Axis Bank SELECT Credit Card is a reward-focused card designed for frequent shoppers and travellers. It offers accelerated 2X value-back on retail (offline) spends, including departmental stores, groceries, apparel, and accessories. Cardholders earn 10 EDGE Reward Points per Rs. 200 spent on other eligible categories.
In addition to rewards, the card provides direct discounts at top brands like BigBasket and Swiggy, up to 12 complimentary international lounge visits per year, and a Priority Pass membership.
While the reward redemption value is relatively low (1 RP = Rs. 0.20 or 10:1 for airline/hotel loyalty programs), the card provides strong overall value for Rs. 3,000, especially for those looking for a mix of rewards, discounts, and travel benefits.
Axis SELECT Credit Card Rewards Program
Reward Earning
Earn 10 Axis EDGE reward points for every Rs. 200 spent.
Earn 2X (20) EDGE points per Rs. 200 on retail transactions, applicable on cumulative monthly spends up to Rs. 20,000.
Reward Redemption
Redeem points for vouchers and merchandise via Axis Bank’s Rewards Catalogue (1 RP = Rs. 0.20).
Transfer points to airline or hotel loyalty programs:
Group A Partners: 5:1 ratio
Accor Hotels (Accor Live Limitless), Air Canada (Aeroplan), Ethiopian Airlines, Etihad Guest, Japan Airlines (JAL Mileage Bank), Marriott Bonvoy, Qatar Airways, Singapore Airlines (KrisFlyer), Turkish Airlines, Thai Airways (Royal Orchid Plus), United Airlines (MileagePlus), Wyndham Hotels (Wyndham Rewards)
Group B Partners: 10:1 ratio
Air France-KLM (Flying Blue), Air India (Flying Returns), Air Asia, ITC, IHG Hotels & Resorts (IHG One Rewards), Qantas Airways (Qantas Frequent Flyer), SpiceJet, Vistara (TATA SIA Airlines Ltd)
Other Features and Benefits
Discount on Top Online Brands
BigBasket: Rs. 500 off per month on a minimum spend of Rs. 2,500.
Swiggy: Rs. 200 off twice a month on a minimum spend of Rs. 1,000.
Movies (District App): Buy 1 Get 1 free ticket, up to Rs. 250, twice a month using code AXISSELECT.
Welcome Benefit
10,000 EDGE reward points (worth Rs. 2,000) on the first transaction within 30 days of card issuance.
Renewal Benefit
BigBasket and Swiggy discounts applied automatically on renewal fee payment.
Renew Priority Pass Membership by spending Rs. 3 Lakh in the preceding year.
Milestone Benefits
5,000 EDGE points on spending Rs. 3 Lakh in a card anniversary year.
Priority Pass renewal on spending Rs. 3 Lakh in the preceding year.
Annual fee waiver on spending Rs. 8 Lakh in a card anniversary year.
Travel Benefits
Complimentary Priority Pass Membership in the 1st year on first transaction within 30 days.
6 international lounge visits per year; additional 6 visits on spending Rs. 3 Lakh annually.
2 domestic lounge visits per quarter on spending Rs. 50,000 in the previous quarter.
Golf Benefits
6 complimentary golf rounds per year; additional 6 rounds on spending Rs. 3 Lakh annually.
Dining Benefit
Up to Rs. 800 off on dining bills via Axis Bank Dining Delights Program.
Fuel Surcharge Waiver
1% fuel surcharge waiver (up to Rs. 400 per month) on spends between Rs. 400 and Rs. 4,000.
Fees and Charges
Fee Type
Amount
Joining Fee
Rs. 3,000 (Nil for Burgundy clients)
Annual Fee
Rs. 3,000 (Nil for Burgundy clients)
Finance Charges
3.6% per month | 52.86% p.a.
Late Payment Charges
For Statement Balance:
Less than Rs. 500
Nil
From Rs. 501 to Rs. 5,000
Rs. 500
From Rs. 5,001 to Rs. 10,000
Rs. 750
Greater than Rs. 10,000
Rs. 1,200
Things to Know Before you apply
Get this card if:
Travel frequently (domestic and international)
Spend ₹3–6 lakh annually on lifestyle needs
Value luxury benefits like golf and lounge access
Want high reward point earnings and redemption flexibility
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For Axis SELECT Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Axis SELECT Credit Card Hilights
What do we like about this card?
Earn 10 EDGE points/Rs. 200; 2X on retail spends.
Discounts on BigBasket, Swiggy, and movies.
Priority Pass & lounge access, travel perks.
Welcome & milestone rewards up to 10,000 points.
Complimentary golf rounds and dining offers.
1% fuel surcharge waiver on Rs. 400–4,000 spends.
Pros
High welcome bonus worth ₹5,000+ Multiple milestone benefits International lounge access included Golf and dining privileges Good reward redemption options
Cons
High annual fee (₹3,000) Reward points capped on certain spends Limited cashback (reward-focused instead)
Axis Bank Credit Card Contact Details
Contact Address: Axis Bank Limited, Corporate Office, Axis House, Wadia International Centre, Pandurang Budhkar Marg, Worli, Mumbai – 400 025, Maharashtra, India. Helpline Numbers: 1860-419-5555, 1860-500-5555 (available from all major cities in India) Simply SMS Service: Send BAL <space> last 4 digits of your credit card to 56161600 or 8691000002 to get your credit card balance via SMS.
Frequently Asked Questions
Everything you need to know about this credit card
Yes, it is ideal for frequent shoppers and travelers looking for rewards, discounts, and lounge access.
The card has an annual fee of Rs. 3,000, with fee waivers on high spends.
Earn 10 EDGE points per Rs. 200 spent; 2X points on retail spends up to Rs. 20,000 monthly.
BigBasket, Swiggy, and District app (movies) offer flat discounts and buy-one-get-one deals.
Yes, 6 complimentary international lounge visits per year, plus additional visits based on spend.
Yes, includes golf rounds, dining discounts, and fuel surcharge waiver up to Rs. 400/month.
Spend Rs. 3–8 lakh annually to get additional EDGE points, Priority Pass renewal, or annual fee waiver.
Yes, points can be transferred to various airline and hotel loyalty programs at 5:1 or 10:1 ratios.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
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