Eligible spend
5 per ₹100 on eligible spend
AXIS VISA
SELECT
Should you get this?
Conditional fit
Why this card
- Published base rewards of 5 EDGE Reward Points / ₹100.
- Published lounge access: 2 domestic (2 per quarter) + 6 intl (6 per year).
Trade-off
The annual fee (₹3,000) is waived only when eligible annual spend exceeds ₹8,00,000.
Annual fee ₹3,000 per year
Rewards 5 EDGE Reward Points / ₹100
Lounge access 2 domestic (2 per quarter) + 6 intl (6 per year)
Forex markup 3.5% high
Compare with AU Small Finance Bank Zenith+ →
Similar lounge profile
What it costs to get, and to keep
Joining vs renewalFirst year
₹3,000joining fee
From year 2
₹3,000renewal fee
Waived above ₹8,00,000 eligible annual spend
Welcome offer
10,000 EDGE Reward Points on first card transaction
10,000 EDGE Reward Points worth ₹2,000
Qualification and fulfilment conditions apply
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend5 EDGE Reward Points / ₹100Credited as reward pointsDoes not earn on Not stated
- fuel
Redemption value
What an EDGE Reward Point is worth
- Catalogue₹0.2 / pt
- Travel₹0.2 / pt
When does this card pay for itself?
Rewards break-even estimate ₹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 getVerified value
₹0.2 per point
Travel
No reward on
- Fuel
Realisation
Credited as reward points
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Annual fee waiver₹8,00,000yearAnnual fee waiver
Domestic lounge spend gate₹50,000quarterLounge eligibility
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
- Fee waiver requires spend above ₹8,00,000 annually.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Up to ~2,500 EDGE Reward Points/month if the entire spend qualifies for base earn · uses base/general earn rate. Excluded transactions earn less.
- Worth ~₹500 at the conservative redemption floor
- 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 in the previous 3 calendar months
Issuer documented · corroborating sources · 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 Requires Priority Pass card
Issuer documented · corroborating sources · 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 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 (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
- Above ₹8,00,000 · verified 3 Sept 2026 Annual fee waived on eligible anniversary-year spend above ₹8,00,000.
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
- Late-payment charge
- ₹750–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.
International Use
- Forex markup
- 3.5%
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
- Product tier
- Premium
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹4,000.
- Maximum waiver ₹400 per month.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshExclusions
These spends do not earn reward points.
Financial
- Fuel
Latest 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 above ₹8,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
10,000 EDGE Reward Points on first card transaction. Included items: 10,000 EDGE Reward Points worth ₹2,000 (10,000 pts) — Upon levy of joining fees and first transaction within 30 days of issuance. 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.
- EDGE Rewards
Miles vs points under one programme - Priority Pass
Membership, visits and issuer rules - Forex markup bands
0% vs 3.5% — which cards publish what