Lifestyle and travel
Axis Bank Select Credit Card
A lifestyle card with monthly BigBasket and Swiggy discounts, movie offers, golf, and lounges in India and abroad.
Joining fee₹3,000 + GST
Annual fee₹3,000 + GST
Fee waiverOn ₹8 lakh spend a year
Top reward2% on retail shopping
LoungeDomestic (spend-based) + 6 international
Forex markup3.5%
Best for: Families who order from BigBasket and Swiggy every month and use the offers.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Grocery, department, clothing stores | 20 points per ₹200 (about 2%) | ₹20,000 spend a month |
| Other spends | 10 points per ₹200 (about 1%) | – |
| Rent, wallet loads, fuel, gold, government, utilities, insurance, education, tolls, gift cards | Nothing | – |
- 1 point = about ₹0.20.
- Points can also be transferred to airline and hotel partners.
Benefits
Welcome benefit
- 10,000 EDGE points (about ₹2,000) on your first transaction within 30 days.
Milestones
- 5,000 points, 6 more international lounge visits and 6 more golf rounds on ₹3 lakh yearly spend.
Travel and lounges
- 2 domestic lounge visits a quarter with ₹50,000 spend in the previous quarter.
- 6 international visits a year with Priority Pass (12 on ₹3 lakh spend).
- 6 golf rounds a year.
Fuel and forex
- Forex markup 3.5%.
- 1% fuel surcharge waiver on ₹400 to ₹4,000, up to ₹400 a cycle.
Other perks
- BigBasket: ₹500 off a month on orders of ₹2,500
- Swiggy: ₹200 off twice a month on orders of ₹1,000
- District movies: second ticket free up to ₹250, twice a month
Fees and charges
| Joining fee | ₹3,000 + GST (₹3,540) |
|---|---|
| Annual fee | ₹3,000 + GST, waived on ₹8 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 18 to 70
- Salaried: ₹6 lakh a year
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Monthly BigBasket and Swiggy savings can cover the fee
- International lounges
- Golf benefits
Watch out for
- High ₹8 lakh fee waiver
- Movie offer needs ₹25,000 spend in 3 months from Nov 2026
- High forex markup
Recent changes
- 1 Nov 2026Movie offer needs ₹25,000 spend in the previous 3 months.
- 28 Aug 2026Priority Pass no longer valid at Indian domestic lounges; tolls stop earning.
Frequently asked questions
Is Axis Select worth it?
If you use the BigBasket and Swiggy offers every month, they alone are worth about ₹10,000 a year, which beats the ₹3,000 fee.
Ready to apply for the Axis Bank Select Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.