Question 1

What is the annual fee on the Axis Bank Select Credit Card and how do you get it waived?

Accepted Answer

The Axis Bank Select Credit Card charges ₹3,000 plus GST as a joining fee and the same ₹3,000 again at renewal. Axis Bank waives the renewal fee if you spend ₹8L in the previous year, which is about ₹66,667 a month. If your card spend sits below that, treat ₹3,000 as a real yearly cost that your rewards have to clear first.

Question 2

What is the reward rate on the Axis Bank Select Credit Card?

Accepted Answer

You earn 20 points per ₹200 on Retail Shopping. Everything else earns 10 points per ₹200. Each point is worth about ₹0.2 when you redeem it well, so ₹10,000 of top category spend gives you 1000 points, roughly ₹200, which is about 2% back. Fuel, Insurance, Wallet, Rent earn nothing at all.

Question 3

Does the Axis Bank Select Credit Card give free airport lounge access?

Accepted Answer

The Axis Bank Select Credit Card gives 8 complimentary domestic lounge visits a year, usually capped at 2 per quarter. International lounge visits are capped at 12 a year. Access is not automatic any more, because you need ₹50,000 of spend in the previous quarter before the visits become available, which is ₹16,667 a month.

Question 4

What changed on the Axis Bank Select Credit Card recently and is it still worth it in 2026?

Accepted Answer

revalued Jun 2025 (movie BOGO, BigBasket MOV cut) but exposed to Apr 2026 portfolio cuts. The changes are dated Jun 2025; Apr 2, 2026. At ₹8L of yearly spend the card returns roughly ₹8,000 at its general rate of about 1%, against a ₹3,000 renewal fee. Keep it if you clear the ₹8L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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Axis Bank Select Credit Card

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