Axis Bank Select Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
"Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.
Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;
and lead to unnecessary debt. Focus on stability & discipline."
Axis Bank Select Credit Card Review
"Select rewards, experience excellence"
Introduction
The Axis Bank Select Credit Card is a premium lifestyle card designed for individuals who want a well-rounded rewards experience across travel, shopping, dining, and entertainment. With a strong welcome offer, accelerated rewards on retail spends, comprehensive lounge access, and exclusive lifestyle perks, it stands out as a versatile choice for frequent spenders and travelers, Here’s a detailed review to help you decide if this card is right for you.
Key Features and Benefits
Welcome Benefits
10,000 EDGE REWARD points (worth ₹2,000) credited on your first transaction within 30 days of card issuance.
Reward Structure
- Earn 2X per Rs 200 on ‘Retail Shopping*’ spends.
- Spends* done on Insurance, rent, fuel, educational services, utilities, Wallet, Gold/Jewellery, government, will not be eligible for earning EDGE REWARD points.
- Earn 2X EDGE REWARD Points upto cumulative transactions of Rs.20,000 per month. For transaction above Rs.20,000 per month earn 10 EDGE REWARD Points
Milestone Benefits
5,000 bonus EDGE REWARD points on annual spends of ₹3 lakh.
Priority Pass Membership renewal on annual spend of ₹3 Lakh.
- Renewal fee waiver: Annual fee is waived on spends over ₹8 lakh in a card anniversary year.
Lounge Access
- Get up to 12 complimentary International Airport Lounge access through Priority Pass Membership.
- Enjoy 2 complimentary domestic lounge visits per quarter on the spends of Rs. 50,000 in last 3 months.
Insurance Cover
- Purchase protection up to Rs. 1 Lakh
- Cumulative cover upto $500 for the following
- Loss of travel documents
- Delay of Check-in baggage
- Loss of check-in baggage cover
Golf Access
- Enjoy 6 complimentary Golf rounds per year.
- Earn additional 6 complimentary golf rounds within the same anniversary year on achieving spends of Rs. 3 Lakhs.
Dining Benefits
Up to ₹800 off per month at partner restaurants via the Dining Delights program.
Fuel Surcharge Waiver
1% waiver on fuel transactions between ₹400–₹4,000, capped at ₹400 per statement cycle.
No rewards on fuel spends.
Annual Fee
Joining fee: ₹3,000 + GST.
Annual fee: ₹3,000 + GST from the second year (waived on annual spends of ₹8 lakh or more).
No annual fee for add-on cards.
Struggling to keep up with mounting credit card bills?
Card Essential
| Type | Reward Points |
| Welcome Benefits | 10,000 EDGE REWARD points (worth ₹2,000) credited. |
| Annual Fee | ₹3,000 + GST |
| Reward Structure | Rewards On SPENDS |
| Renewal Benefit | Spend ₹8 Lakh+, get your renewal fee waived on Anniversary year. |
Rewards and Benefits Analysis
The Select Credit Card offers a balanced mix of travel, lifestyle, and shopping benefits, making it ideal for users who want to maximize rewards across multiple categories. The accelerated rewards on retail spends, generous lounge access, and milestone bonuses make it a strong contender among premium cards. The annual fee is easily justified for frequent spenders, especially those who can achieve the ₹8 lakh waiver threshold.
Practical Considerations
Best for Frequent spenders, travelers, and those who value lifestyle perks.
Monthly caps on accelerated rewards for retail spends.
Annual fee waiver requires high annual spends.
Priority Pass membership is renewed on annual spends of ₹3 lakh or more.
Redemption Options
Redeem EDGE REWARD points for travel, shopping, and more via the EDGE REWARDS portal.
No redemption fee.
Ideal User Profile
Frequent travelers who want lounge access and travel insurance.
Regular shoppers and diners who spend across multiple categories.
Individuals seeking a premium lifestyle card with strong rewards and practical benefits.
Final Thoughts
The Axis Bank Select Credit Card is a versatile premium card that excels in travel, shopping, dining, and entertainment benefits. Its accelerated rewards, generous lounge access, and milestone bonuses make it a compelling choice for frequent spenders. The annual fee is easily offset by the value of the benefits for those who can meet the spend threshold.
Additional Tips for Potential Applicants
Plan your annual spends to qualify for the annual fee waiver.
Maximize your rewards by using the card for all eligible retail and lifestyle spends.
Take advantage of the welcome, milestone, and dining offers for extra savings.
Consider applying if you are an Axis Burgundy customer for a lifetime free card.
- This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the
spending habits and financial goals.
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