Axis Bank SELECT Credit Card

The Axis Bank SELECT Credit Card is a good shopping card , especially if you want the flexibility of earning rewards on both online as well as in-store shopping. It has appealing partnerships with a variety of shopping and entertainment partners. It is especially attractive if you utilise the lifestyle benefits on offer like complimentary airport lounge access both in India & abroad, and complimentary golf.

Brief Summary

Features & Benefits of the Axis Bank SELECT Credit Card

2% benefit on retail shopping purchases – on purchases upto ₹20000 per month (2X)

You earn 20 EDGE reward points worth ₹4, on every ₹200 you spend on retail shopping (meaning 10 EDGE reward points worth ₹2 on every ₹100 you spend – 2% benefit). Retail shopping refers to the following types of spends – department store purchases, grocery purchases, apparel/clothing & accessory purchases, womens wear & childwear purchases, family clothing.

This 2% special benefit rate is applicable only on retail shopping purchases upto ₹20,000 per month.

1 EDGE reward point = ₹0.20 or 20 paise. You can redeem EDGE reward points on Axis Bank EDGE Rewards platform for a range of gift vouchers, products, and more. You can access the Axis Bank EDGE Rewards platform through the Axis Bank EDGE Rewards Portal, mobile app, or Internet banking. Click here for more details. Reward points are valid for 3 years. 

Another option is to convert EDGE REWARD points into partner points at airline & hotel partners.
– 5 EDGE reward points = 1 partner point (at Vistara, SpiceJet, Airasia & ITC loyalty programs).
– 10 EDGE reward points = 1 partner point (at various other loyalty programs).
For details, please click here and refer to the column under Select & Privilege Credit Card.

✓ You cannot convert more than 5 lakh EDGE reward points to partner points, in a year. There are further restrictions – on a certain set of partners (Group A) you can transfer of maximum of 1 lakh EDGE reward points in a year , while on the other set (Group B) you can transfer a maximum of 4 lakh EDGE reward points in a year, please see below-
– Group A : Accor Hotels (Accor Live Limitless), Air Canada (Aeroplan), Ethiopian Airlines , Etihad (Etihad Guest), Japan Airlines (JAL Mileage Bank), Marriott International ( Marriott Bonvoy), Qatar Airways, Singapore Airlines (Krisflyer), Turkish Airlines, Thai Airways ( Royal Orchid Plus), United Airlines (MileagePlus), Wyndham Hotels (Wyndham Rewards)
– Group B : Air France-KLM (Flying Blue), Air India (Flying Returns), Air Asia, ITC, IHG® Hotels & Resorts (IHG One Rewards), Qantas Airways (Qantas Frequent Flyer), SpiceJet, Vistara (TATA SIA Airlines Ltd)

For the year 2024, customer can convert 5 lakh EDGE reward points from 20th April 2024 – 31st December 2024. From next year onwards, capping will be applicable from 1st Jan’25 to 31st Dec’25. For more details, please click here.

1% benefit on all other card spends (X)

You earn 10 EDGE REWARD Points worth ₹2, on every ₹200 you spend on all other card purchases (meaning 5 EDGE REWARD Points worth ₹1 on every ₹100 you spend – 1% benefit).

1 EDGE reward point = ₹0.20 or 20 paise. You can redeem EDGE reward points on Axis Bank EDGE Rewards platform for a range of gift vouchers, products, and more. You can access the Axis Bank EDGE Rewards platform through the Axis Bank EDGE Rewards Portal, mobile app, or Internet banking. Click here for more details.

Exceptions : No reward points are earned on the following types of spends – fuel, rent, wallet load, gold/jewellery, EMI transactions, purchases converted to EMI post facto, cash advances, payment of outstanding balances, payment of card fees and other card charges.

Upto 0.3% additional benefit (milestone benefit)

You earn 5000 EDGE points worth ₹1000, at annual card spend of ₹3 lakhs.

– The following spends will be not be counted as eligible spends towards this card spend based milestone benefit – rent, wallet loads, government services, utilities, gold/jewellery, insurance, fuel and educational services.

Complimentary airport lounge access abroad – 12 times per year

You get international airport lounge access through the Priority Pass Program – 12 times per year. Priority Pass membership is activated by doing one transaction on your card , within 90 days of receiving the card.

Your complimentary Priority Pass is renewed each year, only if you spend ₹3 lakhs or more on your card, in the previous year. To know more details on this program, please click here .

Complimentary airport lounge access in India – 2 times per quarter

To know more details about this program, please click here .

To access complimentary lounge from 1st May 2024 onwards, you need to have spent a minimum of ₹50,000 on your credit card in the previous 3 months. 

In case of a newly issued card, the minimum spend criteria is waived for the month of card issuance as well as for the following three months. For example, if card issuance date is 20th March 2024, you will be able to access lounge for the period 20th March to 30th June 2024, without any minimum spend requirement. But if you want to avail lounge access after this period (in this case July 2024), then you will be able to do so only by spending ₹50,000 from 1st April to 30th June 2024 (preceding 3 months).

₹500 discount at BigBasket – 1 time per month

Minimum order amount of ₹3000 is necessary, you can avail this offer once per month.

Hence you get 16.6% discount on a BigBasket order of ₹3000. The discount percentage reduce as the order size increases above ₹3000.

This offer is not applicable on products from Bigbasket Specialty Store, and excludes the following products – baby cereals, baby foods, infant formula, organic baby foods and Srilalitha rice of all pack sizes. Payment needs to be made with the Axis Bank Select Credit Card. For more details on this offer , please click here .

₹200 discount at Swiggy – 2 times per month

You get a ₹200 discount at Swiggy. Minimum order of ₹1000 is necessary.

Hence you get 20% discount on an order of ₹1000, discount percentage will fall as order size increases over ₹1000.

This offer is valid 2 times per month, when payment is made with the Axis Bank Select Credit Card.

Dining offers in partnership with EazyDiner (Dining Delights Program) : 25% discount (upto ₹800) once a month, at participating restaurants

This program is offered by Axis Bank, in partnership with EazyDiner. You get a 25% discount up to ₹800 on your restaurant orders, at over 4000 restaurants nationwide. For a list of participating restaurants and more information, please visit here. Minimum order amount required is ₹2500. 

Hence you get a 25% discount on orders between ₹2500 and ₹3200. On orders above ₹3200, your discount percentage falls below 25%. For example, if your order amount is ₹4000, you will get a maximum discount of ₹800 and your discount percentage would be 20%. And if your order amount is ₹1800, you get no discount since the minimum order value to avail the discount is ₹2500.

This offer can be redeemed once every month.

Complimentary golf rounds – upto 12 per year

You get 6 complimentary golf rounds per year.

You get 6 additional complimentary golf rounds per year, on spending ₹3 lakhs or more on your card in the previous year.

For availing the benefit, please visit https://www.extraordinaryweekends.com/

Complimentary insurance covers

You enjoy various complimentary insurance benefits –
– ₹1 lakh purchase protection cover
– US$ 500 cumulative coverage for loss of travel documents, check-in baggage delay, check-in baggage loss

Fuel surcharge waiver, upto ₹400 per month

You get a 1% fuel surcharge waiver, only on fuel transactions between ₹400 and ₹4000. And on fuel purchases upto ₹40,000 per month, since the maximum waiver amount is restricted to ₹400 per monthly card statement cycle.

No reward points are earned on fuel spends.

Axis Bank 24/7 customer care support

Please click here for all the options to contact the bank for various issues and escalations.

Eligibility Criteria

Application Process

Step-by-step guide

Necessary documents and verification

Conclusion

In conclusion, the Axis Bank SELECT Credit Card is a good shopping card which rewards both online and in-store shopping, and has some appealing partnerships with a variety of shopping and entertainment partners. If you can utilise most of the attractive lifestyle benefits on offer, then the card is a good choice.