In the rapidly evolving world of credit cards, consumers are increasingly seeking options that not only offer convenience but also reward their spending habits with meaningful benefits. One such premium offering is the Axis Bank SELECT Credit Card. Designed especially for high-income individuals, this card stands out with its luxurious privileges, lifestyle benefits, travel perks, and strong reward structure. Whether you are a frequent flyer, a shopping enthusiast, or a wellness lover, the SELECT Credit Card adds significant value to your financial lifestyle.

In this blog, we’ll explore the key features, benefits, eligibility criteria, fees, and how you can make the most out of your Axis Bank SELECT Credit Card.

Key Highlights of Axis Bank SELECT Credit Card

• Welcome Benefits worth ₹2,000
• Complimentary airport lounge access
• Dining and wellness offers
• Insurance coverage
• Reward Points on every transaction
• Accelerated rewards for SELECT merchant categories
• Concierge services for travel, bookings & more

Let’s dive deeper into these benefits.

1. Welcome Benefits: Get Rewarded from the Start

When you sign up for the Axis Bank SELECT Credit Card, you are welcomed with benefits worth ₹2,000. These welcome benefits often come in the form of:

• Complimentary gift vouchers from popular brands
• Bonus reward point.
• Discounts on partner platforms

These benefits make the initial experience highly rewarding and justify the joining fee right from the beginning.

2. Earn Reward Points on Every Spend

The SELECT Credit Card helps you earn as you spend. Here's how the reward structure works:

• 2 EDGE Reward Points for every ₹200 spent on regular purchases
• Up to 20 EDGE Reward Points per ₹200 on partner brands
• Accelerated rewards for travel, dining, and wellness spends

Reward Points can be redeemed for:

• Flight tickets
• Hotel stays
• Merchandise
• E-vouchers
• Shopping & more via Axis EDGE Rewards portal

This makes the SELECT card perfect for those who want to maximize value from their monthly spending.

3. Complimentary Lounge Access – Travel in Style

Axis SELECT cardholders can enjoy:

• Complimentary access to domestic airport lounges (8 per year; 2 per quarter)
• International lounge access via Priority Pass membership (6 visits annually)

This is a boon for frequent travelers, offering comfort, free snacks, Wi-Fi, and workspace while waiting for flights.

4. Dining and Wellness Benefits

Foodies and fitness lovers can both rejoice. With SELECT, you get:

• Up to 20% off at over 4,000 partner restaurants via Dining Delights Program
• Discounts and offers at top wellness and spa centers
• Complimentary access to select gyms and spas on curated occasions

These benefits help maintain your lifestyle without digging too deep into your wallet.

5. Insurance Cover – Financial Protection On-the-Go

The SELECT Credit Card comes with complimentary insurance coverage, such as:

• Air Accident Cover up to ₹1 crore
• Purchase Protection
• Lost Card Liability Protection
• Medical emergency cover while traveling abroad

Such insurance benefits provide peace of mind, especially for those who travel frequently or make high-value purchases.

6. Axis Bank Concierge Services

This is where premium truly feels premium. Axis SELECT cardholders get access to 24x7 concierge services, including:

• Travel bookings
• Hotel reservations
• Movie and event bookings
• Car rentals
• Gift deliveries

This feature is perfect for busy professionals and executives who want things done efficiently.

7. Milestone Benefits

Axis Bank encourages you to spend and rewards you generously. For example:

• Spend ₹6 lakh annually and get 10,000 bonus reward points
• Spend ₹10 lakh annually and get additional 10,000 reward points

So, if you’re already spending, why not make those expenses work in your favor?

8. Annual Fee and Charges

• Joining Fee: ₹3,000 + GST
• Annual Fee: ₹3,000 + GST (Waived if you spend ₹6 lakh in the previous year)
• Interest Rate: 3.6% per month or 52.86% per annum

This might seem on the higher side, but considering the benefits, frequent users often find the card pays for itself.

9. Eligibility Criteria

To apply for the Axis Bank SELECT Credit Card, you need:

• Age: 18 to 70 years
• Minimum income requirement: As specified by the bank (usually ₹6 lakh+ annually)
• Good credit score (700+ recommended)
• Proof of income, address, PAN, and ID

Eligibility is subject to internal checks and approval by Axis Bank.

10. How to Apply for the Axis Bank SELECT Credit Card

Applying is simple:

1. Visit Axis Bank official website
2. Search for "SELECT Credit Card"
3. Click on “Apply Now”
4. Fill in your personal and financial details
5. Upload the necessary documents
6. Submit the application

Alternatively, you can apply offline by visiting the nearest Axis Bank branch.

Tips to Maximize Axis SELECT Credit Card Benefits

Here are a few smart tips to get the most out of your card:

• Use it for big-ticket expenses like travel, gadgets, insurance, or festivals
• Track reward points and redeem them regularly
• Book flights and hotels through Axis EDGE Rewards portal for more value
• Use the card for dining and wellness spends to avail extra discounts
• Ensure you hit milestone spends to earn bonus points and waive annual fees

Pros and Cons

✅ Pros

• Excellent lifestyle and travel benefits
• Airport lounge access (domestic + international)
• Milestone rewards and insurance coverage
• 24x7 concierge support
• Redeemable and valuable reward points

❌ Cons

• Annual fee is high if you don’t reach ₹6 lakh spend
• International lounge access limited to 6 visits
• Not ideal for low spenders or basic card users

Final Verdict: Is Axis Bank SELECT Credit Card Worth It?

If you are a salaried or self-employed professional with regular monthly spending, love to travel, dine out, and shop online/offline, the Axis Bank SELECT Credit Card is absolutely worth considering. Its premium offerings, rich reward program, and lifestyle benefits make it a well-rounded card for aspirational individuals looking for value.

Apply Now:-.............