Axis Bank Aura Visa Credit Card vs Axis Bank Select Credit Card: Which is Better in 2026?
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In short: Axis Aura has the lower annual fee (₹749 vs ₹3,000); both charge a 3.5% forex markup.
| Key facts | Axis Aura | Axis Select |
|---|---|---|
| Annual fee | ₹749 | ₹3,000 |
| Joining fee | ₹749 | ₹3,000 |
| Annual fee waived | Not listed | On ₹8 lakh annual spend |
| Lounge access | Not listed | 2 airport lounge visits a quarter |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Axis Bank Aura Visa Credit Card and Axis Bank Select Credit Card both offer rewards and fuel surcharge waivers but differ significantly in fees, rewards rates, and travel benefits. Aura is a lower-fee card with modest rewards and a welcome voucher, while Select targets premium users with higher rewards, lounge access, and milestone bonuses. Your choice depends on your spending habits and preference for travel perks versus cost efficiency.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Axis Bank Aura Visa Credit Card | Axis Bank Select Credit Card |
|---|---|---|
| Bank | Axis Bank | Axis Bank |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.749 | Joining Fee of Rs.3000 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.749 | Second Year Onwards Annual Fee of Rs.3000 |
| Annual fee waiver | — | Spend Rs.8 Lakh For Waiver of Annual Fee |
| Reward rate (headline) | Earn 2 EDGE Reward Point on Rs.200 | Earn 10 EDGE Reward Points Per Rs.200 |
| Lounge — domestic | — | 2 Complimentary Airport Lounge Access Per Quarter |
| Lounge — international | — | 12 Complimentary International Airport Lounge Access |
| Welcome benefit | Welcome Benefit - Get Decathlon Voucher of Rs.750 | Welcome Benefit - 10000 EDGE REWARD Points |
| Milestone benefit | — | Earn 5000 EDGE Reward Points on Spend of Rs.3 Lakhs |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Axis Bank Select Credit Card clearly offers superior rewards, earning 10 EDGE Reward Points per Rs.200 spent compared to Aura's 2 points per Rs.200. Select also provides accelerated 2X points on retail spends and milestone rewards, making it more lucrative for higher spenders. Aura's rewards are more modest, with 5X points only on insurance spends and a lower base rate, suitable for occasional users.
Which is better for travel?
Axis Bank Select stands out for travel benefits with 2 complimentary domestic airport lounge accesses per quarter and 12 international lounge visits annually. Aura does not offer any lounge access or travel-related perks. Both cards provide a 1% fuel surcharge waiver, but Select's extensive lounge access makes it a better fit for frequent travelers.
Which has lower effective cost?
Aura has a significantly lower joining and renewal fee of Rs.749 compared to Select's Rs.3000. Select's fee waiver requires spending Rs.8 lakh annually, which may not be feasible for all users. Aura's lower fees and no complex waiver conditions make it more beginner-friendly and cost-effective for moderate spenders, while Select suits those who can justify the higher fee through travel and rewards benefits.
Reward Milestones and Accelerated Points
Axis Bank Select offers a milestone reward of 5000 EDGE Reward Points on spending Rs.3 lakhs annually, plus accelerated 2X points on retail spends up to a cap. Aura does not have milestone benefits but provides 5X points on insurance spends with a cap of 10,000 points. This makes Select more rewarding for diversified and higher spending.
Travel Lounge Access
Select cardholders get 2 complimentary domestic airport lounge visits per quarter and 12 international lounge visits annually, enhancing travel comfort. Aura does not provide any lounge access, focusing more on basic rewards and fuel surcharge waiver.
Fee Waiver Conditions
Aura has a flat annual fee of Rs.749 with no waiver conditions, making it simpler for users who want predictable costs. Select has a higher fee of Rs.3000 but offers a waiver if you spend Rs.8 lakh in the year, which may suit heavy spenders but adds complexity.
Who should pick Axis Bank Aura Visa Credit Card?
Consider Axis Bank Aura Visa Credit Card if you prefer a low-fee credit card with straightforward rewards and a welcome voucher. It is suitable for moderate spenders who want decent EDGE Reward Points and a simple 1% fuel surcharge waiver without the need for high annual spends or travel perks.
Who should pick Axis Bank Select Credit Card?
Consider Axis Bank Select Credit Card if you are a frequent traveler or a high spender who can take advantage of premium benefits like multiple airport lounge accesses, higher reward points, and milestone bonuses. This card is ideal if you can meet the annual fee waiver criteria and want to maximize rewards and travel privileges.
Frequently Asked Questions
Axis Bank Aura Visa Credit Card has a joining and renewal fee of Rs.749, while Axis Bank Select Credit Card charges Rs.3000 for both, with a waiver on Select if you spend Rs.8 lakh annually.
Yes, both cards provide a 1% fuel surcharge waiver at any fuel outlet.
Axis Bank Select Credit Card offers 10 EDGE Reward Points per Rs.200 spent compared to Aura's 2 points per Rs.200, making Select better for general rewards.
Axis Bank Select Credit Card provides 2 complimentary domestic and 12 international airport lounge accesses annually. Aura does not offer any lounge access benefits.
Aura offers a Decathlon voucher worth Rs.750 as a welcome benefit, while Select provides 10,000 EDGE Reward Points as a welcome bonus.
Only Axis Bank Select Credit Card offers milestone rewards, giving 5000 EDGE Reward Points on spending Rs.3 lakhs annually. Aura does not have milestone benefits.