Axis Bank Select Credit Card is a premium credit card offered by Axis Bank, one of the leading private sector banks in India. Axis Bank Select Credit Card is designed to cater to the needs of high net worth individuals who seek exclusive privileges and rewards. The Axis Bank Select Credit Card comes with a plethora of benefits, including higher reward points, travel perks, lifestyle benefits, and much more.
With Axis Bank Select Credit Card, customers can enjoy a range of benefits such as complimentary airport lounge access, discounts on dining and shopping, exclusive concierge services, and much more. Additionally, Axis Bank Select Credit Card offers attractive cashback and reward points on every transaction, making it a preferred choice for customers who wish to enjoy luxurious benefits and a premium lifestyle.
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| Joining Fee | Rs.3000 |
| Annual Fee | Rs. 3,000. However, the annual fee is waived off if the cardholder spends Rs. 2.5 lakhs or more in a year. |
| Best Suited for | frequent travelers |
| Best Features | Complimentary lounge access: Cardholders can enjoy access to domestic lounges at airports across India. Travel benefits: Cardholders can enjoy discounts on flight bookings and hotel stays through MakeMyTrip. Dining benefits: Cardholders can enjoy discounts at select restaurants across India. Reward points: Cardholders can earn 10 reward points for every Rs. 200 spent on the card. These points can be redeemed for a variety of rewards, including travel vouchers, gift cards, and merchandise. Insurance coverage: The card comes with insurance coverage for lost baggage, delayed flights, and other travel-related incidents |
| Reward Points | 10 reward points for every Rs. 200 spent on the card |
| Cashback | Nil |
| Yoindi rating | 3/5 |
| Joining Fee | NIL |
| Annual Fee | NIL from the second year |
| Supplementary card joining fee | NIL |
| Supplementary card annual fee | NIL |
| Finance charges on cash and retail purchases | 2.95% per month (41.75% per annum) |
| Cash withdrawal fees | 2.5% of the amount of cash withdrawn (A minimum of Rs.250) |
| Fee for payment in cash | Rs.100 |
| Card Replacement Fee (for stolen or lost or re-issuance of a card) | No charges |
| Fee for the issuance of a duplicate statement | No charges |
| Late payment fee or overdue penalty | Rs.300 in case the outstanding amount is up to Rs.2,000 Rs.400 in case the outstanding amount is between Rs.2,001 to Rs.5,000 Rs.600 in case the outstanding amount is Rs.5,001 or more |
| Penalty for over limit | 3% of the over limit amount (a minimum of Rs.500) |
| Fee for retrieval of charge slip or copy request | Waived |
| Fee for outstation cheque | Waived |
| Dishonour fee or check return or auto-debit reversal bank account out of funds | Rs.300 |
| Charges on cancellation or purchase of railway tickets | As suggested by Indian Railways/IRCTC |
| Surcharge on fuel transaction | 1% of the amount transacted (refunded for transactions between Rs.400 and Rs.4,000) |
| Fee on foreign currency transaction | 3.50% on the transaction valu |
| Mobile alerts for transactions | Free of cost |
| Charges for hot listing | Free of cost |
| Charges on balance enquiry | Free of cost |
To be eligible for the Axis Bank Select Credit Card, applicants must be between 18 to 70 years of age. They must also have a minimum income of Rs. 9 lakh per annum. The card is available to both salaried and self-employed individuals who meet these eligibility criteria.
| Type of documents | Documents accepted |
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| Proof of identity | PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government approved photo ID proof |
| Proof of Address | Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement or any other government approved address proof |
| Proof of Income | Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement |
You can check the status of your Axis Bank Select Credit Card application through the following methods:
1. Online: You can visit the Axis Bank website and click on the ‘Track Your Application’ option under the ‘Credit Cards’ section. You will then be required to enter your application reference number and mobile number or date of birth to check the status of your application.
2. Customer Care: You can call the Axis Bank customer care number at 1860-419-5555 or 1860-500-5555 to check the status of your credit card application. You will be required to provide your application reference number and other details to the customer care executive.
3. Branch Visit: You can also visit the nearest Axis Bank branch to check the status of your credit card application. The bank executive will require your application reference number and other details to provide you with the status of your application.
It is advisable to keep your application reference number handy while checking the status of your Axis Bank Select Credit Card application. Additionally, you can also check the status of your application through SMS by sending “STATUS <Application Reference Number>” to 5676782 from your registered mobile number.
The Axis Bank Select Credit Card comes with a host of advantages, including:
1. Welcome Benefits: Customers can enjoy attractive welcome benefits, such as reward points or cashback, on their first transaction made using the Axis Bank Select Credit Card.
2. Complimentary Airport Lounge Access: Cardholders can enjoy complimentary access to select domestic and international airport lounges across the world, making their travel experience more comfortable and luxurious.
3. Reward Points: Cardholders earn higher reward points on their transactions, including bonus points for using their credit card for online spends or during their birthday month. These reward points can be redeemed for various benefits like cashback, travel bookings, or shopping vouchers.
4. Dining and Shopping Discounts: Cardholders can enjoy attractive discounts on dining and shopping at select partner outlets across the country.
5. Concierge Services: The card also provides customers with exclusive concierge services, including travel assistance, hotel bookings, and much more, ensuring that customers can travel with ease and comfort.
6. Insurance Cover: The Axis Bank Select Credit Card also comes with complimentary insurance coverage for lost card liability, air accident, and other unforeseen events.
7. Milestone Benefits: Cardholders can enjoy additional benefits such as bonus reward points, cashback, or travel vouchers on reaching specific milestone spends in a year.
Overall, the Axis Bank Select Credit Card is designed to cater to the exclusive needs of high net worth individuals, providing them with a host of luxurious benefits and services to enhance their lifestyle.
While the Axis Bank Select Credit Card offers many benefits, it also has a few drawbacks that should be considered before applying for the card. These include:
1. High Annual Fee: The Axis Bank Select Credit Card comes with a high annual fee, which can be a significant financial burden for some customers.
2. Eligibility Criteria: The eligibility criteria for the Axis Bank Select Credit Card are high, and only individuals with a high credit score and income are eligible for the card.
3. Limited Acceptance: The Axis Bank Select Credit Card is not accepted everywhere, and customers may face issues using the card at some merchant outlets or online websites.
4. Foreign Currency Markup Fee: The card comes with a foreign currency markup fee, which can be high, making it expensive for customers to use the card for international transactions.
5. Late Payment Charges: Customers who fail to make timely payments or pay the minimum amount due on their credit card bill are subject to high late payment charges, which can further increase the financial burden on the customer.
In summary, the Axis Bank Select Credit Card is a premium credit card that comes with many exclusive benefits, but it is essential to consider the drawbacks before applying for the card, particularly the high annual fee and eligibility criteria.
The Axis Bank Select Credit Card is a premium credit card designed to cater to the exclusive needs of high net worth individuals who seek luxurious benefits and privileges. It is ideal for individuals who have a high credit score, high income, and high spending patterns. The card is best suited for frequent travelers who want to enjoy airport lounge access, travel benefits, and concierge services.
The card is also ideal for individuals who enjoy dining out, shopping, and other luxury experiences, as it offers attractive discounts and benefits at select partner outlets. Additionally, the card is suitable for individuals who want to earn higher reward points and redeem them for various benefits such as cashback, travel bookings, or shopping vouchers.
Overall, the Axis Bank Select Credit Card is a premium credit card that offers a range of exclusive benefits and services to enhance the lifestyle of high net worth individuals. It is best suited for individuals who have a high credit score and income, and who value the privileges and rewards offered by the card.
To activate your Axis Bank Select Credit Card, you can follow the below-mentioned steps:
It is essential to activate your credit card immediately after receiving it to start using the benefits and privileges offered by the card.
If you have any queries or concerns regarding your Axis Bank Select Credit Card, you can reach out to the Axis Bank customer care team through the following methods:
It is advisable to keep your credit card details and registered contact details handy while contacting the customer care team. Additionally, if your credit card is lost or stolen, you can immediately report the same to the Axis Bank customer care team to block your card and prevent any fraudulent transactions.
The credit limit for the Axis Bank Select Credit Card is determined by the bank based on several factors, including the applicant’s income, credit history, credit score, and other financial obligations. The credit limit is subject to change based on the customer’s credit behavior and credit score.
The Axis Bank Select Credit Card is a premium credit card designed for high net worth individuals with high creditworthiness. Hence, the credit limit offered for this card is generally higher than that offered for regular credit cards.
However, the actual credit limit offered to an individual can vary based on their eligibility and other factors. To know your credit limit for the Axis Bank Select Credit Card, you can log in to your Axis Bank net banking account, or you can contact the Axis Bank customer care team to inquire about your credit limit.
The due date for the Axis Bank Select Credit Card is different for every customer, and it is mentioned on the monthly credit card statement. Typically, the due date is around 20-25 days from the statement generation date, and customers are required to pay the minimum amount due or the full outstanding amount on or before the due date to avoid any late payment charges or interest.
To know the due date of your Axis Bank Select Credit Card, you can check your credit card statement, which is sent to your registered email address or postal address every month. Additionally, you can also check your due date by logging in to your Axis Bank net banking account or mobile banking app, where you can view your credit card statement and payment due date.
It is essential to make timely payments to avoid late payment charges and maintain a good credit score. If you are unable to make the payment by the due date, you can contact the Axis Bank customer care team and request for a grace period or an extension. However, please note that interest charges may be applicable on the outstanding amount during the grace period or extension.
You can make the Axis Bank Select Credit Card bill payment through the following methods:
1. Axis Bank Internet Banking: Log in to your Axis Bank Internet Banking account, go to the ‘Credit Card’ section, and select ‘Make Payment.’ Enter the required details and submit the payment. The payment will be credited to your credit card account within 1-2 working days.
2. Axis Bank Mobile App: Log in to your Axis Bank Mobile App, go to the ‘Credit Card’ section, and select ‘Make Payment.’ Enter the required details and submit the payment. The payment will be credited to your credit card account within 1-2 working days.
3. NEFT/IMPS/UPI: You can also make the credit card bill payment through NEFT/IMPS/UPI transfer from your bank account to the Axis Bank credit card account. To do this, add the Axis Bank credit card as a beneficiary and transfer the amount. The payment will be credited to your credit card account within 1-2 working days.
4. Axis Bank ATM: You can also make the credit card bill payment by visiting any Axis Bank ATM and selecting ‘Credit Card Payment’ from the menu. Enter the required details and submit the payment. The payment will be credited to your credit card account within 1-2 working days.
5. Auto-debit: You can set up an auto-debit instruction to deduct the credit card bill amount from your Axis Bank savings account on the payment due date every month.
It is important to make the credit card bill payment on or before the due date to avoid any late payment charges and interest charges. Additionally, you can also make part payments or pay the full outstanding amount to maintain a good credit score.
Yes, you can pay your Axis Bank Select Credit Card bill in cash by visiting the nearest Axis Bank branch or any authorized bank branch that accepts Axis Bank credit card payments. You need to fill in the credit card payment slip with the required details such as your credit card number, payment amount, and name, and submit it along with the cash payment at the counter.
However, it is important to note that Axis Bank may charge a processing fee for cash payments, and the payment may take up to 2-3 working days to reflect in your credit card account. Hence, it is recommended to use other payment methods like internet banking, mobile banking, or NEFT/IMPS/UPI transfer for faster and convenient credit card bill payments.
Additionally, please note that cash payments may not be accepted for large amounts due to regulatory restrictions. Hence, it is advisable to check with the bank beforehand regarding the maximum limit for cash payments.
You can get the PIN of your Axis Bank Select Credit Card through the following methods:
1. Axis Bank Internet Banking: Log in to your Axis Bank Internet Banking account, go to the ‘Credit Cards’ section, and select ‘PIN Change.’ Follow the instructions and generate a new PIN for your credit card.
2. Axis Bank Mobile App: Log in to your Axis Bank Mobile App, go to the ‘Credit Cards’ section, and select ‘PIN Change.’ Follow the instructions and generate a new PIN for your credit card.
3. Axis Bank ATM: You can also generate a new PIN for your credit card by visiting any Axis Bank ATM and selecting ‘Set/Reset PIN’ from the menu. Enter the required details, and the new PIN will be sent to your registered mobile number.
4. Axis Bank Customer Care: You can call the Axis Bank customer care toll-free number 1800-419-5959 and request for a new PIN. The new PIN will be sent to your registered mobile number.
It is important to keep your credit card PIN safe and confidential to prevent unauthorized transactions on your card. Additionally, it is recommended to change your credit card PIN periodically for added security.
