The Axis Bank SELECT Credit Card offers great value with discounts on Swiggy, BigBasket, and other apps, along with complimentary worldwide lounge access. Cardholders earn 2X rewards on retail spends, making it ideal for frequent shoppers and travelers. It comes with a first-year fee of ₹3,000 plus applicable taxes.
Axis Bank SELECT Credit Card is designed for users who want strong rewards on everyday retail purchases. It offers double reward points on offline shopping categories such as groceries, apparel, departmental stores, and other daily essentials, along with 10 EDGE Reward Points per ₹200 spent on eligible transactions. The card also provides added savings through partner discounts on platforms like BigBasket and Swiggy, plus up to 12 complimentary international lounge visits each year through a free Priority Pass membership.
Although the card offers a high reward-earning potential, the redemption value of points is comparatively modest—typically around ₹0.20 per point or a 10:1 conversion rate for select travel partners. Even with this limitation, the Axis SELECT Credit Card delivers solid overall value for its ₹3,000 annual fee, especially for users looking for a blend of rewards, lifestyle benefits, and travel privileges.
Reward Earning
Earn 10 EDGE Reward Points for every ₹200 spent on standard eligible transactions.
Get 2X rewards (20 points) per ₹200 spent on retail purchases, applicable on total monthly retail spends up to ₹20,000.
Reward Redemption
Points can be used to redeem gift vouchers, merchandise, and other options through the Axis Bank rewards portal, with an approximate value of ₹0.20 per point.
Convert points to travel partners—airlines or hotel programs—with transfer ratios of 5:1 for select partners and 10:1 for others.
Miles Transfer Partners
Group A Partners:
Group B Partners:
Discounts on Popular Online Platforms
Get ₹500 off each month on BigBasket orders worth ₹2,500 or more.
Enjoy ₹200 off twice a month on Swiggy for orders of ₹1,000 or above.
Avail Buy 1 Get 1 free on movie tickets (up to ₹250) twice a month on the District app using the code AXISSELECT.
Welcome Benefit
Receive 10,000 EDGE Reward Points (worth ₹2,000) after completing the first transaction within 30 days of receiving the card.
Renewal Benefit
BigBasket and Swiggy savings continue automatically after fee renewal.
Spend ₹3 lakh in the previous year to renew the Priority Pass membership from the second year onward.
Milestone Benefits
Earn 5,000 EDGE Reward Points on annual spends of ₹3 lakh.
Priority Pass membership is renewed by achieving the ₹3 lakh yearly spend target.
Get the annual fee waived by spending ₹8 lakh in a card anniversary year.
Travel Benefits
Complimentary Priority Pass membership in the first year after completing the first transaction within 30 days.
Enjoy 6 free international lounge visits every year at 1,200+ lounges worldwide.
Unlock 6 additional visits with annual spends of ₹3 lakh or more.
Get 2 domestic lounge visits per quarter by spending ₹50,000 in the previous quarter.
Golf Benefits
Access 6 complimentary golf rounds per year.
Earn 6 more rounds on yearly spends of ₹3 lakh.
Dining Benefit
Save up to ₹800 on dining through the Axis Bank Dining Delights program.
Fuel Surcharge Waiver
Enjoy a 1% fuel surcharge waiver (up to ₹400 per month) on fuel purchases between ₹400 and ₹4,000.
| 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 |
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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 Points4 | Redemption Value of 20,000 Reward Points |
|---|---|---|
| Axis SELECT | Rs. 4 Lakh |
|
| HDFC Regalia Gold | Rs. 7.5 Lakh |
|
| SBI Card Prime | Rs. 10 Lakh |
|
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 Gold. Both Axis and HDFC 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.
Who Should Consider This Card?
Ideal for those who prefer offline shopping or already use another card for most online purchases.
A great fit for frequent travellers, both domestic and international, thanks to the complimentary lounge access.
Perfect for users who regularly order from Swiggy or BigBasket, as the monthly discounts can lead to substantial savings.
Suitable for individuals who can comfortably spend ₹8 lakh annually, making it easier to qualify for the annual fee waiver.
Eligibility Criteria
Age: Applicants must be between 18 and 70 years.
Profession: Open to both salaried and self-employed individuals.
Minimum Income: A stable annual income of at least ₹6 lakh is required.
If you want to close your Axis Bank SELECT Credit Card, it is advisable to follow the official closure procedure defined by Axis Bank to ensure a smooth and secure cancellation process.
Evaluate Your Decision
Clear All Outstanding Dues
Ensure that there are no pending payments on your credit card account. Clear all dues, including:
The bank will proceed with closure only after confirming that all dues are fully settled.
Submit Closure Request
You can initiate the closure request through multiple channels such as:
While submitting the request, you may need to provide:
Confirm the Request
Avoid Using the Card
Dispose of the Card Safely
Once the closure is confirmed:
Verify Credit Report
Important Points to Remember
If you need assistance regarding your Axis Bank SELECT Credit Card, you can connect with the customer support team of Axis Bank. The bank provides support for billing concerns, payments, card blocking, reward-related queries, and other credit card services.
Customer Care Helpline Numbers
WhatsApp Banking Support
You can also use WhatsApp banking for quick assistance.
SMS Banking Services
To check your account balance:
Other Support Channels
Axis Bank also offers multiple additional support options, including:
Services Available
Important Points
Yes, the Axis Select Credit Card includes complimentary lounge access for both domestic and international airports. Cardholders receive a Priority Pass membership in the first year after completing their first transaction within 30 days of card issuance. This membership grants 6 international lounge visits per year. By spending Rs. 3 lakh or more annually, cardholders can unlock an additional 6 international lounge visits, totaling 12 visits per year. For domestic lounges, the card offers 2 complimentary visits per quarter when you spend Rs. 50,000 in the previous quarter.
The card has an annual fee of Rs. 3,000, which can be waived by spending Rs. 8 lakh or more in a year, effectively making the card free for the year.
Cardholders can enjoy up to 12 international lounge visits per year. This includes 6 complimentary visits with the Priority Pass membership (activated by the first transaction within 30 days) and 6 extra visits for annual spending of Rs. 3 lakh or more.
The card provides discounts on popular food and grocery platforms:
BigBasket: Save up to Rs. 500 per month on transactions of Rs. 3,000 or more.
Swiggy: Get Rs. 200 off twice a month on orders of Rs. 1,000 or above.
Dining Delights Program: Enjoy savings of up to Rs. 800 on dining bills at selected restaurants.
