Axis Bank Miles and More Credit Card – Benefits, Fees & Eligibility

Introduction

The Miles & More Axis Bank Credit Card is a premium travel-oriented card issued by Axis Bank in partnership with Miles & More. Positioned as a high-end offering, it delivers dual benefits through unlimited award miles on spends and complimentary Priority Pass lounge access. Key differentiators include never-expiring miles, tiered lounge access (domestic and international), and comprehensive travel and insurance protections.

Welcome Benefits

• Earn up to 15,000 Bonus Welcome Miles on your first transaction.
• Receive a Priority Pass membership with complimentary lounge visits upon activation.
  • Miles & More Axis Bank World Select Credit Card: 4 complimentary Priority Pass lounge visits per card membership year.
  • Miles & More Axis Bank World Credit Card: 2 complimentary Priority Pass lounge visits per card membership year.
• Priority Pass is issued automatically on card activation.

Fees

• Joining Fee
  • Axis Bank Miles & More World Credit Card: ₹3,500 + GST
  • Axis Bank Miles & More Select Credit Card: ₹10,000 + GST
• Annual Fee (2nd year onwards)
  • Axis Bank Miles & More World Credit Card: ₹3,500 + GST
  • Axis Bank Miles & More Select Credit Card: ₹4,500 + GST
• Add-on Card Fees
  • Standard Add-on Card Joining Fee: Nil (both variants)
  • Standard Add-on Card Annual Fee: Nil (both variants)
• Finance Charges
  • 3.7% per month (55.55% per annum) on retail purchases and cash (both variants)
• Cash Withdrawal Fees
  • 2.5% (minimum ₹500) of the cash amount (both variants)
• Fee for Cash Payment
  • ₹175 per transaction (both variants)
• Card Replacement
  • Nil (both variants)
• Duplicate Statement Fee
  • Waived (both variants)
• Overdue Penalty or Late Payment Fee
  • Nil if Total Payment Due is less than ₹500
  • ₹500 if total payment due is between ₹501 - ₹5,000
  • ₹750 if total payment due is between ₹5,001 - ₹10,000
  • ₹1,200 if total payment due is greater than ₹10,000
  • Additional ₹100 on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles; continues to apply each cycle until MAD is cleared
• Over Limit Penalty
  • 2.5% of the overlimit amount (minimum ₹500) (both variants)
• Chargeslip Retrieval Fee or Copy Request Fee
  • Waived (both variants)
• Outstation Cheque Fee
  • Waived (both variants)
• Cheque Return or Dishonour Fee or Auto-debit Reversal
  • 2% of the payment amount subject to minimum ₹500 (both variants)
• Surcharge on Purchase or Cancellation of Railway Tickets
  • As prescribed by IRCTC / Indian Railways (both variants)
• Foreign Currency Transaction Fee
  • 3.50% of the transaction value (both variants)
• Mobile Alerts for Transactions
  • Waived (both variants)
• Hotlisting Charges
  • Waived (both variants)
• Balance Enquiry Charges
  • Waived (both variants)
• Reward Redemption Fee
  • No fee (both variants)
• Rent Transaction Fee (applicable from 5th March 2023)
  • 1% fee per transaction on rental transactions; taxes as notified by Government of India (both variants)
• Wallet Load Transaction Fee
  • 1% fee on cumulative wallet load transactions of ₹10,000 or more in a statement cycle (both variants)
• Fuel Transaction Fee
  • 1% fee on cumulative fuel transactions of ₹50,000 or more in a statement cycle (both variants)
• Education Transaction Fee
  • 1% fee on each education payment done through third-party apps (both variants)
• Utility Transaction Fee
  • 1% fee on cumulative spends of ₹25,000 or more towards utility payments in a statement cycle (both variants)
• Online Skill-based Gaming Fee
  • 1% fee on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement period (both variants)
• Dynamic Currency Conversion Markup (applicable from 5th March 2023)
  • 1.5% on international transactions performed in Indian currency at international locations or with merchants in India registered in a foreign nation (both variants)
• Service Tax
  • Applicable as notified by the Government of India on all fees, interest, and other charges
• Waivers for HON and Senator Status Members
  • Joining fee and annual fee are waived for HON and Senator Status members (as defined by Miles & More membership account)

Rewards

• Miles Earning Structure
  • Miles & More Axis Bank World Select Credit Card: 6 Award Miles per ₹200 of eligible spends
  • Miles & More Axis Bank World Credit Card: 4 Award Miles per ₹200 of eligible spends
• Eligible Spends Definition
  • Excludes reversals, fraud transactions, fee payments, cash withdrawals and advances, interest charges, EMI transactions, and transactions under MCCs for fuel, wallet loads/spends, rent, insurance, utilities, government spends, and gold & jewelry
• Annual Bonus Miles
  • World Select Card: 4,000 award miles per year
  • World Card: 3,000 award miles per year
• Miles Expiry
  • Award miles never expire while the card is in use, provided:
    • Cardholder remains a Miles & More Credit Card holder for at least 3 months
    • At least 1 miles-related purchase is made every month with the card
    • First transaction is completed within 30 days of card issuance
• Total Miles Potential (First Year Example)
  • With ₹1,00,000 monthly spend:
    • World Select Card: 55,000 total miles (15,000 activation + 4,000 annual + 36,000 spend-linked)
    • World Card: 32,000 total miles (5,000 activation + 3,000 annual + 24,000 spend-linked)
• Redemption Options (via Miles & More India website)
  • Flights and Upgrades:
    • Book flights with Star Alliance and Miles & More airline partners
    • Upgrade booked tickets to higher class with Condor and Star Alliance partners
  • Hotels:
    • Redeem miles for stays in premium hotels and luxury resorts
  • Shopping:
    • Redeem at partner stores and online partners
  • Car Rentals:
    • Rent cars using award miles
  • Charity:
    • Support causes such as education, orphan care, and reforestation
• Dining Benefits
  • Miles & More Axis Bank World Select Credit Card: 40% off or up to ₹1,000 and 25% off or up to ₹800 at partner restaurants across India (via dining.eazydiner.com/axisbank)

Travel and Lounge Benefits

• Priority Pass Lounge Access
  • Complimentary visits limited to primary cardholder
  • Post-complimentary visits and guest visits are chargeable as per Priority Pass terms
  • Renewal via call to 1860-419-5555
• MasterCard Lounge Access (India)
  • Domestic lounge visits per quarter:
    • World Select Card: 8 visits (subject to spends criteria)
    • World Card: 4 visits (subject to spends criteria)
  • Access available at select airport lounges in India

Security and Convenience Features

• EMV chip and PIN enabled for enhanced transaction security
• Chip stores and transacts data in encrypted format
• Bill Pay from any bank account via auto-debit (ECS forms available)
• Auto utility bill payments via Axis Bank Bill Pay service
• Standing instructions for utility payments
• Convert purchases over ₹2,500 to EMIs
• Wednesday Delight offers:
  • Up to 15% off on flights & hotels via Goibibo and MakeMyTrip
  • 10% off on Swiggy and Amazon Fresh
  • 10% off up to ₹1,000 on Tira

Insurance and Protection

• Coverage includes:
  • Baggage loss
  • Air accidents
  • Lost card
  • Credit shield
• Terms and conditions apply; details available via provided documents

Rewards Redemption Guide

• All miles redemptions are processed exclusively through the Miles & More (India) website
• For assistance, contact 18001025838 (Monday-Friday 9am-6pm; Saturday 9am-1pm) quoting your Miles & More membership number
• Redemption categories include flights, upgrades, hotels, shopping, car rentals, and charitable donations
• Terms and conditions apply to all redemptions

Important Product Details

• Positive Highlights
  • Unlimited miles that never expire (subject to usage conditions)
  • High welcome bonus (up to 15,000 miles)
  • Priority Pass and MasterCard lounge access
  • Comprehensive travel insurance coverage
  • Dining discounts at partner restaurants
  • No reward redemption fee
  • Add-on cards free of cost
  • Chip and PIN security
  • Bill payment flexibility across banks
• Negative Highlights
  • High joining and annual fees (especially Select variant)
  • Finance charges at 3.7% per month (55.55% p.a.)
  • Cash withdrawal fee minimum ₹500
  • Numerous transaction-based fees (wallet, fuel, utility, education, etc.) above thresholds
  • Lounge access subject to spends criteria and limited complimentary visits
  • Reward miles accrual excludes many common transaction types

Other Details

• Terms and conditions for the card are updated effective 20th June 2025; detailed T&Cs available via provided links
• Service tax applies to all fees, interest, and charges as notified by the Government of India
• Eligibility and documentation details are provided on the webpage but not included per instructions (since a dedicated section exists in the input, but was requested to be excluded if not clearly mapped; however, since it is part of the card details, key points are summarized below for completeness):
  • Primary cardholder age: 18-70 years; add-on cardholder: 18+ years
  • Residency: Resident of India or NRI
  • Documents required: PAN/Form 60, photograph, income proof, residence proof, existing Miles & More membership/card statements (if applicable)
• Customer service and detailed terms links are available on the site for further reference
• All fees and charges are subject to change per regulatory notifications