit Card?

You can apply online through Axis Bank's website, their mobile app, or visit a nearby Axis Bank branch. Ensure you meet the eligibility criteria and have required documents (ID proof, address proof, income proof) ready before applying.

What rewards does Axis Bank Select Credit Card offer?

This card earns 5% EDGE REWARD Points on all purchases. You'll also receive 10,000 welcome points (worth ₹2,000) on your first transaction, which can be redeemed against statement balances or partner redemptions.

What are the eligibility criteria for Axis Bank Select Credit Card?

Specific eligibility criteria are not detailed in the card specifications. Generally, premium cards require a minimum annual income and good credit score — contact Axis Bank directly or check their website for exact requirements.

Does Axis Bank Select Credit Card offer airport lounge access?

Yes, this card includes 8 complimentary domestic lounge visits per year and Priority Pass membership, providing added travel convenience and comfort on domestic flights.

Is Axis Bank Select Credit Card worth it?

It's worthwhile if you spend ₹8 lakh+ annually, as the fee gets waived and you earn substantial rewards. The 5% return rate and lounge benefits make it attractive for premium lifestyle spenders, though forex markup of 3.5% applies to international purchases.

Credit Cards

PremiumPremiumVisa

Axis Bank Select Credit Card

Premium rewards and lounge access for high spenders

Annual fee₹3,000Waived on ₹8.0L spend

Rewards2.50%5 EDGE REWARD Point per ₹200

Forex markup3.5%3.50% of the transaction value

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Welcome benefits

worth ₹2,000

10,000 EDGE REWARD Points worth ₹2000 on first transaction

Type: Reward Points
Trigger: within 30 days

Rewards

Base earn rate

Earn 10 Axis EDGE points on every ₹200 spent

EDGE REWARDS

Excludes: Insurance, Rent, Fuel, Educational Services, Utilities, Telecom, Wallet, Gold, Jewellery, Government Services

Category	Rate	Cap
Retail Shopping	—	Earn 2X EDGE REWARD Points upto cumulative transactions of ₹20,000 per month. For transaction above 20,000 per month earn 10 EDGE REWARD Points

• Redemption fee: ₹99

Milestone benefits

5000 EDGE REWARD points on spending 3 lakhs in a card anniversary year. Complete annual fee waiver on spending of ₹8 lakhs in a card anniversary year. Spends threshold for 5000 EDGE points and Annual fee waiver will exclude Insurance, rent, fuel, educational services, utilities & telecom, government services, wallet & Gold. Priority Pass membership renewal on annual spend of ₹3 lakh. Renewal of offers on: BigBasket and Swiggy Unlock additional 6 complimentary golf rounds wihin the same anniversary year on achieving the spends of ₹3 Lakhs in that anniversary year, the validity for the same will be current anniversary year.

Lounge access

Domestic

8visits / year

Max 2 per quarter
Requires ₹50,000 prior spend

International

Priority Pass

12complimentary visits

Fees & charges

Joining fee: ₹3000 (NIL for Burgundy)
Annual / renewal fee: ₹3000 (NIL for Burgundy)
Annual fee waiver: Complete annual fee waiver on spending of ₹8 lakhs in a card anniversary year
Add-on card fee: Nil
Interest rate: 3.75% p.m. (45.00% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5% (Min. ₹ 500) of cash Amount
Overlimit fee: 2.5% of the overlimit amount (Min. ₹500)
Payment dishonour: ₹500
Forex markup: 3.50% of the transaction value
DCC markup: 1.50%
Rent payment fee: 1% (w.e.f. Jul 2025)
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹4000 txns, max ₹400/cycle

Late payment

Nil if Total Payment Due is up to ₹500 ₹500 if total payment due is between ₹501 - ₹5,000 ₹750 if total payment due is between ₹5,001 - ₹10,000 ₹1200 if total payment due is greater than ₹10,000 Additional ₹100 on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be applicable for every payment cycle until MAD is cleared.

View official MITC →

Insurance covers

Purchase protection

₹1L

Baggage loss

₹500

Eligibility

Income (salaried): ₹6 lakhs per annum
Age: 18–70 years

Features

✓ International usage✓ Concierge service

Additional features

Extraordinary weekends - Explore curated experiences designed exclusively for our premium customers
BigBasket Offers - Flat 500 off p.m. on minimum purchase of ₹2500 on BigBasket mobile app/website
Swiggy Offers - Flat ₹200 off on Swiggy mobile app/website, Valid twice a month on minimum transaction of ₹1000 per order
Wednesday Delight - Beat the mid-week blues with exciting offers every Wednesday. Instant savings of up to 15% on flights & hotels via MakeMyTrip, 10% off on orders via Swiggy, 10% off upto ₹1000 on Tira

No rewards on

Insurance · Rent · Fuel · Educational Services · Utilities · Telecom · Wallet · Gold · Jewellery · Government Services