Axis Bank Select Credit Card

The extra premium Axis Bank SELECT Credit Card is designed for heavy consumers. It provides numerous advantages for travel, shopping, lifestyle, meal delivery, and grocery through coupons and online discounts, amply justifying the Rs. 3,000 yearly subscription. Additionally, because you receive renewal fee waivers and milestone bonuses, the high reward rate on each expenditure makes it simple to maximize rewards while using the card frequently.

The Axis Bank Select credit card is the best option for those who enjoy lavish living and value a good life. People who like to look for an equilibrium of features and perks in a credit card may find this card to be an instant choice thanks to exclusive shopping vouchers, free lounge visits, and no annual or signup charge.

Its broad coverage of consumer spending categories makes it a popular lifestyle credit card. With this card, you receive a Priority Pass membership, which grants you free access to domestic and international airport lounges.

One of the greatest credit cards for handling your regular financial needs is the SELECT card

Features And Benefits Of Axis Bank Select Credit Card

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 lot of exciting privileges in different categories, including travel, entertainment, dining, golf, insurance, and many more. The features and the benefits of the Axis Bank Select Credit Card have been discussed in detail below:

Welcome Benefits

• Amazon voucher worth Rs. 2,000 on your first transaction. The first transaction should be made within 90 days from the date of card issuance.

Axis EDGE Reward Points

• Earn 10 Axis EDGE Reward Points on every Rs. 200 spent.
• Earn 2X per Rs. 200 on Retail Shopping spends.

Shopping Benefits

20% off (max. Rs. 500) on BigBasket, once per month

• A minimum transaction of Rs. 2,000 is required to get this discount
• Orders should be placed via BigBasket website or mobile app

40% off (max. Rs. 200) on Swiggy, twice a month

• A minimum transaction of Rs. 400 should be made to get the discount
• Use promo code AXIS200 at the checkout

Buy 1 Get 1 Free on BookMyShow, once per month

• Maximum discount of Rs. 300 is given on the second ticket purchased via the BookMyShow website or mobile app

Travel Benefits

• Complimentary Priority Pass Membership (worth $99) with 6 complimentary international lounge visits in a year
• 2 complimentary domestic lounge visits per quarter

Annual Benefits

• Renewal from the Priority Pass membership from year 2 onwards – on spends of Rs. 3 lakh in the preceding year
• Renewal of offers on BigBasket, Swiggy, and BookMyShow

Milestone Benefits

• 5000 EDGE points on spending Rs. 3 lakh in a card anniversary year
• Waiver of annual fee on spending Rs. 6 lakh in a card anniversary year

Movie And 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.

Gold Access

• 6 complimentary rounds of Gold in a year.
• 3 additional visits on annual sending of Rs. 3 Lakhs. 

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.

24 x 7 Concierge Benefits

• Complimentary assistance on flight booking, exclusive events & shows, table reservations, gift deliveries , and so on.
• Contact at 1800 103 4962 to avail of concierge services.

Fees And Charges Of Axis Bank Select Credit Card

Charges	Select Credit Card
Standard Joining Fee	Rs 3000 (NIL for Burgundy)
Standard Annual Fee (2nd year onwards)	Rs 3000 (NIL for Burgundy)
Standard Add-on Card Joining Fee	NIL
Standard Add-on Card Annual Fee	NIL
Finance Charges (Retail Purchases & Cash)	3.6% per month (52.86% per annum)
Cash Withdrawal Fees	2.5% (Min. Rs 500) of cash Amount
Fee for Cash Payment	Rs. 100
Card Replacement	Nil
Duplicate Statement Fee	Waived
Overdue Penalty or Late Payment Fee	Nil if Total Payment Due is up to Rs. 300
	Rs. 500 if total payment due is between Rs. 501 – Rs. 5,000
	Rs. 750 if total payment due is between Rs. 5,001 – Rs. 10,000
	Rs. 1200 if total payment due is greater than Rs.10,000
Over Limit Penalty	2.5% of the overlimit amount (Min. Rs 500)
Chargeslip Retrieval Fee or Copy Request Fee	Waived
Outstation Cheque Fee	Waived
Cheque return or dishonor fee or auto-debit reversal	2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,502
Surcharge on purchase or cancellation of Railway Tickets	As prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee	3.50% of the transaction value
Rent Surcharge Fee*	1% of the rental txn amount (capped at Rs 1500 per txn)
Dynamic Currency Conversion markup fee**	1% of each international txn plus taxes
Mobile Alerts for Transactions	Waived
Hotlisting Charges	Waived
Balance Enquiry Charges	Waived
Reward Redemption fee	Waived

Eligibility And Documents Required For Axis Bank Select Credit Card

Axis Bank has stipulated a few conditions that you must meet to grab this credit card.

• Both Residents of India and Non-Indian residents can apply for a credit card.
• The age of the primary cardholder must be between 18 and 70 years at the time of application
• The age of the add-on cardholder must be more than 18 years
• You must have a net annual income of ₹9 lakh and more.

Documents To Be Submitted

• Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
   
• Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
   
• Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.

How To Apply For Axis Bank Select Credit Card?

Individuals interested in procuring an Axis Bank Select Credit card can apply for this card online as well as offline. Here’s how they can do it:

Offline method:

• Applicants can walk into their nearest branch of Axis Bank and can ask for an application form. After filling up the form, they can attach the necessary documents and identity proofs and submit the form at the branch itself.
• Applicants can call the Axis Bank phone banking number 1-860-419-5555 or dial 1-860-500-5555 (with the STD code of their area) and ask the Axis bank credit card customer care executive to put them in touch with the credit card department.

Online method:

One can apply for the Select credit card online on their official website or by visiting your nearest Axis Bank branch. You’ll need to submit a few documents in order for your application to be processed. Following are the steps to be followed in order to apply online for the Select Credit Card by 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.

Axis Bank Select Credit Card 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 Axis Bank Select Credit Card’s credit limit has not been made explicit by the bank, however it is typically higher than Rs. 2 lakhs. However, depending on the cardholder’s credit history, past payment history, income, and a few other factors, the credit limit may change for various cardholders. If your Select Credit Card has a lesser credit limit, you may always ask for a higher credit limit by calling the Axis Bank credit card customer service or going to your local bank. In order for your card issuer to trust you and grant you a greater credit limit, ensure that you have a solid credit score and no outstanding payments before applying to have your credit limit extended.

Axis Bank Select Credit Card Activation And 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.

Should You Get This Card?

Axis Bank SELECT is a good alternative if you demand high-end, multifaceted advantages from a credit card. It includes nearly all areas, including shopping, dining, grocery, gasoline surcharges, milestone offers, and a lot more. Although the Rs. 3,000 yearly cost ($0 for Burgundy cardholders) may seem a bit excessive, the exclusive memberships, discounts, and advantages more than make up for it. Its rewards rate ranges from 1% to 2%, which is a significant amount. For every Rs. 200 spent, you can receive 10 eDGE reward points (1% value) and 20 points per Rs. 200 for ‘Retail Shopping’ purchases (2% value).

Additionally, Priority Pass Membership and other travel perks like free access to domestic and international airport lounges are fantastic for frequent travelers. Additionally, users receive six free rounds of golf each year. Moreover, 3 additional rounds of golf for every Rs. 3 lakh spent over the course of a card year. For those who prefer incentives over cashback and want to take advantage of several features, this card is the best option. Additionally, if you currently use Axis Burgundy, you may add this card to your wallet at no extra cost.

Pros	Cons
1% to 2% rewards rate, which is pretty decent	No reward points are earned on fuel transactions
Almost all categories are covered under benefits and rewards	High forex markup fee i.e. 3.5%
Annual fee waiver benefit available	The annual fee is waived off only if the minimum annual spending condition i.e. Rs. 6 lakh, is met
International as well as domestic airport lounge access with complimentary Priority Pass Membership	Zero annual fee benefit is restricted to Burgundy  cardholders

Cards Similar To Axis Bank Select Credit Card

Credit Card	Annual Fee	Comparative Feature
Axis Bank Magnus Credit Card	Rs. 10,000	1 free domestic flight ticket8 free International Priority Pass lounge visits
Axis Bank Burgundy Private Credit Card	Nil for Burgundy Members	Get 0% Forex mark-up feeUnlimited lounge visits (international & Domestic)
RBL World Safari Credit Card	Rs. 3,000	Zero Foreign Currency Mark-up FeePriority Pass Membership
YES First Preferred Credit Card	Nil	1.75% Foreign Currency Conversion FeePriority Pass Membership
SBI Elite Credit Card	Rs. 4,999	Free domestic and international lounge visitsForex Mark-up fee is 1.99%

Axis Bank Select Credit Card vs HDFC Regalia Credit Card vs SBI Prime Credit Card

Benefits	Axis Bank Select Credit Card	HDFC Regalia 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 Dine out passport membership.	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 Vs. Axis Bank Atlas Credit Card

Features/Charges	Axis Bank Select credit card	Axis Bank Atlas credit card
Joining Fees	NIL	Rs. 5,000 + taxes
Annual Fees	NIL	Rs. 5,000 + taxes
Welcome Benefits	Get a complimentary SonyLiv Premium annual subscription worth Rs. 999 on this card	Get 5,000 Edge Miles within 30 days of paying joining fees
Cashback / Rewards point	Earn 4 EDGE Points for every Rs 200 spent with the card (reward rate of 0.4%)	Get 5 Edge Miles for every Rs. 100 spent on travel, and 2 Edge Miles for every Rs. 100 spent on all other transactions excluding spends on Hotels, TRAVEL EDGE Portal, and Airlines*
Dining benefits	Get a discount of 15% at partner restaurants under the ‘Dining Delights’ program by Axis Bank using this card	Get a discount of 20% at partner restaurants by using this card this offer is valid twice a month*
Travel benefits	Get 1 Complimentary visit to domestic airport  lounge access every quarter using this card	Get complimentary airport lounge access, airport concierge service, and chauffeured airport pickup service on this card*
Annual fees waiver	Nil	N/A
Fuel surcharge waiver	Get a fuel surcharge waiver of 1% with this card at all fuel pumps across India	Get a fuel surcharge waiver of 1% with this card at all fuel pumps across India

Axis Bank Privilege Credit Card Vs. Axis Bank Select Credit Card

Categories	Axis Bank Privilege Credit Card	Axis Bank Select Credit Card
Joining Fees	Rs. 1,500	Rs. 3,000
Editor’s Rating	4.2	4.5
Key Features	As an activation benefit, avail 12,500 EDGE Reward Points that are redeemable against travel or shopping vouchers worth Rs. 5000  Annual fees reversal on achieving spends of Rs. 2.5 Lakhs Earn 3000 EDGE REWARD points on credit card renewal  By converting the earned EDGE REWARD points to Paytm flight & hotel vouchers worth twice the value, you can double the benefit upon achieving spends milestone of Rs. 2.5 lakh Get 20% off at 4000+ partnered restaurants Earn Axis EDGE REWARD points for transactions and 500+ rewards and offers to redeem points On every Rs 200 spent on the credit card domestically/Internationally earn 10 points 2 Complimentary domestic airport lounge access Avail Fuel Surcharge Waiver  Avail up to Rs. 2.5 crore for Air Accident Cover On transactions over Rs. 2500, convert the purchases into EMIs	24×7 dedicated concierge Explore curated experiences from across the world with Extraordinary Weekends 1% fuel surcharge refund on fuel transactions between Rs. 400 and Rs. 4000 only. Maximum benefits up to Rs. 400 per month 20% off at partnered restaurants in India Air Accident cover up to Rs. 2.5 Crore Purchase protection up to Rs. 1 Lakh Cumulative cover up to USD 500 for loss of travel documents, delay of check-in baggage, and loss of check-in baggage cover
Editor’s Review	Pros Milestone and Activation benefits Complimentary Airport Lounge Access Annual Fee is Low Cons  No complimentary Golf lessons Annual interest rate is too high The total benefits on the Axis Bank Signature Credit card with Lifestyle Benefits is approximately more than Rs. 33,000, whereas the total benefits on the Axis Bank Privilege Credit Card is approximately more than 27600	Pros Amazon Voucher worth Rs 2000 on card activation 20% off up to Rs. 500 p.m. on Bigbasket 40% off up to a maximum of Rs. 200 on Swiggy Cons             High-interest rate High Joining/Renewal Fee

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 flexible card that offers advantages across practically all spending areas. The card offers all the benefits and privileges one would anticipate from a lifestyle credit card, including lower prices on dining and movie tickets, free access to domestic and international airport lounges, and extensive insurance benefits. One of its main rivals is the HDFC Regalia Credit Card.

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