The Axis Bank Select Credit Card comes with an annual fee of Rs. 3000 and provides benefits for travel, shopping, dining, movies, and more. It covers almost all categories where people spend, making it a popular lifestyle credit card. With this card, you also get priority pass membership, which provides complimentary access to international and domestic airport lounges.
The card offers discounts at various restaurants through the Dining Delights program and also provides discounts on Swiggy orders. The Select Credit Card offers 10 EDGE Reward Points per Rs. 200 spent on retail purchases and 2X EDGE Points on reaching spending milestones. Additionally, users can earn bonus reward points on reaching spending targets and avail of a waiver on renewal fees upon reaching a certain expenditure threshold. The threshold is Rs. 6 lakh in a year.
To learn more about this credit card, keep reading..
- Joining Fee- Rs. 3,000 (plus applicable taxes)
- Renewal Fee- Rs. 3,000 (plus applicable taxes)
- Best Suited For- Travel | Shopping
- Reward Type- Reward Points
- Welcome Benefits- Amazon voucher (worth Rs. 2,000) on making the first transaction within 90 days of card issuance.
Rewards and Benefits
- Movie & Dining- Buy 1 movie ticket and get up to Rs. 300 off on second ticket on BookMyShow; get up to 20% discount on dining bills with Dining Delights.
- Rewards Rate- 10 EDGE Points per Rs. 200 spent and 20 EDGE Points per Rs. 200 spent on retail shopping.
- 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- Complimentary Priority Pass membership worth USD 99 and complimentary international and domestic lounge access
- 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- 6 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.
Fees & Charges
- Spend based Waiver- Renewal fee waived off on spending Rs. 6 lakh in a year
- 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 Charge- 2.5% of the amount withdrawn at a minimum of Rs. 500
- Add-on Card Fee- Nil
Product Details
- Amazon voucher (worth Rs. 2,000) on making the first transaction within 90 days of card issuance.
- 10 EDGE Points per Rs. 200 you spend with the card.
- 2X EDGE Points on retail shopping with the Axis Bank Select Credit card.
- 20% off up to Rs. 500 on a minimum purchase of Rs. 2,000 on BigBasket.
- 40% discount on Swiggy up to a max of Rs. 200 on orders above Rs. 400, twice a month
- 6 complimentary access to international airport lounges annually with a Priority Pass membership.
- 2 complimentary domestic lounge visits (every quarter).
- Up to 20% discount at partner restaurants with Dining Delights.
- 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.
- Purchase protection up to Rs. 1 Lakh and cover up to 500 USD for loss of travel documents, delay or loss of check-in baggage.
- 24×7 concierge services for flight booking, table reservation, gift delivery, etc.
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 wide range of exciting privileges in various categories, including travel, entertainment, dining, golf, insurance, and many more. Below is a detailed discussion of the features and benefits of the Axis Bank Select Credit Card:.
Welcome Benefits
You get an Amazon voucher that is worth Rs. 2,000 on performing first transaction within 90 days of card activation.
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.
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. 400 on Swiggy. Offer valid twice a month on a minimum transaction amount of Rs. 400 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 also doesn’t provide Golf benefits which are 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:
- 10 EDGE Points for every Rs. 200 spent with the card.
- 2X EDGE Points (20 EDGE Points) for every Rs. 200 spent on retail shopping.
- No EDGE Points on fuel purchases.
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.
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. 9 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:
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) |
How To Apply For Axis Bank Select Card?
To apply for any Select Credit Card, you can either visit the official website of Axis Bank or go to your nearest Axis Bank branch and apply online. To process your application, you will need to submit some documents. Follow the steps below to apply online for a Select Credit Card from 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 exact credit limit provided with the Axis Bank Select Credit Card is not explicitly disclosed by the bank. However, generally, it is more than INR 2 lakhs. Nevertheless, the credit limit may vary for different cardholders as it depends on factors such as their credit history, past payment behavior, income, and some other criteria. If you have been assigned a lower credit limit with your Select Credit Card, you can always contact Axis Bank Credit Card Customer Service or visit your nearest branch to request a higher credit limit. Before requesting an increase in your credit limit, ensure that your credit score is good and there are no pending payments, so that the card issuer can have confidence in 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.
Conclusion:
The Axis Bank Select Credit Card is a versatile credit card that offers benefits across almost all spending categories. From discounted rates on dining and movie tickets to access to domestic and international airport lounges, and extensive insurance coverage, this card is packed with all kinds of benefits and privileges that one would expect from a lifestyle credit card. HDFC Regalia Credit Card is one of its closest competitors. We have already reviewed the Regalia Credit Card in detail on Card Insider. Before making your decision, make sure to compare the benefits and drawbacks of both cards.
