Axis Bank SELECT Credit Card

Axis Bank Select Credit Card Features and Benefits

The Axis Bank Select Credit Card is one of the most popular credit cards offered by Axis 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. The features and the 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. 

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.

The following is the list of lounges that can be accessed via Priority Pass –

• Agartala – Primus Lounge
• Allahabad and Prayagraj – Zesto Executive Lounge
• Amritsar – Costa Coffee
• Bhopal – Primus Lounge
• Cochin – Earth Lounge
• Dibrugrah – Primus Lounge
• Guwahati – The Lounge
• Kannur – Pearl Domestic Lounge
• Madurai – Primus Lounge
• Varanasi – Take Off Bar

Movie & Dining Benefits

• Up to 20% discount on dining transactions made at partner restaurants with Axis Bank Dining Delights when paying via Select Credit Card.
• 40% discount up to a maximum of Rs. 200 on Swiggy. Offer valid twice a month on a minimum transaction amount of Rs. 500 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 if you spend Rs. 3 Lakh or more in a year.

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

Insurance Benefits

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

• 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

Get a 1% waiver on fuel surcharge on fuel transactions between Rs. 400 and Rs. 4,000 at all filing stations across India.

Axis Bank SELECT Credit Card Rewards:

• Earn 20 EDGE Points per Rs. 200 you spend with the card up to cumulative spends of Rs. 20,000 per month and earn 10 EDGE points per Rs. 200 spent after that.
• No EDGE reward points are earned on fuel spends made with the card.

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.

You can transfer the EDGE reward points earned by you to partner airlines/hotel points at a ratio of 5:1. The following are the changes to the Miles Transfer program applicable from 1st September 2023 –

• 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. In 2023, cardholder can convert 5,00,000 reward points from 1^stSeptember to 31^st December 2023.
• 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 delink the existing primary ID and add the new one.
• The cardholder must wait at least 60 days to update their partner program Customer ID at the Travel EDGE portal.
• The transfer ratio on the Select credit card is the existing 5:1 and you can transfer it to any of the 19 airline or hotel partners.

Eligibility Criteria

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 years & 70 years of age.
• The add-on cardholder must be above 18 years of age.
• The net annual income of the applicant must be Rs. 6 lakhs or more.

Documents Required

Following are the necessary documents that are required to apply for the card:

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

Axis Bank Select Credit Card Fees & Charges

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

How To Apply For Axis Bank Select Card?

One can apply for the 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:

• Click on the Apply Now button above.
• Click on ‘Credit Cards.’
• Scroll down and find the Axis Bank Select Credit Card.
• Click on the option ‘Apply Now’ under that.
• Proceed with filling in all the necessary details and submit.

Application Status

If you have already applied for the Axis Bank Select Credit Card, you can track the status of the 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 inquire about the status of your credit card application.
• Another way to know your application status is to visit your nearest Axis Bank branch and inquire to the bank executives about the status of your credit card application.

Axis Bank Select Credit Card Limit

The credit limit 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 as it depends on their credit history, past payment behavior, 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 getting your credit limit increased, 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 for its PIN generation, you may 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 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.

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 the 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 any other bank.
• If you use digital payment services-based apps like PhonePe or Paytm, 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 through 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 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, contact customer care with 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.

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Axis Bank SELECT Credit Card Review

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 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 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 decide.