Axis Bank SELECT Credit Card: Benefits & Apply

Summary

Axis Bank SELECT Credit Card is a premium credit card designed to deliver exclusive benefits and rewards to those customers who want to live the life of luxury and value-added services. Its classy design makes it not just look fashionable but also comes with an array of advantages that increase the value in your day-to-day experiences.

Key advantages of the Axis Bank SELECT Credit Card are earning EDGE REWARD Points on all purchases, which can be used for shopping, travel, gift cards, and more. Welcome gift vouchers from leading brands are given to cardholders as an instant advantage. For business travelers, the card provides free access to domestic and international airport lounges, providing a comfortable travel experience.

In addition, the Credit card offers dining discounts at certain restaurants, complimentary health check-ups, and movie ticket discounts, thus, it is most appropriate for people who like to dine out or go to the movies. Golfers are also offered free golf and lessons at certain golf courses with the card.

Introduction

In the busy life of today, possessing a credit card is not only a luxury but also an intelligent way to handle your money and reap benefits too. You could be a consumer, an international traveler, a food lover, or a movie buff – Axis Bank SELECT Credit Card may be the one you have been searching for. This premium credit card features a range of rewards, lifestyle benefits, and savings benefits that truly make your everyday moments come alive.

The Axis Bank SELECT Credit Card is specifically crafted for those who want more value from their purchases. If you are purchasing air tickets, staying in a luxurious hotel, or shopping online, this card will reward you with reward points that can be used later to buy exciting gifts and vouchers. Apart from this, it also provides complimentary lounge access in airports, which is a major benefit for frequent travelers.

One of the biggest attractions of the SELECT Credit Card is the welcome rewards. When you are issued this card, you are welcomed with gift vouchers of popular brands, which put you in front from the moment you get the card. As you continue to use the card, you earn EDGE REWARD Points on every purchase. These points can be earned and redeemed for shopping, travel, electronics, and more on Axis Bank’s rewards platform.

Yet another benefit of the Axis Bank SELECT Credit Card is its lifestyle and wellness-driven benefits. Its members are given discounts on eating at restaurants at its partner restaurants, complimentary health check-ups, and priority booking for golf sessions. If you’re a movie buff, you also get discounts on bookings of movie tickets, making your weekends even more enjoyable.

What is the Axis Bank SELECT Credit Card?

Axis SELECT Credit Card is a premium credit card by Axis Bank that offers you multiple rewards and privileged benefits when you dine, shop, travel, and more using it. It is designed for those who seek extra value and convenience in everyday spending.

With this card, you can earn reward points on all your transactions, enjoy airport lounge access for free, receive restaurant discounts, and even enjoy free health check-ups. It also gives you welcome gifts in the form of gift vouchers and special discounts on movie tickets and golfing sessions. In short, the Axis Bank SELECT Credit Card helps you save money while giving you a life of luxury.

How is the design of the Axis Bank SELECT Credit Card?

The SELECT Credit Card comes with a modern and sleek design that makes it look classy and classy. The card typically features a deep black or dark shade with a matte finish, which provides a sophisticated and elegant appearance.

SELECT is emblazoned on the front, and Axis Bank’s logo, large bold letters. The look says it all about the premium capabilities and lifestyle benefits the card must deliver. It’s not just a spending tool—it’s nice to look at when you insert it in your wallet or use it in a store, hotel, or restaurant.

What are the benefits of the Axis Bank SELECT Credit Card?

Axis SELECT Credit Card features several useful and interesting aspects, making your daily spending rewarding and exciting. These are the major features:

1. Welcome Gift Vouchers:

When you get the card, you are welcomed with welcome vouchers of popular brands like Amazon, Flipkart, or upscale retail stores. This is an advance savings boost.

2. Reward Points:

You accumulate EDGE REWARD Points on all purchases. These points can be used for shopping, travel, gift cards, electronics, and much more.

3. Airport Lounge Access:

The card offers free access to domestic and international airport lounges.This is perfect for regular travelers who want convenience in flight waiting time.

4. Dining Discounts:

Avail up to 20% discount at partner restaurants in India on Axis Bank’s Dining Delights programme.

5. Health & Wellness Benefits:

Enjoy free annual health check-ups and exclusive well-being promotions.

6. Cinema Ticket Offers:

You can get discounts or offers on cinema tickets booked through partner sites.

7. Golf Courses:

The card provides free golf rounds and golf lessons at partner Indian golf courses.

8. Fuel Surcharge Waiver:

You are exempt from a 1% fuel surcharge on fuel purchases at all petrol pumps in India (within specified limits).

9. Security Features:

The card also offers zero liability on lost/stolen cards in the event of timely reporting. The card also includes purchase protection, offering an added layer of security for your transactions.

10. Easy EMI Options:

You can make big purchases comfortably in EMIs and pay installments without a worry.

What are the fees for the Axis Bank SELECT Credit Card?

Here is a simple breakdown of the Axis Bank SELECT Credit Card fees.

Joining Fee	₹3,000 + GST
Annual Fee	₹3,000 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.75% per month (55.55% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an Axis Bank SELECT Credit Card?

The following are the primary requirements:

1. To apply for the Axis Bank SELECT Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 3 lakh usually does the job.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for Axis Bank to favor borrowers with a better credit score, usually above 750. A better credit score generally indicates that the person has an excellent history in managing their finances and is quite reliable as a borrower.

5. You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.

6. A salaried person must be employed with a reputable company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good, consistent income. This may be your income tax returns and bank statements.

What documents are required to get an Axis Bank SELECT Credit Card?

The documents that you will have to submit to get an Axis Bank SELECT Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Axis Bank SELECT Credit Card be used?

Here is the list of places where you can use it:

• With the Axis Bank SELECT Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Axis Bank SELECT Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Axis Bank SELECT Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Axis Bank SELECT Credit Card?

The credit amount you can spend is what you are provided with an Axis Bank SELECT Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an Axis Bank SELECT Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Axis Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Axis Bank; for instance, you can choose the Axis Bank SELECT Credit Card.

• Just hover your cursor on the Axis Bank SELECT Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest Axis Bank branch to apply for the Axis Bank SELECT Credit Card.

• Request for the credit card application form of the Axis Bank SELECT Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Axis Bank SELECT Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Axis Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an Axis Bank SELECT Credit Card in 2025 be right?

Yes, getting an Axis Bank SELECT Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Short of it, Axis Bank SELECT Credit Card is for anyone looking to have a better lifestyle with several rewards. You could be a shopaholic, food enthusiast, or traveler; this credit card offers you different benefits as per your selection.From accruing precious reward points on every buy to obtaining membership to luxurious advantages like airport clubs, eating establishment discounts, and medical benefits, it offers so much more than just payment.

The card also provides extensive security benefits like zero liability if cards are lost and purchase protection to secure your funds and information. Additionally, the accessible special offers like discounted films at cinema halls, golf lessons, and health check-ups add more value to your cardholder experience.

Also, procuring the Axis SELECT Credit Card is a breeze, and the benefits far outweigh the fees. It’s perfect for a person who needs a high-end credit card that not only rewards them on their spending but lets them live life in style.

Frequently Asked Questions (FAQ’s)