I’m looking into the Axis Bank Select Credit Card, known as one of the best. It offers a mix of rewards and perks that could really improve my life. This card is great for those who spend a lot, with benefits on travel, shopping, and more.
When applying online, it’s key to match the card’s benefits with your lifestyle. The Axis Bank Select Credit Card has many perks, like discounts and lounge access. It’s perfect for maximizing rewards.
Key Takeaways
- The Axis Bank Select Credit Card offers 10,000 EDGE REWARD Points worth Rs. 2000 on the first card transaction.
- Cardholders can enjoy flat Rs. 500 off on BigBasket and flat Rs. 200 off on Swiggy, among other discounts.
- The card provides up to 12 complimentary international airport lounge accesses via Priority Pass Membership.
- Earn 10 EDGE points for every Rs. 200 spent, with a 2X rate on retail shopping.
- The Axis Bank Select Credit Card has a standard joining fee of Rs. 3000 and an annual fee of Rs. 3000 starting from the second year.
- Eligibility criteria include a minimum net income of INR 6 Lakhs P.A. and an age range of 18-70 years for the primary cardholder.
Understanding the Axis Bank Select Credit Card
The Axis Bank Select Credit Card offers a special rewards program. You earn 10 EDGE points for every Rs. 200 spent. Plus, you get 2X EDGE points on retail purchases. It’s perfect for those who want to earn more rewards and enjoy more privileges.
When you compare credit cards, the Axis Bank Select Credit Card shines. Its rewards program is among the best, offering high earning potential. It also comes with cashback offers and other perks, ideal for those who spend a lot.
To get the most from your Axis Bank Select Credit Card, know its features and benefits. Here are some important points to remember:
- Earning potential: 10 EDGE points for every Rs. 200 spent, and 2X EDGE points on retail purchases
- Reward points value: 1% value for every Rs. 200 spent
- Cashback offers: available on select purchases
Understanding the Axis Bank Select Credit Card’s features and benefits helps you make a smart choice. With its unique rewards program and generous cashback offers, it’s a top pick for maximizing rewards and privileges.
Premium Benefits That Enhance Your Lifestyle
As a cardholder of the Axis Bank Select Credit Card, I enjoy many premium benefits. These include up to 12 free international lounge visits, 2 domestic lounge visits each quarter, and a Priority Pass membership. The card offers a luxurious and convenient experience, whether I’m traveling or dining out.
The card also offers golf privileges, airport lounge access, and dining delights. To get these benefits, I must meet certain requirements. I need to earn at least ₹9 lakh a year and be between 21 and 65 years old. The card rewards users with cash back and discounts for everyday expenses, making it perfect for those who love convenience and luxury.
Some of the key benefits of the Axis Bank Select Credit Card include:
- Complimentary airport lounge access at both domestic and international airports across India
- Discounts and cash back at premium restaurants
- Golf privileges and dining delights
- Concierge services for assistance with dining referrals, reservations, and travel-related activities
The Axis Bank Select Credit Card offers many premium benefits that can improve my lifestyle. It’s a great choice for those who value convenience, luxury, and rewards. By meeting the requirements and using the card’s features, I can enjoy a luxurious and convenient experience, whether I’m traveling, dining out, or just living my daily life.
| Benefit | Description |
|---|---|
| Complimentary Lounge Access | Up to 12 complimentary international lounge access, 2 domestic lounge visits per quarter |
| Premium Restaurant Partnerships | Discounts and cash back at premium restaurants |
| Golf Privileges | Access to golf courses and exclusive golf events |
Reward Points Structure and Redemption Options
As a cardholder of the Axis Bank Select Credit Card, I earn points on many things. This includes retail buys, dining, and travel. For every Rs. 200 spent, I get 10 EDGE points. Plus, I get 2X EDGE points on retail buys.
This means I can earn points fast. Then, I can use them for cashback, vouchers, or cool merchandise.
The options for using my points are wide. I can choose from Edge Rewards like shopping vouchers or merchandise. Or, I can get air miles with airlines. I can also get cashback, which is very flexible.
To get the most from my points, I can pick high-value rewards. Or, I can transfer them to partner loyalty programs.
Earning Reward Points
I earn points on every purchase with my Axis Bank credit card. I can use these points for shopping vouchers, air miles, or cashback. It’s easy to redeem them by logging into my account.
Redemption Categories
The Axis Bank credit card has many ways to use my points. Here are some:
- Edge Rewards: shopping vouchers, merchandise, etc.
- Co-branded cards: air miles with airlines, such as Vistara and Indigo
- Cashback redemption option
Maximum Point Value Strategies
To maximize my points, I can choose high-value rewards. Or, I can transfer them to partner loyalty programs. Each point is worth ₹0.20, which can be used for many things.
Understanding the rewards program and how to use my points is key. This way, I can enjoy all the benefits of my Axis Bank Select Credit Card.
| Redemption Category | Redemption Value |
|---|---|
| Edge Rewards | Shopping vouchers, merchandise, etc. |
| Co-branded cards | Air miles with airlines |
| Cashback redemption option | ₹0.20 per reward point |
Travel Benefits and Airport Lounge Access
As a holder of the Axis Bank Select Credit Card, I enjoy many travel benefits. These make my trips more comfortable and easy. One big perk is the airport lounge access, offering a calm break from airport chaos. I get up to 12 free international lounge visits and 2 domestic ones each quarter.
This card also gives me a Priority Pass membership. It lets me into over 1000 airport lounges worldwide. I get free food, drinks, Wi-Fi, and showers, enhancing my travel. Plus, I get 6 free visits to Priority Pass lounges yearly, with more visits possible by spending over Rs. 3 lakhs.
- Complimentary lounge access eligibility at various lounges across key cities in India
- A maximum of 18 complimentary lounge accesses available through the Axis Bank Atlas Credit Card
- Access to lounges conditioned on presenting a valid flight ticket for the same day of travel
The travel benefits and airport lounge access of the Axis Bank Select Credit Card are top-notch. They offer a luxurious and convenient travel experience. It’s perfect for those who love comfort and convenience while traveling.
Shopping and Dining Privileges
As an Axis Bank Select Credit Card holder, I get special perks. These include discounts, special offers, and seasonal deals at partner merchants. These benefits make my life better and save me money every day.
The card comes with cool benefits like dining privileges. I get discounts at restaurants, stores, and online. Plus, there are shopping privileges like buy one get one free, cashback, and rewards points. I can choose from many popular brands through the card’s merchant partners.
Some top benefits of the Axis Bank Select Credit Card are:
- Discounts at partner merchants
- Special offers and seasonal promotions
- Dining delights discount through Axis Bank Dining Delights Program with EazyDiner
- Fuel surcharge refund
With the Axis Bank Select Credit Card, I get a great shopping and dining experience. It’s perfect for those who love convenience, savings, and flexibility. The card’s partners and exclusive offers make it a top choice.
| Benefit | Description |
|---|---|
| Dining Delights Discount | Savings of Rs. 800* or more through Axis Bank Dining Delights Program with EazyDiner |
| Fuel Surcharge Refund | Maximum benefits up to Rs. 400 per statement cycle on transactions between Rs. 400 and Rs. 4,000 |
Meeting the Eligibility Requirements
To get the Axis Bank Select Credit Card, you need to meet some eligibility requirements. You must have a minimum income criteria of Rs. 6 lakh per year. Also, a good credit score is key, showing you’re reliable with money.
You’ll need to provide documents like proof of income and address. These are important for the application process.
The credit score requirements for the Axis Bank Select Credit Card are strict. A high score means you’re more likely to get approved. But, a low score might mean you’re turned down. It’s smart to check the eligibility requirements and income criteria before you apply.
Here are the main eligibility requirements for the Axis Bank Select Credit Card:
- Minimum income criteria: Rs. 6 lakh per year
- Good credit score requirements
- Required documentation: proof of income and address
By fulfilling these eligibility requirements, you can enjoy the perks of the Axis Bank Select Credit Card. These include premium benefits, reward points, and travel perks.
| Eligibility Criteria | Requirements |
|---|---|
| Income | Rs. 6 lakh per year |
| Credit Score | Good credit score |
| Documentation | Proof of income and address |
How to Apply for Your Card Online
To get the Axis Bank Select Credit Card, you can apply online on the bank’s website. It’s easy and quick. First, check if you meet the eligibility requirements. These include age, income, and credit score.
The application process is short, taking just a few minutes. You’ll need to give basic info like your PAN and Aadhaar cards, and proof of income.
After you apply, you’ll hear back in a few days. If approved, your card will arrive in 7-10 working days. Make sure to read the card’s terms, including interest rates and limits, before applying.
Here’s how to apply online:
- Visit the Axis Bank website
- Fill out the application form with your personal and financial information
- Upload the required documents, such as your PAN card and income proof
- Submit your application and track the status online
Annual Fees and Charges Explained
The Axis Bank Select Credit Card has an annual fee of Rs. 3,000. This fee can be waived if you meet certain spending criteria. The card’s fee structure is clear and fair, with no surprise charges.
To qualify for a fee waiver, you need to spend a certain amount. For instance, if you spend Rs. 300,000, including Rs. 50,000 on rent, you won’t get milestone benefits. But, if you spend Rs. 600,000, including Rs. 50,000 on rent, you won’t get the annual fee reversal.
Here are some important points about annual fees and charges:
- A rent surcharge fee of 1% is applied on each rental transaction, up to INR 1500 per transaction.
- A Dynamic Currency Conversion (DCC) markup fee of 1% plus taxes is charged on each international transaction in Indian currency.
- The interest rate for revolving credit is 3.6% per month.
It’s important to read the terms and conditions. This way, you’ll understand the fee waiver conditions and charges of the Axis Bank Select Credit Card. Knowing this helps you make smart spending choices and get the most out of your card.
| Fee Type | Amount |
|---|---|
| Annual Fee | Rs. 3,000 |
| Rent Surcharge Fee | 1% of rental transaction, capped at INR 1500 |
| Dynamic Currency Conversion (DCC) markup fee | 1% plus taxes |
Insurance Coverage and Protection Benefits
The Axis Bank Select Credit Card offers insurance coverage and protection benefits. This gives cardholders peace of mind. It includes travel insurance, which covers unexpected events like trip cancellations or medical emergencies.
Some key benefits of the Axis Bank Select Credit Card’s insurance coverage are:
- Coverage for baggage delay or loss
- Protection against unauthorized transactions
- Extended warranty on certain purchases
- Accidental death and disability coverage
The Axis Bank Select Credit Card also offers protection benefits. These include purchase protection, return protection, and fraud protection. These benefits protect cardholders from unexpected events and provide financial help in case of theft or fraud.
The Axis Bank Select Credit Card’s insurance coverage and protection benefits make it a great choice. It’s perfect for those who value security and peace of mind. With its wide range of benefits, it’s ideal for frequent travelers, online shoppers, and anyone looking for protection against theft, fraud, and emergencies.
| Benefit | Description |
|---|---|
| Travel Insurance | Covers unexpected events such as trip cancellations, medical emergencies, or luggage loss |
| Purchase Protection | Provides protection against unauthorized transactions and extends warranty on certain purchases |
| Fraud Protection | Safeguards cardholders against fraud and provides financial reimbursement in case of theft or fraud |
Digital Banking Features and Mobile App Integration
As an Axis Bank Select Credit Card holder, I can manage my account online. I can pay bills and track my transactions using the mobile app. This makes it easy and safe to check my account info.
The online account management lets me see my balance, download statements, and move money. I can also pay bills and invest in mutual funds online. It’s all part of the service.
Key Digital Banking Features
- Online account management
- Bill payment options
- Security features such as two-factor authentication and encryption
- Mobile app integration for easy access to account information
With the Axis Bank Select Credit Card, managing my finances is a breeze. Digital banking and mobile app integration make it simple to handle my money on the move.
| Feature | Description |
|---|---|
| Online Account Management | View account balance, download statements, and transfer funds |
| Bill Payment Options | Pay utility bills and other expenses online |
| Security Features | Two-factor authentication, encryption, and fraud protection |
Making the Most of Your Credit Card Rewards
To get the most out of your credit card rewards, it’s key to know the rewards program and redemption options of your card. The Axis Bank Select Credit Card, for example, gives 10 EDGE points for every Rs. 200 spent. Plus, you get 2X EDGE points on retail buys.
Points can be used for cashback, vouchers, or merchandise. Or, you can transfer them to partner loyalty programs. The Axis Bank Select Credit Card offers many benefits, including:
- Earning 2% reward rate on retail shopping
- Earning 1% reward rate on other spends
- Milestone benefit of 5,000 Edge Rewards on spend of Rs. 3 Lakhs
- Complimentary Priority Pass visits and domestic lounge visits
By grasping the rewards program and redemption options, you can fully enjoy your credit card rewards. This way, you get a variety of benefits and perks.
Conclusion: Is the Axis Bank Select Credit Card Right for You?
The Axis Bank Select Credit Card offers many benefits and features. It’s a great choice for those looking for a rewarding credit card. It has a high reward rate on retail purchases and flexible redemption options.
It also comes with lifestyle privileges. This card is perfect for those who value convenience, luxury, and financial flexibility.
If you earn INR 9 lakh or more, this card is a great pick. It offers travel benefits like international lounge access. It also has dining and shopping privileges for frequent users.
By using the Axis Bank Select Credit Card wisely, you can enjoy exclusive benefits. It promises a seamless, premium credit card experience.
FAQ
What are the key features of the Axis Bank Select Credit Card?
The Axis Bank Select Credit Card offers a rewards program. You get 10 EDGE points for every Rs. 200 spent. Plus, you earn 2X EDGE points on retail purchases.
It also comes with premium benefits. Enjoy up to 12 complimentary international lounge access. You also get 2 domestic lounge visits per quarter and a Priority Pass membership.
Who is the target customer for the Axis Bank Select Credit Card?
The Axis Bank Select Credit Card is for those who spend a lot. It’s for individuals with a minimum income of Rs. 6 lakh per year. You also need a good credit score.
What are the shopping and dining privileges offered by the Axis Bank Select Credit Card?
The card offers many shopping and dining perks. Enjoy discounts at partner merchants and special offers. There are also seasonal promotions.
Cardholders get discounts and offers at various places. This includes restaurants, retail stores, and online platforms.
What are the eligibility requirements for the Axis Bank Select Credit Card?
To get the Axis Bank Select Credit Card, you need a minimum income of Rs. 6 lakh per year. You also need a good credit score. And, you must have the required documents like proof of income and address.
How can I apply for the Axis Bank Select Credit Card online?
Applying online is easy and quick. Visit the bank’s website and fill out the application form. You’ll need to provide basic personal and financial information.
The application process takes just a few minutes. You can also track your application status online.
What are the annual fees and charges for the Axis Bank Select Credit Card?
The card has an annual fee of Rs. 3,000. But, it’s waived if you meet certain spending criteria. The fees are transparent and competitive, with no hidden charges.
What are the insurance coverage and protection benefits offered by the Axis Bank Select Credit Card?
The card offers several insurance and protection benefits. This includes travel insurance, flight delays, and luggage loss or delay insurance. These benefits protect you from unexpected events like trip cancellations or medical emergencies.
How can I maximize the reward points earned on the Axis Bank Select Credit Card?
To get the most out of your points, redeem them for valuable rewards. Or, transfer points to partner loyalty programs. The card gives 10 EDGE points for every Rs. 200 spent. You also earn 2X EDGE points on retail purchases.
