Axis Bank Select Credit Card

Annual fee

₹3,000 a year.₹3000 (NIL for Burgundy)

Joining fee

₹3,000 to join.₹3000 (NIL for Burgundy)

Fee waiver rule

Complete annual fee waiver on spending of ₹8 lakhs in a card anniversary year

Add-on card fee

₹0Nil

Welcome benefit

Get 10,000 EDGE REWARD Points worth ₹2000 on your first card transaction (Not applicable for life time free credit card / burgundy account holders) · First transaction to be done within 30 days of card issuance

Reward rate

10 Axis EDGE points per ₹200 · everyday spendsEarn 10 Axis EDGE points on every ₹200 spent.

EMI spend earning

EDGE REWARD Points will be debited for credit card transactions which are converted to EMI.

Fuel earning

No reward points are earned on fuel transactions.

Government spend earning

Spends done on government services will not be eligible for earning EDGE REWARD points.

Groceries earning

Earn 2X per ₹200 on ‘Retail Shopping’ spends · Retail shopping will include spends across: Dept Stores, Grocery Stores, Clothing and Accessory Stores

Insurance spend earning

Spends done on Insurance will not be eligible for earning EDGE REWARD points.

Rent earning

Spends done on rent will not be eligible for earning EDGE REWARD points.

Utilities earning

Spends done on utilities & telecom will not be eligible for earning EDGE REWARD points.

Wallet load earning

Spends done on wallet will not be eligible for earning EDGE REWARD points.

Reward exclusions

Spends done on Insurance, rent, fuel, eduactional services, utilities & telecom, wallet, Gold/Jewellwey, government services, Gift card, Bridge Fees, Road Fees & Tolls will not be eligible for earning EDGE REWARD points.

Catalogue redemption

For options to redeem points, refer to Axis EDGE REWARDS catalogue.

International lounge access

Get up to 12 complimentary international airport lounge access through Priority Pass membership

Domestic lounge access

Enjoy 2 complimentary domestic lounge visits per quarter on spending ₹50,000 in the last 3 months.

Priority Pass

Priority Pass membership renewal on annual spend of ₹3 lakh.

Dining programme

Flat ₹200 off on Swiggy mobile app/website · Valid twice a month on minimum transaction of ₹1000 per order

Golf

Enjoy 6 complimentary Golf rounds per year.

Milestone benefits

5000 EDGE REWARDS points on spending ₹3 lakhs in a card anniversary year

Movie or entertainment ticket benefit

Enjoy 100% discount on your second movie ticket booked via District app using your Select credit card · Get up to ₹250 off, twice per month

Retention or continued-access criteria

Priority Pass will renew automatically upon meeting ₹3 Lakhs Spends in preceding card anniversary year

Fuel surcharge waiver

Get a 1% fuel surcharge refund on fuel purchases at all fuel stations across India.

Purchase protection

Purchase protection of up to ₹1 lakh

Travel insurance

Cumulative cover upto $500 for the following: Loss of travel documents · Delay of Check-in baggage · Loss of check-in baggage cover

Forex markup

3.5% on foreign currency transactions.3.50% of the transaction value

Dynamic currency conversion markup

DCC markup fee of 3.5% plus taxes on each International transaction performed in Indian currency at International location

Cash advance fee

2.5% (Min. ₹500) of cash Amount.

Interest on unpaid balance

3.75% per month (55.55% per annum)

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

Nil if Total Payment Due is up to ₹500; ₹500 if total payment due is between ₹501 - ₹5,000; ₹750 if total payment due is between ₹5,001 - ₹10,000; ₹1200 if total payment due is between ₹10,001 – ₹50,000; ₹1300 if total payment due is greater than ₹50,000

Over-limit fee

Over limit-fee of 2.5% of the over-limit amount (subject to a minimum of ₹500)

Payment return or dishonour fee

2% of the payment amount, Min. ₹500.

Statement or duplicate statement fee

Duplicate Statement Fee Waived

Card replacement fee

Replacement fee: Waived

Cash payment / cash deposit fee

Fee for Cash Payment at branches ₹175.

Cheque payment / dishonour fee

2% of the payment amount subject to Min. ₹500

Education / school fee charge

1% fee on education payments made via third party apps.

Fee on online skill-based gaming spends

1% fee on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement cycle.

Reward redemption fee

₹99

Wallet load charge

1% fee on cumulative spends of ₹10,000 or more on wallet loads per statement cycle.

What the card's fee or benefit year means

Anniversary Year is the period of 12 months from the date of issuance of the card and every 12-month period thereafter

Fuel transaction fee

1% fee on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle.

Rent transaction fee

Rent surcharge fee of 1% on each rental transaction done on Axis Bank credit card.

Utility transaction fee

1% fee on cumulative spends of ₹25,000 or more on utilities per statement cycle.

GST note

GST, as notified by the Government of India, is applicable on all fees, interest & other charges, and is subject to change as per relevant regulations of the Government of India

Grace days after the due date

Grace period of 3 days from the payment due date, where payments are not overdue; the customer must clear dues by the payment due date mentioned in the credit card Statement.

Minimum amount due

MAD is subject to a minimum of ₹100; if the Total Amount Due (TAD) is less than ₹100, the MAD would be equal to TAD

Income requirement

Net income should be a minimum of ₹6 lakhs per annum

Minimum age

Between 18 and 70 years of age to apply as the primary cardholder.