About Axis SELECT Credit Card
Axis SELECT Credit Card from Axis Bank is a reward-focused Axis Bank Credit Card that offers accelerated value-back on everyday offline spends. Cardholders can earn 2X rewards on retail purchases such as groceries, apparel, and departmental stores, along with 10 EDGE reward points per Rs. 200 spent on other eligible categories. In addition, the card provides direct discounts on popular brands like BigBasket and Swiggy, along with travel perks such as up to 12 international lounge visits per year and complimentary Priority Pass membership, making it a good choice for daily spending and occasional travel.
However, the reward redemption value is relatively low, with 1 point = Rs. 0.20 and a 10:1 conversion ratio for airline and hotel loyalty programs. Despite this, the card still offers decent overall value at an annual fee of Rs. 3,000, especially for users looking for a mix of rewards, discounts, and travel benefits. It can also be considered among the best reward credit cards for users who prefer simple earnings on everyday spends.
Also Read: Best Credit Cards in India 2026
While the Axis SELECT Credit Card offers a strong reward earning rate, especially on offline spends where most cards give lower returns, its low redemption value of Rs. 0.20 per point reduces the overall benefit. The card also allows conversion of reward points into airmiles and hotel loyalty programs, but the rates are relatively low at 5:1 for select partners and 10:1 for others. Even with better options, 20,000 reward points would convert to around 4,000 air miles, limiting the overall value.
In addition, redemption flexibility is restricted as partners are divided into Group A and Group B, with annual transfer limits of 1 lakh and 4 lakh points respectively. This makes it harder for users to fully maximize rewards, especially if they prefer specific airline or hotel partners.
Axis SELECT Credit Card Rewards Program
Reward Earning
- Earn 10 EDGE reward points per Rs. 200 on all eligible spends
- Earn 2X rewards (20 points per Rs. 200) on retail spends up to Rs. 20,000 per month
Reward Redemption
- Redeem points via the rewards catalogue of Axis Bank at 1 point = Rs. 0.20
- Transfer points to airline and hotel loyalty programs
- Get 5:1 conversion for select partners like Air India, ITC, SpiceJet, and Air Asia
- Get 10:1 conversion for other airline and hotel partners
Partner Programs Include
- Group A: Accor, Etihad, Singapore Airlines, Marriott Bonvoy, Qatar Airways and more
- Group B: Air India, Air France-KLM, IHG Hotels, Qantas, Vistara and more
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.
Suggested Read: International Lounge Access Credit Cards
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 |
|
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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
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Axis SELECT Credit Card Highlights
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.
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
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.
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Frequently Asked Questions
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.
