Axis Bank
Signature · SELECT
Axis Bank SELECT Credit Card
Axis Bank
Premium rewards on every swipe with accelerated EDGE points
Annual Fee
₹3,000
Joining Fee
₹3,000
Reward Rate
1.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹36,460
Total Annual Benefits
₹40,000
Total Annual Charges
₹3,540
ROI
1030%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (2)
20 EDGE Points per ₹200 (up to ₹20K/mo)
Earn 20 EDGE Reward points per ₹200 on monthly spends up to ₹20,000
- • Valid on first ₹20,000 of monthly spend
- • 10 EDGE per ₹200 thereafter
20 EDGE per ₹200
10 EDGE Points per ₹200 (after ₹20K/mo)
Earn 10 EDGE Reward points per ₹200 on monthly spends above ₹20,000
- • Applicable on spends above ₹20,000 per month
10 EDGE per ₹200
Airport Lounge Access (1)
Domestic Lounge Access
8 complimentary domestic airport lounge visits per quarter
- • Swipe card at participating lounges
- • Max 8 visits per quarter
8 visits/quarter
₹80,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- • Valid on transactions ₹400–₹4,000
- • Max ₹400 per statement cycle
1% waiver
₹4,800/yr
Reward Program
Program
Axis EDGE Reward Points
10–20 EDGE per ₹200
Effective cashback: 1.00%
Points expire: 3 years from date of accrual
Redemption Options
- → Flights & Hotels via Edge Rewards portal
- → Products & Gift Vouchers
- → Statement credit
Bonus Categories
All spends (up to ₹20K/mo)
2x multiplier
20 EDGE per ₹200
All spends (above ₹20K/mo)
1x multiplier
10 EDGE per ₹200
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹3,000 Excluding GST at 18% |
| Annual Fee | ₹3,000 Excluding GST at 18% |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.6%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹400/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹50,000
- Min. Annual Income
- ₹6,00,000
- Min. Credit Score
- 720
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹50,000
- • Self-Employed: ITR > ₹6 Lakh p.a.
- • Age 21–65 years
- • Good credit history required
Insurance Coverage
Accidental Death
₹1.0 Cr
Permanent Disability
₹1.0 Cr
Lost Card Liability
₹5.0 L
Report within 24h
- • Air accident cover: ₹1 Crore
- • Lost card liability: ₹5 Lakh
- • Report loss within 24 hours for coverage
Airport Lounge Access
Domestic
8 visits/year
Per quarter
~₹2,500/visit
International
0 visits/year
Not available
Dreamfolks
- • 8 complimentary domestic lounge visits per quarter
- • Swipe card at lounge for access
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security International acceptance Add-on cards available EMI conversion facility Visa Signature privileges Domestic lounge access
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Axis SELECT Credit Card is a Visa Signature tier card offering 20 EDGE Reward points per ₹200 on spends up to ₹20,000 per month and 10 EDGE points...
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