
Axis Miles and More Select Card
1 Finance Score:
69
/100
This score will get updated based on your purpose selection.
69
/100
This score will get updated based on your purpose selection.
Eligibility Criteria
Age of 18-70 years and must be salaried, available for Indian residents or non-Indian residents
Rewards on Household Expenses
Groceries
Earn Award Miles at a rate of 3.0%
Transportation
Zero Award Miles
Utilities
Earn Award Miles at a rate of 3.0%
Rewards on Lifestyle Expenses
Clothing and Fashion
Earn Award Miles at a rate of 3.0% (5x on Amazon, Flipkart, Pantaloons, Myntra, Tata CLiQ)
Technology and Electronics
Earn Award Miles at a rate of 3.0% (5x on Croma)
Food and Dining
Earn Award Miles at a rate of 3.0% (5x on Swiggy)
Entertainment
Earn Award Miles at a rate of 3.0%
Travel and Leisure
Earn Award Miles at a rate of 3.0% (5x on flight and hotel bookings, 10x on MakeMyTrip / Yatra)
Additional Benefits
Welcome Benefits
Complimentary 15,000 miles as a welcome bonus
Domestic Lounge Access
32 complimentary airport lounge access per year at participating lounges
International Lounge Access
Zero airport lounge access
Milestone Benefits
Complimentary 36,000 miles points on monthly spending ₹ 1 lakh in the year
Luxury Benefits
Zero golf rounds and zero lessons across golf courses
Rewards Conversion Rate
Award Miles conversion rate of 1 AM = ₹ 0.20
Repayment Terms
Finance Charges
52.86% per annum
Bundled Insurance
Life Insurance
Personal air accident cover - ₹ 4.5 crores
Health Insurance
Not available
Travel Insurance
Loss of check-in baggage - $ 500, lost or delayed baggage and personal documents - $ 500
Credit Liability Cover
Credit shield - ₹ 5 lakhs
Featured Cards
Featured Cards
Disclaimer
1 Finance Pvt. Ltd. operates independently and does not issue/provide credit cards. The information presented herein is intended solely for educational and informational purposes and should not be construed as financial advice. Before making any financial decisions, it's essential to undertake your own thorough research and analysis. If you're uncertain about any financial matters, we strongly recommend seeking guidance from an impartial financial advisor.Our Methodology
At 1 Finance, we are dedicated to offering you an unbiased, data-driven, and detailed analysis of various credit cards available in India. Here is a step-by-step breakdown of our meticulous methodology:
- In-depth Market Research
Our initial step was to conduct in-depth market research to understand the vast landscape of credit cards available in India, analysing their unique features and offerings to build foundational knowledge for our evaluation process.
- Feature Shortlisting for Evaluation
We then identified and shortlisted the essential features to be evaluated. This included considering daily expenditure patterns, embedded benefits, joining/annual fees, and eligibility criteria, among others.
- Purpose-Driven Categorisation
Next, we pinpointed the primary purposes for which individuals use credit cards — such as groceries, fuel, dining, or luxury — and categorised the cards accordingly. This alignment with various lifestyle needs and preferences aids in a more targeted selection process.
- Crafting a Detailed Evaluation Framework
Building on the identified credit card categories and the diverse range of benefits they offer, coupled with the different expense categories prevalent among individuals, we constructed a framework to assign weights to the shortlisted parameters. These weights vary across different credit card categories, reflecting the relative importance of each parameter in its respective category, thereby ensuring a nuanced and tailored evaluation process.
- Rigorous Card Evaluation
In this phase, each card was rigorously evaluated against the categories defined in our framework. This comparative analysis differentiates between the good and the not-so-good cards, empowering one to make an informed choice.
- Continuous Market Monitoring
Our commitment goes beyond just crafting this tool. We continuously monitor the market for any updates in card features or the release of new cards, ensuring our tool remains up-to-date and your choices are well-informed.
For a deeper understanding of our methodology,