Axis Bank Select Credit Card vs Rbl Bank Platinum Delight Mastercard Credit Card: Which is Better in 2026?
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The Axis Bank Select Credit Card and the RBL Bank Platinum Delight Mastercard Credit Card cater to different user needs with distinct fee structures, reward schemes, and travel benefits. Axis Bank Select offers premium travel perks including extensive lounge access and golf rounds, while RBL Platinum Delight focuses on simpler rewards and lower fees. Both cards have a forex markup of 3.5%, but their reward points and fee waiver criteria vary significantly.
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 Select Credit Card | Rbl Bank Platinum Delight Mastercard Credit Card |
|---|---|---|
| Bank | Axis Bank | RBL Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.3000 | — |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.3000 | Annual Fee of Rs.1000 |
| Annual fee waiver | Spend Rs.8 Lakh For Waiver of Annual Fee | Spend Rs.2 Lakhs For Waiver of Annual Membership Fee |
| Reward rate (headline) | Earn 10 EDGE Reward Points Per Rs.200 | Earn 2 Reward Points per Rs.100 |
| Lounge — domestic | 2 Complimentary Airport Lounge Access Per Quarter | — |
| Lounge — international | 12 Complimentary International Airport Lounge Access | — |
| Welcome benefit | Welcome Benefit - 10000 EDGE REWARD Points | Welcome Benefit - 4000 Reward Points |
| Milestone benefit | Earn 5000 EDGE Reward Points on Spend of Rs.3 Lakhs | Earn 1000 Bonus Reward Points Every Month |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Axis Bank Select Credit Card provides a higher reward rate with 10 EDGE Reward Points per Rs.200 spent and accelerated rewards on retail spends, plus a milestone bonus of 5000 points on Rs.3 lakhs spend. Its reward redemption value is Rs.0.20 per point. In contrast, RBL Platinum Delight offers 2 Reward Points per Rs.100 and 4 points on weekends, with a better redemption rate of Rs.0.25 per point and monthly bonus points. Overall, Axis Bank Select is more rewarding for higher spends and retail shopping, while RBL Platinum Delight suits moderate spenders seeking steady monthly bonuses.
Which is better for travel?
Axis Bank Select clearly leads in travel benefits with 2 complimentary domestic airport lounge accesses per quarter and 12 international lounge accesses annually, plus 6 complimentary golf rounds per year on meeting spend criteria. RBL Platinum Delight does not offer any lounge or golf benefits. Therefore, for frequent travelers or those valuing premium airport experiences, Axis Bank Select is preferable.
Which has lower effective cost?
RBL Platinum Delight has a lower annual fee of Rs.1000 with a waiver on Rs.2 lakhs spend, making it more accessible for budget-conscious users. Axis Bank Select charges Rs.3000 annually with a higher waiver threshold of Rs.8 lakhs. Both cards have the same forex markup of 3.5%. Considering fee waivers and renewal costs, RBL Platinum Delight offers a more beginner-friendly and cost-effective option.
Reward Redemption Value
While Axis Bank Select offers a higher earning rate on spends, its reward points redeem at Rs.0.20 per point. RBL Platinum Delight provides a slightly better redemption rate of Rs.0.25 per point, which can enhance the value for users who redeem frequently.
Fee Waiver Complexity
Axis Bank Select requires a significantly higher annual spend of Rs.8 lakhs to waive the Rs.3000 fee, compared to Rs.2 lakhs spend for RBL Platinum Delight's Rs.1000 fee waiver. This makes the RBL card more accessible for users with moderate spending habits.
Who should pick Axis Bank Select Credit Card?
Consider Axis Bank Select Credit Card if you are a frequent traveler who values extensive lounge access and golf privileges, and if you have higher annual spends to benefit from the fee waiver and milestone rewards. This card suits users looking for premium travel perks combined with accelerated reward points on retail spending.
Who should pick Rbl Bank Platinum Delight Mastercard Credit Card?
Consider RBL Bank Platinum Delight Mastercard Credit Card if you prefer a lower annual fee with easier waiver conditions and steady monthly reward bonuses. It is suitable for moderate spenders who want a straightforward rewards program without travel-related benefits, making it a practical choice for beginners or budget-conscious users.
Frequently Asked Questions
Axis Bank Select charges Rs.3000 annually with a waiver on spending Rs.8 lakhs, whereas RBL Platinum Delight has a Rs.1000 annual fee waived on Rs.2 lakhs spend.
Axis Bank Select provides 2 domestic lounge accesses per quarter and 12 international lounge accesses annually. RBL Platinum Delight does not offer lounge access.
Both cards have a forex markup fee of 3.5% on foreign currency transactions.
Axis Bank Select earns 10 EDGE Reward Points per Rs.200 spent with accelerated retail rewards, while RBL Platinum Delight earns 2 Reward Points per Rs.100 and 4 points on weekends.
Axis Bank Select offers 5000 EDGE Reward Points on Rs.3 lakhs spend, plus 6 golf rounds annually. RBL Platinum Delight provides 1000 bonus points every month on meeting criteria.
RBL Platinum Delight is better suited for beginners due to its lower fee, easier waiver, and straightforward rewards.