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Side-by-Side Comparison|Updated March 2026

ICICI 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.

ICICI Bank

ICICI Bank Signature Credit Card

8.2/10
Annual Fee₹2,000
Base Rewards6.4%
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

FeatureICICI Bank Signature Credit CardAxis Bank Select Credit Card
Annual Fee₹2,000₹3,000
Joining Fee₹25,000₹3,000
Fee Waiver Spend₹50,000₹8,00,000
Base Reward Rate6.4%0.2%
Reward CurrencyHand-picked RewardsEDGE Reward Points
NetworkVisaVisa
Editor Rating8.2/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank Signature Credit Card

No accelerated rewards listed

Axis Bank Select Credit Card

  • 0% on Retail Shopping

Pros & Cons

ICICI Bank Signature Credit Card

Pros

  • Industry-leading base reward rate of 8% (10 points per ₹100 spent).
  • Substantial welcome bonus of 30,000 points worth ₹24,000.
  • Complimentary golf rounds at premium courses in India and abroad.
  • Comprehensive concierge service (i-Assist) for travel and lifestyle needs.

Cons

  • Extremely high joining fee of ₹25,000.
  • International lounge visits via Priority Pass are chargeable.
  • Domestic lounge access requires a minimum spend of ₹35,000 in the previous quarter.

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

ICICI Bank Signature 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 ICICI Bank Signature Credit Card if

The 8% base reward rate provides exceptional value for those with high monthly retail spends.

Choose Axis Bank Select Credit Card if

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

Frequently Asked Questions

Which is better: ICICI Bank Signature Credit Card or Axis Bank Select Credit Card?
ICICI Bank Signature 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 ICICI Bank Signature Credit Card and Axis Bank Select Credit Card?
ICICI Bank Signature Credit Card has an annual fee of ₹2,000, while Axis Bank Select Credit Card has an annual fee of ₹3,000. ICICI Bank Signature Credit Card offers a fee waiver on ₹50,000 annual spend. Axis Bank Select Credit Card offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: ICICI Bank Signature Credit Card or Axis Bank Select Credit Card?
ICICI Bank Signature Credit Card offers a base reward rate of 6.4%. 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 ICICI Bank Signature Credit Card and Axis Bank Select Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI 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: ICICI Bank Signature Credit Card or Axis Bank Select Credit Card?
For beginners, ICICI Bank Signature Credit Card may be more approachable with a lower annual fee of ₹2,000. However, evaluate based on your expected spending pattern rather than fee alone.

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