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Side-by-Side Comparison|Updated March 2026

Kotak Infinite 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.

Kotak Mahindra Bank

Kotak Infinite Credit Card

8.2/10
Annual FeeFree
Base Rewards0.5599999999999999%
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

FeatureKotak Infinite Credit CardAxis Bank Select Credit Card
Annual FeeFree₹3,000
Joining FeeFree₹3,000
Fee Waiver SpendN/A₹8,00,000
Base Reward Rate0.5599999999999999%0.2%
Reward CurrencyReward PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating8.2/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Infinite Credit Card

  • 0% on Travel
  • 0% on Dining

Axis Bank Select Credit Card

  • 0% on Retail Shopping

Pros & Cons

Kotak Infinite Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on cardholders
  • 2 complimentary golf rounds every month at premier courses in India
  • Monthly bonus of 800 reward points (worth ₹800) with no spend threshold
  • Low foreign currency markup fee of 2% for international transactions

Cons

  • Low base reward rate of 1 point per ₹125 spent (~0.56% value)
  • Invite-only eligibility restricted to Wealth Management clients
  • Discontinued for new sourcing; available only to existing bank relationships

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

Kotak Infinite 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 Kotak Infinite Credit Card if

Offers unlimited global lounge access and consistent golf benefits without an annual fee for wealth clients.

Choose Axis Bank Select Credit Card if

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

Frequently Asked Questions

Which is better: Kotak Infinite Credit Card or Axis Bank Select Credit Card?
Kotak Infinite 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 Kotak Infinite Credit Card and Axis Bank Select Credit Card?
Kotak Infinite Credit Card has no annual fee, while Axis Bank Select Credit Card has an annual fee of ₹3,000. Axis Bank Select Credit Card offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: Kotak Infinite Credit Card or Axis Bank Select Credit Card?
Kotak Infinite Credit Card offers a base reward rate of 0.5599999999999999% with accelerated rewards on Travel and Dining. 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 Kotak Infinite Credit Card and Axis Bank Select Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Infinite Credit Card and Axis Bank Select Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Kotak Infinite Credit Card or Axis Bank Select Credit Card?
For beginners, Kotak Infinite Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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