

Axis Bank SELECT Credit Card Rating |
Rewards ★★★★★ Annual Fee ★★★★ Travel Benefits ★★★★★ Offers & Discounts ★★★★ Movie Benefits ★★ |
Overall Rating ★★★★ |
Axis Bank SELECT Credit Card is a premium credit card offering benefits across multiple categories such as shopping, lifestyle, travel and more. The card is free for Axis Bank’s Burgundy Clients but for others, the bank charges Rs. 3,000 annual fee. Looking at the multi-dimensional benefits of this card, you can easily put it in the same league as HDFC Regalia or SBI Card Elite. Let us take a close look at the benefits and limitations of this card to understand if it will be a good fit for you.
Axis Bank SELECT Credit Card at a Glance | |
Joining Fee | Rs. 3,000 (Nil for Burgundy Clients) |
Annual Fee | Rs. 3,000 (Nil for Burgundy Clients) |
Best Suited For | Shopping, Travel and Rewards |
Minimum Income Required | Rs. 9,00,000 per annum |
Read about features and benefits of Axis Bank SELECT Credit Card
Key Highlights of Axis Bank SELECT Credit Card
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Amazon Voucher as Welcome Gift
With your Axis SELECT Credit Card, you get an amazon voucher worth Rs. 2,000 on making the first transaction via your credit card. This transaction should be made within 90 days of credit card issuance. So if you are an online shopping lover, this could be a good start for you. However, the benefit falls short against the fee of Rs. 3,000 paid.
Earn Rewards on Your Purchases
You can earn 10 Axis EDGE points on every Rs 200 spent and 2X EDGE points on retail shopping. This can easily be considered at par or even better than the rewards rate of some of the most popular rewards credit cards like SBI Card PRIME and HDFC Regalia.
Credit Card | Base Reward Point | Reward Earning Rate |
Axis Bank Select Credit Card | 10 Axis EDGE points on every Rs 200 spent | 5% |
HDFC Regalia Credit Card | 4 Reward Points per Rs. 150 spent | 2.66% |
SBI Card PRIME | 2 Reward Points per Rs. 100 spent | 2% |
When it comes to the redemption of rewards, you have numerous options to choose from Axis Bank’s EDGE Rewards Catalogue. However, you won’t be able to convert the EDGE points into cashback; you will have to choose from vouchers or items only.
Travel Comfortably with International Airport Lounge Access
Have a relaxed journey with Axis Bank SELECT’s Priority Pass Membership (worth Rs. 7,365) offering 6 complimentary international airport lounge visits to more than 1,200 international lounges per year. You can get 6 additional visits on spending more than Rs. 3 lakh in a calendar year. The card offers the lounge benefits only for the primary cardholders and any accompanying guests will be charged as per the lounge. The card also offers 8 complimentary domestic lounge visits per year. Comparing the lounge benefits with credit cards such as SBI Elite and IndusInd Legend, Axis Bank’s SELECT seems to be a better option. So if you are a frequent flyer this may be a suitable credit card for you.
Discount on Bigbasket and Swiggy
Axis Bank Select Credit Card also offers additional discounts as shown below:
- 20% off (up to Rs. 500) per month on a minimum purchase of Rs. 2,000 on BigBasket mobile app and website
- 40% off (up to Rs. 200) twice a month on Swiggy (Code – Axis200)
Groceries and dining (including food orders) is a very practical category in these times. This is why it’s a notable feature of Axis Bank Select Credit Card.
Other Benefits of Axis Bank SELECT Credit Card
- 6 complimentary golf rounds in a calendar year (3 additional rounds on spending Rs. 3 Lakh in a year)
- 5,000 edge points on spending Rs. 3 lakh in a card anniversary year
- 1% fuel surcharge refund across all fuel stations in India
- 20% off at partner restaurants
- 24×7 Concierge Services at your Assistance
- Air accident cover up to Rs. 2.5 crore
- Purchase protection of up to Rs. 1 lakh
- Cumulative cover up to USD 500 for
- Loss of travel documents
- Delay of Check-in baggage
- Loss of check-in baggage cover
Suggested Read: Best Super Premium Credit Cards in India
Limitation of Axis Bank Select Credit Card
While Axis Bank Select Credit Card covers multiple grounds, there are certain drawbacks with the card:
- Axis Select Card does not offer airport lounge access to the add-on card members whereas HDFC Regalia, which is available for a slightly lower fee, does.
- Where many lower range cards are experimenting with different types of welcome benefits offered at once (like HSBC Smart Value), Axis Bank could have done better.
- Again, the welcome voucher of Rs. 2,500 does not even cover the joining cost of Rs. 3,000.
Should you get Axis Bank SELECTCredit Card?
Axis Bank SELECT is a suitable alternative if you expect premium, multi-dimensional privileges from a credit card. This card covers nearly every category, including travel, shopping, dining, grocery, fuel surcharges, milestone offers, and much more. The yearly charge of Rs.3,000 (nil for Burgundy cardholders) may appear to be a bit steep, but the exclusive memberships, coupons, and privileges make up for it. With this card, you earn 10 EDGE reward points for every Rs. 200 spent and 20 points for every Rs. 200 spent on ‘Retail Shopping’ purchases.
Likewise, the travel benefits such as complimentary international and domestic airport lounge access and Priority Pass Membership, are ideal for regular travellers. Users are also entitled to 6 complimentary golf rounds each year.
This card is ideal for people who wish to enjoy multi-dimensional benefits and prefer rewards over cashback. Furthermore, if you are already an Axis Burgundy customer, this card will be a welcome addition to your wallet at no extra cost.