The Axis Bank Select Credit Card is tailored for frequent spenders, offering a range of benefits across various categories such as travel, retail, groceries, and meal deliveries. With an annual fee of just INR 3000 for the Ace credit card, users gain access to a plethora of multidimensional advantages. The card’s reward rates are notably high, ensuring maximum benefits for regular usage. Additionally, cardholders enjoy milestone rewards and a renewal fee waiver, further enhancing the card’s value proposition.

Among the array of Axis Bank Credit Cards available, the Axis Bank Select Card stands out with its exceptional features and benefits. Notable cards in the Axis Bank portfolio include the Axis Bank Magnus Credit Card, Axis Bank Vistara Credit Card, Axis Bank Neo Credit Card, and Axis Bank MyZone Credit Card. However, this article will focus specifically on the Axis Bank Select Card.

Key Highlights of the Axis Bank Select Credit Card:

• Category: Offers rewards, travel perks, and shopping benefits.
• Joining Fee: The joining fee is INR 3000.
• Rewards: Enjoy a 20% discount on Big Basket, 40% off on Swiggy orders, exclusive golf privileges, and access to airport lounges.

Features and Benefits : Axis Bank Select Credit Card

The Axis Bank Select Credit Card stands out as a premier offering in the credit card market, boasting a plethora of privileges and discounts across various categories including dining, travel, and insurance. Below are the key features and benefits of the Axis Bank Select Credit Card:

• Welcome Offer: Receive an Amazon coupon worth INR 2000 upon making the first transaction within 90 days of receiving the card.
• EDGE Points: Earn EDGE points on every transaction made with the card.
• 2X EDGE Points: Earn double EDGE points on retail purchases.
• Big Basket Discount: Enjoy a 20% discount from Big Basket, up to INR 500, on a minimum purchase of INR 2000.
• Swiggy Discount: Avail a 40% discount on Swiggy orders above INR 400, up to a maximum of INR 200, twice a month.
• EDGE Points Threshold: Receive EDGE points upon spending INR 3 lakh in an anniversary year.
• Renewal Fee Waiver: Waive off the renewal fee by spending INR 6 lakh in the anniversary year.
• Complimentary Golf Rounds: Enjoy six complimentary golf rounds annually, with an additional three rounds upon spending INR 6 lakh in a year.
• Travel Insurance: Get coverage of up to INR 1 lakh for travel delay and loss of checked baggage.
• Lounge Access: Priority membership grants access to international lounges six times a year, along with quarterly access to domestic lounges.
• Dining Discounts: Enjoy discounts of up to 20% at partnered dining establishments.
• Book My Show Offer: Receive INR 300 off on the second ticket when booking through Book My Show.
• Concierge Services: Access 24/7 concierge services for assistance with gift delivery and travel bookings.
• Zero Liability Protection: Benefit from zero liability protection against fraudulent activity upon timely reporting of lost cards to the bank.
• Insurance Benefits: Receive insurance coverage for loss of card, purchase protection, and loss of travel documents.

Axis Bank Select Credit Card Charges and Fees

• Joining Charges: INR 3,000
• Annual Charges: INR 3,000
• Interest Rate: 52.86% p.a.

Late Payment Charges:

• Nil up to INR 100.
• INR 100 between INR 301 and INR 500.
• INR 500 for amounts ranging from INR 501 to INR 10,000.
• INR 750 for amounts ranging from INR 10,000 to INR 25,000.
• INR 1,000 for amounts ranging from INR 25,001 to INR 50,000.
• Over 50,000 rupees: INR 1,000.

Eligibility Criteria

• Age: Between 18 to 70 Years
• Income: More than 9 lakh per annum
• Occupation: Self-employed or employed

Documents Required

The following documents are necessary to apply for the Axis Bank Select Credit Card:

• Proof Of Identity: Passport, Driving Licence, Aadhar Card, PAN Card, and passport-sized photograph.
• Address Proof: Utility bills, Aadhar cards, passports, etc.
• Income Proof: Recent payslips/bank statements, Form 16, and the most recent ITR.

How to Apply

Apply Online

• Click the “Apply Button”.
• Choose the desired credit card from the options.
• Select the ‘Apply Now’ option.
• Fill in all required information correctly and submit the form.

Apply Offline

• Visit the nearest Axis Bank branch.
• Get assistance from a bank representative to fill out the application form.
• Submit the completed form at the branch.

Pros and Cons: Axis Bank Select Credit Card

Pros

• Users get Rs. 200 off on Swiggy orders twice a month.
• Complimentary pass membership is available.

Cons

• No reward points are given on fuel transactions.
• High joining fees of Rs. 3000 plus applicable taxes.

Should You Get this Card?

The Axis Bank Select Credit Card is popular, especially in the premium category. It’s best for customers who frequently visit stores for retail shopping to earn more reward points. Consider getting this card if:

• You prefer offline spending.
• You are a frequent traveler who visits international and domestic lounges.
• You can spend INR 6 lakh in a year to get an annual fee waiver.

Conclusion

The Axis Bank Select Credit Card offers unmatched benefits and privileges, making it a sought-after choice for individuals who value premium offerings. With its extensive rewards program, exclusive discounts, and complimentary perks, this card caters to the diverse needs of modern consumers. Whether you’re a frequent traveler, a food enthusiast, or a savvy shopper, the Axis Bank Select Credit Card provides a rewarding experience that goes beyond financial transactions.

FAQs about Axis Bank Select Credit Card

What makes the Axis Bank Select Credit Card stand out from other cards in the market?

The Axis Bank Select Credit Card offers a wide range of benefits across various categories such as dining, travel, and insurance. With perks like welcome offers, EDGE points, discounts on Big Basket and Swiggy, complimentary golf rounds, and lounge access, it provides exceptional value to cardholders.

How can I apply for the Axis Bank Select Credit Card?

You can apply for the Axis Bank Select Credit Card online by visiting the bank’s website, selecting the desired credit card, and filling out the application form. Alternatively, you can visit the nearest Axis Bank branch and submit the application form offline with the assistance of a bank representative.

What are the eligibility criteria for the Axis Bank Select Credit Card?

To be eligible for the Axis Bank Select Credit Card, applicants must be between 18 to 70 years old, have an annual income of more than 9 lakh, and be either self-employed or employed.

What are the charges and fees associated with the Axis Bank Select Credit Card?

The Axis Bank Select Credit Card has a joining fee of INR 3,000 and an annual fee of INR 3,000. The interest rate is 52.86% p.a. Late payment charges vary depending on the outstanding amount, ranging from nil up to INR 100 to INR 1,000 for amounts over INR 50,000.

Is the Axis Bank Select Credit Card worth getting?

The Axis Bank Select Credit Card is ideal for frequent spenders who seek a premium credit card with a wide range of benefits. If you prefer offline spending, travel frequently, and can meet the spending criteria for an annual fee waiver, this card could be a valuable addition to your wallet.