The Axis Bank SELECT Credit Card has a joining fee of Rs. 3000 and offers benefits across travel, shopping, dining, movies, etc. It covers almost all categories where people spend, making it a sought-after lifestyle credit card. You get a Priority Pass membership with this card, offering complimentary access to international and domestic airport lounges.
The card offers discounts at various restaurants through the Dining Delights program and discounts on Swiggy orders as well. The SELECT credit card offers accelerated reward points on retail shopping with the card. Also, users can get bonus Reward Points on reaching spending milestones and get a renewal fee waiver on spending Rs. 6 Lakh in a year.
Keep reading to know more about this credit card.
Axis Bank SELECT Credit Card
Fees
Joining Fee
Renewal Fee
Best Suited For
Travel | Shopping |
Reward Type
Reward Points
Welcome Benefits
Movie & Dining
Buy 1 movie ticket and get up to Rs. 300 off on a second ticket on BookMyShow; get flat Rs. 200 off on Swiggy orders.
Rewards Rate
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.
Reward Redemption
EDGE Points earned redeemable on the EDGE Rewards portal for travel/shopping vouchers and product purchases (from the given catalog). 1 EDGE Point = Rs. 0.20.
Travel
N/A
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 visits every year (max 2 per quarter).
International Lounge Access
Up to 12 complimentary international lounge visits every year with Priority Pass membership
Insurance Benefits
Insurance cover against lost/delayed baggage, purchase protection, and loss of travel documents.
Zero Liability Protection
Cardholder shall not be liable for any fraudulent transactions if the lost card has been reported to the bank in a timely manner.
Spend Based Waiver
Renewal fee waived off on spending 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
3.6% per month (52.86% annually)
Fuel Surcharge
1% fuel surcharge waived off for transactions between Rs. 400 & Rs. 4,000 at all filling stations across India.
Cash Advance Charges
2.5% of the amount withdrawn at a minimum of Rs. 500
Add-on Card Fee
Nil
- 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.
- 20% off up to Rs. 500 on a minimum purchase of Rs. 2,000 on the BigBasket mobile app and website.
- Get a flat discount of Rs. 200 on your Swiggy orders when you make a minimum transaction of Rs. 500.
- 12 complimentary access to international airport lounges annually with a Priority Pass membership.
- 2 complimentary domestic lounge visits (every quarter).
- 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.
Pros
- You get Rs. 200 off on Swiggy orders twice a month.
- Complimentary priority pass membership is also given with the Axis Bank Select Card.
Cons
- No reward points are earned on fuel transactions.
- This credit card has a high joining fee of Rs. 3000 plus applicable taxes.
Axis Bank Select Credit Card Features and Benefits
The Axis Bank Select Credit Card is one of the most popular 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.
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 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 Rs. 3 lakh.
- 2 complimentary domestic airport lounge access every quarter.
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.
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 covers up to USD 500 for loss of travel documents and delay/loss of check-in baggage.
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, cardholders can convert 5,00,000 reward points from 1 September to 31 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 delete 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.
Axis Bank Select Credit Card Fees & Charges
The following table summarizes the fee structure for the Axis Bank Select Credit Card:
Fee | Charged |
Joining/Annual fee | Rs. 3.000 (Annual fee waived off on spending Rs. 6 Lakhs in the previous year) |
Interest Charges | 3.6% p.m. (52.86% p.a.) |
Foreign Markup Fee | 3.5% of the transaction amount |
Cash Advance Fee | 2.5% (minimum Rs. 500) |
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 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 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, 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.
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.
Cards Similar To Axis Bank Select Credit Card
Benefits | Axis Bank Select Credit Card | HDFC Regalia Gold Credit Card | SBI Prime Credit Card |
Annual Fee | Rs. 3,000 | Rs. 2,500 | Rs. 2,999 |
Rewards |
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4 Reward Points on every spend of Rs. 150. |
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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 |
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Axis Bank SELECT Credit Card Review
Axis Bank SELECT Credit Card is a versatile credit card with benefits for 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 Gold 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.
3 Comments
I am using select credit I want list of airport for avail airport lounges out of Iindia
You can check lounge access for Axis Bank Credit Cards here
My credit card application was for Axis bank Select Credit card. But the team issued me an ‘Indian Oil Axis bank’ credit card. I would like to change the credit card & replace the same with Axis bank select credit card. Suggest me what can I do to get a Select credit card.