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Side-by-Side Comparison|Updated March 2026

Axis Bank Signature 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 Signature Credit Card

7.5/10
Annual Fee₹5,000
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 Signature Credit CardAxis Bank Select Credit Card
Annual Fee₹5,000₹3,000
Joining Fee₹5,000₹3,000
Fee Waiver Spend₹3,00,000₹8,00,000
Base Reward Rate1%0.2%
Reward CurrencyEDGE REWARD PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating7.5/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Signature Credit Card

  • 2% on TRAVEL

Axis Bank Select Credit Card

  • 0% on Retail Shopping

Pros & Cons

Axis Bank Signature Credit Card

Pros

  • High reward rate of 10 EDGE points per ₹200 spent on domestic transactions
  • Accelerated 2x rewards (20 points per ₹200) on all international spends
  • Substantial 50% discount on movie tickets via BookMyShow (up to ₹300 per month)
  • Comprehensive travel insurance including ₹2.5 Crore Air Accident Cover

Cons

  • High annual fee of ₹5,000 with a relatively high waiver threshold of ₹3 Lakhs
  • International lounge visits are not complimentary by default on the Priority Pass
  • Reward point value is relatively low at ₹0.20 per point compared to competitors

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

Both Axis Bank Signature Credit Card and Axis Bank Select Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Axis Bank Signature Credit Card if

Users who travel internationally and can benefit from the 2x reward multiplier and insurance covers.

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 Signature Credit Card or Axis Bank Select Credit Card?
Both Axis Bank Signature Credit Card and Axis Bank Select Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Axis Bank Signature Credit Card and Axis Bank Select Credit Card?
Axis Bank Signature Credit Card has an annual fee of ₹5,000, while Axis Bank Select Credit Card has an annual fee of ₹3,000. Axis Bank Signature Credit Card offers a fee waiver on ₹3,00,000 annual spend. Axis Bank Select Credit Card offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: Axis Bank Signature Credit Card or Axis Bank Select Credit Card?
Axis Bank Signature Credit Card offers a base reward rate of 1% with accelerated rewards on TRAVEL. 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 Signature Credit Card and Axis Bank Select Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Signature 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 Signature Credit Card or Axis Bank Select Credit Card?
For beginners, Axis Bank Select Credit Card may be more approachable with a lower annual fee of ₹3,000. However, evaluate based on your expected spending pattern rather than fee alone.

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