Our Money Guide

The Axis Bank SELECT Credit Card is a good shopping card , especially if you want the flexibility of earning rewards on both online as well as in-store shopping. It has appealing partnerships with a variety of shopping and entertainment partners. It is especially attractive if you utilise all the lifestyle benefits on offer like complimentary airport lounge access both in India & abroad , and complimentary golf.

Brief Summary

Our Rating
4.0 / 5


Our View :

Best for those who like the flexibility of shopping online as well as face-to-face – since it gives 2% benefit rate on all retail shopping (on upto ₹20000 monthly purchases), combined with attractive offers on select partners like BigBasket, Swiggy, Eazydiner and BookMyShow.

It also offers attractive lifestyle benefits like complimentary airport lounge access both in India (upto 2 times per quarter) and abroad (upto 12 times per year), and complimentary golf (upto 9 free rounds per year).

The annual card spend target to get annual fee waived off (from 2nd year onwards) is on the higher side – ₹6 lakhs. The 1st year annual fee is of ₹3000 is partially compensated by welcome offer worth ₹2,000. If you utilise all the lifestyle benefits on offer , then the card is a good choice.

on Axis Bank website

Axis Bank SELECT Credit Card

Special Benefits

2% benefit on retail shopping

Other Benefits

Complimentary visits to airport lounges in India and abroad

Minimum Income

₹6 lakhs per year

Annual Fee

₹ 3000

Annual Fee Offers

Welcome offer worth ₹2000

Renewal offer – Renewal fee waived at ₹6 lakhs annual card spend

Axis Bank SELECT Credit Card : Summary Table

2X

2% benefit on retail shopping spends
You earn 10 EDGE REWARD Points worth ₹2 , on every ₹100 you spend on retail shopping – only on purchases upto ₹20,000 per month . 
– 1 reward point = ₹0.20 (20 paise), when you redeem points on Axis Bank’s reward redemption platform.

This special reward point earning rate is given only on retail shopping purchases upto ₹20,000 per month. You get basic benefit rate of 1% on monthly shopping purchases beyond ₹20,000.
X

1% benefit on all other spends
You earn 5 EDGE Reward points worth ₹1, on every ₹100 you  spend on all other purchases.
– 1 reward point = ₹0.20 (20 paise), when you redeem points on Axis Bank’s reward redemption platform.

Exceptions : No reward points are given on the following types of spends – fuel, rent, wallet load, jewellery, EMI transactions, cash advances, payment of outstanding balances, payment of card fees and other card charges.
Milestone benefits You get additional benefits, based on your annual spending on the card :
– You earn 5000 EDGE points worth ₹1000 , when your annual card spend reached ₹3 lakhs
– Rent and wallet transactions are not included towards reaching this annual spend target of ₹3 lakhs
Complimentary airport lounge access abroad – upto 12 times per yearYou get international airport lounge access through the Priority Pass Program – upto 12 times per year.
– Priority Pass membership is activated by doing one transaction on your card , within 90 days of receiving the card.
– Your complimentary Priority Pass is renewed each year, only if you spend ₹3 lakhs or more on your card, in the previous year.
– To know more details on this program, please click here .
Complimentary airport lounge access in India – upto 2 times per quarterTo know more details on this program, please click here .
₹500 discount per month – on grocery purchases on BigBasket
BigBasket Offer
– You get 20% discount (upto ₹500), on BigBasket spends.
– Minimum purchase of ₹2000 is necessary.
– Offer valid once per month , only on an online order (website, mobile site and app) made with Axis Bank Select Credit Card.
– Offer not applicable on products from Bigbasket Specialty Store, and excludes the following products – baby cereals, baby foods, infant formula, organic baby foods and Srilalitha rice of all pack sizes

Hence you get 20% discount on a BigBasket order between ₹2000 and ₹2500, once per month. On an order above ₹2500, your discount% will fall below 20%.

For more details on this offer , please click here .
₹300 discount per month – on movie ticket purchases on BookMyShowBookMyShow BOGO (Buy One Get One Free) Offer
— Offer valid once per month, when payment is made with the Axis Bank Select Credit Card
– You get up to ₹300 off on the 2nd ticket , on BookMyShow.
₹400 discount per month – on food delivery orders on Swiggy
Swiggy Offer
– Offer valid 2 times per month , when payment is made with the Axis Bank Select Credit Card.
– You get ₹200 discount, on orders on Swiggy mobile app or website.
– Minimum order of ₹500 is necessary.
– Hence you get 40% discount on an order of ₹500, twice per month. Discount% will fall as order size increases over ₹500
Dining benefits (Dining Delights program) :
– 25% discount (upto ₹800) at restaurants, in partnership with EazyDiner
Offer valid once per month

– You get a 25% discount up to ₹800 , at over 4,000 restaurants nationwide.
– Minimum order amount of ₹2,500.
– Hence you get a 25% discount on orders between ₹2,500 and ₹3200. On orders above ₹3200, your discount% will be below 25% since maximum discount is fixed at ₹800.
Complimentary golf rounds – upto 9 per year– You get 6 complimentary golf rounds per year.
– You get additional 3 complimentary golf rounds per year , upon spending ₹3 lakhs on your card during the year.
– For more details like list of available golf courses and booking process, please click here, and here .
1% fuel surcharge waiverYou get 1% fuel surcharge waiver at all fuel stations across India –
– Only on fuel transactions between ₹400 and ₹5,000 AND
– Only on upto ₹40,000 fuel spend per month, since the maximum waiver is capped at ₹400 per monthly card statement cycle.
Exclusive deals on Axis Grabdeals platformAxis Grabdeals is a platform where Axis Bank presents its exclusive tieups with a large variety of partners. There are more than 50 exclusive deals available on Axis Grabdeals – from large online stores, fashion, groceries, travel etc. 

For details, please visit click here – Axis Grabdeals Platform
₹3,000 annual feeAnnual fee offers – 
Welcome offer : You receive 10,000 EDGE reward points worth ₹2,000 , on your first card transaction. This first transaction needs to be done within 30 days of card issuance.
Renewal fee offer : Annual fee is not charged from the second year onwards if you spend ₹6 lakhs or more in the previous year.

Note: For Axis Burgundy customers only, the card is free for life.
Minimum income requirements₹6 lakhs per year

Pros & Cons

Benefits of using the Axis Bank SELECT Credit Card

  • Decent benefit rate on offline shopping also (since many cards in the marketplace give high rewards only on online shopping), especially if one combines it with lifestyle benefits (airport lounges and golf), and with partner specific programs with BigBasket, BookMyShow, Swiggy and Eazydiner.

Limitations and drawbacks to consider

  • High annual spending target to receive annual fee waiver, from second year onwards

Full Review of the Axis Bank SELECT Credit Card

Features & Benefits of Axis Bank SELECT Credit Card

2% benefit on retail shopping spends (2X)

Earning special rewards : You earn 20 EDGE REWARD Points on every ₹200 you spend on retail shopping = 10 EDGE REWARD Points on every ₹100 = ₹2 on every ₹100 you spend on retail shopping. Since 1 reward point = ₹0.20 (20 paise), when you redeem points on Axis Bank’s reward redemption platform. Click here for details.

Limits and restrictions on earning rewards : This special reward point earning rate (described above) is given only on retail shopping purchases upto ₹20,000 per month. You get basic benefit rate of 1% on monthly shopping purchases beyond ₹20,000.

Redeeming rewards : You can redeem EDGE reward points on Axis Bank EDGE Rewards platform for a range of exciting offers, including gift vouchers, products, and more. You can access the Axis Bank EDGE Rewards platform through the Axis Bank EDGE Rewards Portal, mobile app, or Internet banking.

Customers can also redeem their EDGE REWARD points by ‘Pay with Points via SMS’, and ‘Online Pay with Points Redemption’ – which can be used for eligible transactions at various online and offline merchants.

1 EDGE REWARD Point = ₹0.20 or 20 paise. Click here for details.

Another option is to convert EDGE REWARD points into Partner Points at airline & hotel loyalty programs. 5 EDGE REWARD points = 1 partner point (at Vistara, SpiceJet, Airasia & ITC loyalty programs). 10 EDGE REWARD points = 1 partner point (at various other loyalty programs). For details, please click here and refer to the column under Select & Privilege Credit Card.

Other important information : Reward points are valid for 3 years.

1% benefit on all other spends (X)

Earning rewards: You earn 10 EDGE REWARD Points on every ₹200 you spend on all other purchases = 5 EDGE REWARD Points on every ₹100 = ₹1 on every ₹100 you spend on all other purchases. Since 1 EDGE Reward Point = ₹0.20 (20 paise), when you redeem points on Axis Bank’s reward redemption platform. Click here for details.

Restrictions on basic benefits : No reward points are earned on the following types of spends – fuel, rent, wallet load, jewellery, EMI transactions, purchases converted to EMI post facto, cash advances, payment of outstanding balances, payment of card fees and other card charges.

Redeeming reward points and other important information : same as explained in the above section.

Milestone benefit

Earning rewards : You get additional benefits, based on your annual spending on the card :
– You earn 5000 EDGE points worth ₹1000 , when your annual card spend reached ₹3 lakhs

Restrictions on basic benefits : Rent and wallet transactions are not included towards reaching this annual spend target of ₹3 lakhs

Complimentary airport lounge access abroad – upto 12 times per year

You get international airport lounge access through the Priority Pass Program – upto 12 times per year.
– Priority Pass membership is activated by doing one transaction on your card , within 90 days of receiving the card.
– Your complimentary Priority Pass is renewed each year, only if you spend ₹3 lakhs or more on your card, in the previous year.
– To know more details on this program, please click here .

Complimentary airport lounge access in India – upto 2 times per quarter

To know more details on this program, please click here .

Upto ₹2000 per month of discounts at 4 specific partner programs : BigBasket || Eazydiner || BookMyShow || Swiggy

BigBasket Offer
– You get 20% discount (upto ₹500), on BigBasket spends.
– Minimum purchase of ₹2000 is necessary.
– Offer valid once per month , only on an online order (website, mobile site and app) made with Axis Bank Select Credit Card.
– Offer not applicable on products from Bigbasket Specialty Store, and excludes the following products – baby cereals, baby foods, infant formula, organic baby foods and Srilalitha rice of all pack sizes

Hence you get 20% discount on a BigBasket order between ₹2000 and ₹2500, once per month. On an order above ₹2500, your discount% will fall below 20%. For more details on this offer , please click here .

Eazydiner
– You get a 25% discount up to ₹800 , at over 4,000 restaurants nationwide. Minimum order amount of ₹2,500.
– Hence you get a 25% discount on orders between ₹2,500 and ₹3200. On orders above ₹3200, your discount% will be below 25% since maximum discount is fixed at ₹800.
– This offer can be redeemed once every month.
– Offer valid till 30th June 2024
– Offer applicable on booking via the Axis Bank Dining Delights Program on EazyDiner 
– Escalations: ED Concierge Board Number & email ID : Phone No.7861004444 Email: booking@eazydiner.com
– For a list of participating restaurants and more information, please visit here.

BookMyShow BOGO (Buy One Get One Free) Offer
– You get up to ₹300 off on the 2nd ticket , on BookMyShow.
– Offer valid once per month, when payment is made with the Axis Bank Select Credit Card

Swiggy Offer
– You get ₹200 discount, on orders on Swiggy mobile app or website.
– Minimum order of ₹500 is necessary.
– Hence you get 40% discount on an order of ₹500, discount% will fall as order size increases over ₹500
– Offer valid 2 times per month , when payment is made with the Axis Bank Select Credit Card.

Complimentary golf rounds – upto 9 per year

– You get 6 complimentary golf rounds per year.
– You get additional 3 complimentary golf rounds per year , upon spending ₹3 lakhs on your card during the year.
– For more details like list of available golf courses and booking process, please click here, and here .

Other Cardholder Benefits

1% fuel surcharge waiverApplicable fuel stations and brands : A fuel surcharge is applicable at all petrol stations.
– Only on fuel transactions between ₹400 and ₹5,000 AND
– Only on upto ₹40,000 fuel spend per month, since the maximum waiver is capped at ₹400 per monthly card statement cycle

No reward points are earned on fuel spends.
Easy EMI conversions– Customers can convert their credit card purchases of ₹2,500 or more into easy EMIs.
– The program offers the convenience of paying back in parts rather than the entire amount upfront.
24/7 customer supportPlease click here for all the options to contact the bank for various issues and escalations
Security featuresChip and PIN technology – security for offline transactions : In the past, credit cards typically used a magnetic stripe located on the back of the card to store and transact data. However, the latest generation of credit cards includes a CHIP and PIN feature, which provides enhanced security. Only you know your PIN, so even your card is lost it is unlikely to be misused since BOTH the physical card and the PIN is required to spend on the card

Two-factor authentication – security for online transactions : When making an online transaction, you approve your online transaction through using a One-time Password (OTP) which you get on your mobile phone . Since only you know the OTP, the card is unlikely to be misused unless someone has access to BOTH your card details AND your mobile phone. This ensures a safe online purchase experience.

SMS alerts and notifications – for both offline and online transactions : For your peace of mind, you get free SMS alerts and notifications for all your credit card transactions. Hence you will know about all transactions on your card. In the unlikely scenario of your card being misused, you would still get these alerts and notifications – which will help you to immediately block your credit card.
Contactless payment– Look for the contactless network symbol on your card to determine if your credit card is contactless.
– In India, contactless payments are allowed for a maximum of ₹5000 for a single transaction without requiring a Credit Card PIN. For transactions equal to or higher than ₹5000, the cardholder must input their Credit Card PIN for security reasons.

Important Card Fees and Charges

Annual fee and annual fee offers

Annual feeAnnual fee offers
1st year joining fee₹3,000Welcome offer : You receive 10,000 EDGE reward points worth ₹2,000 , on your first card transaction. This first transaction needs to be done within 30 days of card issuance.
Renewal fee from 2nd year onwards₹3,000Renewal fee offer : Annual fee is not charged from the second year onwards if you spend ₹6 lakhs or more in the previous year.
– Rent transactions and wallet load transactions will not be eligible for spends counted towards availing above annual fee waiver.
Note: For Axis Burgundy customers only, the card is free for life.

Late payment fee

Late payment fee depends on the total payment due

Total bill amount dueLate payment charges
Less than ₹500Zero
Between ₹501 – ₹5000₹500
Between ₹5,001 – ₹10,000₹750
More than ₹10,001₹1,200

Foreign currency mark-up fee
3.50% of the transaction amount. This fee is charged when you use your card outside India.

Finance charges
3.60% per month

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – Axis Bank SELECT Credit Card Charges

Eligibility Criteria

Minimum income requirements₹6 lakhs per year
Minimum age18 years
Maximum age70 years
Occupation Salaried, self-employed
Minimum income requirementsNot specified
Credit scoreNot specified , preferably above 750
Residential status Resident of India, NRI

Application Process

Step-by-step guide to applying for the card

Online application processThe easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Axis Bank website. You can also visit official website of the bank and fill out the application form.

Steps :
– The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy
– To apply, simply provide your personal details such as your mobile phone number, income, PAN number, along with the required documents 
– Review your application and click submit.
Await confirmation from Axis Bank regarding the status of your application.
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Approval timeline and processThe credit card decision would be communicated within 21 working days, in most cases. In certain cases, it could take longer especially if the bank would want more information and/or documents from you

Please click here to track the status of your Axis Bank Credit Card application.

Necessary documents and verification

Required documents 
– PAN card photocopy or Form 60
– Colour photograph
– Income proof : Latest payslip/Form 16/IT return copy 
– Residence proof (any one of the following) : Passport , Ration Card, Electricity bill, Landline telephone bill
– Identity proof (any one of the following) : Passport, Driving license, PAN card, Aadhaar card

Please note that this list is only indicative. Documents required may vary on a case-to-case basis.

Conclusion

In conclusion, the Axis Bank SELECT Credit Card is a good shopping card which rewards both online and in-store shopping, and has some appealing partnerships with a variety of shopping and entertainment partners. If you can utilise most of the attractive lifestyle benefits on offer, then the card is a good choice.

Apply Now

on Axis Bank website

Frequently Asked Questions

How can I apply for the Axis Bank SELECT Credit Card?

The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Axis Bank website. You can also visit official website of the bank and fill out the application form.

How does the Axis Bank SELECT Credit Card’s rewards program work?

The Axis Bank SELECT Credit Card rewards program allows you to earn EDGE REWARD Points on your everyday purchases. These points can be accumulated and later redeemed for various options such as merchandise, travel bookings, gift vouchers, and more.

Is the Axis Bank SELECT Credit Card equipped with contactless payment technology?

Yes, the Axis Bank SELECT Credit Card is contactless-enabled, allowing you to make quick and secure payments by simply tapping the card at enabled terminals. This feature enhances convenience and speeds up transactions.

Can I convert high-value purchases into easy monthly instalments?

Yes, the Axis Bank SELECT Credit Card offers the option to convert high-value purchases into convenient monthly instalments with attractive interest rates. This feature provides flexibility in managing expenses and helps you budget effectively.

Compare Products
Action Add Product
Image
Title
Price
Stock Status
Quantity
Add To Cart
Review
IndusInd Nexxt Credit Card
IndusInd Nexxt Credit Card
0 customer review
Yes Bank BYOC Credit Card
Yes Bank BYOC Credit Card
0 customer review
Air India SBI Platinum Card
Air India SBI Platinum Card
0 customer review
Air India SBI Signature Card
Air India SBI Signature Card
0 customer review
SBI Etihad Guest Card
Etihad Guest SBI Card
0 customer review
SBI Etihad Premier Card
Etihad Guest SBI Premier Card
0 customer review
SimplySAVE UPI SBI Card
SimplySAVE UPI SBI Card
0 customer review
Paytm SBI Card
Paytm SBI Card
0 customer review
Apollo SBI Card
Apollo SBI Credit Card
0 customer review
SBI Ola Card
OLA Money SBI Credit Card
0 customer review