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Features of Axis Bank Select Credit Card

  • Complimentary Lounge Access: Enjoy access to domestic and international airport lounges through participating networks like Visa or Mastercard. Access is digitally managed via the card’s magnetic strip or chip, and tied to usage patterns.
  • Dining Privilege Integration: Avail curated dining offers with automatic discounts when swiping at eligible restaurants. Offers are triggered in real time and are dynamically updated through Axis Bank’s partner network.
  • Lifestyle Partnerships: Enjoy seamless savings with pre-integrated merchant partnerships across wellness, retail, and entertainment platforms. These card-linked offers are auto-activated without needing manual registration.
  • Mobile App Compatibility: Manage card services on-the-go via the Axis Bank mobile app. Features include card lock/unlock, transaction insights, credit limit adjustments, and secure OTP-based service requests.
Axis Bank IndianOil Credit Card
    • Travel Benefits:
    • Complimentary Domestic Lounge Access: 8 visits/year (2 per quarter) at major Indian airports. Spend ₹50,000 in previous 3 months (waived for first 4 months).
    • Travel Voucher Benefits: ₹5,000 worth of travel/shopping vouchers redeemable on flights and hotels via Yatra.
    • Dining and Lifestyle Perks:
    • Dining Delights Program: Up to 20% off at 4,000+ restaurants. ₹800 off via EazyDiner. Additional 15% off (max ₹500) twice per month on ₹1,500+ orders.
    • Swiggy Discounts: 30% instant discount up to ₹150/month on orders above ₹200.
    • Fuel and Convenience Benefits:
    • Fuel Surcharge Waiver: 1% waiver on ₹400–₹4,000 transactions, max ₹400/month.
    • EMI Conversion: Purchases above ₹2,500 eligible for EMI via app/net banking at ~1.5% interest.
    • Insurance and Security Features:
    • Comprehensive Insurance Coverage:
    • Air Accident Cover: ₹2.5 crore
    • Purchase Protection: ₹1 lakh
    • Credit Shield: ₹1 lakh
    • Lost Documents: $300
    • Delayed Baggage: $300 | Lost Baggage: $500
    • EMV Chip & PIN: Reduces online/offline fraud risks.
    • Lost Card Liability Protection: Zero liability post reporting.
    • EMI Conversion Integration: Eligible transactions can be converted into EMI at point of sale or post-purchase. Custom tenure and interest setup via app/internet banking.
    • E-Statement and SMS Alerts: Monthly e-statements and real-time SMS/email alerts for transactions and bills.
    • Contactless Payment Technology: Tap-to-pay enabled up to regulatory limits. Secure RFID chip transactions.
    • Add-on Card Enablement: Issue supplementary cards with custom limits. Usage billed under the primary account.
    • Fuel Surcharge Waiver Mechanism: Auto-enabled waiver, shown in monthly billing cycle.
    • Credit Shield Facility: Optional protection on outstanding balance during unforeseen events (opt-in required).
    • Auto-Debit and Bill Pay Setup: Utility bill auto-pay and ECS/NACH for credit card settlement supported.
    • International Usability: Globally accepted. Forex toggling via app. Accepted at Visa/Mastercard merchants worldwide.
    • Custom Billing Cycle and Due Date: One-time change allowed for salary alignment. Notifications via app and email.
    • Virtual Card Compatibility: Tokenize for Google Pay, Samsung Pay, etc. CVV/expiry available via app.
    • 24x7 Concierge Access: Assistance for travel, reservations, and lifestyle support via helpline.
    • Lost Card Liability Protection: Fraud protection post-report. Immediate activation via app/helpline.
    • Online Banking Features: Full card control via app/portal: statements, EMI, rewards, limits, blocking.
    • EDGE Rewards Program: 1 point per ₹200 spent. Redeem for travel, vouchers, merchandise. Value: ₹0.20/point. Valid for 3 years.
    • Welcome Benefits and Vouchers: ₹250 Amazon voucher, ₹200 Zomato voucher, ₹250 Blinkit voucher, 6-month PharmEasy subscription. Sent within 45–60 days of first spend.
    • Additional Features:
    • BookMyShow Discount: 10% off (max ₹100/month).
    • Utility Bill Cashback: ₹300 cashback on first payment (Paytm, Amazon Pay).
    • Ongoing Utility Discount: 5% off (max ₹150/month).
    • Axis Grab Deals: Up to 5X EDGE Points on Amazon, Flipkart, Myntra.
    • No Points on: Fuel, insurance, utilities, government, education, wallet loads, gold/jewelry.
    • Priority Customers: Lifetime free option and special bonuses (6,250 EDGE Points).
    • RuPay UPI Variant: Link with UPI apps for seamless payments.
    • Low Joining/Annual Fee: ₹250 + GST, waived on ₹2,500 spend in 45 days. Often offered free via partners.
    • Auto Renewal: Auto card renewal with updated validity for uninterrupted use.
    • Custom Card Controls: Enable/disable contactless, online, international usage and set transaction limits.
Axis IndianOil Credit Card Benefits

Benefits of the Axis Bank Select Credit Card Credit Card

  • Online Shopping Discounts
    Save on Zomato Food Delivery — One of the standout benefits of the Axis Bank Neo Credit Card is the 40% discount on Zomato food delivery orders, capped at ₹120 per order. This offer is valid twice a month for orders with a minimum value of ₹200. By applying the coupon code AXISNEO at checkout, cardholders can significantly reduce their food delivery expenses. For regular Zomato users, this translates to substantial savings, making it ideal for those who frequently order meals or snacks online.
  • Discounts on Blinkit
    The card offers a 10% discount on Blinkit, up to ₹250, on a minimum spend of ₹750. This offer, available once per month, is perfect for quick grocery shopping or last-minute essentials. Whether you’re stocking up on household items or grabbing a quick snack, the Blinkit discount ensures you save on convenience-driven purchases.
  • Myntra Shopping Benefits
    Fashion enthusiasts can enjoy ₹150 off on Myntra purchases with a minimum spend of ₹999 on selected styles. This discount, available once per month, makes the Axis Bank Neo Credit Card a great companion for updating your wardrobe. From casual wear to festive outfits, cardholders can shop smarter on one of India’s leading fashion platforms.
    • Paytm Utility Bill Payments: The card provides a 5% discount, up to ₹150 per month, on mobile recharges, broadband payments, and DTH recharges through Paytm.
    • Entertainment and Movie Offers:
    • BookMyShow Movie Ticket Discounts: 10% discount on movie ticket bookings through BookMyShow, max ₹100 per month.
    • Welcome Vouchers for Entertainment: Gift vouchers like ₹200 for BookMyShow to enhance entertainment value.
    • Dining Delights: Up to 15% off (₹500/month cap) at partner restaurants via Dining Delights program. Zomato benefits include 40% delivery discount and dining offers at select restaurants.
    • Reward Points Program: Earn 1 EDGE Reward Point per ₹200 spent. Points valid for 3 years and redeemable for vouchers, electronics, travel, etc., via the Axis Bank EDGE Rewards Portal.
    • Financial Flexibility and Convenience: Convert purchases above ₹2,500 into EMIs from 6 to 24 months via mobile app or net banking. Interest starts at 1.5% per month.
    • 1% Fuel Surcharge Waiver: Applicable on transactions between ₹400 and ₹4,000 at authorized fuel stations, capped at ₹400/month. No reward points on fuel spends.
    • Zero Lost Card Liability: Protection against fraudulent transactions from the moment the loss is reported.
    • Enhanced Security Features: EMV Chip & PIN for secure online and offline transactions.
    • RuPay Variant for UPI Payments: Link the card to UPI apps for easy mobile payments.
    • Welcome and Activation Benefits: Amazon gift vouchers worth ₹250, Zomato Pro subscription (3 months), PharmEasy subscription (3-6 months), and lifetime free option available through select channels.
    • Accessibility and Ease of Use: Simple online/offline application with flexible eligibility. Documents required include identity proof, income proof, and address proof.
    • 24/7 Customer Support: Dedicated helplines for queries on rewards, EMI, activation, and more.
    • Why Choose the Axis Bank Neo Credit Card? Ideal for millennials and first-time users seeking instant discounts, low fees, and versatile benefits across shopping, dining, and entertainment without premium card complexities.
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How to Apply Process for Axis Bank Neo Credit Card

  • 1. Online Application
    • Visit the official Axis Bank website (www.axisbank.com).
    • Navigate to Credit Cards > Neo Credit Card and click “Apply Now.”
    • Enter your mobile number, PAN, DOB, and verify via OTP.
    • Fill in personal, financial, and employment details.
    • Upload required documents like PAN card, address proof, and income proof.
    • Complete the Video KYC (VKYC) with original documents handy.
  • 2. Offline Application
    • Visit the nearest Axis Bank branch.
    • Request and fill out the credit card application form.
    • Attach self-attested copies of identity, income, and address proofs.
    • Submit the completed form and documents to the branch representative.
    • Bank may conduct telephonic or physical verification.
  • 3. Partner Platforms
    • Apply through trusted third-party sites like Paisabazaar or BankBazaar.
    • Complete eligibility check, form filling, document upload, and VKYC.
    • Some platforms offer lifetime-free card variants—verify before applying.
  • 4. Eligibility Check
    • Age: 18–70 years for the primary cardholder; 18+ for add-on users.
    • Stable income from salary or self-employment is required.
    • Recommended credit score: 750+ (flexible on a case-by-case basis).
    • Indian residents and NRIs are eligible (NRIs need valid KYC).
  • 5. Required Documents
    • PAN Card (mandatory), Aadhaar/Passport/Driving License (ID proof).
    • Salary slips or ITR/Form 16 for income proof.
    • Address proof: Aadhaar/utility bill/ration card.
    • Recent passport-size photos and filled application form (offline).
  • 6. Approval and Processing
    • Axis Bank verifies your credit history, income, and KYC documents.
    • Application status shared via SMS/email within 2–3 weeks.
    • Use the Axis Bank website or app to track your application status.
  • 7. Tips for Easy Approval
    • Maintain a good credit score (750+ preferred).
    • Provide consistent and correct information in the form.
    • Avoid applying for multiple loans/cards simultaneously.
    • Highlight existing Axis Bank relationships like savings accounts or FDs.
  • 8. Post-Approval Steps
    • Card is dispatched within 7–10 working days to your registered address.
    • Track delivery via SMS or through Axis customer care.
  • 9. Card Activation and PIN Generation
    • Activate using the Axis Mobile App, Net Banking, or ATM.
    • Generate PIN through mobile app, ATM, or SMS services.

Eligibility Criteria for Axis Bank Select Credit Card

  • 1. Age Requirements
    • Primary Cardholder Age
      • Must be between 18 and 70 years of age.
      • Ensures legal capability to enter financial agreements and reasonable timeframe to manage credit responsibilities.
    • Add-On Cardholder Age
      • Minimum 18 years old.
      • Ensures supplementary cardholders are legally accountable for transactions.
  • 2. Income Criteria
    • Minimum Annual Income: ₹9,00,000 for salaried or self-employed individuals.
    • Stable Income Source: Consistent and stable income required.
    • Salaried: Employment with reputed organization; payslips and Form 16 usually required.
    • Self-Employed: Income Tax Returns (ITR) or audited financials demonstrating business stability.
  • 3. Residential Status
    • Indian Residents: Must provide valid proof like Aadhaar, Passport, or Utility Bill.
    • NRIs: Eligible with additional documents like valid passport, overseas address proof, and income proof; case-by-case evaluation.
  • 4. Credit History and Score
    • Good Credit History: Timely repayments improve eligibility.
    • Minimum Credit Score: Typically above 700 preferred.
    • No Credit History: May face challenges; secured cards may be alternative.
    • Debt-to-Income Ratio: Lower DTI preferred for better approval chances.
  • 5. Employment Status
    • Salaried: Stable job with recognized organization; payslips, Form 16, bank statements required.
    • Self-Employed: Professionals/business owners with minimum ₹9,00,000 annual income; ITRs or audited financial statements needed.
  • 6. Documentation Requirements
    • Identity Proof: PAN card (mandatory), Aadhaar card, Passport, Driver’s License.
    • Address Proof: Aadhaar, Passport, Utility bills (electricity/telephone/gas, within 3 months), Ration card, Rental agreement.
    • Income Proof: Payslips, Form 16, ITR for 2 years, bank statements, audited financials.
    • Photograph: Recent passport-sized color photo.
  • 7. Additional Factors
    • Existing Banking Relationship: Axis Bank customers may have an advantage.
    • Card-Specific Criteria: Bank may consider spending patterns and lifestyle.
    • Application Approval: Subject to bank’s internal policies and verification.
  • 8. Tips to Enhance Eligibility
    • Maintain high credit score by paying bills on time.
    • Reduce existing debt to lower debt-to-income ratio.
    • Ensure all documents are accurate and complete.
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Documents Required for Axis Bank Select Credit Card

  • Identity Proof:
    • Aadhaar Card (linked to mobile number for verification).
    • PAN Card (mandatory) or Form 60 if PAN is unavailable.
    • Passport (valid Indian passport).
    • Driving License with photo.
    • Voter ID Card.
  • Address Proof:
    • Aadhaar Card (if not used as identity proof, address must match).
    • Passport with current address.
    • Driving License with current address.
    • Recent utility bills (electricity, telephone, gas) not older than 3 months.
    • Bank statement (last 2 months).
    • Ration Card or Voter ID Card.
  • Income Proof:
    • Latest payslips (not older than 3 months).
    • Form 16 for the latest financial year.
    • Income Tax Return (ITR) of the last financial year.
    • Bank statement showing salary credits (last 3 months).
  • Age Proof:
    • 10th standard school certificate with DOB.
    • Government-issued birth certificate.
    • Passport, Voter ID Card, Aadhaar Card.
  • Additional Requirements:
    • Recent passport-sized color photograph.
    • Form 60 if PAN card unavailable.
  • Identity Proof:
    • Valid Passport.
    • PAN card or Form 60.
    • Visa (work/residence/other).
  • Address Proof:
    • Overseas address proof (utility bill, bank statement, rental agreement, not older than 3 months).
    • Indian address proof if maintained (Passport, Aadhaar, utility bill).
  • Income Proof:
    • Foreign bank statements (last 6 months).
    • Salary slips (last 3 months).
    • ITR filed in India or country of residence.
    • NRE/NRO account statements (last 3 months).
    • Age Proof: Passport or government-issued birth certificate.

    • Factors to Consider for the Axis Bank Select Credit Card

    • Age and Residency Requirements: Applicants must be between 18 and 70 years old. Both Indian residents and NRIs are eligible. Add-on cardholders must be over 18.
    • Income Threshold: Minimum annual income of ₹6,00,000 (₹6 LPA) for salaried or self-employed individuals; may be up to ₹9,00,000 depending on bank discretion. Income is verified through salary slips, ITR, or Form 16.
    • Credit Score and History: Good credit score (750+) improves approval chances; scores between 650-750 may be considered. First-time applicants may get lower credit limits initially.
    • Joining and Annual Fees: ₹3,000 + GST joining fee and annual fee. Fees waived for Burgundy customers or by spending ₹8,00,000 annually.
    • Interest Rates and Other Charges: 3.6% per month (52.86% p.a.) finance charge on outstanding balances. Cash withdrawal fee: 2.5% (min ₹500). DCC markup fee: 1.5% on international transactions. 1% rent surcharge (capped at ₹1,500).
    • Fee Waivers and Benefits: Joining benefit of 10,000 EDGE points (₹2,000 value). Annual fee waiver on high spends.
    • Earning EDGE Reward Points: 10 points per ₹200 spent, 20 points per ₹200 on retail shopping (groceries, apparel, departmental stores). Bonus 5,000 points annually on ₹3,00,000 spend.
    • Redemption Value: 1 point = ₹0.20 for vouchers/merchandise. Transfer ratios vary for airline/hotel programs, generally 5:1 or 10:1.
    • Milestone Benefits: 10,000 points welcome bonus, 5,000 points for ₹3,00,000 annual spend. Some spending categories excluded.
    • Airport Lounge Access: Complimentary Priority Pass membership with 12 international lounge visits yearly (6 included, plus 6 more on ₹3,00,000 spend). 8 domestic lounge visits annually subject to ₹50,000 quarterly spend.
    • Dining and Shopping Discounts: ₹500 off BigBasket (min ₹3,000 purchase, once/month), ₹200 off Swiggy (min ₹1,000, twice/month), up to ₹800 off at partner restaurants via Dining Delights, and buy-one-get-one BookMyShow offers.
    • Golf and Other Privileges: 6 complimentary golf rounds yearly, 3 more on ₹3,00,000 spend. Purchase protection up to ₹1,00,000. Complimentary Club Marriott membership on completing 3 transactions within 60 days.
    • Application Process: Online via Axis Bank website or Bajaj Markets, or offline at branches. Requires personal, identity, address, and income proofs.
    • Credit Limit and Management: Based on income, credit score, and history; starts above ₹2,00,000 typically. Supports contactless payments, utility bill payments, and EMI options. Cash advance limit capped at 40%.
    • Customer Support and Tracking: 24/7 phone banking, net banking, e-statements, and Axis Mobile app for tracking and managing card.
    • Individuals who spend heavily on retail shopping (to benefit from 2X rewards).
    • Frequent domestic and international travelers valuing lounge access.
    • Users of BigBasket, Swiggy, and BookMyShow platforms.
    • Those able to meet ₹8,00,000 annual spend for fee waivers or Burgundy customers.

    Frequently Asked Questions (FAQs)

    What are the key features of the Axis Bank Select Credit Card?
    Earn 4 EDGE Rewards per ₹100 spent (1 EDGE Reward = ₹1 for flights/hotels). 5X rewards on departmental stores, dining, and movies. Complimentary DreamFolks membership for lounge access. 1% fuel surcharge waiver (min. transaction ₹400, max. ₹500/month). Joining & annual fee waiver on spending ₹50,000 in a year.
    What is the joining/annual fee for this card?
    Joining fee: ₹500 + GST. Annual fee: ₹500 + GST (waived if you spend ₹50,000/year).
    How do I redeem EDGE Rewards?
    Redeem for flights, hotels, or e-gift vouchers via EDGE Rewards Portal. 1 EDGE Reward = ₹0.25 for cashback, ₹1 for flights/hotels.
    Does the card offer airport lounge access?
    Yes, via complimentary DreamFolks membership (4 free visits per year).
    Is there a fuel surcharge waiver?
    Yes, 1% waiver on fuel spends (min. ₹400/transaction, max. ₹500/month).
    What are the interest rates & charges?
    Interest rate: ~3.4% per month (~42% p.a.) on unpaid dues. Late payment fee: Up to ₹600.
    How can I check my credit limit?
    Via Axis Mobile App, net banking, or SMS CCLIM<last 4 digits> to 56161600.
    What are the reward exclusions?
    No rewards on wallet loads, fuel, EMI, cash advances, or utility bills.
    How to convert purchases into EMIs?
    Log in to Axis Mobile App → Select transaction → Convert to EMI.
    How to apply for the Axis Bank Select Credit Card?
    Online via Axis Bank website or offline at branches. Eligibility: Salaried (₹15,000+ monthly income) or self-employed (₹2L+ annual income).

    List of Axis Bank Select Credit Card Branches in Tamil Nadu

    • Tamil Nadu (Attur)
    • Tamil Nadu (Avinashi)
    • Tamil Nadu (Batlagundu)
    • Tamil Nadu (Bodinayakanur)
    • Tamil Nadu (Chengalpattu)
    • Tamil Nadu (Coimbatore)
    • Tamil Nadu (Cuddalore)
    • Tamil Nadu (Devakottai)
    • Tamil Nadu (Dharapuram)
    • Tamil Nadu (Dharmapuri)
    • Tamil Nadu (Dindigul)
    • Tamil Nadu (Erode)
    • Tamil Nadu (Hosur)
    • Tamil Nadu (Kallakuruchi)
    • Tamil Nadu (Kancheepuram)
    • Tamil Nadu (Karaikkudi)
    • Tamil Nadu (Karur)
    • Tamil Nadu (Krishnagiri)
    • Tamil Nadu (Kumarapalayam)
    • Tamil Nadu (Madurai)