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CREDIT CARD

Miles & More Axis Bank Credit Card

Axis Bank

Earns Miles & More award miles on eligible spends (World Select 6 per ₹200; World 4 per ₹200), with welcome miles, renewal miles, Priority Pass visits and quarterly domestic lounge visits.

Fuel, wallet, rent, utilities, insurance and government spends earn no miles. Domestic lounge visits need ₹50,000 eligible spend in the previous 3 calendar months. Miles are redeemed only via Miles & More.

Miles & More Axis Bank Credit Card
ANNUAL FEE
₹3,500 + GST
JOINING FEE
₹3,500 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
6 Award Miles per ₹200 of eligible spends on World Select (4 per ₹200 on World), credited to your Miles & More account.
BEST FOR
Included: Cardholders who want miles credited to a Miles & More account plus Priority Pass and domestic lounge visits
Included: May suit spenders who prefer award miles redeemable on flights, upgrades and hotels via Miles & More
Included: May suit those who want complimentary Priority Pass and domestic lounge visits and can meet the ₹50,000 spend condition
Included: May suit existing Miles & More members; HON and Senator status members get joining and annual fees waived
Limitation: Spends concentrated in fuel, rent, wallet, utilities, insurance may wish to compare other cards.
Limitation: Those whose main spends are fuel, rent, utilities, wallet loads or insurance may wish to compare other cards.
Limitation: Those who want domestic lounge visits without a ₹50,000 spend in the previous 3 may wish to compare other cards.
Limitation: Those who want to redeem rewards outside Miles & More may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Miles stay valid only while the card is held 3+ months and at least 1 miles-eligible purchase is made every month.
Condition: Axis notice for World Select: from 28 Aug 2026 Priority Pass is not valid at domestic lounges in India; the card is presented instead.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
18
Maximum age
70

Fees & ownership

Joining fee
₹3,500 + GST
Annual / renewal fee
₹3,500 + GST
Fee waived at
Joining and annual fee waived for Miles & More HON Circle and Senator status members
Forex markup
3.5%
Finance charge
Not stated
Cash withdrawal fee
2.5% of the amount, minimum ₹500
Late-payment charge
Not stated
Interest-free period
20–50 days

Benefits & privileges

TRAVEL
Domestic airport lounge
8 visits per quarter — World Select: 8 visits per quarter; World: 4 visits per quarter · Needs ₹50,000 eligible spend in previous 3 calendar months; waived in issue month and next 3 months · ₹50,000 eligible spend in the previous 3 calendar months
International airport lounge
4 visits per year — World Select: 4 Priority Pass visits per year; World: 2 per year · Primary cardholder only; extra visits and all guest visits charged per person per visit · ₹50,000 eligible spend in the previous 3 calendar months
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Priority Pass (international); Mastercard lounges in India (domestic)
EVERYDAY
Fuel
No fuel surcharge refund on Miles & More World Select or World (per MITC)
Dining
Dining Delights (World Select): 40% off or up to ₹1000 and 25% off or up to ₹800 at partner restaurants
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Fuel, wallet loads, rent, utilities, insurance, government spends, gold & jewellery, EMI conversions, cash advances; Fuel, wallet loads, rent, utilities & telecom, insurance, government services, gold & jewellery, gift cards, tolls, bridge/road fees
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: 6 Award Miles per ₹200 of eligible spends on World Select (4 per ₹200 on World), credited to your Miles & More account.
Included: Award miles are credited to your Miles & More account automatically every billing cycle; redemption is only through Miles & More.
Included: Lounges: Priority Pass (World Select 4, World 2 visits a year) and Mastercard-programme domestic lounges (World Select 8, World 4 visits a quarter).
Included: Annual bonus miles on renewal: 4,000 (World Select) or 3,000 (World).
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.