← Part of Axis Credit Cards in India
India’s credit card market features over 20 airline co-branded cards as of 2026, with Axis Bank’s Miles & More cards targeting frequent flyers. These cards offer benefits like never-expiring Award Miles and complimentary lounge access at over 30 Indian airports.
| Parameter | Details |
|---|---|
| Card Type | Travel Credit Card (Co-branded with Lufthansa’s Miles & More program) |
| Variants Available | Miles & More Axis Bank World Credit Card, Miles & More Axis Bank World Select Credit Card |
| Target Audience | Frequent domestic and international travelers seeking airline miles and travel benefits |
| Award Miles Expiry | Never expire as long as the card remains active |
| First Transaction Requirement | Must be completed within the first 30 days of card issuance |
| Award Miles Earning (World Card) | 4 Award Miles for every ₹200 spent |
| Complimentary Domestic Lounge Visits (World Select Card) | 8 per quarter via Priority Pass membership |
| Complimentary Domestic Lounge Visits (World Card) | 16 per year via Priority Pass membership |
| Complimentary International Lounge Visits (World Select Card) | 4 per year via Priority Pass membership |
| Complimentary International Lounge Visits (World Card) | 2 per year via Priority Pass membership |
| Lounge Access in India | Access to lounges at over 30 airports across India |
| Global Lounge Access | Access to lounges at over 1,000 airports globally via Priority Pass |
| Fuel Surcharge Waiver | 1% on transactions between ₹400 and ₹4,000 at all fuel stations in India |
| Dining Benefits | Minimum 15% off at partner restaurants via Axis Bank Dining Delights |
| EMI Conversion Threshold | Convert transactions over ₹2,500 into EMIs |
| Miles Redemption Options | Flight bookings, upgrades (Star Alliance carriers), hotel reservations, shopping, car rentals, donations via Miles & More India website |
| Insurance Coverage | full insurance cover up to ₹4.5 crore (includes air accident, baggage/document loss) |
| Bank Establishment Year | 1993 (Axis Bank Ltd.) |
The Miles & More Axis Bank Credit Cards are designed to reward travel, offering substantial miles accumulation and extensive lounge access for cardholders.
Card Variants & Features
Axis Bank offers two primary variants of the Miles & More Credit Card in India: the World Credit Card and the World Select Credit Card. Both cards provide travel benefits, with the World Select variant offering d rewards and lounge access.
Cardholders earn Award Miles on spending, which can be redeemed for flights, upgrades, and other travel-related services via the Miles & More India website.
| Type/Category | Key Feature | Details |
|---|---|---|
| Miles & More World Select Credit Card | Welcome Bonus | 15,000 miles (on first transaction within 30 days of issuance) |
| Miles & More World Select Credit Card | Annual Bonus | 4,000 reward miles |
| Miles & More World Select Credit Card | Reward Miles on Spends | 6 Award Miles for every ₹200 spent |
| Miles & More World Select Credit Card | Domestic Airport Lounge Access | Up to 8 complimentary visits per quarter (at 30+ airports in India) |
| Miles & More World Select Credit Card | International Airport Lounge Access | 4 complimentary Priority Pass lounge visits per year (at 1000+ airports globally) |
| Miles & More World Credit Card | Welcome Bonus | 5,000 miles (on first transaction within 30 days of issuance) |
| Miles & More World Credit Card | Annual Bonus | 3,000 reward miles |
| Miles & More World Credit Card | Reward Miles on Spends | 4 Award Miles for every ₹200 spent |
| Miles & More World Credit Card | Domestic Airport Lounge Access | Up to 4 complimentary visits per quarter (at 30+ airports in India) |
| Miles & More World Credit Card | International Airport Lounge Access | 2 complimentary Priority Pass lounge visits per year (at 1000+ airports globally) |
| Both Variants | Fuel Surcharge Waiver | 1% on transactions between ₹400 and ₹4,000 at all fuel stations in India |
| Both Variants | Dining Delights Program | Minimum 15% discount at partner restaurants (up to 40% with EazyDiner for Select variant) |
| Both Variants | EMI Conversion | Any transaction over ₹2,500 can be converted into EMIs |
| Both Variants | Miles Expiry | Award miles never expire while the card is active |
| Both Variants | Insurance Coverage | full insurance cover up to ₹4.5 crore, including air accident, baggage, and travel document loss |
The Miles & More World Select Credit Card offers higher welcome and annual bonuses, along with more extensive lounge access, catering to more frequent international travelers.
Fees, Charges & Eligibility
The Axis Bank Miles & More Credit Card has specific fees and eligibility criteria for 2026. The World Credit Card variant carries a joining and annual fee of ₹3,500, while the Select variant has a renewal fee of ₹4,500. Eligibility generally requires applicants to be Indian residents aged 18-70 years with a stable credit history.
| Metric | Value (₹) | Details |
|---|---|---|
| Miles & More World Credit Card Joining Fee | 3,500 | Applicable for the World variant (as of 2026) |
| Miles & More World Credit Card Annual Fee | 3,500 | Applicable for the World variant (as of 2026) |
| Miles & More Select Credit Card Renewal Fee | 4,500 | Applicable for the Select variant (as of 2026) |
| Foreign Currency Transaction Markup | 3.50% | On Indian currency equivalent to US Dollars for Horizon card; general foreign currency transaction fee for Miles & More cards is also applicable |
| Dynamic Currency Conversion Markup | 1% + taxes | Applicable on dynamic currency conversion transactions |
| Rent Transaction Fee | 1% (max ₹1,500) + taxes | Per rental transaction for Miles & More World Credit Card |
| Railway Ticket Surcharge | As prescribed by IRCTC/Indian Railways | On purchase/cancellation of railway tickets |
| Fuel Surcharge Waiver | 1% | On transactions between ₹400 and ₹4,000 at all fuel stations across India |
| GST | As per existing government norms | Applicable on all fees, interest, and other charges |
| Cash Payment Fee | Applicable | Refer to the official Axis Bank schedule of charges |
| Cheque Return Fee | Applicable | Refer to the official Axis Bank schedule of charges |
| Late Payment Fee | Applicable | Refer to the official Axis Bank schedule of charges |
| Primary Cardholder Age Eligibility | N/A | 18 – 70 years of age |
| Add-on Cardholder Age Eligibility | N/A | 18 years onwards (some sources indicate 15 years onwards) |
| Applicant Residency | N/A | Resident of India or Non-Resident Indian (NRI) |
| Credit Score Recommendation | N/A | Good credit score (750+ recommended for World Select variant) |
| First Transaction Requirement | N/A | Must be done within 30 days of card issuance to activate certain benefits |
| EMI Conversion Threshold | 2,500 | Any transaction over ₹2,500 can be converted into EMIs |
HON and Senator Status members of Miles & More may receive waivers on joining and annual fees. All fees and charges are subject to change as per government regulations and Axis Bank policies.
Earning & Redeeming Miles
The Axis Bank Miles & More Credit Card allows cardholders to earn Award Miles on spending, which can be redeemed for flights, upgrades, and other travel benefits. These miles do not expire as long as the card remains active, offering long-term value for frequent flyers.
Cardholders can redeem accumulated miles directly on the Miles & More India website for various travel and lifestyle options.
- Award Miles Earning: The Miles and More World Axis Bank Credit Card earns 4 Award Miles for every ₹200 spent on most transactions.
- Redemption Platform: Miles are redeemed through the Miles & More India website, offering options for flights, hotel stays, and shopping.
- Flight Redemptions: Miles can be used for flight bookings and upgrades across Star Alliance member carriers, including Lufthansa, United Airlines, and Singapore Airlines.
- Travel Partners: Redemption options extend to hotel reservations and car rentals through partner merchants.
- Shopping & Lifestyle: Cardholders can also redeem miles for shopping at partner merchants or for charitable donations.
- Miles Expiry: Award Miles accumulated on the Miles & More Axis Bank Credit Card do not expire while the card is in use.
- First Transaction Bonus: To activate certain benefits, a first transaction must be completed within 30 days of card issuance.
- Bill Payments: Utility bill payments can be set up via standing instructions through Axis Bank Bill Pay service, ensuring timely payments.
The flexibility in earning and redeeming miles makes the Axis Bank Miles & More Credit Card a valuable tool for maximizing travel rewards.
Travel & Lifestyle Benefits
The Axis Bank Miles & More Credit Card offers extensive travel and lifestyle privileges, including complimentary lounge access and dining discounts. Cardholders can access over 30 domestic airport lounges and more than 1,000 international lounges globally.
- Complimentary Lounge Access: The Miles & More World Select Credit Card provides 4 complimentary Priority Pass lounge visits per year. The Miles & More World Credit Card offers 2 complimentary Priority Pass lounge visits annually.
- Domestic Airport Lounge Access: Cardholders receive complimentary lounge access at over 30 airports across India. The Miles and More World Axis Bank Credit Card offers 16 free domestic airport lounge visits per year.
- International Airport Lounge Access: The Miles and More World Axis Bank Credit Card includes 2 free international airport lounge visits per year via Priority Pass membership.
- Dining Discounts: Cardholders receive a minimum 15% discount at partner restaurants through the Axis Bank Dining Delights program. The Miles & More Axis Bank Select Credit Card offers up to 40% discount at partner restaurants via EazyDiner.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver applies to transactions between ₹400 and ₹4,000 at all fuel stations across India.
- Easy EMI Conversion: Any transaction over ₹2,500 can be converted into convenient monthly EMIs.
- full Insurance Coverage: The card provides full insurance coverage, including personal air accident insurance and cover for lost or delayed check-in baggage and travel documents.
- Bill Payment Services: Cardholders can set up standing instructions for utility bill payments through the Axis Bank Bill Pay service.
These benefits the travel experience and offer significant savings on dining and other lifestyle expenses for frequent flyers.
Miles & More vs Axis Atlas
The Axis Bank Miles & More Credit Card targets frequent flyers of Lufthansa and Star Alliance, offering Award Miles for specific airline redemptions. In contrast, the Axis Atlas Credit Card provides broader travel flexibility with EDGE Miles, redeemable across over 20 airline and hotel partners.
| Feature | Miles & More Credit Card | Axis Atlas Credit Card |
|---|---|---|
| Primary Focus | Airline-specific travel rewards (Lufthansa, Star Alliance) | Airline-agnostic travel rewards (EDGE Miles) |
| Reward Currency | Award Miles | EDGE Miles |
| General Spends Earning Rate | 4 Award Miles per ₹200 spent | 2 EDGE Miles per ₹100 spent |
| Travel Spends Earning Rate | Not specified | 5 EDGE Miles per ₹100 spent (direct airline/hotel bookings, Travel EDGE portal) |
| Miles Redemption Flexibility | Miles & More India website (flights, upgrades on Star Alliance, hotels, shopping) | 20+ travel partners at 1:2 ratio, or ₹1 per EDGE Mile on Axis Bank’s Travel EDGE Platform |
| Miles Expiry | Never expire while card is in use | Miles have expiry |
| Joining & Annual Fee (World Variant) | ₹3,500 (as of 2026) | Not specified |
| Domestic Lounge Access (World Variant) | 16 free visits per year (via Priority Pass) | Not specified |
| International Lounge Access (World Variant) | 2 free visits per year (via Priority Pass) | Not specified |
| Fuel Surcharge Waiver | 1% on transactions between ₹400 and ₹4,000 | Not specified |
The Miles & More card is ideal for those loyal to Star Alliance airlines, while the Axis Atlas offers greater versatility for diverse travel plans. Both cards provide distinct advantages depending on your preferred travel redemption strategy.
Application Process & Documents
Applying for the Axis Bank Miles & More Credit Card in 2026 involves a straightforward online or offline process, requiring standard KYC and income verification. Primary applicants must be Indian residents aged 18-70 years, with add-on cardholders also starting from 18 years.
- Visit the official Axis Bank website or a partner portal to initiate the application for the Miles & More Credit Card.
- Complete the online application form with personal, financial, and employment details.
- Submit required documents, including identity proof (Aadhaar Card, PAN Card, Voter ID), address proof, and income proof (latest salary slips, Form 16, or ITRs).
- Existing Miles & More Credit Card members may need to provide a statement not older than two months.
- Axis Bank will review the application and conduct a credit check based on your CIBIL score.
- Upon approval, the card will be dispatched to your registered address; ensure the first transaction is made within 30 days of card issuance to activate certain benefits.
Key Takeaways
- The Axis Bank Miles & More Credit Card application requires applicants to be Indian residents aged 18-70 years.
- documents include identity proof, address proof, and income proof like salary slips or ITRs.
- A first transaction within 30 days of card issuance is necessary to activate specific card benefits.
Check eligibility and apply for the Axis Bank Miles & More Credit Card directly on the official Axis Bank website.
Frequently Asked Questions (FAQs)
What are the main benefits of the Axis Bank Miles & More Credit Card in 2026?
The Axis Bank Miles & More Credit Card offers award miles on spends, which never expire while the card is active. You can redeem these miles for flights, hotel stays, and shopping on the Miles & More India website. Cardholders also receive dining discounts and a 1% fuel surcharge waiver.
How can I redeem Miles & More award miles earned with the Axis Bank credit card?
You can redeem your accumulated Miles & More award miles on the Miles & More India website. Options include booking award flights with Star Alliance member airlines like Lufthansa, United Airlines, and Singapore Airlines, making hotel reservations, or shopping at partner merchants. The miles are transferred to your registered Miles & More account.
What are the eligibility criteria for the Axis Bank Miles & More Credit Card in India?
To be eligible for the Axis Bank Miles & More Credit Card, primary applicants must be Indian residents between 18 and 70 years of age. Add-on card applicants must be 18 years or older. Specific income requirements are set by Axis Bank, varying by card variant.
Does the Axis Bank Miles & More Credit Card offer lounge access?
Yes, the Axis Bank Miles & More Credit Card offers complimentary lounge access. The Miles & More World Select Credit Card provides 4 complimentary Priority Pass lounge visits per year, while the Miles & More World Credit Card offers 2 complimentary Priority Pass lounge visits annually at participating airports in India.
Are there any fuel surcharge waivers with the Axis Bank Miles & More Credit Card?
Yes, cardholders receive a 1% fuel surcharge waiver at all fuel stations across India. This waiver applies to transactions ranging between ₹400 and ₹4,000. Terms and conditions apply, as per Axis Bank’s policy.
What is the annual fee for the Axis Bank Miles & More Credit Card?
The annual fee for the Axis Bank Miles & More Credit Card varies by variant. For example, the Miles & More World Select Credit Card has a specific renewal fee, which you should confirm directly with Axis Bank as of 2026. These fees are subject to change.
Can I convert large purchases on my Axis Bank Miles & More Credit Card into EMIs?
Yes, you can convert large credit card purchases into EMIs with the Axis Bank Miles & More Credit Card. For any transaction over ₹2,500, you can contact Axis Bank to convert IT into easy monthly installments. This offers flexibility for managing significant expenses.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.