Axis Bank SELECT Credit Card Review

By | July 8, 2021

Axis Bank SELECT Credit Card is the premium credit issued by Axis Bank. Its has been hosted VISA platform. The Default rewards rate is 1% accompanied by an Excellent host of benefits. Here is a detailed review of this credit card.

The benefits and features are almost the same as old select credit however this credit card has been relaunched with a new design & benefits.

Table of Contents

  1. Fees
  2. Welcome Benefits
  3. Rewards
  4. Milestone Benefits
  5. Complimentary Airport Lounge Access
  6. Other Benefits
  7. Bottom-line


Joining FeesRs.3000
Annual FeesRs.3000
Finance Charges3.40% per month
Foreign Currency Mark Up Fees3.5%
  1. Axis Bank Select Credit card is complimentary exclusively for Burgundy Customers. There are NO Joining as well as Annual fees for Burgundy Customers.
  2. However in case, you lost Burgundy status, Rs.3000+GST charges shall be imposed on you.
  3. In Normal cases, Annual Fees shall be waived off if you spend Rs.3,00,000 or more in the previous year.

Welcome Benefits

  • Amazon voucher : Rs.2000
  • First Transaction should be done within 90 days of Credit card issuance.
  • The Amazon voucher would be sent to your E-mail or SMS.

Its is evident that Axis bank have tried off to sett off Joining fees with welcome benefits. After the completion of the first transaction within 90 days, Rs.2,000 Amazon Voucher shall be send to through the SMS or Email. However you still loose Rs.1,000+ GST for Joining fees.

I , think the Axis Bank Should have given at least Rs.1,000 Zomato Voucher as compensation.


  • Regular Rewards: 10 Axis EDGE points on every Rs.200 spends
  • Accelerated Rewards: 20 Axis EDGE points on every Rs.200 spends (2X Rewards)
  • Rewards Points Value: 1 Rewards Points is equal to 20ps
  • Default Rewards rate: 1% to 2%.

The Rewards rate of 2% is really good, if you consider with other clubbed benefits. However the default reward rate is only 1% for all regulars spends. For getting 2% rewards rate, you have to spends on retail spends.

Milestone Benefits

  • Rs.3 Lakh Spends: 5000 Axis EDGE Rewards points ( Rs.1000) in the anniversary year
  • Rs.6 Lakh Spends Complete Waiver of Annual Fees.

You will get 500 Axis EDGE Rewards points that are equal to Rs.1,000. That increases the overall reward rate to 1.30% for regulars spends. If you achieved the spending limit of Rs. 6 lakh, the Annual fees shall be waived off.

Complimentary Airport Lounge Access

  • International Lounge Access: 6 Complimentary lounge access in a year through Priority Pass Membership.
  • Domestic Lounge Access: 6 Complimentary lounge access in a year.
  • Only primary cardholders of Axis Bank Select Credit Card are eligible.
  • In Year one – on completing one successful transaction on the Axis Bank Select Credit card in the first 90 days of card issuance.
  • Renewal from the Priority Pass membership from year 2 onwards – on spends of Rs.3 Lakhs in the previous yea Renewal process of Priority Pass has been automated and you doesn’t require raise a request for renewal.
  • Check for other terms and Conditions

Other Benefits

Complimentary Golf Rounds

  • 6 complimentary rounds of golf per year
  • 3 additional rounds on spending Rs.3 lakhs annually

The Golf services is provided by the Golflan Technology Solutions Pvt Ltd who is an Axis Bank service provider and the booking shall be processed through the service provider. You need to registered at least four before for Golf services.

Fuel Surcharge Waiver

  • 1% Fuel surcharge waiver across all fuel station.
  • Your transaction should be between Rs.400 to 4000.
  • Maximum waiver is limited to Rs.400 per Statement Cycle.
  • However, you will not get any rewards points on the same.

Dinning Delights

  • 20% Discount through Axis Bank Partnered Restaurant.
  • Just always check the updated list of participating restaurants from the Dining Delight portal.

Big basket Offers

  • Up to 20% Discount on Minimum purchases of Rs.2000
  • Discount is available on both Mobile/App/and Website purchases.
  • This offer is applicable on the First order in each month.
  • The Total Discount is limited to Rs.500 per month.
  • Just use Axis Bank SELECT Credit Card for Check out.

Offers on Swiggy

  • Up to Rs.40% Discount on Swiggy.
  • Minimum Order should be at least Rs.200
  • Just use Code Axis200 at the time of checkout.
  • Discount is limited Rs.200 per months.

BOGO on BookMySho

  • Buy one and get up to Rs 300 off on the second ticket on BookMyShow
  • Applicable once per month per user
  • Potential savings of INR 3600 on BookMyShow in a year 

Eligibility Criteria

The Eligibility Criteria are same as any other Axis Bank Credit card. Here are in the details.

  • Your age should be between 18 to 70 years, and the add-on cardholder needs to be over 18 years of age.
  • You should be a Resident and Non-Resident Indian.
  • Income: Rs.9,00,000 per annum and above


Axis Bank SELECT Credit Card Review
Axis Bank SELECT Credit Card

Axis Bank SELECT Credit Card is the premium credit issued by Axis Bank. Its has been hosted VISA platform. The Default rewards rate is 1% accompanied by an Excellent host of benefits. Here is a detailed review of this credit card.

Editor's Rating:

Axis Bank SELECT Credit Card good introduction from Axis Bank Credit card for Premium Credit card Customers. Premium card does not give direct benefits like Rewards Points or cashback. It comes with a host of other benefits. You can compare this credit card with HDFC Bank Regalia Credit Card which is also a premium credit card issued by HDFC bank.

If you Loved reading this, Share with someone you care!

Avatar of Dhiraj Jha
Author: Dhiraj Jha

Hi, I am Dhiraj Jha— the founder of a leading personal blog website. I’m an experienced financial expert pursuing my main in personal finance. I have completed my graduation from the Institute of Chartered Accountants of India (ICAI). I always wanted to do something big and better, and today I’m here with my passion for helping people utilize their resources wisely. I love to acquire, review and earn reward points/cashback from credit cards, which help me travel worldwide and stay in luxurious hotels. 

2 thoughts on “Axis Bank SELECT Credit Card Review

  1. Avatar of Menka ChoudharyMenka Choudhary

    Yes, This is a good credit card in the premium segment. I am using it for the last 6 months.


Leave a Reply

Your email address will not be published. Required fields are marked *