Axis Bank SELECT Credit Card

Axis Select Credit Card Features and Benefits

The Axis Bank Select Credit Card is one of the most popular sub-premium credit cards offered by Axis Bank. It comes with a lot of exciting privileges in different categories, including travel, entertainment, dining, golf, insurance, and many more. The features and benefits of the Axis Bank Select Credit Card have been discussed in detail below:

Welcome Benefits

You get 10,000 EDGE Reward Points as a welcome benefit on your first transaction within 30 days of issuance. These 10,000 Points carry a value of ₹2,000 and shall be only awarded upon the realization of the joining fee (not valid for lifetime free cards).

Milestone Benefits

• 5,000 bonus EDGE Points on a minimum annual expenditure of ₹3 lakh.
• Complete annual fee waiver on spending ₹8 lakh in an anniversary year.
• Auto-renewal of the complimentary Priority Pass membership on a minimum annual expenditure of ₹3 lakh.

Travel Benefits

• With the Axis Bank Select Credit Card, you get 12 complimentary international airport lounge access every year with Priority Pass membership. Renewal of Priority Pass membership is subject to achieving the annual expenditure milestone of ₹3 lakh.
• 2 complimentary domestic airport lounge access every quarter. You would need to spend ₹50,000 in the previous three months to be eligible for free domestic lounge access.

₹500 Off With Big Basket

With the Axis Bank Select Credit Card, you can get a flat discount of ₹500 on a minimum purchase of ₹2,500 on the BigBasket mobile app and website. This offer can be applied once each month per user and can help you save up to ₹6,000 in a year on your grocery shopping. However, it is essential to note that you need to make the payment with the Select Card only to avail of this offer.

Use code “AXISSELECTCC” to avail of this offer.

Movie & Dining Benefits

• Up to 25% discount up to ₹800 on dining transactions made at partner restaurants with Axis Bank Dining Delights when paying via Select Credit Card.
• Flat ₹200 on Swiggy. Offer valid twice a month on a minimum transaction amount of ₹1,000 per order. Coupon code “AXIS200” has to be used to avail of the discount.
• Enjoy a 100% discount on your second movie ticket when booked through the District app using your Select credit card. This offer is valid for up to ₹250 off twice a month on movie ticket bookings. To qualify, a minimum of two movie tickets must be purchased via the District app.

Golf Benefits

• Get 6 complimentary golf rounds each year.
• Get 6 additional rounds if you spend ₹3 Lakh or more in a year.

Those looking to book their golf games/lessons can do so by clicking here.

Insurance Benefits

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

• Purchase Protection cover worth up to ₹1 lakh.
• Cumulative insurance covers up to USD 500 for loss of travel documents and delay/loss of check-in baggage.

Axis SELECT Credit Card EDGE Rewards Earning and Redemption

• Earn 20 EDGE Points per ₹200 on spends up to ₹20,000 cumulatively per month on the card and earn 10 EDGE points per ₹200 spent after that.
• No EDGE reward points are earned on fuel, insurance, gold, government services, education, utilities, and wallet spends made with the card.

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. You can even transfer the EDGE reward points earned by you to partner airlines/hotel points at a ratio of 5:1 for ITC, SpiceJet, and AirAsia; for all other partners, a 10:1 ratio is applicable.

The total number of reward points you can convert in a calendar year is capped at 5,00,000 RPs for a single Customer ID. You can just link one Customer ID to a partner program loyalty membership at a given time. If you want to link another ID, you will first have to delete the existing primary ID and add the new one. Following is a detailed list of airline and hotel loyalty partners with Axis Bank, classified into two groups:

Eligibility Criteria for Axis SELECT Card

The following are the eligibility criteria that one needs to fulfill to get approved for the SELECT card by Axis Bank:

• The primary cardholder must be between 18 and & 70 years of age.
• Should be a resident of India.
• The net annual income of the applicant must be ₹6 lakhs or more.

Axis Bank Select Credit Card Fees & Charges

The following table summarizes the fee structure for the Axis Bank Select Credit Card:

Axis Bank Select Credit Card Limit

The bank has not clearly disclosed the credit limit provided by the Axis Bank Select Credit Card, but generally, it is higher than ₹2 lakhs. However, the credit limit may vary for different cardholders as it depends on their credit history, past payment behavior, income, and a few more factors. If you have 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 increasing your credit limit, 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.

Select Credit Card Activation & PIN Generation

To activate your Axis Bank Select Credit Card or for its PIN generation, you may choose and follow 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 confirming.
• You can also generate your credit card PIN by contacting customer care for your credit card. Ask them to help you activate your credit card. They’ll ask you for a few details, and you will provide them with all the required information. Then, an OTP will be sent to 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 look for 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.

Cards Similar To Axis Bank Select Credit Card

Axis Bank SELECT Credit Card Review

Axis Bank SELECT Credit Card is a versatile credit card with benefits for almost all spends categories. From discounts on dining to complimentary access to domestic and international airport lounges 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 Gold Credit Card is one of its closest competitors.

The Axis Select Credit Card is designed for individuals who can maintain a monthly spending of ₹20,000. With this spending level, cardholders can earn 20 EDGE Reward Points for every ₹200 spent. People with such spending habits might also want to consider the American Express Membership Rewards Credit Card. Individuals with high spending levels would benefit more from opting for a premium and rewarding credit card. Although this card may not seem impressive at first glance, it is ideal for those seeking a modest rewards rate alongside excellent lifestyle benefits, such as access to domestic and international airport lounges.