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Side-by-Side Comparison|Updated March 2026

Axis Bank Cashback Credit Card vs Axis Bank Select Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Cashback Credit Card

8.2/10
Annual Fee₹1,000
Base Rewards1%
NetworkVisa
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Axis Bank

Axis Bank Select Credit Card

7.8/10
Annual Fee₹3,000
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Cashback Credit CardAxis Bank Select Credit Card
Annual Fee₹1,000₹3,000
Joining Fee₹1,000₹3,000
Fee Waiver Spend₹4,00,000₹8,00,000
Base Reward Rate1%0.2%
Reward CurrencyCashbackEDGE Reward Points
NetworkVisaVisa
Editor Rating8.2/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Cashback Credit Card

  • 0% on Online Spends
  • 0% on Online Spends
  • 0% on Online Spends

Axis Bank Select Credit Card

  • 0% on Retail Shopping

Pros & Cons

Axis Bank Cashback Credit Card

Pros

  • High tiered cashback up to 7% on online spends above ₹40,000 monthly.
  • Unlimited 0.75% cashback on all offline and travel-related transactions.
  • Welcome benefit of 5,000 EDGE points (₹1,000) fully offsets the joining fee.
  • Automatic cashback redemption as statement credit every month.

Cons

  • No complimentary domestic or international airport lounge access.
  • Complicated tiered structure for online cashback compared to flat-rate competitors.
  • Low 0.5% cashback on utility bills with a strict ₹100 monthly cap.

Axis Bank Select Credit Card

Pros

  • 10,000 EDGE points (₹2,000 value) as a welcome benefit on first transaction.
  • Significant monthly savings with Swiggy (₹400) and BigBasket (₹500) discounts.
  • Complimentary Priority Pass with 6 international lounge visits annually.
  • 2X rewards on retail shopping up to ₹20,000 monthly spend.

Cons

  • Domestic lounge access requires a high spend of ₹50,000 in the previous quarter.
  • Low reward redemption value (₹0.20 per point) compared to premium peers.
  • High annual fee waiver threshold of ₹8 Lakhs.

Our Verdict

Axis Bank Cashback Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Select Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Cashback Credit Card if

Best value for those spending over ₹40,000 monthly on online platforms to hit the 7% tier.

Choose Axis Bank Select Credit Card if

Strong benefits on Swiggy, BigBasket, and BookMyShow combined with golf access.

Frequently Asked Questions

Which is better: Axis Bank Cashback Credit Card or Axis Bank Select Credit Card?
Axis Bank Cashback Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Select Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Cashback Credit Card and Axis Bank Select Credit Card?
Axis Bank Cashback Credit Card has an annual fee of ₹1,000, while Axis Bank Select Credit Card has an annual fee of ₹3,000. Axis Bank Cashback Credit Card offers a fee waiver on ₹4,00,000 annual spend. Axis Bank Select Credit Card offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: Axis Bank Cashback Credit Card or Axis Bank Select Credit Card?
Axis Bank Cashback Credit Card offers a base reward rate of 1% with accelerated rewards on Online Spends and Online Spends. Axis Bank Select Credit Card offers 0.2% base rewards with bonuses on Retail Shopping. The better choice depends on your primary spending categories.
Can I have both Axis Bank Cashback Credit Card and Axis Bank Select Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Cashback Credit Card and Axis Bank Select Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Cashback Credit Card or Axis Bank Select Credit Card?
For beginners, Axis Bank Cashback Credit Card may be more approachable with a lower annual fee of ₹1,000. However, evaluate based on your expected spending pattern rather than fee alone.

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