image of SBI Cashback

Axis Bank Select Credit Card

★★★★★(4.3)

Looking for a credit card that can unlock a world of travel, cashback rewards, and exciting benefits? Look no further than the Axis Bank Select Credit Card! For a joining and annual fee of ₹3,000, you'll enjoy a host of amazing perks, including a rewards rate ranging from 1% to 5%, free insurance coverage, discounts through Dining Delights, free golf rounds, milestone bonuses, free lounge access, and so much more. Keep reading to learn more. 👇

Apply NowCheck CIBIL Score
Axis Bank Select Credit CardFromSBI Bank
Powered ByVisa
Features and Benefits

Aspects that make spending using this card lit as the sun!

✔Welcome Bonus
✘Travel
✔Fuel
✔Rewards
✘Shopping
✘Cashback
✘Dining
✔Insurance
✘Interest
Welcome Bonus
Welcome Bonus
  • Amazon voucher worth ₹2,000 if the user makes the first purchase within 90 days of receiving the card.
Entertainment Benefit
Entertainment Benefit
  • Buy one movie ticket and receive up to ₹300 off on the second on BookMyShow. Save up to 20% on eating expenses.
Concierge Services
Concierge Services
  • 24×7 Dedicated Concierge Desk.
  • Enjoy complimentary services for assistance on flight bookings, table reservations, exclusive events/shows, gift deliveries and more.
  • Contact the concierge at 1800 103 4962
Lounge Access
Lounge Access
  • Note- Priority Pass will renew on spending ₹3 Lakhs in preceding card anniversary year.
  • 2 free domestic lounge visits (max 2 per quarter).
  • 12 international lounge access per year with a Priority Pass membership.
Insurance Benefit
Insurance Benefit
  • Purchase protection up to ₹ 1 Lakh.
  • Cumulative cover upto USD 500 for the following: Loss of travel documents Delay of Check-in baggage Loss of check-in baggage cover
  • Loss of travel documents
  • Delay of Check-in baggage
  • Loss of check-in baggage cover
  • Loss of travel documents
  • Delay of Check-in baggage
  • Loss of check-in baggage cover
Zero Lost Card Liability
Zero Lost Card Liability
  • If the missing card is reported to the bank promptly, the cardholder is not responsible for fraudulent purchases.
Reward Points
Reward Points
  • 10 Axis Edge Reward points on every ₹ 200 spent.
  • Earn 2X Reward points per ₹ 200 on Retail Shopping spends.
  • Reward Rate: 1% to 10%
Fuel Surcharge
Fuel Surcharge
  • Note- Service tax charged on fuel surcharge is non-refundable, and no reward points are earned on fuel transactions.
  • Get 1% fuel surcharge refund on fuel purchases at all fuel stations across India.
  • Valid on transactions between ₹ 400 and ₹ 4,000 only; Maximum benefits up to ₹ 400 per statement cycle.
Other Benefit
Other Benefit
  • Every year, the user will get 6 free rounds of golf. 3 more golf rounds with the Axis Bank Select Credit Card on minimum yearly spending of ₹3,00,000.
  • 20% off on a bill of ₹2000 of BigBasket (website and app) with maximum discount of ₹500 per month, applicable once per month.
  • 40% off on minimum purchase of ₹400 (valid twice a month) on Swiggy (website and app), with maximum discount upto ₹200.
Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹3,000

Annual Fee

₹3,000

Annual Percentage Rate

52.86%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.50%

Cash Advance Limit

40%

Card Replacement Fee

Nil

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

Nil

Reward Point Value

₹0.20
Pros

Aspects that make this credit card amazing.

  1. ⮚Useful rewards scheme.
  2. ⮚0% introductory APR offered on purchases and debt transfers for the first six months.
  3. ⮚Waiver of annual fee available. Several essential benefits, including travel insurance and extended warranty protection.
  4. ⮚Complimentary international lounge access is also available with Priority Pass Membership.
Cons

Aspects this credit card lacks.

  1. ⮚High annual interest cost.
  2. ⮚This card can only be used in India and is not useful for travels abroad except complimentary lounge access.
  3. ⮚Complicated rewards scheme.
  4. ⮚No reward earnings on fuel transactions.

Axis Bank Select Credit Card Review

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

For those who prefer shopping in stores, the Axis Bank SELECT Credit Card is a highly rewarding option as it offers double the rewards on retail shopping. The best part is that you can earn high rewards across all offline transactions, as the accelerated rewards on retail spends are not limited to specific categories. Moreover, the cardholders receive 6 complimentary international lounge visits and 6 more on reaching annual spends of ₹3 lakh, making it extremely beneficial considering the card's annual fee. Additionally, this card covers a wide range of everyday spending categories as it offers discounts on BookMyShow, Swiggy, and BigBasket. However, the catalogue redemption, as well as air mile conversion, lacks good redemption value, making it easier for the user to accumulate substantial reward points, but the value back against those rewards could have been better. Furthermore, as the card offers up to 12 international lounge visits in a year, having a low forex mark-up fee would have added value for travellers.

Overview

Best ForShopping, Travelling, Cashback
Joining Fee₹3000
Renewal Fee₹3000
Welcome BenefitsAmazon Voucher Worth ₹2000
Best Feature20% off on BigBasket, 40% off on Swiggy, 1-2% Rewards Rate

Who should get an Axis Bank Select Credit Card?

Axis Bank Select Credit Card is a good substitute if users want a credit card with high-end, multifaceted benefits. Travel, shopping, eating, grocery, fuel surcharges, milestone rewards, and many other categories are included. The exclusive memberships, discounts, and perks more than make up for the annual fee of ₹3,000. It has a fairly high reward rate, ranging from 1% to 2%. Earn 20 points for every ₹200 spent on "Retail Shopping" and 10 EDGE Reward Points (1% value) for every ₹200 spent on other purchases.

How to Apply for an Axis Bank Select Credit Card?

Axis Bank Select Credit Card Eligibility

  • Age: 18 to 70 years
  • Occupation: Salaried or Self Employed
  • Income: Net Income of 6 lakh per annum or more.

Documents Required

  • Proof of identity: 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: 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: 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.