Axis Bank SELECT Credit Card
Axis Bank
Annual Fee
₹3,000
Joining Fee
₹3,000 + GST
Base Reward
2% cashback
Foreign Markup
3.5% + GST
Fee Waiver
Renewal Fee Waived on Spends of ₹8 Lakh or More
Interest Rate
3.75% per month
Welcome Benefits
10,000 EDGE Reward Points (Worth ₹2,000) on First Transaction
Product Highlights
- 20 EDGE Points/₹200 on retail spends
- 12 complimentary international lounge accesses
- 5% CashBack on Amazon
- 5% CashBack on Flipkart
- 1% CashBack on all other spends
Rewards
Earn 20 EDGE Points per ₹200 on retail spends up to ₹20,000 cumulatively per month, and 10 EDGE Points per ₹200 spent thereafter. Enjoy discounts at partner restaurants and on Swiggy orders.
Redemption
1 CashPoint = ₹1 against statement
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 2%(20 EDGE Points/₹200 on Retail Spends) | No cap |
dining | 25%(Up to ₹800 off on dining transactions) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Swiggy | Flat ₹200 off(Valid twice a month on minimum transaction amount of ₹1,000) | online |
| BigBasket | Flat ₹500 off(On minimum purchase of ₹2,500) | online |
| Amazon | 5% CashBack | online |
| Flipkart | 5% CashBack | online |
Benefits & Features
Domestic: 4 complimentary visits per quarter via DreamFolks (Spends of ₹50,000 or More in the Previous 3 Months) International: 2 per year via Priority Pass (With Priority Pass Membership) Full lounge access description
Fees & Charges
Eligibility
Min Age
21 years
Max Age
40 years
Min Income (Salaried)
₹35,000
Min Income (Self-Employed)
₹6,00,000
Available Networks
Pros & Cons
Pros
- ₹200 off on Swiggy orders twice a month
- Complimentary priority pass membership included
- 1,000 CashPoints on card setup
- 4 complimentary lounge visits per quarter
- ₹1,000 gift vouchers on ₹1L quarterly spend
Cons
- No reward points on fuel transactions
- High joining fee of ₹3,000 plus applicable taxes
- Annual fee of ₹1,000
- Limited to specific merchants for higher cashback
Additional Info
Important note 1
Note 2
Earn 20 EDGE Points/₹200 on spends up to ₹20,000 cumulatively per month.
Excluded Categories