Axis Bank Select Credit Card Features Eligibility and Fees

The Axis Bank Select Credit Card is a great option for those who want to earn rewards and enjoy exclusive benefits. You can earn 1 reward point for every ₹100 spent.

To be eligible for the Axis Bank Select Credit Card, you'll need to meet the bank's eligibility criteria, which includes a minimum income of ₹25,000 per month and a good credit history. This ensures that you can manage the credit card responsibly.

The Axis Bank Select Credit Card comes with a joining fee of ₹1,999 and an annual fee of ₹2,500. These fees are applicable for the first year and thereafter, respectively.

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The Axis Bank SELECT Credit Card offers a range of rewards and benefits that make it a great choice for those who want to earn points and save money. You can earn 20 EDGE Points per Rs. 200 spent with the card up to cumulative spends of Rs. 20,000 per month, and 10 EDGE points per Rs. 200 spent after that.

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You can redeem your EDGE Points on the EDGE Rewards portal for travel, shopping vouchers, and product purchases. 1 EDGE Point is worth Rs. 0.20. The Axis Bank SELECT Credit Card also offers 2X points per ₹200 you spend on retail shopping, except on certain categories.

Here's a breakdown of the rewards and benefits you can expect with the Axis Bank SELECT Credit Card:

The Axis Bank SELECT Credit Card offers a range of rewards and benefits that can help you save money and enjoy exclusive perks. You can earn 20 EDGE Points per Rs. 200 spent on the card, up to a cumulative spend of Rs. 20,000 per month, and 10 EDGE points per Rs. 200 spent after that.

One of the key benefits of the card is the 10X points you earn on every Rs. 200 spent, excluding certain categories. These categories include rent, wallets, utilities, insurance, gold/jewellery, and government institutions. This means you can earn a significant number of points on your regular purchases.

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You can redeem your EDGE Points for travel, shopping vouchers, and product purchases from the EDGE Rewards portal. The redemption process is free, and you can shop from a range of brands, including Dyson, Apple, and Samsung. You can also redeem your points against plane tickets, hotel stays, experiences, and e-vouchers.

The card also offers a range of insurance benefits, including purchase protection cover worth up to Rs. 1 lakh. You also get cumulative insurance covers up to USD 500 for loss of travel documents and delay/loss of check-in baggage.

Here are some of the milestone benefits you can enjoy with the card:

Additionally, you get up to 12 international lounge visits through Priority Pass and 2 domestic lounge visits per quarter on spending Rs. 50,000 in the last 3 months. You also get 1% fuel surcharge refund on transactions between Rs. 400 and Rs. 4,000.

Here's a summary of the rewards and benefits you can enjoy with the Axis Bank SELECT Credit Card:

Insurance Cover is a valuable benefit that comes with this travel option. You can get purchase protection up to ₹1 Lakh, which can be a lifesaver if you need to return or replace an item.

This insurance cover also includes a delay of check-in baggage, which can be frustrating but is now covered up to $500.

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Expiration is a crucial aspect of rewards programs, and it's essential to understand how long your points are valid. All the reward points you earn are valid for three years from the date of your transaction.

You should keep track of the expiration dates of your points to avoid losing them. The cash value of 1 reward point is ₹0.20, so it's worth making sure you use them before they expire.

Some credit cards offer a return on your spending, while others don't. The Axis Bank Select Credit Card, for example, offers 10,000 EDGE reward points on joining, equivalent to ₹2,000.

The SBI Cashback Credit Card provides a 5% cashback on online spends with no merchant restrictions. This means that for every ₹100 you spend online, you'll get ₹5 back.

The Axis Bank My Wings Credit Card offers 4 EDGE reward points on every ₹200 spent. This might not seem like a lot, but it can add up over time.

Here are some credit cards that offer a return on your spending:

The Axis Bank Select Credit Card also offers a 20% discount in partner restaurants. This can be a great benefit if you enjoy dining out.

The Axis Bank Select Credit Card is a premium credit card that offers a wide range of benefits and privileges. To be eligible for this card, you must be between 18 and 70 years old and have a net annual income of Rs. 6 lakhs or more.

The primary cardholder can be an Indian resident or a Non-Resident Indian (NRI), and the add-on cardholder must be above 18 years of age. The card comes with a joining fee of Rs. 3,000, which can be waived off on Rs. 8 Lakhs annual spend.

Here are the key eligibility criteria for the Axis Bank Select Credit Card:

The Axis Bank SELECT Credit Card offers a range of features that make it an attractive option for those who want to earn rewards and enjoy exclusive benefits. You can earn 10,000 EDGE REWARD Points as a welcome benefit on your first transaction within 30 days of issuance, which carries a value of Rs. 2,000.

One of the standout features of the card is its lounge access benefits. You get Priority Pass Membership with up to 12 international lounge access on the first card transaction within 30 days of card issuance, and up to 8 complimentary domestic lounge access for primary card holder based on minimum spends of INR 50,000 in the previous 3 months.

The card also offers discounts and cashback on various categories, including BigBasket, Swiggy, and more. You can enjoy a flat Rs. 500 off per month on minimum purchase of Rs. 3,000 on BigBasket, and a flat Rs. 200 off on min cart value of Rs 1000 on Swiggy, applicable twice per month.

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In terms of rewards, you can earn 5,000 EDGE REWARD Points on reaching Rs. 3 Lakhs annual spend, and annual fee waiver on Rs. 8 Lakhs annual spend. The card also offers exclusive golf privileges with up to 9 complimentary golf rounds.

Here are some key benefits of the Axis Bank SELECT Credit Card:

The card also offers a range of other benefits, including 2X EDGE REWARD Points on retail shopping spent, and 10 EDGE REWARD Points on every Rs. 200 spent.

To get approved for an Axis Bank credit card, you'll need to meet their eligibility criteria. The primary cardholder must be between 18 and 70 years old.

You'll also need to be a resident of India, with a net income of at least ₹6 lakhs per annum. This income requirement may vary depending on the specific card you're applying for.

To provide proof of income, you'll need to submit documents like your latest payslip, Form 16, or income tax return (ITR) documents. You may also be asked to provide original documents for verification purposes.

Here are the general eligibility criteria for an Axis Bank credit card:

Additionally, you'll need to provide proof of age, which can be done with documents like your tenth-standard school certificate, birth certificate, passport, or voter ID card.

To evaluate the best credit cards from Axis Bank, we analyzed 26 different options and considered several key factors.

We prioritized value for money, giving the most points to cards that offer the maximum benefits.

We also looked at cash back rewards and gave half a star to cards that provide cash backs, as well as half a star for cards with a simple and easy-to-understand system.

Annual fees and joining fees were another important consideration, with half a star awarded to cards with no annual fee and half a star for cards with no joining fee.

In fact, cards with no annual fee and joining fee were given a full star, unless the joining fee was equivalent to INR 500, in which case it was considered the same as no annual fee.

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We also considered the availability of services for all income groups, giving half a star for cards that cater to a wide range of income levels and another half star for cards that offer services beyond major cities.

Welcome gifts were another factor, with half a star awarded for gifts and half a star for the ease of using them.

If the intrinsic value of the gift covered the annual fee, the card was given a full star.

Finally, we looked at additional benefits, giving half a star for cards that offer extra perks and half a star for cards that make these benefits easy to use.

For example, a card that offers a fee waiver for users who spend INR 3 lakh in a year may not be beneficial for cardholders who don't plan to spend that much.

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The Axis Bank Select Credit Card comes with a range of fees and charges that you should be aware of. The joining fee is Rs. 3,000, which is waived off on spending Rs. 8 Lakhs in the previous year.

The annual fee is also Rs. 3,000, but it's waived off on spending Rs. 8 Lakhs in the card anniversary year, excluding payments made to specified categories. This means if you spend Rs. 8 Lakhs in a year, you won't have to pay the annual fee.

Here are the key fees and charges associated with the Axis Bank SELECT Credit Card:

You can avoid paying interest on your Axis Bank SELECT Credit Card by paying the total amount due on or before the due date.

Cash Advance Charges can be a bit of a surprise, but let's break it down. You'll be charged 2.5% of the amount withdrawn, with a minimum of Rs. 500.

This fee is applied to both Axis Bank Select Credit Card and the Axis Bank SELECT Credit Card. To give you a better idea, here's a quick rundown of the cash advance charges:

It's worth noting that these charges are subject to change, so it's always a good idea to check the relevant terms and conditions before making a withdrawal.

The Axis Bank SELECT Credit Card comes with a range of fees and charges that you should be aware of before applying.

The joining fee for the card is Rs. 3,000, which is waived off if you spend Rs. 8 lakhs in the previous year. You'll also have to pay an annual fee of Rs. 3,000, which is waived off if you meet the same spending requirement.

If you're an Axis Bank Burgundy Savings Account holder, you won't have to pay the joining or annual fees. The card also comes with a foreign transaction fee of 3.5% of the transaction amount and a cash advance fee of 2.5% (minimum Rs. 500).

To avoid paying interest on your card, make sure to pay the total amount due on or before the due date. If you don't, you'll be charged an interest rate of up to 52.86% per annum.

Here's a breakdown of the fees and charges associated with the card:

The card also comes with a range of rewards and benefits, including 20 EDGE Points per Rs. 200 spent up to cumulative spends of Rs. 20,000 per month, 12 complimentary access to international airport lounges annually, and 2 complimentary domestic lounge visits every quarter.

The Axis Bank SELECT Credit Card's rewards program is called EDGE REWARDS, and it's a great way to earn points on your daily spends. You can earn 20 EDGE Points per Rs. 200 spent with the card up to cumulative spends of Rs. 20,000 per month.

One of the best things about EDGE REWARDS is that you can redeem your points for travel and shopping vouchers, as well as product purchases from the EDGE Rewards portal. 1 EDGE Point is worth Rs. 0.20.

You can earn extra points on certain categories, such as retail shopping, where you can earn 2X points per Rs. 200 spent. This is a great way to boost your points earnings.

Here's a breakdown of the categories where you can earn points:

You can also transfer your EDGE REWARDS points to partner airlines and hotel loyalty programs at a ratio of 5:1. However, there's a cap on the number of points you can convert in a calendar year, which is 5,00,000 RPs for a single Customer ID.

To apply for an Axis Bank SELECT credit card, you can visit the official website of Axis Bank or a partner website. You can also visit any Axis Bank branch to apply in person.

You can apply online by clicking on the "Apply Now" button on the Axis Bank website, which will redirect you to the Axis Bank website. From there, you'll need to choose whether you're an existing or new Axis Bank customer.

To apply online, you'll need to submit a form with your required information, including your phone number and PAN card if you're not an existing customer. If you are an existing customer, you'll need to enter your customer ID.

Here are the general steps to apply online:

Once you've submitted your application, the bank will send you an OTP number on your mobile, which you'll need to enter on the website. After that, you'll need to answer a few basic questions, including your work experience and income.

To apply for an Axis Bank SELECT credit card, you'll need to provide a copy of your PAN card or Form 60.

You'll also need a recent coloured photograph.

Income proof is required, which can be a recent payslip, Form 16, or a copy of your ITR.

You can also use a copy of your passport, driving license, ration card, electricity bill, or landline telephone bill as residence proof.

Here's a list of the documents you'll need to apply for an Axis Bank credit card:

To apply for an Axis Bank credit card, you can do so through various channels. You can start by visiting the official website of Axis Bank to apply online. Alternatively, you can also visit the partner website with the links to apply.

To apply online, you will need to select the card of your choice on the Axis Bank website and then click on the "Apply" button. If you are an existing customer, you will be asked for your customer ID, while if you are a new customer, you will need to provide your phone number and PAN card details.

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You can also visit any Axis Bank branch with the required KYC documents to apply for a credit card. The bank's agents will assist you with the application process. It's advisable to physically visit the bank or ask the agent to come to your home to open an account.

To activate your Axis Bank Select Credit Card or generate its PIN, you can choose from the following methods:

If you're already a customer of Axis Bank and have a preapproved credit card offer, you may receive your credit card within a few days. However, if you're ordering it online, the process may take around 20 days.

Before canceling or closing an account, make sure you've paid all your dues. This is crucial to avoid any outstanding balances or fees.

It takes a few days to deactivate your account, so be mindful of this timeline and avoid using your card during this period.

If you don't receive a message from the bank, don't hesitate to reach out to them again.

Before closing your account, close all automatically done debits from your debit cards to avoid any unexpected transactions.