Axis Bank SELECT Credit Card
Joining Fee: ₹3,000 + GST
Renewal Fee: ₹3,000 + GST
Reward Type: Reward Points
Rewards Program
Retail Spends: 20 EDGE Reward Points (EDGE RP) per ₹200 spent (~2% value).
Other Spends: 10 EDGE RP per ₹200 spent (~1% value).
Non-Earning Categories: No rewards on fuel, wallet reloads, rent, insurance, education, gold/jewelry, government services, or utilities.
Milestone Rewards
Spending Milestone: 5,000 EDGE RP for spending ₹3 lakhs in a year (~0.3% return). Excludes non-eligible categories such as fuel, wallet, rent, education, government services, utilities, gold/jewelry, and insurance.
Other Benefits
BigBasket: ₹500 discount on a minimum purchase of ₹3,000. Valid once per month.
Swiggy: ₹200 discount on a minimum purchase of ₹1,000. Valid twice per month.
Fuel Surcharge Waiver: 1% waiver on transactions between ₹400 and ₹4,000. Maximum waiver of ₹400 per statement cycle.
Golf Rounds: 6 complimentary rounds per financial year (April to March).
Airport Lounge Access
Domestic Lounges: 8 complimentary visits per year. Limited to cities: Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, and Pune. Requires a minimum spend of ₹50,000 over the last 3 calendar months.
International Lounges: 6 visits per year. Complimentary Priority Pass renewed annually for spending over ₹3 lakhs in the previous membership year.
Dining Benefits
EazyDiner Offer: 20% off up to ₹500 at EazyDiner partner restaurants. Valid once per card per month.
Forex Fee
Foreign Currency Markup: 3.5% + GST
Summary
The Axis Bank Premium Credit Card offers 20 EDGE Reward Points per ₹200 on retail spends (~2% value) and 10 EDGE Reward Points per ₹200 on other spends (~1% value). No rewards on fuel, wallet reloads, or several other categories. Earn 5,000 EDGE Reward Points for spending ₹3 lakhs annually (~0.3% return). Enjoy ₹500 off BigBasket purchases of ₹3,000, ₹200 off Swiggy orders of ₹1,000, and a 1% fuel surcharge waiver (up to ₹400 per cycle). Benefit from 6 complimentary golf rounds, 8 domestic lounge visits, and 6 international lounge visits with a Priority Pass (for spending over ₹3 lakhs). Dining offers include 20% off (up to ₹500) at EazyDiner restaurants once a month. Foreign currency markup is 3.5% + GST