An annual earning scenario is available below. Redemption conditions and benefits outside that scenario still need confirmation.
SELECT Credit Card
Review SELECT Credit Card fees, features, annual savings, missed-payment cost and alternatives using your own spending. The calculation shows both the rewards you may gain and repayment costs that can erase those gains.
Calculation coverage & fees
Complete card facts
Calculation coverage
Annual earning evidence & conditions
Annual scenario review · 2026-09-16
Annual earning model available
Ordinary eligible retail spending; merchant offers and welcome benefits are excluded. Exact redemption value and costs require a selected quote.
The annual calculator uses repeated eligible domestic spending and standard renewal fees. It shows the documented cash route, a clearly labelled reference estimate, or points with your selected redemption quote. Vistara projections stop at the programme closure date. This review does not certify every benefit, offer or account condition.
See this card’s annual resultRedemption evidence & open checks
Research coverage
What has been checked for this card?
We keep issuer research separate from the calculator so an unresolved cap, exclusion or redemption route can never become an invented rupee saving.
Features & benefits
What this card can offer
These features come from the issuer information used for this card's automatic calculation profile. Check the calculation notes for restrictions and unresolved rules. Reward value may be limited to vouchers or travel rather than cash.
10 points per ₹200
Eligible general purchases earn ten EDGE Reward Points per ₹200.
2X retail-shopping rewards
Qualifying retail-shopping transactions can earn twice the base points.
5,000-point milestone
₹3 lakh of qualifying anniversary-year spending earns 5,000 EDGE Reward Points.
₹8 lakh fee waiver
The ₹3,000 annual fee is waived after ₹8 lakh of qualifying annual spending.
Premium partner benefits
BigBasket, Swiggy, lounge, golf and movie benefits are kept outside the automatic rupee estimate.
Your money
See savings, fees and the cost of paying late
Annual value comparison
Use your real monthly spending. The same inputs are compared across available monetary models; profiles with unresolved rules are withheld.
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What SELECT Credit Card is designed to offer
SELECT Credit Card appears in the Accurate Paisa directory under Premium, Reward points. This classification helps compare cards designed for similar spending, but your real return depends on eligible merchants, caps, exclusions, redemption and whether you pay an annual fee.
Premium
Premium cards must recover a higher fee through benefits that you will genuinely use, not headline privileges alone.
Reward points
Reward points only become savings after applying the realistic rupee value for the redemption method you use.
Transparent rules
How Accurate Paisa calculates its value
Your monthly spending is annualised, then the recorded reward rates, caps and milestone rules are applied. Eligible fee waivers are checked before the annual fee and GST are subtracted. The outcome is a rupee estimate and effective return, not a promise of earnings.
- ✓A selected catalogue redemption quote is required for real rupee value. Advertised illustrative values are not a universal cash conversion. Enter the actual voucher/value and required points, plus redemption charges.
- ✓EDGE points do not have a universal cash value. The personal calculator requires a selected redemption quote; advertised value-chart rates are illustrations, not guaranteed rupee savings.
- ✓The estimate uses base points: a marketplace or general shopping total does not establish qualifying department-store, grocery or apparel coding. The 2X benefit requires confirmed eligible merchants and is limited to ₹20,000 monthly spend, then base points.
- ✓Insurance, rent, fuel, education, utilities, government, wallet, gold and gift-card spending is excluded.
- ✓EDGE reward value assumes an active account in good standing and redemption before expiry. Standard points/miles have a 3-year validity and a 365-day inactivity condition; expiry runs at month-end. Citi-migrated balances and product-specific expiry rules can differ, so check the expiry shown in your EDGE account. From 1 October 2025, unredeemed points/miles are forfeited 30 days after card closure or when minimum due remains outstanding for more than 90 days. Redemption may be suspended earlier for overdue accounts. EMI conversion reverses associated rewards; cancelling that EMI does not restore those rewards.
Do not spend more just to reach a reward or fee waiver. Credit-card finance charges can be several times larger than ordinary reward rates, so paying the full statement balance by the due date is the most important assumption behind a positive card-value estimate.
Questions & answers
Frequently asked questions
What type of card is SELECT Credit Card? +
It is listed by Axis Bank under Premium, Reward points. Approval and the application route remain subject to the issuer's current rules.
How is the annual value of SELECT Credit Card calculated? +
Where a supported estimate is available, Accurate Paisa applies the recorded reward conversion, caps, fees and assumptions to your annual spending. Redemption restrictions can reduce the value you realise.
How is net card value calculated? +
Net annual value equals usable rewards plus eligible milestone value, minus the annual fee with GST and modelled transaction and redemption charges.
What happens if I miss a payment? +
Interest may apply to the unpaid balance, a late fee and GST may be charged, and the interest-free period can be lost. Use the estimator below with your statement figures.
Does the highest saving always mean the best card? +
No. Approval, acceptance, support, redemption, foreign-exchange charges and your ability to repay the full statement balance also matter.
Cardholder voice
Value, support and owner experience
No moderated cardholder rating is published yet. Accurate Paisa keeps its mathematical value score separate until enough real reviews are available.
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