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 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:

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:

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.

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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 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.