Verified value
₹0.2 per point
Travel
AXIS VISA
SELECT
Should you get this?
Conditional fit
Why this card
- 2 per quarter domestic + 6 per year international.
- You can comfortably spend ₹8,00,000 a year on the card.
Trade-off
The annual fee (₹3,000) is waived only after ₹8,00,000 of eligible annual spend.
Annual fee ₹3,000 per year
Rewards 5 pts / ₹100
Lounge access 2 domestic (2 per quarter) + 6 intl (6 per year)
Forex markup 3.5% high
Compare with YES Bank Marquee →
Similar lounge profile
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend5 pts / ₹100——
Redemption value
What a Reward Point is worth
- Catalogue₹0.2 / pt
- Travel₹0.2 / pt
Annual fee break-even math
When does this card pay for itself ₹3L
Conservative yearly spend needed at the ₹0.20-per-point ranking floor.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getBase earn
5 points per ₹100 (~1% base (conservative redemption))
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹8,00,000yearAnnual fee waiverextremestrong
Lounge access spend gate₹50,000period not specifiedLounge eligibilitytrivialstrong
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
- Fee waiver requires ₹8,00,000 annual spend.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~2,500 pts/month (base earn · uses base/general earn rate)
- Fee waiver unlikely at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- 2 per quarter — via Axis Bank lounge programme · verified 6 Jul 2026 Condition: ₹50,000 spend (issuer terms apply)
5 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- Axis official page
- Issuer site (verified manually) , opens external site
- Operator config (Axis Select Domestic Quarterly)
- Operator-verified anchor
- International (cardholder)
- 6 per year — via · verified 6 Jul 2026 Requires Priority Pass card · Condition: ₹50,000 spend (issuer terms apply)
5 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- Axis official page
- Issuer site (verified manually) , opens external site
- Operator config (Axis Select Domestic Quarterly)
- Operator-verified anchor
- Guest access
- Guests: paid access
Rewards
- Points per ₹100
- 5 points per ₹100 value depends on redemption
- Effective return (honest floor)
- ~1% base (conservative redemption) · verified 5 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
- Headline point value
- ₹0.20 per Reward Point (Travel) · verified 5 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹3,000
- Joining fee
- ₹3,000 · verified 11 Jun 2026
- Fee waiver spend
- ₹8,00,000 Above catalog median waiver (₹2,00,000 vs ₹8,00,000).
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 3.5%
5 sources agree · verify issuer terms before applying
Where to verify
- Axis official page
- CardInsider
- BankBazaar
- CardExpert
- Issuer site (verified manually) , opens external site
- Issuer site (verify current terms) , opens external site
- Product tier
- Premium
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹4,000.
- Maximum waiver ₹400 per statement cycle.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshLatest update
- Annual fee: ₹3,000.
- Forex markup currently listed at 3.5%.
- 2 per quarter domestic lounge · 6 per year international.
Common questions
From verified card factsIs this good for lounge access?
2 per quarter domestic + 6 per year international. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Fee waiver applies at ₹8,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
A welcome benefit worth ₹2,000 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Learn more
Guides matched to this card — not a random syllabus.
- Priority Pass
Membership, visits and issuer rules - EDGE Rewards
Miles vs points under one programme - Forex markup bands
0% vs 3.5% — which cards publish what