By Bharti Bisht
Updated On June 4, 2022

Axis Bank SELECT Credit Card is a mid-level lifestyle credit card that comes with a joining fee of Rs. 3,000. As a welcome benefit, you get an Amazon gift voucher worth Rs. 2,000. The card offers benefits across almost all categories where people tend to spend the most like travel, dining, shopping, movies, etc. You get dining benefits with discounted rates at partner restaurants and discounts on Swiggy orders. Talking about its travel privileges, you get complimentary domestic as well as international airport lounge access and complimentary membership to the Priority Pass program with this card.

As far as the reward rate is concerned, the card earns you 10 EDGE Reward Points on every spend of Rs. 200 and accelerated (2X) EDGE Points on retail shopping spends, with each EDGE Point valued at Rs. 0.20 (reward rate of 2% on retail shopping and 1% on all other spends). You can also earn up to 5,000 bonus reward points every year on achieving the spend milestone. Moreover, keeping your entertainment needs in mind, this card comes with a Buy 1 Get 1 Free offer on movie tickets on BookMyShow. Other benefits of the Select Credit Card include complimentary golf rounds, insurance covers, spend-based annual fee waiver, and many more. Read on to learn more about this offering by Axis Bank.

Best Suited For

Travel | Shopping |

Joining Fee

Rs. 3,000 (plus applicable taxes)

Reward Type

Reward Points |

Product Details

  • Amazon voucher worth Rs. 2,000 on making the first transaction within 90 days of card issuance.
  • 10 EDGE Points for every Rs. 200 spent with the card.
  • 2X EDGE Points on retail shopping with the Axis Bank Select Credit card.
  • 20% off up to Rs. 500 on a minimum purchase of Rs. 2,000 on BigBasket.
  • 40% discount on Swiggy up to a maximum of Rs. 200 per transaction.
  • 6 complimentary international airport lounge access every year with Priority Pass membership.
  • 2 complimentary domestic lounge access every quarter.
  • Up to 20% discount at partner restaurants with Dining Delights.
  • Buy 1 movie ticket and get up to Rs. 300 off on the second ticket on BookMyShow.
  • Bonus EDGE Points on spending Rs. 3 lakh in an anniversary year.
  • Renewal fee waiver on spending Rs. 6 lakh in an anniversary year.
  • 6 complimentary golf rounds every year, 3 additional golf rounds on annual expenditure of Rs. 6 lakh.
  • Comprehensive insurance cover including a personal air accident cover worth Rs. 2.5 crore.
  • 24×7 concierge service for assistance regarding flight booking, table reservation, gift delivery, etc.

Rewards and Benefits

Welcome Benefits

Amazon voucher worth Rs. 2,000 on making the first transaction within 90 days of card issuance.

Movie & Dining

Buy 1 movie ticket and get up to Rs. 300 off on second ticket on BookMyShow; get up to 20% off on dining.

Rewards Rate

10 EDGE Points per Rs. 200 spent and 20 EDGE Points per Rs. 200 spent on retail shopping.

Reward Redemption

EDGE Points earned redeemable on the EDGE Rewards portal for shopping/travel vouchers and product purchases (from the given catalog). 1 EDGE Point = Rs. 0.20.

Travel

Complimentary Priority Pass membership and complimentary international and domestic lounge access

Golf

6 complimentary golf rounds every year. 3 additional golf rounds on minimum annual spends of Rs. 3 lakh with the Select Credit Card.

Domestic Lounge Access

8 complimentary domestic lounge access every year (max 2 per quarter).

International Lounge Access

6 complimentary international lounge access every year with Priority Pass membership

Insurance Benefits

Insurance cover against air accidents, lost/delayed baggage, purchase protection, and loss of travel documents.

Zero Liability Protection

Cardholder shall not be liable for any fraudulent transactions made on a card post reporting the loss of card to the bank.

Fees & Charges

Joining Fee

Rs. 3,000 (plus applicable taxes)

Renewal Fee

Rs. 3,000 (plus applicable taxes)

Spend based Waiver

Renewal fee waived off on expenditure of Rs. 6 lakh in a year

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.5% of the transaction amount

Interest Rates

3.40% per month (49.36% annually)

Fuel Surcharge

1% fuel surcharge waived off at all filling stations across India for transactions between Rs. 400 & Rs. 4,000

Cash Advance Charge

2.5% of the amount withdrawn or Rs. 250 (whichever is higher)

Add-on Card Fee

Nil

Axis Bank Select Credit Card Features and Benefits

The Axis Bank Select Credit Card is one of the most popular credit cards issued by the bank in the premium category. It comes with a lot of exciting privileges in different categories, including travel, entertainment, dining, golf, insurance, and many more. Following are the detailed features and benefits of the Axis Bank Select Credit Card:

Welcome Benefits

You get an Amazon voucher worth Rs. 2,000 on making the first transaction within 90 days of card issuance.

Milestone Benefits

  • 5,000 bonus EDGE Points on a minimum annual expenditure of Rs. 3 lakh.
  • Complete annual fee waiver on spending Rs. 6 lakh in an anniversary year.
  • Auto-renewal of the complimentary Priority Pass membership on a minimum annual expenditure of Rs. 3 lakh.

Travel Benefits

  • With Axis Bank Select credit card, you get 6 complimentary international airport lounge access every year with Priority Pass membership. Renewal of Priority Pass membership subject to achieving the annual expenditure milestone of Rs. 3 lakh.
  • 2 complimentary domestic airport lounge access every quarter.

Movie & Dining Benefits

  • Up to 20% discount on dining bills at partner restaurants with Axis Bank Dining Delights when paying via Select Credit Card.
  • 40% discount up to a maximum of Rs. 400 on Swiggy. Offer valid twice a month on a minimum transaction amount of Rs. 400 per order. Coupon code AXIS200 has to be used to avail of the discount.
  • Buy 1 movie ticket on BookMyShow and get up to Rs. 300 off on the second ticket. This offer can be availed only once a month.

Golf Benefits

  • Get 6 complimentary golf rounds each year.
  • Get 3 additional rounds on spending Rs. 3 lakhs or more in a year.

Note: The higher variant Magnus Card also doesn’t provide Golf benefits which are provided in this card.

Insurance Benefits

Following are the insurance benefits that you get with the Axis Bank Select Credit Card:

  • Personal air accident cover worth up to Rs. 2.5 Crores.
  • Purchase Protection cover worth up to Rs. 1 lakh.
  • Commutative insurance cover worth up to USD 500 loss of travel documents and delay/loss of check-in baggage.

Fuel Surcharge Waiver

1% fuel surcharge waived off at all filling stations across India for transactions between Rs. 400 and Rs. 4,000.

Axis Bank SELECT Credit Card Rewards:

  • 10 EDGE Points for every Rs. 200 spent with the card.
  • 2X EDGE Points (20 EDGE Points) for every Rs. 200 spent on retail shopping.
  • No EDGE Points on fuel purchases.

Rewards Redemption

EDGE Points earned on the card can be redeemed against shopping/travel vouchers or for purchasing products (from the given catalog) from the EDGE Rewards portal.

Eligibility Criteria

The basic eligibility criteria that you will have to fulfill in order to get approved for the Axis Bank Select Credit Card is as mentioned below:

  • The age of the primary cardholder must be between 18 years and 70 years.
  • The age of the add-on cardholder must be above 18 years.
  • The net annual income of the applicant must be Rs. 9 lakhs or more.

Documents Required

The documents required to apply for the Axis Bank Credit Card are as follows:

  • Identity Proof – Aadhar Card, PAN Card, Passport, Driving Licence, and passport size photograph.
  • Address Proof – Aadhar Card, Utility bills, Passport, etc.
  • Income Proof – Latest payslip/latest bank statements, Form 16, latest ITR.

Axis Bank Select Credit Card Fees & Charges

  • The joining and annual fee of the Axis Bank Select Credit Card is Rs. 3,000. The joining fee can’t be waived off, but you can get the annual fee waived off from the second year onwards by spending a minimum of Rs. 6 lakhs in the previous year.
  • The interest rate on this credit card is 3.4% per month, i.e, 49.36% annualized.
  • The cash advance charges on the Axis Bank Select Credit Card are 2.5% of the cash amount withdrawn subject to a minimum of Rs. 250.
  • The foreign currency markup fee on this credit card is 3.5% of the transaction amount. This fee is charged when you make a transaction in a different currency using your Select Credit Card.

How To Apply For Axis Bank Select Card?

You can apply for the Axis bank Select credit card online on their official website or by visiting your nearest Axis Bank branch. You’ll need to submit a few documents in order for your application to be processed. Following are the steps to be followed in order to apply online for the Select Credit Card by Axis Bank:

  • Visit the official website of Axis Bank.
  • Click on the option ‘Credit Cards.’
  • Scroll down and find the Axis Bank Select Credit Card.
  • Click on the option ‘Apply Now’ under that.
  • Proceed further by filling in all the required details and submit.

Application Status

If you have already applied for the Axis Bank Select Credit Card, you can track the status of your application by any of these methods:

  • Visit the application tracking page of Axis Bank. Click on the option ‘Loan,’ enter the required details, and click on Enquiry.
  • You can also contact Axis Bank credit card customer care and ask them about the status of your credit card application.
  • Another way to know your application status is to visit your nearest branch and ask the bank executives about the status of your credit card application.

Axis Bank Select Credit Card Limit

The credit limit that is provided with the Axis Bank Select Credit Card has not been disclosed by the bank clearly, but generally, it is higher than Rs. 2 lakhs. However, the credit limit may vary for different cardholders depending on their past payment behavior, credit history, income, and a few more factors. If you have got a lower credit limit with your Select Credit Card, you can always request a higher credit limit by contacting the Axis Bank credit card customer care or by visiting your nearest branch. Before applying for a credit limit increase, you should make sure that you have a good credit score and no pending payments, so that your card issuer can trust you and provide you with a higher credit limit.

Axis Bank Select Credit Card Activation & PIN Generation

To activate your Axis Bank Select Credit Card or to generate its PIN, you can choose and follow and any one of the below-mentioned methods:

  • You can generate the PIN of your credit card via internet banking. Log in to your net banking account and under the option My Credit Card, go to ‘More Services’ and then ‘Credit card PIN.’ Proceed further by entering the PIN and then confirm.
  • You can also generate your credit card PIN by contacting your credit card customer care. Ask them to help you activate your credit card. They’ll ask you for a few details, provide them with all the required information, and then an OTP will be sent on your registered mobile number for the verification process. Provide them with the OTP and generate the PIN.
  • You can also do the same via the Axis Bank mobile banking app. Register yourself on the app and find an option for credit card PIN generation.
  • Generating your credit card PIN via an ATM is another easy method to activate your credit card. Visit your nearest ATM and find an option to generate a credit card PIN from the main menu.

Axis Bank Select Credit Card Bill Payment

Following are the different methods to pay the bill of your Axis Bank Select Credit Card:

  • Log in to your internet banking account and under the Credit Cards section, click on the option ‘Pay Now.’ Then enter your account details, amount to be paid, and proceed further to make the payment.
  • You can also pay the bill via NEFT if you are having a savings account in a bank other than Axis Bank.
  • If you use digital payment services-based apps like Paytm PhonePe, you can easily find an option of credit card bill payment on their home pages, and pay the bill via these apps easily.
  • If you are someone who prefers offline methods, you can make the payment via cash or a cheque by visiting your nearest branch.

Axis Bank Credit Card Login/Net Banking

Internet banking has made banking tasks very easy nowadays and hence it is important for you to know how you can register your credit card for internet banking in order to avail all the facilities. Following are the steps to be followed in order to register your Axis Bank Select credit card for internet banking:

  • Visit the Axis Bank’s official website.
  • Click on the ‘Profile’ icon and then on ‘Register.’
  • Enter your customer ID or your registered mobile number.
  • Enter your personal information and required credit card details.
  • Set the password for your internet banking account and proceed.

Axis Bank Credit Card Customer Care

If you have any doubts/queries or complaints regarding your Axis Bank Select Credit Card, you can contact customer care via the following contact details:

  • Helpline numbers: 1860-419-5555, 1860-500-5555, and +91-22-67987700 (24*7 emergency helpline number).
  • Email Id: Visit Axis Bank’s official website and click on ‘Support.’ Scroll down and click on Contact via email and send your queries.

Cards Similar To Axis Bank Select Credit Card

Benefits Axis Bank Select Credit Card HDFC Regalia Credit Card SBI Prime Credit Card
Annual Fee Rs. 3,000 Rs. 2,500 Rs. 2,999
Rewards 10 Edge Rewards on every spend of Rs. 200.

20 Edge Rewards on every spend of Rs. 100 on retail shopping.
4 Reward Points on every spend of Rs. 150. 2 Reward Points on every spend of Rs. 100.

5x Reward Points on dining, movies, groceries, and departmental stores.
Reward Redemption 1 Edge Reward = Re. 0.20 for redemption against different categories, products, and vouchers. 1 RP = Re. 0.50 for redemption against flight/hotel bookings, 1 RP = Re. 0.35 for redemption against vouchers & products, 1 RP = Re. 0.20 for redemption against cashback.

1 Reward Point = Re. 0.25 for redemption against products and statement balance.

Additional Benefits Complimentary domestic and international lounge access.

Up to 5,000 bonus Edge points as a milestone benefit.

Up to Rs. 300 off on movie tickets.
Up to 10,000 bonus Reward Points on achieving the spend milestone. Complimentary domestic and international lounge access every year.

Complimentary Dine out passport membership.
Complimentary domestic and international lounge access.

Gift vouchers worth up to Rs. 8,000 on achieving the spend milestone.

25% discount on dining at selected restaurants.

Conclusion

Axis Bank SELECT Credit Card is a versatile credit card with benefits on almost all spends categories. From discounted rates on dining and movie tickets to complimentary domestic and international airport lounge visits and comprehensive insurance benefits, the card comes packed with all kinds of benefits and privileges that one expects from a lifestyle credit card. HDFC Regalia Credit Card is one of its closest competitors. We’ve already reviewed the Regalia Credit Card in detail on Card Insider. Do compare the pros and cons of the two cards before you make up your mind.

FAQs:

You no longer get complimentary Amazon Prime membership with the Axis Bank SELECT Credit Card.

You get a total of 9 complimentary Golf rounds on spending Rs. 3 lakhs or more in a year with your Axis Bank Select Credit Card.

You can get the renewal fee waived off on spending a minimum of Rs. 6 lakh in an anniversary year.

No, you don’t earn any EDGE Points on fuel purchases using your Axis Bank SELECT Credit Card.

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