INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official axisbank.com (Axis Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️Axis Bank Ltd.Network: Visa SignatureTravel & Aviation CardsLast Verified: 2026-09-28

Axis Select Credit Card

एक्सिस सेलेक्ट क्रेडिट कार्ड

Premium lifestyle card offering 8 domestic & 6 international lounge visits, 6 complimentary golf rounds, and BookMyShow B1G1 tickets.

Annual Fee₹3,000 + GST (Renewal: ₹3,000 + GST)

Reward Rate10 EDGE Reward Points per ₹200 spent on regular retail purchases. 2X Reward Points (20 EDGE points per ₹200) on retail grocery and supermarket spending (capped at 1,000 points per month).

Airport Lounge2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually). 6 complimentary international lounge visits per calendar year via Priority Pass with spend qualification.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

Axis Select Credit Card is a premium lifestyle card engineered for Priority Banking clients and corporate managers. It offers 8 domestic and 6 international lounge accesses with Priority Pass, 6 golf rounds annually, BookMyShow B1G1 tickets, and 2X points on grocery shopping.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹3,000 + GST (Renewal: ₹3,000 + GST)

Fee Waiver: Spend ₹6,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹3,000 waived.

🎁Welcome Benefit

Amazon gift voucher worth ₹2,000 upon completing first retail transaction within 30 days of card issuance.

⚡Reward Points Structure

10 EDGE Reward Points per ₹200 spent on regular retail purchases. 2X Reward Points (20 EDGE points per ₹200) on retail grocery and supermarket spending (capped at 1,000 points per month).

Redemption Value: 1 EDGE Reward Point = ₹0.20 against merchandise, retail vouchers, or statement credit.

🛫Airport & Railway Lounge Access

2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually). 6 complimentary international lounge visits per calendar year via Priority Pass with spend qualification.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹1 Crore. Emergency overseas medical treatment cover up to $10,000. Baggage loss/delay cover up to ₹50,000.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000 (maximum waiver of ₹400 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Up to 6 complimentary rounds of golf every year. Buy 1 Get 1 free movie ticket discount on BookMyShow up to ₹250 twice a month. Annual fee reversal on ₹6 Lakhs spend.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Annual fee waiver requires a steep ₹6 Lakhs annual spend. International lounge visits require spending ₹3 Lakhs in the prior 12 months. Forex markup is standard 3.50%.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.60% monthly finance charges.

Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹1,200 for outstanding above ₹10,000 (+ GST).

Reward Points ExpiryEDGE Reward Points expire 3 years (36 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 18 to 70 with monthly salary exceeding ₹75,000. Self-employed individuals aged 18 to 70 with annual ITR exceeding ₹9,00,000.

Age Requirement18 to 70 Years

Minimum Income₹75,000/month (Salaried) / ₹9,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 740+ is standard. Axis Priority Banking account holders receive preferential processing.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Check card eligibility on axisbank.com/select or via Axis Mobile app.

2Enter PAN and mobile number for soft eligibility evaluation.

3Select Axis Select Credit Card.

4Enter employer details and monthly salary.

5Complete online Video KYC session with bank official.

6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any Axis Bank branch through a Priority Banking Relationship Manager with PAN, Aadhaar, salary slips, and Form 16.

Visit Official Card Page (axisbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with Form 16 OR Last 2 years' ITR computation

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Axis Select Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹1,200 for outstanding above ₹10,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on Axis Select Credit Card into EMI?

Yes, Axis Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on Axis Select Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into Axis Bank Ltd.'s official mobile banking application or web portal. 1 EDGE Reward Point = ₹0.20 against merchandise, retail vouchers, or statement credit. Please note: EDGE Reward Points expire 3 years (36 months) from the date of accrual.

What is the interest-free grace period on Axis Select Credit Card and how does it work?

The interest-free period on Axis Select Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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