{
  "id": "axis-select-credit-card",
  "locale": "hinglish",
  "name": "Axis Bank Select Credit Card",
  "bank": "Axis Bank",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹3,000 + GST",
  "loungeAccess": "8 Domestic & 6 International Lounges / year",
  "rewardsRate": "₹6,000 BigBasket Off · ₹4,800 Swiggy Off · ₹7,200 BOGO Movies · 6 Golf Rounds",
  "bestFor": "BigBasket groceries, Swiggy food orders, BookMyShow BOGO movies, golf & global lounges",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/axis-bank-select-credit-card",
  "aiVerdict": {
    "score": 3.9,
    "summary": "Its modest reward rate offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹3000) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "axis-select-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Axis Bank — Select Credit Card schedule of charges",
    "Axis Bank Select — BigBasket ₹500, Swiggy ₹400 and BOGO movie terms"
  ],
  "feeWaiver": "₹8,00,000 annual spend pe fee waived (Free for Burgundy/Priority)",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "BigBasket Savings",
      "value": "₹500 off / month (₹6k/yr)"
    },
    {
      "key": "Swiggy Savings",
      "value": "₹400 off / month (₹4.8k/yr)"
    },
    {
      "key": "BOGO Movies",
      "value": "Up to ₹300 off 2x/mo (₹7.2k)"
    },
    {
      "key": "Global Lounges",
      "value": "8 Domestic + 6 Intl"
    },
    {
      "key": "Golf Privilege",
      "value": "6 Rounds / year"
    },
    {
      "key": "Annual Fee",
      "value": "₹3,000 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Retail Shopping & Departmental Stores",
      "rate": "2.0% (20 EDGE / ₹200)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "10,000 EDGE Pts (₹2,000 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1.0% (10 EDGE / ₹200)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "5,000 EDGE Pts (₹1,000 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 EDGE Pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "BigBasket Groceries",
      "multiplier": "Discount",
      "rate": "₹500 Instant Off",
      "monthlyCap": "₹500 / month (₹6,000/yr)",
      "dailyCap": "—",
      "note": "Min order ₹3,000 once a month."
    },
    {
      "channel": "Swiggy Food Orders",
      "multiplier": "Discount",
      "rate": "₹200 Instant Off",
      "monthlyCap": "₹400 / month (₹4,800/yr)",
      "dailyCap": "—",
      "note": "Min order ₹1,000 twice a month."
    },
    {
      "channel": "BookMyShow BOGO Movies",
      "multiplier": "BOGO",
      "rate": "Up to ₹300 Off",
      "monthlyCap": "₹600 / month (₹7,200/yr)",
      "dailyCap": "—",
      "note": "2 free movie tickets per month."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Vouchers & Gift Cards",
      "value": "₹0.20 / pt",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Flight & Hotel Bookings",
      "value": "₹0.20 / pt",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹4,000).",
    "Wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹3,000 + GST (10,000 EDGE Points = ₹2,000 welcome gift; LTF for Burgundy)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹3,000 + GST (Waived at ₹8,00,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.6% / month (43.2% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹75,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹9.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}