Credit Card /

Axis Bank Credit Cards /

Axis Bank Select Credit Card

Axis Bank

Axis Bank SELECT Credit Card

Travel

Shopping

Reward Points

4.0/5.0

Paisabazaar Review

1^st Year Fee: ₹3,000* Plus Applicable Taxes

Online Spends

Discount on top brands like Swiggy & BigBasket

Lounge Access

Complimentary lounge access worldwide

Rewards

2X rewards across all retail spends

Updated on January 16, 2025 1:59 pm

Author: Shruti Sharma

Find Best Credit Card Offers

It hardly takes 2 minutes

Mobile Number

+91 0 /10 Digits

Don't worry, this will not affect your credit score

The entered number doesn't seem to be correct

About The Card Reward Details Other Features & Benefits Savings Calculator Fees & Charges Things to Know Card Review FAQs

About Axis Select Credit Card

Axis Bank SELECT Credit Card is designed to offer substantial savings with benefits on major spend categories, including online and offline expenses, travel, groceries, movies, and more. Cardholders can save in the form of accelerated reward earnings on certain bonus categories, discount offers on select brands, and complimentary memberships. Its reward rate on retail spends is quite impressive, even higher than the base rate on premium Axis Bank credit cards such as Magnus.

Cardholders can earn 2X points on retail (offline) transactions, which is a unique feature, as most cards reward miscellaneous offline spends at the base rate. Consumers who usually spend highly on the card and prefer shopping offline would be able to maximize the benefit. However, despite offering an impressive earning rate, the card allows redemption at 1 Reward Point (RP) = Rs. 0.20 or 10:1 when converting to an airline or hotel loyalty program. Cards like HDFC Regalia and SBI Prime provide stronger redemption value, improving overall value.

Beyond the rewards program, Axis SELECT also covers two major categories: dining and groceries by offering direct discounts on Swiggy and BigBasket. For frequent travellers, the card offers Complimentary Priority Pass membership with up to 12 international lounge visits annually. For a card charging Rs. 3,000 as an annual fee, the features cover much ground and could be a good choice for those who are looking for all-round benefits.

Quick Check – Best Credit Cards in India 2025

Reward Benefits

The reward benefits on Axis SELECT Credit Card are as follows:

10 Axis EDGE reward points on every Rs. 200 spent¹
2X (20) Axis EDGE reward points per Rs. 200 spent on retail transactions
Redeem reward points at a value of 1 EGDE Reward Point = Rs. 0.20

Reward Points Redemption

The reward earning rate on Axis SELECT Credit Card is excellent, especially for offline spends (where most cards offer lower rates). The redemption value of these reward points stands too low at 1 RP = Rs. 0.20 if redeemed through rewards catalogue.

Quick Read: Lifetime free credit cards with no annual fee

Other Features & Benefits

Discount on Top Online Brands

With Axis SELECT Credit Card, you can avail discount on BigBasket and Swiggy as mentioned below:

Flat Rs. 500 off in a month on BigBasket on a minimum transaction value of Rs. 3,000
Rs. 200 off, twice a month on a minimum transaction value of Rs. 1,000 on Swiggy²

Welcome Benefit: 10,000 EDGE reward points worth Rs. 2,000 on the first transaction made within 30 days from the date of card issuance.

Savings Calculator

Calculate Your Yearly Savings

How much do you spend Annually? ₹

This is mandatory field

If you spend upto ₹0/yr

Spend Rewards₹0

Milestone Benefits₹0

You save₹0

Joining Fee

₹3,000 Plus Applicable Taxes

Waived off on annual spends of Rs. 8 Lakh

Annual Fee

₹3,000 Plus Applicable Taxes

Need Help understanding?

Ask Your Question

Axis Select: Fees & 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

Rewards Value Back: Axis SELECT vs. HDFC Regalia vs. SBI Card Prime

Here is a detailed comparison of how much you can save using Axis SELECT, HDFC Regalia & SBI Card Prime:

Credit Card	Spend Value to Earn 20,000 Reward Points³	Redemption Value of 20,000 Reward Points
Axis SELECT	Rs. 4 Lakh	Product Catalogue = Rs. 4,000 Air Miles (with Club Vistara, Club ITC, SpiceClub and Air Asia) = Rs. 4,000 Air Mile (with other airlines) = Rs. 2,000
HDFC Regalia	Rs. 7.5 Lakh	Flights and hotel bookings via SmartBuy = Rs. 10,000 Air Mile Conversion = Rs. 10,000 Product Catalogue = Rs. 7,000 Cashback = Rs. 4,000
SBI Card Prime	Rs. 10 Lakh	Redemption via SBI Card’s Rewards Portal = Rs. 5,000

As seen from the table above, Axis SELECT allows you to accumulate a high number of reward points at a comparatively lower spend value but the redemption value is not as good as HDFC Regalia. Both cards give good value on air mile conversion as compared to product purchase via catalogue. If you are a high spender and want to avail travel benefits in exchange of reward points, HDFC Regalia could be a better pick as the redemption value is strong.

Quick Check: Lifetime free credit cards with no annual fee

Things to Know Before you apply

Get this card if:

You either prefer offline spends or already have a credit card for online spends

You frequently travel within India as well as internationally and would like to avail complimentary lounge visits

You spend on Swiggy and BigBasket every month as discounts on these brands would help you save a lot

You can easily spend Rs. 8 Lakh in a year to avail annual fee waiver

Eligibility Criteria:

Age: 18 to 70 years

Occupation: Salaried or Self-employed

Minimum Income Requirement: Rs. 6 LPA

Paisabazaar Review

Overall Rating

4.0_/5

Travel4.0_/5

Rewards4.0_/5

Dining Benefits3.5_/5

What do we like about this card?

Axis Bank SELECT Credit Card is a highly rewarding option for those who prefer store visits, as they can earn double the rewards on retail shopping. The good part is that the accelerated rewards on retail spends are not limited to one or more categories, as cardholders can earn high rewards across all offline transactions. In addition to this, the card also covers more ground with the discount offer on Swiggy and BigBasket, as these are common everyday spend categories.

Pros

Accelerated (2X) rewards across all retail spends
Direct discount on popular brands like Swiggy & BigBasket
Welcome benefit of 10,000 EDGE reward points worth Rs. 2,000
Additional discount on dining at partner restaurants

Cons

Low reward redemption value against air miles and product catalogue
No reward points on fuel, insurance, gold/jewellery and utility bill payments
High forex markup fee of 3.5%
High annual fee of Rs. 3,000

Conclusion

Axis SELECT is an all-rounder credit card offering benefits across multiple categories, such as offline spends, travel, grocery, dining and more. Cardholders can earn accelerated rewards on retails spends along with discount on Swiggy and BigBasket. In addition, Axis SELECT also offers 6 complimentary international lounge visits and 6 more on reaching annual spends of Rs. 3 Lakh, which is again a great advantage considering the card’s annual fee. What the card lacks on is a good redemption value- catalogue redemption as well as air mile conversion. So, it is easier for the user to accumulate substantial reward points but the value back against those rewards could have been better.

Frequently Asked Questions

Everything you need to know about this credit card

Does Axis Select Credit Card offer lounge access?

Yes, Axis Select Credit Card offers complimentary domestic and international lounge visits. Cardholders receive a complimentary Priority Pass Membership in the first year on completing their first transaction within 30 days of card issuance. This membership includes 6 complimentary international lounge visits annually. Additionally, cardholders can earn 6 more international lounge visits per year by spending Rs. 3 Lakh or more in a year. For domestic lounge access, the card offers 2 complimentary visits per quarter on spending Rs. 50,000 in the previous quarter.

How can I get the renewal fee waived for my Axis Select Credit Card?

Axis Select Credit Card comes with an annual fee of Rs. 3,000. However, cardholders can have this fee waived by spending Rs. 8 Lakh or more in a year, effectively making the card free.

What is the limit for international lounge access on Axis Select Credit Card?

The card offers 6 complimentary international lounge visits annually, provided the cardholder activates the complimentary Priority Pass Membership by making the first transaction within 30 days of card issuance. Cardholders can also earn an additional 6 international lounge visits by spending Rs. 3 Lakh or more in a calendar year, increasing the total to 12 visits annually.

What are the food & grocery benefits of Axis Select Credit Card?

Axis Select Credit Card offers discounts on top brands like Swiggy and BigBasket. Cardholders can save Rs. 500 per month on BigBasket purchases with a minimum transaction value of Rs. 3,000. For Swiggy, the card offers Rs. 200 off twice a month on transactions of Rs. 1,000 or more. Additionally, cardholders can save up to Rs. 800 on dining bills through the Axis Bank Dining Delights Program.

Need More Help?

Footnotes

Rent, Insurance, Fuel, Educational Services, Utilities, Government MCC and Gold/ Jewellery transactions do not earn any reward points.
Use promo code AXIS200 at the checkout.
The calculation is based on the base reward earning rate for each card.

Click here to know More Terms and Conditions

Shruti Sharma

Content Writer

Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.

Axis Bank SELECT Credit Card

About Axis Select Credit Card

Reward Benefits

Other Features & Benefits

Savings Calculator

Axis Select: Fees & Charges

Rewards Value Back: Axis SELECT vs. HDFC Regalia vs. SBI Card Prime

Things to Know Before you apply

Get this card if:

Eligibility Criteria:

Paisabazaar Review

Overall Rating

What do we like about this card?

Pros

Cons

Conclusion

Frequently Asked Questions

Does Axis Select Credit Card offer lounge access?

How can I get the renewal fee waived for my Axis Select Credit Card?

What is the limit for international lounge access on Axis Select Credit Card?

What are the food & grocery benefits of Axis Select Credit Card?

Footnotes

Trending Articles on Credit Cards

Explore other Card Categories

Explore Cards from Leading Issuers

CIBIL

Credit Card

Personal Loan

Business Loan

Home Loan

Loan Against Property

Savings Account

Fixed Deposit

Aadhar Card

PAN

Saving Schemes

Banking