Axis SELECT Credit Card Review (2026)
Axis's premium all-rounder. 4x on everything, 10x on dining and travel, with solid lounge access and quarterly milestones.
Last updated: 2026-03-22· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹3,000 |
| Joining Fee | ₹3,000 |
| Fee Waiver | Spend 3L in a year |
| Income Required | ₹12L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: Axis EDGE Reward Points
Milestone Benefits
2,500 bonus EDGE points on spending 2L in a quarter
Lounge Access
Our Review
The SELECT competes directly with HDFC Regalia and ICICI Sapphiro in the premium card space. Its edge is the 10x on dining and travel categories — if you eat out frequently and travel for work, these accelerated rates can significantly outperform Regalia's flat 4x. The quarterly milestones (2L/quarter for 2,500 points) are more frequent and achievable than annual milestones on competing cards. The 8x on international spends is a nice bonus. The main risk factor with any Axis card is EDGE point devaluation — Axis has a track record of changing the goalposts. If you trust the current valuations and your spending aligns with dining and travel, SELECT edges ahead of Regalia.
Pros & Cons
Pros
- + 10x on dining and travel — excellent accelerated categories
- + 8x on international spends — good for foreign transactions
- + Quarterly milestones at achievable 2L/quarter threshold
- + 12 domestic + 4 international lounge visits
Cons
- - No fee waiver below 3L spend — must hit the threshold
- - EDGE point devaluations can erode value
- - 3,000 fee is higher than HDFC Regalia's 2,500 for similar specs
- - International lounge cap (4) is lower than competitors
Best For
Frequently Asked Questions
Is the Axis SELECT Credit Card worth it in 2026?
It depends on your spending. The Axis SELECT Credit Card costs ₹3,000/year (waiver: Spend 3L in a year). With an effective base return of 1.4%, you'd need to spend approximately ₹2.1L per year just to break even on the fee. If your annual spend exceeds that, the card earns you money.
What is the Axis SELECT Credit Card annual fee?
The Axis SELECT Credit Card has an annual fee of ₹3,000. Joining fee is also ₹3,000. Fee waiver: Spend 3L in a year.
What is the minimum salary required for Axis SELECT Credit Card?
The minimum annual income required for the Axis SELECT Credit Card is ₹12L. However, if you have an existing banking relationship with Axis Bank, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on Axis Bank's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.