Miles & More Credit Card
Axis Bank
Miles & More Credit Card
Axis Bank
Annual Fee
₹3,500
Effective Rate
0.10%
Network
MASTERCARD
Point Value
₹0.10/pt
About Miles & More Credit Card
The Miles & More Credit Card is a premium-tier travel miles credit card issued by Axis Bank on the MASTERCARD network. It carries an annual fee of ₹3,500. The card includes complimentary airport lounge access, making it well suited for frequent flyers. With zero foreign transaction charges, it is a strong companion for international travel.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge
- check_circleZero forex markup on international transactions
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹3,500 with no waiver option
Reward Earning Structure
Each point is worth ₹0.10 — an effective return of 0.10% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 6% | 600 pts≈ ₹60 |
| All other spends | 4% | 400 pts≈ ₹40 |
| All other spends | 2% | 200 pts≈ ₹20 |
Miles can be transferred to partner airlines and hotel loyalty programs. Transfer ratios vary by partner — check the Axis Bank website for current transfer partners and ratios.
Card Benefits
Domestic Airport Lounge
2 complimentary domestic lounge visits per quarter via DreamFolks
~₹4,000/yr value
Travel Insurance
International travel insurance and flight delay cover
~₹3,000/yr value
Miles & More Partner Offers
Discounts on Lufthansa group flights and partner hotels
~₹5,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1 (ANNUAL)
Anniversary Renewal – 3,000 Award Miles: Earn 3,000 Lufthansa Miles & More Award Miles as an annual renewal benefit on the card anniversary. Miles never expire while card is active.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the Axis Bank website.
| Annual Fee | ₹3,500 |
| Forex Markup | 0% (Zero Markup) |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Miles & More Credit Card.
Ready to apply for Miles & More Credit Card?
Apply directly on the Axis Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.