Axis Bank Select Credit Card

Name: Axis Bank Select Credit Card
Brand: Axis Bank
Price: 3000 INR
Availability: InStock
Rating: 3.5 (1 reviews)

Overview

Axis Bank Select Credit Card sits in the premium mid-tier of the Axis portfolio, priced at ₹3,000 annually with a complete fee waiver at ₹8 lakh spend. Free for Burgundy account holders, it carries Axis Bank's established rewards infrastructure and Priority Pass membership from day one.The standout feature is up to 12 complimentary international airport lounge visits through Priority Pass, a benefit typically reserved for cards costing ₹5,000 or more. Domestic lounge access adds 2 visits per quarter when quarterly spend exceeds ₹50,000. Six complimentary golf rounds per year, expanding to 12 on crossing ₹3 lakh in spending, further strengthen the lifestyle package.Everyday spenders earn 10 EDGE Reward Points per ₹200 across all purchases, with double points on retail shopping categories like department stores, grocery, and clothing. Monthly discounts on BigBasket (₹500 off), Swiggy (₹200 off twice monthly), and buy-one-get-one movie tickets through the District app cover recurring lifestyle expenses.Where the Select card stands apart from other mid-range options is the combination of Priority Pass access, golf privileges, and achievable milestone rewards at a ₹3,000 price point. The 3.5% forex markup and 1% surcharges on rent, fuel (above ₹50K), and utilities (above ₹25K) per cycle are limitations worth noting for specific spending patterns.

Pros

↑Up to 12 international lounge visits via Priority Pass and 8 domestic visits annually at a ₹3,000 fee point is exceptional value for frequent airport visitors
↑2x EDGE Reward Points on retail shopping (department stores, grocery, clothing) up to ₹20,000 monthly delive₹2% return on everyday spending categories
↑Fee waiver at ₹8 lakh annual spend plus milestone bonus of 5,000 points at ₹3 lakh make the card effectively free for active users

Cons

↓3.5% foreign currency markup plus 1.5% DCC fee makes international purchases expensive, offsetting the lounge benefit for overseas travellers
↓Base reward rate of 10 points per ₹200 (1% return) outside retail categories is below average for a ₹3,000 annual fee card
↓1% surcharges on rent, wallet loads (above ₹10K), fuel (above ₹50K), and utilities (above ₹25K) per cycle add hidden costs for high-volume users

Key Highlights

Welcome Offer
10,000 EDGE Points worth ₹2,000 on first transaction
Credited on first card transaction within 30 days
Points credited within T+15 business days
Not applicable for lifetime free or Burgundy holders
1 EDGE point = approximately ₹0.20

Reward Rate
10 EDGE Points per ₹200, 2x on retail shopping
10 points per ₹200 on all eligible spends
2x (20 points per ₹200) on retail shopping
Retail: department stores, grocery, clothing, accessories
2x capped at ₹20,000 cumulative per month

Minimum Salary
₹6 lakh minimum annual income
Age: 18 to 70 years
Must be Indian resident
Minimum ₹6 lakh annual income
PAN card and income proof required

Joining Fee
₹3,000 (NIL for Burgundy account holders)
Joining fee: ₹3,000 + GST
Free for Burgundy account holders
Standard annual fee also ₹3,000
Add-on cards: free

Annual Fee
₹3,000 per year, waived at ₹8 lakh spend
Annual fee: ₹3,000 + GST from 2nd year
Waived on ₹8 lakh spend in anniversary year
NIL for Burgundy account holders
Excludes: rent, fuel, insurance, utilities, wallet

Why Choose?
12 international lounges via Priority Pass at mid-range fee
Up to 12 intl lounge visits via Priority Pass
2 domestic visits per quarter on ₹50K spend
6 golf rounds per year (12 at ₹3L spend)
BOGO movies, BigBasket, Swiggy offers

Key Benefits

Dining

★3.0

▼

Axis Bank Dining Delights at premium restaurants across India
Swiggy: ₹200 off on ₹1,000+ orders, twice monthly (code AXIS200)
Wednesday Delight: 10% off Swiggy every Wednesday
10% off up to ₹1,000 on Tira beauty every Wednesday

Fuel

★3.0

▼

1% fuel surcharge waiver on ₹400 to ₹4,000 transactions
Maximum benefit: ₹400 per statement cycle
Available at all fuel stations across India
1% fee on cumulative fuel spends above ₹50,000 per cycle
No reward points on fuel transactions

Lifestyle

★3.5

▼

6 complimentary golf rounds per year via Extraordinary Weekends
Additional 6 rounds on ₹3 lakh spend (12 total)
BOGO movie tickets on District app (up to ₹250 off, twice monthly)
Wednesday Delight: 15% off MMT flights, 10% off Swiggy and Tira
Extraordinary Weekends curated premium experiences

Milestone

★3.5

▼

5,000 EDGE Points on ₹3 lakh spend in anniversary year
Complete annual fee waiver on ₹8 lakh spend
Spend threshold excludes insurance, rent, fuel, education, utilities, wallet, gold
Priority Pass renewal on ₹3 lakh spend

Reward Points

★3.0

▼

10 EDGE Reward Points per ₹200 on all eligible spends
2x points (20 per ₹200) on retail shopping categories
Retail includes department stores, grocery, clothing, accessories
2x capped at ₹20,000 cumulative transactions per month
Exclusions: insurance, rent, fuel, education, utilities, telecom, wallet, gold, government
₹99 redemption fee per transaction

Shopping

★3.0

▼

2x EDGE Points on retail shopping (dept stores, grocery, clothing)
BigBasket: ₹500 off on ₹2,500+ purchase, once monthly (code AXISSELECTCC)
2x points capped at ₹20,000 per month
Standard 10 points per ₹200 on other eligible purchases

Airport Lounge Access

▼

Up to 12 complimentary international lounge visits via Priority Pass
Priority Pass renews on ₹3 lakh spend in preceding anniversary year
2 domestic lounge visits per quarter on ₹50,000 quarterly spend
Up to 8 domestic visits annually at full utilisation

Insurance

▼

Purchase protection up to ₹1 lakh
Travel cover up to $500 cumulative
Covers loss of travel documents
Covers delay and loss of check-in baggage

Detailed Information

Joining Fee	₹3,000 + GST (NIL for Burgundy account holders)
Annual Fee	₹3,000 + GST from 2nd year (NIL for Burgundy)
Annual Fee Waiver	Waived on ₹8 lakh spend in anniversary year (excludes rent, fuel, insurance, utilities, wallet, gold)
Monthly Percentage Rate	3.75%
Annual Percentage Rate	55.55%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5% + 1.5% DCC markup
Late Payment Charges	NIL up to ₹500 due; ₹500 (₹501-₹5,000); ₹750 (₹5,001-₹10,000); ₹1,200 (above ₹10,000). Extra ₹100 for missing MAD two consecutive cycles
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹500)
Card Replacement Fee	NIL
Fee For Duplicate Statement	Waived
Fee For Cheque Bounce	2% of payment amount (min ₹500)

Age Requirement Salaried	18-70 years
Age Requirement Self Employed	18-70 years
Minimum Annual Income Salaried	₹6 lakh per annum
Minimum Annual Income Self Employed	₹6 lakh per annum (indicative)
Minimum Credit Score	Not specified (bank discretion)

Identity Proof	PAN Card (mandatory)
Address Proof	Driving License, Electricity Bill, or Landline Telephone Bill
Income Proof Salaried	Latest payslip, Form 16, or IT return
Income Proof Self Employed	IT return or equivalent income proof

Frequently Asked Questions

The annual fee is ₹3,000 plus GST. The fee is completely waived if you spend ₹8 lakh in a card anniversary year. Burgundy account holders get the card at no cost.

You earn 10 EDGE Reward Points for every ₹200 spent on eligible transactions. Retail shopping categories (department stores, grocery, clothing) earn 2x points up to ₹20,000 cumulative per month.

New cardholders receive 10,000 EDGE Reward Points worth ₹2,000 on their first card transaction. The transaction must be completed within 30 days of card issuance. Not applicable for lifetime free or Burgundy account holders.

You get up to 12 complimentary international airport lounge visits per year through Priority Pass. Additionally, 2 domestic lounge visits per quarter are available when you spend ₹50,000 in the previous 3 months.

Yes. You get 6 complimentary golf rounds per year through the Extraordinary Weekends programme. An additional 6 rounds unlock when you spend ₹3 lakh in the same anniversary year, totalling 12.

You earn 5,000 EDGE Reward Points on spending ₹3 lakh in a card anniversary year. Spending ₹8 lakh in the same period waives the annual fee completely. Excluded categories include rent, fuel, insurance, and utilities.

Your Priority Pass membership renews automatically when you achieve ₹3 lakh in spending during the preceding card anniversary year. The BigBasket and Swiggy offers also renew annually.

Insurance, rent, fuel, educational services, utilities, telecom, wallet loads, gold/jewellery, and government services are excluded from earning EDGE Reward Points.

You get buy-one-get-one movie tickets on the District app with up to ₹250 off on the second ticket. This benefit is available twice per month using the code AXISSELECT.

The card includes access to the Axis Bank Dining Delights programme at premium restaurants. Swiggy offers ₹200 off on orders above ₹1,000 (twice monthly). Wednesday Delights include 10% off on Swiggy and Tira.

You get a flat ₹500 off on a minimum purchase of ₹2,500 on the BigBasket mobile app or website. The offer is applicable once per month using the code AXISSELECTCC.

Yes. You get a 1% fuel surcharge refund on fuel transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle. A 1% fee applies on cumulative fuel spends exceeding ₹50,000 per cycle.

The foreign currency transaction fee is 3.5% of the transaction value. An additional Dynamic Currency Conversion markup of 1.5% applies on international transactions processed in Indian currency.

The card provides purchase protection up to ₹1 lakh and cumulative travel cover up to $500, including loss of travel documents, delay of check-in baggage, and loss of check-in baggage.

You need a minimum annual income of ₹6 lakh to be eligible for the Axis Bank Select Credit Card. You must also be between 18 and 70 years of age and a resident of India.

Yes. Add-on cards are available at no joining or annual fee. Add-on cardholders can use the same credit limit and earn reward points on their transactions.

Late payment charges are: NIL if total due is up to ₹500, ₹500 for ₹501 to ₹5,000, ₹750 for ₹5,001 to ₹10,000, and ₹1,200 for amounts above ₹10,000. An additional ₹100 applies for missing MAD in two consecutive cycles.

Yes. A 1% rent surcharge applies on rental transactions identified through Merchant Category Code 6513. GST is applicable on this surcharge as notified by the government.

You earn 2x EDGE Reward Points (20 per ₹200) on retail shopping categories including department stores, grocery stores, clothing, and accessory stores. This is capped at ₹20,000 cumulative transactions per month, after which standard 10 points apply.

Yes. The Axis Bank Select Credit Card is complimentary for Burgundy account holders with no joining or annual fee. If Burgundy status is discontinued, the standard ₹3,000 plus GST annual fee applies.

The cash withdrawal fee is 2.5% of the cash amount with a minimum of ₹500. Finance charges of 3.75% per month (55.55% per annum) apply from the date of withdrawal.

You need a PAN card photocopy, proof of income (latest payslip, Form 16, or IT return), and residence proof (driving licence, electricity bill, or landline telephone bill).

Every Wednesday, Select cardholders get up to 15% off on flights and hotels via MakeMyTrip, 10% off on Swiggy orders, and 10% off up to ₹1,000 on Tira beauty products.

EDGE Reward Points are valued at approximately ₹0.20 each. So 10,000 points equal approximately ₹2,000 in value. A redemption fee of ₹99 applies per transaction.

A 1% fee applies on cumulative wallet loads exceeding ₹10,000 per statement cycle. For utilities and telecom, a 1% fee applies on cumulative spends exceeding ₹25,000 per statement cycle.