MID-PREMIUM CARD: BEST FOR LIFESTYLE BENEFITS & PARTNER OFFERS

Axis Bank SELECT Credit Card

Axis Bank SELECT Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
2% reward on shopping, on purchases up to ₹20,000 per month
✔︎
BigBasket - ₹500 discount on a minimum order of ₹2500 , once a month
✔︎
​Swiggy - ₹200 discount on a minimum order of ₹1000, twice a month
✔︎
Free movie tickets - 2 per month (up to ₹250 each)
✔︎
International airport lounge access – 12 times per year
✔︎
Domestic airport lounge access – 2 times per quarter (quarterly card spend of ₹50,000 required)
✔︎
12 free golf rounds per year - 6 unconditional, additional 6 at ₹3 lakh yearly card spend
Annual Fee

₹3000

Minimum Income

₹6 lakhs per year

Annual Fee Offers
  • Welcome offer: 10,000 EDGE reward points worth ₹2000
  • Renewal offer: Renewal fee waived at ₹8 lakhs annual card spend

2% reward on shopping purchases 

  • 10 EDGE reward points worth ₹2, per ₹100 spent
  • Month spending limit - ₹20,000 per month

1% reward on other card spends

  • 5 EDGE reward points worth ₹1, per ₹100 spent
  • Important exclusions: No reward points on fuel, rent, wallet load, gold/jewellery, EMI, cash advances, education, insurance, utilities, payment of outstanding balances, card fees and other charges.

Milestone benefits at ₹3 lakh annual card spend: 5000 EDGE points worth ₹1000, at ₹3 lakh annual card spend (rent and wallet spends are not included)

Value of reward points (EDGE points)

  • Value: 1 EDGE point = ₹0.20
  • Redemption: Axis Bank rewards platform

Airport lounge access

  • International access through Priority Pass: Up to 12 visits per year - 6 unconditional visits, additional 6 visits at ₹3 lakh annual spending
  • Domestic: 8 visits per year, maximum 2 times per quarter (requires ₹50,000 spending in the previous quarter)

Grocery & Dining offers

  • BigBasket: ₹500 discount once a month, on a minimum order of ₹2500
  • Swiggy: ₹200 discount twice a month, on a minimum order of ₹1000
  • EazyDiner restaurants: 15% discount (up to ₹500), once a month; minimum transaction of ₹2500 required

Movies & golf

  • 2 free movie tickets per month (up to ₹250 each), through District app
  • Up to 12 free golf rounds per year: 6 unconditional, additional 6 rounds at ₹3 lakh yearly card spend

Fuel surcharge waiver up to ₹400 per month, valid only on fuel transactions between ₹400 and ₹4000

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Benefits

  • Good lifestyle benefits (airport lounges and golf), free movie tickets and partner specific programs with BigBasket, Swiggy and Eazydiner.
  • Decent rewards on offline shopping (unlike most cards which excel on online rewards only) 

Drawbacks to consider

  • High annual spending requirement for annual fee waivers  
  • Spending requirements to unlock lounge access
  • Reward rate on card spending is comparatively low, especially on travel spends

To read the full review of the card , please click here

SUPER PREMIUM CARD, WITH DIVERSE LIFESTYLE BENEFITS

Axis Bank Reserve Credit Card

Axis Bank Reserve Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
✔︎
Unlimited domestic & international airport lounge access
✔︎
Free golf rounds - 50 per year
✔︎
Free movie tickets - 5 per month (up to ₹500 each)
✔︎
Free memberships - EazyDiner Prime, Club ITC Culinaire, Accor Plus, Club Marriott
✔︎
15% hotel discounts - Oberoi, Trident, Postcard
Annual Fee

₹50000

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer: 15000 reward points worth ₹3000
  • Renewal offer: Annual fee waived at ₹35 lakh annual card spend | Renewal of complimentary memberships

Unlimited airport lounge access

  • Domestic: Unlimited visits for primary + add-on cardholders + 12 guest visits annually
  • International: Unlimited visits for primary + add-on cardholders + 12 guest visits annually

Golf & entertainment

  • Golf: 50 complimentary rounds annually
  • Movies: 5 free tickets monthly via BookMyShow BOGO (up to ₹500 each)
  • Events: 5 free non-movie tickets monthly via BookMyShow BOGO (up to ₹1,000 each)

Premium memberships (complimentary)

  • EazyDiner Prime: Restaurant discounts and privileges
  • Club ITC Culinaire: Culinary experiences and benefits
  • Accor Plus: Hotel benefits across Accor properties
  • Club Marriott Asia Pacific: Marriott hotel privileges

15% discount on hotels: Oberoi, Trident Hotels, Postcard Hotels

Reduced forex fee of 1.5%

Fuel & insurance

  • Fuel surcharge waiver: Up to ₹400 monthly (on transactions between ₹400-₹4,000)
  • Purchase protection: ₹2 lakh coverage
  • Travel insurance: USD 500 baggage/document coverage
  • Credit shield: ₹5 lakh coverage

1.5%-3% reward on domestic spending

  • Cash-equivalent: 7.5 EDGE points per ₹100 = ₹1.50 value (1 point = ₹0.20, on Axis rewards redemption portal)
  • Travel partner transfers: 7.5 EDGE points = 3 partner points = 3% value (1 point = 0.40 airline/ hotel partner points)

3%-6% reward on international spending

  • Cash-equivalent: 15 EDGE points per ₹100 = ₹3 value
  • Travel partner transfers: 15 EDGE points = 6 partner points = 6% value

Important exclusions (no rewards)

  • Gold/jewelry, wallets, government, insurance, fuel, utilities
  • Card fees, rent above ₹1 lakh monthly
  • Rent rewards capped at ₹1 lakh monthly payments

Important travel transfer partners

Airlines

  • AirAsia, Air Canada, Air France-KLM, Ethiopian, Etihad, JAL
  • Qantas, Qatar Airways, Singapore Airlines, SpiceJet, Thai Airways
  • Turkish Airlines, United Airlines, Vistara

Hotels

  • Accor, ITC, IHG Hotels & Resorts, Marriott International, Wyndham

Transfer Ratio: 5 EDGE points = 2 partner points (1 EDGE point = 0.40 partner point)

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Benefits

  • World class benefits like unlimited complimentary lounge access both in India and abroad, a range of complimentary memberships, exclusive hotel discounts
  • Higher reward on international spends, and lower forex fee on international card transactions

Drawbacks to consider

  • High annual fee, which is waived only at ₹35 lakh annual card spend
  • Reward rate on card spending is comparatively low

To read the full review of the card , please click here
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