Axis Bank SELECT Credit Card

Axis Bank SELECT Credit Card earns EDGE Reward Points at a primary rate of 20 EDGE Points per ₹200 on retail spends up to ₹20,000 per month (~2%); 10 EDGE Points per ₹200 on all other spends (~1%). Specifically, A solid daily accumulation engine. You net 10 EDGE points for every ₹200 on standard spends, which doubles to 20 points per ₹200 when shopping for high-frequency needs like apparel, groceries, and department stores. You also trigger a 5,000-point milestone bonus upon crossing ₹3 Lakhs in annual spending.. Spends in Travel, Shopping, Dining, Fuel, Lifestyle categories provide the maximum valueback per transaction on this card.

Yes, Axis Bank SELECT Credit Card features complimentary airport lounge privileges. Privileges include: "6 Complimentary International Lounge visits per year via Priority Pass.". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.

A CIBIL credit score of 750 or above is strongly recommended for approval of Axis Bank SELECT Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.

Axis Bank SELECT Credit Card is issued on the Visa or MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.

Axis Bank SELECT Credit Card levies a forex markup fee of 3.50% markup on the converted Indian Rupee value on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.

Axis Bank SELECT Credit Card currently features a welcome offer: "Kickstart your premium journey with a hefty welcome bonus of 10,000 EDGE Reward Points upon your first swipe within 30 days, easily offsetting the initial joining fee.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.

Key highlights include Excellent lounge access program that includes both domestic and international Priority Pass visits. and Accelerated 2X rewards on heavy everyday categories like groceries and clothing.. However, keep in mind that The ₹3,000 annual fee is slightly steep if you fail to hit the waiver milestone or don't use the monthly app discounts. and Base reward rate (on non-retail spends) is mediocre compared to ultra-premium cashback cards.. Overall, Axis Bank SELECT Credit Card delivers strong value if your regular spending aligns with Travel, Shopping, Dining, Fuel, Lifestyle.

Yes, Axis Bank SELECT Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.

You can apply for Axis Bank SELECT Credit Card directly through Axis Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.