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Side-by-Side Comparison|Updated March 2026

Accelero ICICI Bank 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.

ICICI Bank

Accelero ICICI Bank Credit Card

7/10
Annual Fee₹499
Base Rewards0.25%
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

FeatureAccelero ICICI Bank Credit CardAxis Bank Select Credit Card
Annual Fee₹499₹3,000
Joining Fee₹499₹3,000
Fee Waiver Spend₹1,25,000₹8,00,000
Base Reward Rate0.25%0.2%
Reward CurrencyICICI Bank Reward PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating7/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Accelero ICICI Bank Credit Card

No accelerated rewards listed

Axis Bank Select Credit Card

  • 0% on Retail Shopping

Pros & Cons

Accelero ICICI Bank Credit Card

Pros

  • Comprehensive 24x7 Roadside Assistance (RSA) including towing, fuel delivery, and taxi services.
  • 2.5% cashback on fuel purchases at HPCL pumps, capped at ₹200 per month.
  • Complimentary car wash and general vehicle check-up once a year.
  • 25% discount on movie tickets (up to ₹100) twice a month on BookMyShow and INOX.

Cons

  • Low base reward rate of 0.5% (2 points per ₹100).
  • Fuel cashback is capped at a relatively low amount of ₹200 per month.
  • Lounge access requires a high quarterly spend of ₹75,000 (as per latest ICICI policy).

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

Choose Accelero ICICI Bank Credit Card if

The card offers extensive roadside assistance and car maintenance perks like free washes.

Choose Axis Bank Select Credit Card if

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

Frequently Asked Questions

Which is better: Accelero ICICI Bank Credit Card or Axis Bank Select Credit Card?
Axis Bank Select Credit Card edges ahead overall with a stronger combination of rewards and value. However, Accelero ICICI Bank Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Accelero ICICI Bank Credit Card and Axis Bank Select Credit Card?
Accelero ICICI Bank Credit Card has an annual fee of ₹499, while Axis Bank Select Credit Card has an annual fee of ₹3,000. Accelero ICICI Bank Credit Card offers a fee waiver on ₹1,25,000 annual spend. Axis Bank Select Credit Card offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: Accelero ICICI Bank Credit Card or Axis Bank Select Credit Card?
Accelero ICICI Bank Credit Card offers a base reward rate of 0.25%. 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 Accelero ICICI Bank Credit Card and Axis Bank Select Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Accelero ICICI Bank Credit Card and Axis Bank Select Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Accelero ICICI Bank Credit Card or Axis Bank Select Credit Card?
For beginners, Accelero ICICI Bank Credit Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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