Axis Bank SELECT Credit Card Review
The Axis Bank SELECT is a premium lifestyle-and-travel card with strong everyday EDGE rewards, lounge access (including Priority Pass), golf and direct shopping discounts. Here is the verified review.
- 20 EDGE points per ₹200 (up to ₹20k/month)
- 10,000-point welcome (₹2,000 value)
- Domestic lounges + Priority Pass (international)
- BigBasket & Swiggy direct discounts; dining via Dining Delights
- Golf (up to 12 rounds/year with spend); purchase protection
- Earn rate halves above ₹20,000/month
- ₹6 lakh income requirement
- Transfer ratios vary (5:1 / 10:1)
- ₹3,000 fee
- Reward value depends on redemption
Fees & rewards
| Item | Detail |
|---|---|
| Joining fee | ₹3,000 |
| Up to ₹20,000/month | 20 EDGE points per ₹200 |
| Above ₹20,000/month | 10 EDGE points per ₹200 |
| Welcome | 10,000 EDGE points (₹2,000) |
| Lounge | Domestic + Priority Pass (international) |
| Golf | Up to 6/year + 6 more on ₹3 lakh spend |
| Transfer | 5:1 (ITC/SpiceJet/AirAsia); 10:1 others |
Eligibility & documents
Age
18 to 70 years
Income
₹6 lakh+ annual
Recommended CIBIL
~750+
Network
Visa
Best for
Mid-to-high spenders wanting lounges & golf
Documents
PAN, Aadhaar, income & address proof
Who this card is for
- Best fit: mid-to-high spenders who want lounges, golf and shopping/dining discounts.
- Skip if: you spend heavily above ₹20k/month (rate halves) or want a lower-fee card.
How to apply & how to cancel
Apply: via axis.bank.in. Cancel: call Axis after clearing dues; transfer/redeem EDGE points first.
Final verdict
The Axis Bank SELECT is a well-rounded premium card — strong EDGE earning up to ₹20k/month, lounges with Priority Pass, golf, and shopping/dining discounts, with a 10,000-point welcome offsetting the ₹3,000 fee. The earn rate halving above ₹20k and the income bar are the main considerations.
Frequently asked questions
How does it reward spends?
20 EDGE points per ₹200 on monthly spends up to ₹20,000, then 10 per ₹200; points transfer to airline/hotel partners.
What is the fee?
₹3,000 joining, with a 10,000-point welcome worth ₹2,000.
What lounge access?
Complimentary domestic lounges plus a Priority Pass membership for international lounges.
Are there golf benefits?
Yes — up to 6 golf rounds a year, plus 6 more on ₹3 lakh of annual spend.
Data current as of June 2026, cross-checked against Axis Bank and aggregators. Confirm current terms on axis.bank.in before applying.