Looking for a premium credit card with the best features? Probably, you have searched a lot about it and find it difficult to choose the best one. Often you have noticed that some banks are not offering the facilities you want. Some of them are not providing the best services also. Here, we should light up on the Axis bank select credit card review. Let’s take a dig at it.
- A huge chance of availing rewards in almost every field. Welcome offer, Online shopping offer, and much more!
- ‘Dining delights’ program and the eDGE reward facility is a unique feature. Go to any partner restaurant of Axis bank and avail yourself of up to 20% off on your favourite dishes by using this credit card.
- Accidental coverage is awesome – the amount of coverage is much more than any other bank.
- Enjoy Golf rounds/lessons, airport concierge service on weekend days. [discussed later]
- Concierge service is available 24×7 hours.
- Enjoy 6 airport lounge access per year and 2 domestic lounge access per month.
I know you are eager to know about the rewards. Well, let me show a very detailed picture.
Why Is This Credit Card Better Than Other Credit Cards?
There are also other same-level credit cards like HSBC regalia credit card, SBI MAX prime credit card, HSBC VISA platinum, and others. The basic system like service, accidental coverage is almost the same for all of them. But none of them are offering the best premium features provided by Axis bank select easy credit card. Let’s differentiate them.
Who Should Opt For Card?
The net income constraint in the eligibility criteria makes it clear that this card is for the ‘fancy’ users. [Eligibility criteria are discussed later in the article] People who love to travel and shop – the card suits them. Saving is not at all important to them. Rather they love to spend money to enjoy their life. A luxurious lifestyle is their motto. Daily usage patterns are completely different from other people. They should be the main users of this card. Rewards attract them much, and they don’t hesitate to follow the transaction or any other goals to avail the rewards. Of course, not all rich people need to apply for this card!
The credit card is exclusively for premium users. If you are one of those persons having a net income very good, you may apply for this card. In fact, you have to be that. Otherwise, you will be struck at the constraint of eligibility criteria. There is no question of common people applying for this card.
Features And Benefits
A vast collection of the benefits of Axis Bank select credit card is listed below:
i. Rewards On Almost Everything
If you are a bit over all the terms and conditions for availing the offers, you will be benefited a lot. You have to plan a little and do the homework before any action! There are many options to get the rewards: restaurants, fuel stations, online shopping, and much more. Look over the list of partners of the Axis Bank and try to purchase from those partners.
ii. Enjoy Golf Rounds
Interested in golf playing or watching? Here Axis Bank has made the way easier. You can enjoy 6 complimentary Golf rounds per year through this card. For this, you have to visit the official site to register for your Golf rounds or training. Not finished yet! You can get 3 extra Golf visit opportunities by spending rupees 300000 in an annum.
iii. Concierge Assistance
This is a unique feature of this credit card. If you are not an expert on flight bookings, reservations of a table, event/ shows, gift deliveries – don’t worry! You can get 24×7 hours of advice about those by dialling 1800 103 4962. Everything will be done via phone call.
iv. Make The Weekend Special
As the credit card is premium type, the benefits are also like premium. There are three types of services on privileges only on weekend days. You can enjoy golf games or training, enjoy concierge service at the airport, and luxurious pickup and drops from the airport to your location and vice versa.
v. Dining Delights Program
Like the insta credit card, it also offers discounts at the partner restaurants of Axis Bank. But the difference is you can get a 20% offer whereas on the insta credit card you can get a 15% offer. Click here to check the list of partner restaurants of Axis Bank: https://diningdelights.axisbank.com.
vi. Discount On Refueling Cost
The same benefits are also provided by the ‘insta’ credit card. You can get 1% discount on every time you refuel your engine at almost every fuel station. And this discount is valid for the cost range of Rs 400 to Rs 4000. If you do the calculation, the discount range is Rs 4 to Rs 40. The maximum discount is Rs 400 – means you get 10 chances to refuel in a month.
vii. Priority Pass Renewal Annually
If your total expenditure value is 3lakhs or above, your priority pass membership will be renewed in the year. The renewal offer is applicable to online markets like Bigbasket, Swiggy, and BookMyShow.
viii. Airport Visit
You can get a priority pass membership for 6 complimentary international visits in a year.
Not only that, you have the facility to domestic visit 2 times every 4 months in a year. The priority pass will get renewed automatically after the expiry date.
ix. Life Insurance Cover
This is another premium feature that makes it unique. Different coverage and protection are there to make safe you and your family members. Let’s see the coverages and the amounts of it:
- Up to 2.5 crores can be claimed as coverage for air accidents.
- Rs 1 lakh can be claimed as purchase protection.
- Loss of any important documents (like travel documents), delaying, or loss of baggage during check-in – these also come under the coverage of USD 500.
Fees And Charges
Being a premium card, you will see some differences in charges and fees. But this is a premium credit card; fancy people can bear it! Let us show those.
Eligibility Criteria And Documents Required
As the credit card is for the premium user, there is some mixed constraints and flexibilities to be eligible for applying for this card:
- There is a flexibility of nationality. You may be an Indian or not; no restrictions to apply.
- You have to be between 18 years to 70 years old if you are a primary cardholder and above 18 years if you are an add-on cardholder.
- Your total income should be rupees 900000 and above per annum.
In certain situations, you may have to show more documents than the bank requires. Proper documents are important in this case. Let me show you a detailed picture.
- A photocopy of PAN card or form 60.
- Income proof document is required. You can choose between the latest payslip, form 16, and IT return copy as proof.
- Residence or address proof is also required. You can choose between passport, driving license, ration card, electricity bill, or landline telephone bill as proof.
How To Apply For The Credit Card?
The application is pretty simple. Follow the steps given below:
i. Go to the official site of axis bank (https://clctab.axisbank.co.in). You will find some questions are asking for details. Fill very carefully.
ii. On the second step, you have to fill in some other fields – mobile number, PAN number, pin code, Net annual income, and so on. Keep all the documents ready in your hand to avoid an error.
iii. Fill the forms very carefully. And also, read all the disclaimer terms and conditions before applying.
It is a very simple process. Fill in the form and enter the next form by clicking on the “next” button. Remember- forms will be rejected in case of any false information.
And of course, the offline method-means physical appearance also exists for applying!
i. Ask the bank for the application form. Again fill the necessary fields with correct information. Keep the documents with you (The required documents are discussed below). It will be submitted as well as helpful for filling the form.
If you are still confused, contact the toll-free number 1860 419 5555 or 1860 500 5555 to reach the credit card enquiry department.
Frequently Asked Questions
1. What is the grace period of the Axis Bank select credit card?
Generally, it ranges between 20 to 50 days – depends on the bank.
2. Can the credit limit be increased at any time?
Yes, but the way is a bit tricky. You have to show the reason for increasing the credit limit. They will check whether your income has increased or not. If they are satisfied, the credit limit will be increased.
3. Which is best – select credit card or insta credit card?
See, credit cards are introduced for different kinds of people. In one shot, you can not decide which is the best. The ‘Select’ credit card is the premium, while the ‘insta’ is for normal people.
4. Can I waive the annual fee?
Of course, you can. But you have to meet some transaction goals. We have discussed it above.
As I mentioned above, there are the same level competitors – HDFC Regalia, SBI max prime, and HSBC VISA platinum which offer premium features. All these cards are offering their best features. They are different from the fields of offer- people should choose credit cards according to their wishes. Let’s have a quick look over them.
After the long review, I hope you understood all the merits and demerits of this card. But the question comes to mind whether a ‘fancy’ person should apply for this card or not? My suggestion is, of course! Here I am talking to only those ‘fancy’ persons. See, you want a credit card for all-in-one purposes. You want a premium card that offers premium features. But the Axis Bank select credit card offers more benefits like golf rounds, more insurance coverage than others. Being a premium card, it enables many luxurious features for you. You need not be an Indian. Those who are residents outside India may find it beneficial. Considering all the aspects, my vote will always go for Axis Bank’s select credit card.