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

Miles & More Axis Bank Credit Card

Introduction

The Miles & More Axis Bank Credit Card is a travel-focused credit card designed for international frequent flyers, available in two variants: the World Select Credit Card and the World Credit Card. This card offers dual benefits, primarily centered around earning unlimited award miles for travel, which never expire as long as the card is in use and specific conditions are met. Cardholders also gain membership to the Miles & More Club, allowing for automatic bill payments and secure transactions with its EMV certified chip. Beyond travel, the card provides complimentary airport lounge access (both domestic and international), discounts on dining, and comprehensive insurance coverage, making it a valuable tool for those who frequently travel internationally.

Welcome Benefits

• Miles & More Axis Bank World Select Credit Card: 15,000 award miles on making the first transaction with the card.
• Miles & More Axis Bank World Credit Card: 5,000 award miles on making the first transaction with the card.
• Bonus Welcome award miles are provided on your first transaction, along with a Priority Pass membership.

Fees

• Joining Fee:
  • Miles & More Axis Bank World Select Credit Card: Rs. 10,000 + GST.
  • Miles & More Axis Bank World Credit Card: Rs. 3,000 + GST.
• Renewal Fee:
  • Miles & More Axis Bank World Select Credit Card: Rs. 4,500 + GST.
  • Miles & More Axis Bank World Credit Card: Rs. 3,500 + GST.
• Spend-Based Waiver: Not applicable.
• Rewards Redemption Fee: Nil.
• Foreign Currency Markup: 3.5% of the transaction amount.
• Interest Rates: 3.6% per month (or 52.86% annually).
• Fuel Surcharge: 1% fuel surcharge waiver on fuel purchases at all fuel stations across India, for transactions between Rs. 400 and Rs. 4,000.
• Cash Advance Charges: 2.5% of the withdrawn amount, with a minimum charge of Rs. 500.

Rewards

• Award Miles Program:
  • Earn 6 award miles per Rs. 200 spent with the Miles & More Axis Bank World Select Credit Card.
  • Earn 4 award miles per Rs. 200 spent with the Miles & More Axis Bank World Credit Card.
  • Eligible spend transactions exclude reversals, fraud transactions, fee payments, cash withdrawals and advances, interest charges, EMI transactions, and transactions identified under MCCs of fuel, wallet loads/spends, rent, insurance, utilities, government spends, and gold & jewelry.
  • Easily earn up to 55,000 miles in your first year.
  • Award miles will never expire as long as the Miles & More Axis Bank Credit Card is in use, provided:
    • You are a Miles & More Credit Card holder for at least 3 months.
    • You make at least 1 miles-related purchase every month with the Miles & More Credit Card by Axis Bank.
    • The first transaction must be done within the first 30 days of card issuance.
• Annual Renewal Benefits:
  • 4,000 award miles added to your Miles & More account every year the Miles & More Axis Bank World Select Credit Card membership is renewed.
  • 3,000 award miles added to your Miles & More account every year the Miles & More Axis Bank World Credit Card membership is renewed.
• Travel Benefits:
  • International Lounge Access (Priority Pass):
    • Miles & More Axis Bank World Select Credit Card: 4 complimentary visits per card membership year.
    • Miles & More Axis Bank World Credit Card: 2 complimentary visits per card membership year.
    • Complimentary visits are for the primary cardholder only.
    • Lounge visits post complimentary visits are subject to per person per visit charge.
    • Guest charges are applicable for all visits.
  • Domestic Lounge Access (MasterCard Lounge Access Program):
    • Miles & More Axis Bank World Select Credit Card: 8 complimentary domestic lounge visits per quarter, subject to meeting spends criteria.
    • Miles & More Axis Bank World Credit Card: 4 complimentary domestic lounge visits per quarter, subject to meeting spends criteria.
  • Rewards are award miles that can be redeemed for travel-related spending, such as flight bookings/upgrades and hotel reservations.
• Dining:
  • Minimum 15% discount on dining bills at partner restaurants with the Axis Bank Dining Delights Program.
• Insurance Benefits:
  • Personal Air Accident:
    • Miles & More Axis Bank World Select Credit Card: Rs. 4,50,00,000.
    • Miles & More Axis Bank World Credit Card: Rs. 2,50,00,000.
  • Credit Shield:
    • Miles & More Axis Bank World Select Credit Card: Rs. 5,00,000.
    • Miles & More Axis Bank World Credit Card: Rs. 1,00,000.
  • Check-in Baggage Loss: USD 500 (applicable for both variants).
  • Baggage Delay/Loss of Baggage and Personal Documents: USD 500 (applicable for both variants).
• Lifestyle:
  • Wednesday Delight:
    • Instant savings of up to 15% on flights & hotels via MakeMyTrip.
    • 10% off on orders via Swiggy.
    • 10% off up to Rs. 1000 on Tira.
• Other Features:
  • Preferred rates on Axis Bank loans with both variants of the Miles & More Credit Card.
  • Ability to convert any transaction over Rs. 2,500 into EMIs by contacting the bank.

Rewards Redemption Guide

• Miles are redeemable in numerous ways on the Miles & More (India) website.
• Redeem for:
  • Flights and Upgrades:
    • Book flights with all Star Alliance airline partners and other Miles & More airline partners (e.g., Lufthansa Airlines, United Airlines, Air Canada, Air China, Singapore Airlines).
    • Upgrade an already booked air ticket to a higher class of service with Condor and various Star Alliance partners.
  • Hotels: Spend miles on accommodation in premium hotels and luxurious resorts.
  • Shopping: Redeem miles at partner stores or choose from a wide range of online partners.
  • Car rentals: Rent cars using Miles award.
  • A good cause: With award miles, help a child go to school, ensure the care of an orphaned child, or replant forests.
• To redeem miles, contact 18001025838 from Monday to Friday (9am to 6pm) and Saturday (9am to 1pm), quoting your Miles & More membership number.
• Miles Validity: The miles earned on both variants of the Axis Bank Miles & More Credit Card never expire, provided:
  • You have been a Miles & More Credit Cardholder for at least 3 months.
  • You make at least 1 miles-related purchase every month with your Miles & More Credit Card.
• The Miles & More membership provided with the card is a base tier, with no status upgrade. An existing Miles & More membership can be linked and used with the card.

Card Eligibility Criteria

• Applicants can apply online on the official Axis Bank website or by visiting a nearest Axis Bank branch.
• Documents required:
  • Identity proof: Aadhar card, Voter card, PAN card, etc.
  • Address proof: Aadhar card, Voter card, driving license, utility bills, etc.
  • Proof of income: Salary slips for salaried applicants and audited ITR acknowledgment for self-employed applicants.

Card Review

The Miles & More Axis Bank Credit Card is highly recommended for international frequent flyers, offering significant value through its unlimited and non-expiring award miles program. These miles are versatile, redeemable across a wide network of Star Alliance airlines for flights and upgrades, as well as for hotel stays, shopping, car rentals, and even charitable donations. The card distinguishes itself with complimentary domestic and international airport lounge access via Priority Pass and MasterCard Lounge Access programs, providing comfort during travel. Additionally, it offers comprehensive insurance coverage for personal air accidents, credit shield, and baggage-related mishaps, adding a layer of security. Dining discounts and options to convert large purchases into EMIs further enhance its appeal. Given its robust travel benefits and associated perks, this card is a strong contender for those who prioritize travel rewards and seek enhanced travel experiences.

Important Product Details

• Offers unlimited and never-expiring award miles.
• Membership to the Miles & More Club included.
• High security with EMV certified chip and PIN facility.
• Provides automatic bill payment options.
• Welcome bonus of 15,000 award miles for World Select and 5,000 for World variant upon first transaction.
• Annual renewal bonuses of 4,000 award miles (World Select) and 3,000 award miles (World).
• Reward rate of 6 award miles per Rs. 200 spent (World Select) and 4 award miles per Rs. 200 spent (World).
• Complimentary Priority Pass membership with 4 (World Select) or 2 (World) international lounge visits per year.
• Complimentary domestic lounge access: 8 per quarter (World Select) and 4 per quarter (World).
• Minimum 15% discount on dining through Axis Bank Dining Delights Program.
• 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000.
• Comprehensive insurance coverage including personal air accident, credit shield, and baggage loss/delay.
• Allows conversion of transactions over Rs. 2,500 into EMIs.
• Wednesday Delight offers include savings on MakeMyTrip, Swiggy, and Tira.
• Joining Fee: Rs. 10,000 + GST for World Select; Rs. 3,000 + GST for World.
• Renewal Fee: Rs. 4,500 + GST for World Select; Rs. 3,500 + GST for World.
• Foreign currency markup is 3.5%.
• Interest rates are 3.6% per month.

Other Details

• The terms and conditions of Miles & More Axis Bank Credit Cards will be updated effective 20th June 2025.
• For Priority Pass renewal, contact 1860-419-5555.
• To set up automatic utility bill payments via Axis Bank Bill Pay service, contact customer service on 1800 209 5577 / 1800 103 5577.
• For any queries or assistance regarding the credit card, you may dial Axis Bank’s retail phone banking numbers: 1860 419 5555 or 1860 500 5555.
• To block your card, you may contact the 24x7 helpline at +91 22 67987700.
• The card is enabled with a chip and PIN facility, offering protection by storing and transacting data in an encrypted format.
• To use a CHIP and PIN card: Dip your card into a CHIP reader slot, enter your ATM PIN, and sign on the charge slip.
• Miles & More is an airline loyalty program by Lufthansa airlines, a member of the Star Alliance (which includes United Airlines, Air Canada, Air China, and Singapore Airlines).