Elevate your lifestyle with accelerated rewards on retail shopping and comprehensive travel privileges
Earn 2X EDGE Reward Points on all retail shopping transactions
12 complimentary international lounge visits annually plus quarterly domestic access
Exclusive savings on Swiggy, BigBasket, BookMyShow and premium restaurants
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| Benefit | Details |
|---|---|
| Enhanced Retail Rewards | Earn 20 EDGE Reward Points per ₹200 on retail shopping (up to ₹20,000 monthly), and 10 EDGE Reward Points per ₹200 on other eligible purchases. Double rewards on everyday essentials. |
| Welcome Benefit | Receive 10,000 EDGE Reward Points worth ₹2,000 upon first transaction within 30 days of card issuance. |
| International Lounge Access | Complimentary Priority Pass membership with 12 international airport lounge visits annually. Membership auto-renews on ₹3 lakh annual spend. |
| Domestic Lounge Access | 2 complimentary domestic lounge visits per quarter for primary cardholder on minimum spend of ₹50,000 in previous 3 months. |
| Swiggy Discount | Flat ₹200 off twice monthly on Swiggy orders of ₹1,000 or more using code AXIS200. Save up to ₹4,800 annually. |
| BigBasket Savings | ₹500 off monthly on BigBasket orders above ₹2,500 using voucher code AXISSELECTCC. Save up to ₹6,000 annually. |
| Movie Benefits | Buy one get one free on movie tickets via District app (up to ₹250 off), available twice monthly. |
| Golf Privileges | 6 complimentary golf rounds annually, plus 6 additional rounds on spending ₹3 lakh in a year. |
| Milestone Rewards | Earn 5,000 bonus EDGE Reward Points on annual spends of ₹3 lakh. |
| Annual Fee Waiver | Complete fee waiver on spending ₹8 lakh in a card anniversary year (excluding utilities, wallet, insurance, fuel, rent, government services and gold). |
| Dining Delights | Access exclusive discounts at over 4,000 premium restaurants through Axis Bank Dining Delights programme powered by EazyDiner. |
| Wednesday Delights | Instant savings of up to 15% on flights and hotels via MakeMyTrip, plus 10% off on Swiggy orders and Tira purchases every Wednesday. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Axis Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Lifestyle / Travel |
| Type of Card | Sub-Premium Credit Card |
| Free or Paid | ₹3,000 + GST Annually (Waiver on ₹8 lakh annual spend; Lifetime free for Burgundy customers) |
The Axis Bank Select Credit Card is designed for lifestyle-conscious individuals who prioritise offline retail spending and seek comprehensive travel and dining benefits. Ideal for shoppers who frequent departmental stores, grocery outlets, apparel shops and accessory stores, this card offers accelerated 2X rewards on retail transactions. With its balanced combination of Priority Pass membership, quarterly domestic lounge access, substantial discounts on popular platforms like Swiggy and BigBasket, movie benefits, golf privileges and dining discounts, the Select card serves as an excellent all-rounder for those maintaining monthly spends of ₹20,000 or more. The card particularly appeals to users who value practical everyday savings over ultra-premium perks, making it a strong choice in the sub-premium segment.
Retail-Focused Rewards Programme: The Select card earns 20 EDGE Reward Points per ₹200 (equivalent to 10% reward rate or 2% value back) on retail shopping up to ₹20,000 per month, covering departmental stores, grocery shops, clothing stores, women's wear, children's wear, family clothing stores and miscellaneous apparel and accessory shops. Beyond ₹20,000 monthly retail spends and for all other eligible categories, the card earns 10 EDGE Reward Points per ₹200 (5% reward rate or 1% value back).
Comprehensive Travel Benefits: The card provides Priority Pass membership with 12 complimentary international lounge visits annually, auto-renewing on ₹3 lakh yearly spend. Additionally, cardholders enjoy 2 complimentary domestic lounge visits per quarter upon spending ₹50,000 in the previous 3 months, ensuring consistent airport comfort for frequent travellers.
Substantial Everyday Savings: With recurring monthly discounts on Swiggy (₹200 off twice monthly) and BigBasket (₹500 off monthly), cardholders can save up to ₹10,800 annually on food delivery and grocery shopping alone. The BookMyShow BOGO offer (twice monthly, up to ₹250 off) adds entertainment value, whilst Wednesday Delights provide additional savings on travel and food orders.
Dining Privileges: Access to Axis Bank Dining Delights programme powered by EazyDiner offers exclusive discounts at over 4,000 premium restaurants across India, providing consistent savings for regular diners.
Golf Programme: The card includes 6 complimentary golf rounds annually at participating clubs, with an additional 6 rounds available upon spending ₹3 lakh in a year, making it attractive for golf enthusiasts.
Milestone and Fee Waiver Benefits: Earn 5,000 bonus EDGE Reward Points (worth ₹1,000) on annual spends of ₹3 lakh, and achieve complete annual fee waiver by spending ₹8 lakh in a card anniversary year.
Miles Transfer Capability: Unlike basic lifestyle cards, the Select card allows EDGE Reward Points to be transferred to airline and hotel loyalty programmes, though at a less favourable 10:1 ratio compared to premium cards. This flexibility enables strategic redemptions for travel.
Comprehensive Insurance: The card provides purchase protection cover up to ₹1 lakh, plus cumulative USD 500 coverage for loss of travel documents and delay or loss of checked-in baggage, offering peace of mind for shoppers and travellers.
Concierge Services: Access complimentary 24/7 concierge assistance for flight bookings, restaurant reservations, event tickets, gift deliveries and lifestyle services.
Burgundy Customer Benefits: Axis Bank Burgundy customers receive this card as lifetime free (no joining or annual fee), though they forfeit the welcome benefit of 10,000 EDGE Reward Points.
Retail Shopping: Earn 20 EDGE Reward Points for every ₹200 spent on retail shopping transactions, applicable on cumulative monthly spends up to ₹20,000. Retail shopping includes departmental stores, grocery stores, clothing and accessory stores, women's wear stores, children's wear stores, family clothing stores and miscellaneous apparel and accessory shops.
Other Eligible Categories: Earn 10 EDGE Reward Points for every ₹200 spent on all other eligible transactions. This applies to retail shopping spends exceeding ₹20,000 per month and all non-retail eligible purchases.
Reward Value: Each EDGE Reward Point carries a value of ₹0.20 when redeemed through the Axis Bank Rewards Catalogue, delivering 1% returns on standard spends and 2% returns on retail shopping.
Minimum Redemption: Minimum of 300 EDGE Reward Points required to begin redeeming.
Rewards Catalogue: Redeem EDGE Reward Points for products, electronics, lifestyle items, vouchers and gift cards through the Axis Bank Rewards Catalogue at a value of ₹0.20 per point.
Travel EDGE Platform: Transfer EDGE Reward Points to airline and hotel loyalty programmes through the Travel EDGE portal. The Select card offers transfer ratios of 5:1 for Group A partners (Air India, ITC, SpiceJet, Air Asia) and 10:1 for Group B partners (most international airlines and hotels).
Partner Transfers: Transfer to over 20 airline and hotel loyalty programmes including Singapore Airlines, Marriott Bonvoy, Club ITC, Turkish Airlines, Qatar Airways, United Airlines, Accor, Air Canada, Qantas Airways, Thai Airways, Wyndham Rewards, Japan Airlines and more.
Annual Transfer Cap: Maximum of 5 lakh EDGE Reward Points can be transferred per calendar year per customer ID, divided into 1 lakh points for Group A partners and 4 lakh points for Group B partners.
Transfer Fee: ₹199 per transfer transaction to partner loyalty programmes.
EDGE Reward Points Validity: Points typically remain valid for an extended period, allowing strategic accumulation for high-value redemptions.
Welcome Benefit: Receive 10,000 EDGE Reward Points worth ₹2,000 upon making your first transaction within 30 days of card issuance. This benefit is credited upon realisation of the joining fee and is not available for lifetime free cards issued to Burgundy customers.
Milestone Bonus: Earn 5,000 bonus EDGE Reward Points on spending ₹3 lakh in a card anniversary year.
Annual Fee Waiver: Complete waiver of ₹3,000 + GST annual fee on spending ₹8 lakh in a card anniversary year. Spend threshold excludes insurance, rent, fuel, educational services, utilities and telecom, government services, wallet loads and gold/jewellery purchases.
International Lounge Access: Complimentary Priority Pass membership with 12 international airport lounge visits annually. Priority Pass provides access to over 1,200 lounges across 140+ countries worldwide.
Priority Pass Renewal: Automatic renewal of Priority Pass membership on spending ₹3 lakh or more in the preceding calendar year. Without meeting the spend threshold, Priority Pass membership will not be renewed from the second year onwards.
Domestic Lounge Access: 2 complimentary domestic lounge visits per quarter (8 visits annually) for the primary cardholder, subject to spending ₹50,000 in the previous 3 months. Domestic lounge access is provided at select airports across India.
Additional International Visits: Earn 6 additional international lounge visits per year by spending ₹3 lakh or more in that calendar year (total of 18 visits).
Offer Details: Flat ₹200 discount on Swiggy food orders twice per month on minimum transaction amount of ₹1,000 per order.
Promo Code: Use coupon code "AXIS200" at checkout to avail the discount.
Annual Savings: Save up to ₹4,800 annually (₹200 x 2 times x 12 months).
Monthly Discount: ₹500 off on BigBasket orders above ₹2,500 using voucher code "AXISSELECTCC".
Usage Frequency: Available once per month per user on both BigBasket mobile app and website.
Annual Savings: Save up to ₹6,000 annually on grocery shopping.
BookMyShow Offer: Buy one get one free on movie tickets booked via District app using your Select credit card.
Discount Cap: Up to ₹250 off on the second ticket.
Frequency: Available twice per month.
Booking Requirement: Minimum of two movie tickets must be purchased to qualify for the offer.
Promo Code: Use code "AXISSELECT" when booking through the District app.
Annual Entitlement: 6 complimentary golf rounds or lessons per year at participating golf clubs across India.
Additional Rounds: 6 additional golf rounds or lessons on spending ₹3 lakh or more in a year (total of 12 rounds).
Booking Portal: Access golf bookings through Axis Extraordinary Weekends portal or contact customer care.
Restaurant Access: Exclusive discounts at over 4,000 premium restaurants across India through Axis Bank Dining Delights programme powered by EazyDiner.
Additional Benefit: Up to ₹800 or more off on dining bills at participating restaurants. Terms and conditions apply.
Platform: Access offers through the EazyDiner platform integrated with Axis Bank benefits.
MakeMyTrip Offer: Instant savings of up to 15% on flight and hotel bookings made via MakeMyTrip every Wednesday.
Swiggy Wednesday: 10% off on Swiggy orders every Wednesday.
Tira Discount: 10% off up to ₹1,000 on Tira purchases every Wednesday.
Waiver Details: 1% fuel surcharge waived on fuel transactions between ₹400 and ₹4,000 at authorised petrol pumps across India.
Monthly Cap: Maximum benefit of up to ₹400 per statement cycle.
Important Note: Service tax charged on fuel surcharge is non-refundable. No EDGE Reward Points are earned on fuel transactions. The fuel surcharge may be levied as ₹10 + GST instead of 1% + GST on certain transactions, as per petrol pump policies.
24/7 Assistance: Complimentary concierge services available round the clock for travel bookings, restaurant reservations, event ticketing, gift sourcing and lifestyle assistance.
Services Included: Flight bookings, table reservations at exclusive restaurants, exclusive event and show tickets, gift deliveries and more.
Purchase Protection: Coverage worth up to ₹1 lakh against theft or accidental damage of items purchased using the Select credit card.
Travel Document Loss: Cumulative insurance cover up to USD 500 for loss of travel documents whilst travelling.
Baggage Coverage: Cumulative insurance cover up to USD 500 for delay or loss of checked-in baggage during travel.
Lost Card Liability: Protection against fraudulent transactions following card loss or theft.
Online Doctor Consultations: 48 free online video doctor consultations per year.
Fitness Training: 48 interactive fitness video training sessions free per year.
Health Check-up Discount: Up to ₹500 discount on health check-up packages.
EDGE Reward Points are not earned on the following transaction categories:
Insurance premium payments
Rent payments
Fuel purchases
Educational services and fees
Utilities and telecom bill payments
Wallet loads and reloads
Gold and jewellery purchases
Government institution payments
EMI conversions
Cash withdrawals and cash advances
Card fees and charges
Reversals and refunds
Disclaimer: The card features, benefits, application process and other details mentioned above are accurate at the time of writing but may change without prior notice. The Terms & Conditions of Axis Bank Select Credit Card were updated with effect from 20th June 2025.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹3,000 + GST (~₹3,540) | One-time charge when the card is issued. Waived on spending ₹60,000 within 90 days of card issuance. Lifetime free for Axis Bank Burgundy customers. |
| Annual Fee | ₹3,000 + GST (~₹3,540) | Charged every year. Complete waiver on spending ₹8 lakh in a card anniversary year (excluding utilities, wallet, insurance, fuel, rent, government services and gold). Lifetime free for Burgundy customers. |
| Add-on Card Fee | Nil | No charges for additional cardholders on the account. |
| Interest Rate (APR) | 3.6% per month (52.86% annually) | Applicable on outstanding balances after the due date. |
| Foreign Currency Markup | 3.5% + GST (~4.13%) | Charged on international transactions in foreign currency. |
| Dynamic Currency Conversion Fee | 1.5% + GST | Applicable on international transactions performed in Indian currency at international locations or with merchants located in India but registered in foreign nations (effective from 20th December 2024). |
| Cash Withdrawal Fee | 2.5% of cash amount (Minimum ₹500) | Applicable on cash withdrawals from ATMs or banks. |
| Cash Advance Limit | As per bank's policy | Maximum cash withdrawal permitted based on credit limit. |
| Late Payment Fee | Up to ₹50,000 depending on due payment amount | Charged when minimum payment is not made by due date. Fee structure varies based on outstanding amount. |
| Over-limit Penalty | 2.5% of over-limit amount (Minimum ₹500) | Charged when spending exceeds sanctioned credit limit. |
| Cheque Return / Dishonour Fee / Auto-debit Reversal | 2% of payment amount (Minimum ₹450) | Charged when payment cheque bounces or auto-debit fails. |
| Cash Payment at Branch Fee | ₹100 per transaction | Charged for paying credit card bills in cash at Axis Bank branches. |
| Card Replacement Fee | ₹100 | Charged for issuing a replacement card in case of loss, theft or damage. |
| EDGE Reward Points Redemption Fee | ₹99 per redemption transaction | Fee for redeeming points through the rewards catalogue (typically waived for Select cardholders). |
| EDGE Points Transfer Fee | ₹199 per transfer transaction | Applicable when transferring EDGE Reward Points to airline or hotel loyalty partners. |
| Duplicate Statement Charges | As per bank policy | Charged for requesting duplicate physical statements. |
| Rent Transaction Fee | Capped at ₹1,500 + GST | Surcharge applicable on rent payments made through the card. |
| Wallet Load Fee | 1% fee | Applicable on digital wallet loads, as per bank policy. |
| Railway Ticket Surcharge | As mentioned by IRCTC/Indian Railways | Charged on purchase or cancellation of railway tickets through IRCTC. |
| Criteria | Details |
|---|---|
Age | Primary cardholder must be between 18 and 70 years. Add-on cardholder should be above 18 years. |
Existing Customer | Available to both existing Axis Bank customers and new applicants. |
Citizenship | Must be a Resident of India or Non-Resident Indian (NRI). |
Credit Score | Good to excellent CIBIL score (ideally 700-900) preferred for approval. |
Income | Net annual income of ₹6 lakhs or above required (for salaried individuals). |
Banking Relationship | No prior Axis Bank relationship mandatory, though existing customers may have smoother approval. Burgundy customers receive lifetime free card. |
| Document Type | Details |
|---|---|
| Identity Proof | Any one: Aadhaar Card, PAN Card, Passport, Driving Licence, Voter ID Card |
| Address/Residence Proof | Any one: Aadhaar Card, Passport, Driving Licence, Voter ID Card, Ration Card, Recent Utility Bill (Electricity/Landline Telephone Bill within 3 months) |
| Income Proof | Latest salary slips (last 3 months) / Bank statements (last 6 months) / Form 16 / IT return copy (last 2 years) / Audited financials (for self-employed) |
| PAN Card | Mandatory for credit card issuance |
| Photograph | Recent passport-size photographs |
Step 1: Click on Apply Now: Hit the 'Apply Now' button to start your application.
Step 2: Fill in Your Details: Enter your personal information, including name, date of birth, contact details, employment information and financial details in the application form.
Step 3: Upload Required Documents: Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof and a recent photograph.
Step 4: Submit Your Application: Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery: Once your application is approved after verification, your Axis Bank Select Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Maximise Retail Shopping Rewards | Prioritise using the Select card for retail shopping transactions (departmental stores, grocery shops, clothing, accessories) to earn 2X EDGE Reward Points up to ₹20,000 monthly. |
Activate First Transaction | Make your first purchase within 30 days of card issuance to unlock the welcome benefit of 10,000 EDGE Reward Points worth ₹2,000. |
Utilise Monthly Discounts | Set reminders to use Swiggy discount (₹200 off twice monthly) and BigBasket offer (₹500 off monthly) to maximise savings of ₹10,800 annually. |
Track Priority Pass Validity | Ensure you spend ₹3 lakh annually to auto-renew your Priority Pass membership from the second year onwards. |
Monitor Quarterly Domestic Lounge Access | Maintain ₹50,000 minimum spend every three months to qualify for 2 complimentary domestic lounge visits per quarter. |
Plan Golf Sessions | Schedule your 6 complimentary golf rounds throughout the year and aim for ₹3 lakh annual spend to unlock 6 additional rounds. |
Leverage BookMyShow Benefits | Use the BOGO movie offer twice monthly via District app to save on entertainment costs. |
Access Dining Delights | Register for Axis Bank Dining Delights programme and use it regularly at participating restaurants for consistent savings. |
Wednesday Shopping | Make travel bookings on MakeMyTrip and food orders on Swiggy/Tira every Wednesday to enjoy instant discounts. |
Aim for Annual Fee Waiver | Plan your spending to reach ₹8 lakh annually (excluding restricted categories) to waive the ₹3,000 + GST annual fee. |
Target Milestone Bonus | Reach ₹3 lakh in annual spends to earn 5,000 bonus EDGE Reward Points. |
Strategic Points Redemption | Accumulate sufficient EDGE Reward Points before transferring to airline/hotel partners to maximise value despite the 10:1 ratio. |
Monitor Exclusion Categories | Avoid expecting points on utilities, insurance, fuel, rent, wallet loads, education fees and government payments. |
Pay in Full Monthly | Always clear your entire statement balance by the due date to avoid 52.86% annual interest charges. |
Use Wellness Benefits | Take advantage of 48 free doctor consultations and 48 fitness sessions annually for health and wellness. |
The Axis Bank Select Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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