Axis Bank
World · Miles & More
Axis Bank Miles & More Credit Card
Axis Bank
Earn Lufthansa Miles & More award miles on every spend
Annual Fee
₹3,500
Joining Fee
₹3,500
Reward Rate
1.2%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹5,870
Total Annual Benefits
₹10,000
Total Annual Charges
₹4,130
ROI
142%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Travel Benefits (1)
Miles & More Award Miles
Earn 4 award miles per ₹200 spent on all transactions
- • Credited to Miles & More account monthly
4 miles/₹200
Airport Lounge Access (1)
Domestic Lounge Access
4 complimentary domestic airport lounge visits per year
4 visits/year
₹10,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
Miles & More Award Miles
4 award miles per ₹200
Effective cashback: 1.20%
Points expire: 36 months from date of accrual
Redemption Options
- → Lufthansa flights
- → Star Alliance flights
- → Hotel stays via Miles & More
- → Upgrades
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹3,500 Excluding GST |
| Annual Fee | ₹3,500 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.4%
- Late Payment Fee
- ₹1,200
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹75,000
- Min. Annual Income
- ₹9,00,000
- Min. Credit Score
- 700
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹75,000
- • Self-Employed: ITR > ₹9 Lakh p.a.
- • Must have or create a Miles & More account
Insurance Coverage
Accidental Death
₹1.0 Cr
Permanent Disability
₹1.0 Cr
Travel Insurance
₹50.0 L
Lost Card Liability
₹10.0 L
Report within 24h
Air Accident Cover
₹1.0 Cr
- • Air accident cover: ₹1 Crore
- • Travel insurance: ₹50 Lakh
- • Credit liability cover: ₹10 Lakh
Airport Lounge Access
Domestic
2 visits/year
1 per quarter
~₹2,500/visit
International
0 visits/year
Not included
Dreamfolks
- • Domestic: 1 visit per quarter
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility Miles & More membership Star Alliance benefits Domestic lounge access
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Axis Miles & More Credit Card is a co-branded travel card on the Visa World network, earning 4 award miles per ₹200 spent. Miles are credited dire...
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