Axis Bank Select Credit Card vs Rbl Platinum Choice Mastercard Credit Card: Which is Better in 2026?
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The Axis Bank Select Credit Card and Rbl Platinum Choice Mastercard Credit Card cater to different user needs with distinct benefits. While the former offers a robust rewards program and extensive lounge access, the latter focuses on a lower annual fee and simpler rewards structure.
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 Platinum Choice 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.499 |
| Annual fee waiver | Spend Rs.8 Lakh For Waiver of Annual Fee | Spend Rs.50000 For Waiver of Annual Membership Fee |
| Reward rate (headline) | Earn 10 EDGE Reward Points Per Rs.200 | Earn 1 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 | 2000 Reward Points on Payment of Annual Fee |
| 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 is superior for rewards, offering 10 EDGE Reward Points per Rs.200 spent, along with additional points for retail purchases. In contrast, the Rbl Platinum Choice Mastercard provides only 1 Reward Point per Rs.100 spent, making it less attractive for those seeking to maximize rewards. Additionally, the Axis card features a welcome benefit of 10,000 EDGE Reward Points, significantly enhancing its appeal for rewards-focused users.
Which is better for travel?
For travel benefits, the Axis Bank Select Credit Card stands out with 12 complimentary international lounge accesses and 2 domestic lounges per quarter, making it a better choice for frequent travelers. The Rbl Platinum Choice Mastercard lacks any lounge access benefits, which may be a drawback for those who prioritize comfort during travel.
Which has lower effective cost?
The Rbl Platinum Choice Mastercard has a lower renewal fee of Rs.499 compared to the Axis Bank Select Credit Card's Rs.3000. Additionally, the Rbl card offers a simpler fee waiver condition, requiring only Rs.50,000 in spending for a waiver, while the Axis card requires Rs.8 lakh. This makes the Rbl card more appealing for users concerned about annual fees.
Who should pick Axis Bank Select Credit Card?
Consider Axis Bank Select Credit Card if you are looking for a card with strong rewards potential, extensive lounge access, and a robust welcome offer. It is ideal for users who frequently spend on retail and travel, maximizing the benefits from the rewards program.
Who should pick Rbl Platinum Choice Mastercard Credit Card?
Consider Rbl Platinum Choice Mastercard Credit Card if you prefer a lower annual fee and simpler rewards structure. This card is suitable for beginners or those who do not spend heavily on credit, allowing for easier fee waivers and straightforward rewards.
Frequently Asked Questions
The annual fee for the Axis Bank Select Credit Card is Rs.3000.
The Axis Bank Select Credit Card offers 12 complimentary international airport lounge accesses.
The welcome benefit for the Rbl Platinum Choice Mastercard is 2000 Reward Points on payment of the annual fee.
The fee waiver condition for the Rbl Platinum Choice Mastercard is to spend Rs.50,000.