Updated On

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. 8 Lakh in a year. Keep reading to know more about this credit card.

Axis Bank SELECT Credit Card
(4.6/5)

Joining Fee

Rs. 3,000 + GST

Renewal Fee

Rs. 3,000 + GST

Best Suited For

Travel | Shopping |

Reward Type

Reward Points

Welcome Benefits

Get 10,000 EDGE REWARD POINTS on your first transaction of Rs. 2000

Movie & Dining

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

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

Golf

6 complimentary golf rounds every year. 6 additional golf rounds on annual spends of Rs. 3 lakh with the card

Insurance Benefits

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

Spend-Based Waiver

Renewal fee waived on spending Rs. 8 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2.5% of the amount withdrawn at a minimum of Rs. 500

  • 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.
  • Flat Rs. 500 on a minimum purchase of Rs. 3,000 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. 1,000.
  • 12 complimentary access to international airport lounges annually with a Priority Pass membership.
  • 2 complimentary domestic lounge visits (every quarter).
  • Bonus EDGE Points on spending Rs. 3 lakh in an anniversary year.
  • Renewal fee waiver on spending Rs. 8 lakh in an anniversary year.
  • 6 complimentary golf rounds every year, 6 additional golf rounds on an annual expenditure of Rs. 3 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. These 10,000 Points carry a value of Rs. 2,000 and shall be only awarded on the realisation of the joining fee (not valid for lifetime free cards).

Milestone Benefits

  • 5,000 bonus EDGE Points on a minimum annual expenditure of Rs. 3 lakh.
  • Complete annual fee waiver on spending Rs. 8 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. You would need to make spends of Rs. 50,000 in the previous three months to be eligible for free domestic lounge access.

Rs. 500 Off With Big Basket

With the Axis Bank Select Credit Card, you can get a flat discount of Rs. 500 on a minimum purchase of Rs. 3,000 on the BigBasket mobile app and website. This offer can be applied once each month per user and can help you save up to Rs. 6,000 in a year on your grocery shopping. However, it is important to note that you need to make the payment with the Select Card only to avail of this offer. Use code “SELECTAPR24” to avail of this offer.

Movie & Dining Benefits

  • Up to 25% discount up to Rs. 800 on dining transactions made at partner restaurants with Axis Bank Dining Delights when paying via Select Credit Card.
  • Flat Rs. 200 on Swiggy. Offer valid twice a month on a minimum transaction amount of Rs. 1,000 per order. Coupon code “AXIS200” has to be used to avail of the discount.

Golf Benefits

  • Get 6 complimentary golf rounds each year.
  • Get 6 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.
  • Cumulative 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, insurance, gold, government services, utilities and wallet 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 (Vistara, ITC, SpiceJet, AirAsia).

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 in two groups:

Group A (1 Lakh EDGE Reward Per Year) Group B (4 Lakh EDGE Reward Per Year)
Accor Hotels Air France-KLM
Air Canada Air India
Ethiopian Airlines Air Asia
Etihad ITC
Japan Airlines IHG® Hotels & Resorts
Marriott International Qantas Airways
Qatar Airways SpiceJet
Singapore Airlines Vistara
Turkish Airlines
Thai Airways
United Airlines
Wyndham Hotels

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 Charges
Joining/Annual fee Rs. 3,000 (Annual fee waived off on spending Rs. 8 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
  • 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 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.

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. 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.

FAQs:

You get a total of 12 complimentary golf rounds if you spend Rs. 3 lakh in a year with your Axis Bank Select Credit Card.
The annual fee for the SELECT card can be waived if you spend Rs. 8 Lakhs in an anniversary year.
No, you don’t earn any EDGE Points for fuel purchases using your Axis Bank SELECT Credit Card.
In case of theft or loss, you can easily get your card blocked by contacting Axis Bank Credit Card customer care. Make sure to report the loss to the bank as soon as possible as you will get zero liability protection by reporting the loss in a timely manner.
To convert your credit card purchases into EMIs, you can contact customer care or you can also do it easily via internet banking.
No, you don't need to request the e-statement, but it will be sent to your registered email Id every month.
Axis Bank SELECT Credit Card

Axis Bank SELECT Credit Card

(4.6/5)

5 Comments

  1. Farhin shaikh Reply

    I am using select credit I want list of airport for avail airport lounges out of Iindia

    • Kartik Kanwar Reply

      You can check lounge access for Axis Bank Credit Cards here

  2. Riya Sharma Reply

    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.

  3. Rishabh Reply

    Axis bank has devalued most of their credit cards today. This comes as a huge disappointment. Please update the document with the new criteria and reward rates.

  4. Awadhesh Singh Reply

    Axis bank is slowly reducing benefits in it’s cards. For example, Swiggy 200 /- benefit was earlier applicable on purchase of 500/-, has now been increased to 1000/-. In percentage terms the benefits are 20% in comparison to earlier 40%. For other benefits I have better offering cards from other banks like BOB eterna, IDFC FIRST and of course HDFC diners black. Squeezing out customers will not help. I will be looking for VFM. I had earlier cancelled My Zone card for the same and before next renewal I will cancel my select card as well. I am having Axis cards for Swiggy benefits only. So, if these are not there, I have no requirement of these cards.

Write A Comment

Add cards to start comparing

Compare Cards