Axis Bank SELECT Credit Card Review
The Axis Bank SELECT is a mid-premium card that mixes reward points with monthly BigBasket and Swiggy discounts, golf and lounge access.
Axis tightened several terms in August–November 2026: tolls and gift cards now earn nothing, Priority Pass no longer works at Indian lounges, and excluded categories stop counting towards the ₹3 lakh milestone.
- 20 EDGE points per ₹200 on retail-store spends (up to ₹20,000 a month)
- ₹500 off BigBasket monthly and ₹200 off Swiggy twice a month
- 10,000 welcome points
- ₹3 lakh milestone adds points, international lounges and golf
- Free for Axis Burgundy customers
- ₹3,000 fee unless you spend ₹8 lakh
- Points worth about ₹0.20 in the catalogue
- Domestic lounges need ₹50,000 spend in the previous quarter
- Priority Pass no longer works at Indian lounges (from 28 Aug 2026)
- Long exclusion list, now including tolls and gift cards
Fees and charges
| Item | Detail |
|---|---|
| Joining / annual fee | ₹3,000 + GST; annual fee waived on ₹8 lakh spend (gift cards excluded); nil for Burgundy account holders |
| Forex markup | 3.5% (also 3.5% on overseas transactions billed in rupees from 28 Aug 2026) |
| Fuel surcharge waiver | 1% on ₹400–₹4,000, up to ₹400 a month |
Rewards: how the card earns
| Spend | EDGE points per ₹200 |
|---|---|
| Retail stores (grocery, department, apparel), up to ₹20,000 a month | 20 |
| Other eligible spends | 10 |
Points are worth about ₹0.20 in the catalogue; transfers to partners are at 5:1 or 10:1 depending on the partner, with annual caps.
What earns nothing
Rent, insurance, fuel, education, utilities, government, gold and jewellery, wallet loads, and (from 28 Aug 2026) gift cards and tolls earn no points. From 1 Oct 2026 these categories no longer count towards the ₹3 lakh milestone.
Other benefits
| Benefit | Detail |
|---|---|
| Welcome | 10,000 EDGE points on the first transaction within 30 days (paid cards) |
| Milestone (₹3 lakh a year) | 5,000 points, 6 extra international lounge visits, 6 extra golf rounds, Priority Pass renewal |
| Domestic lounges | 2 a quarter, after ₹50,000 spend in the previous quarter |
| International lounges | 6 a year via Priority Pass (12 with milestone); not valid in India from 28 Aug 2026 |
| Food and grocery | BigBasket ₹500 off monthly; Swiggy ₹200 off twice a month |
| Movies | District buy-one-get-one, needing ₹25,000 spend in the previous 3 months from 1 Nov 2026 |
Eligibility
Issuer
Axis Bank
Age
18–70
Income
₹6 lakh+ a year
Documents
PAN, Aadhaar, income proof
Who this card is for
- Good fit: regular BigBasket and Swiggy users who spend ₹5–8 lakh a year and travel abroad occasionally.
- Skip if: you want simple cashback or rely on domestic lounge access without a spend condition.
Alternatives worth comparing
Final verdict
Still useful for the monthly BigBasket and Swiggy savings and retail-store points, but the 2026 cuts reduce its lounge value. Worth it mainly for Burgundy customers (free) or steady lifestyle spenders who use the offers every month.
Frequently asked questions
What is the Axis SELECT fee?
₹3,000 + GST, with the annual fee waived on ₹8 lakh spend; Burgundy account holders pay nothing.
How many points does it earn?
10 EDGE points per ₹200, and 20 per ₹200 on retail-store spends up to ₹20,000 a month.
Can I use Priority Pass in India?
No. From 28 August 2026 Priority Pass on this card works only at international lounges.
How do domestic lounges work?
2 visits a quarter, after ₹50,000 spend in the previous quarter.
What changed in 2026?
Tolls and gift cards stopped earning points, Priority Pass became international-only, excluded categories stopped counting towards the milestone and the movie offer gained a spend condition.
Last verified: October 2026, against Axis Bank’s SELECT card T&C and 2026 change notices. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.