Miles and More Axis Bank World Credit Card
Axis Bank · Open to apply
Axis's Lufthansa Miles & More co-brand: 4 Miles & More award miles per ₹200, 5,000 welcome miles and a 3,000-mile annual bonus, 4 domestic lounge visits a quarter and 2 Priority Pass visits a year. ₹3,500 joining and annual fee. Miles go straight to the Miles & More account and do not expire while the card is used.
- Annual fee
- ₹3,500 + GST a year
- Joining fee
- ₹3,500 + GST
- Base rate
- 4 Miles & More award miles per ₹200 on eligible spends: 4 Miles & More award miles per ₹200 (about 1.6% at cash value)
- Lounges
- Domestic: 4 visits a calendar quarter after ₹50,000 spend; International: 2 visits per card year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No miles on fuel, wallet loads, cash advances and EMI conversions
- No miles on rent, insurance, utilities and telecom, government, gold and jewellery, gift cards, and bridge, road and toll fees
Where the sources disagree
- Interest rate: The product page's fees table says 3.7% a month (55.55% a year) while the MITC says 3.75% a month. The two annual figures match, so the MITC's 3.75% is used.
Terms the calculator does not value
- Miles & More miles are valued at our estimate for the programme, not at an Axis figure: Miles & More award prices vary by route, cabin and date, and redemptions often carry carrier charges.
- The product page says a first-year cardholder can earn "up to 32,000 miles" including the welcome miles and annual bonus; this is an illustration at ₹1,00,000 of monthly spend and is not a separate benefit.
- The product page also mentions air accident cover and lost card cover, but no cover amount was found for either, and Axis's FY26-27 insurance sheet lists only baggage and credit shield for Miles & More cards.
Sources
- Miles & More Axis Bank Credit Card product page (covers the World and World Select cards) (Product page, the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Key Fact Sheet (last updated 2026-10-08) (Schedule of charges, the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Most Important Terms and Conditions (PDF created 2026-10-08) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Miles & More Axis Bank Co Brand Credit Cards, Terms and Conditions for earning, non-expiry and redemption of award miles (Reward terms, the bank's own, read 6 Nov 2026)
- Revision of MILES & MORE AXIS BANK WORLD Credit Card T&C (effective 2024-04-20) (Bank notice, the bank's own, read 6 Nov 2026)
- Revision of MILES & MORE AXIS BANK Credit Card T&C (effective 2025-06-20) (Bank notice, the bank's own, read 6 Nov 2026)
- Axis Bank Credit Cards Domestic Airport Lounge Access Program (PDF created 2026-04-16) (Reward terms, the bank's own, read 6 Nov 2026)
- Axis Bank Credit Card Insurance Benefit sheet (FY26-27) (Reward terms, the bank's own, read 6 Nov 2026)
- Revision of MILES AND MORE AXIS BANK WORLD SELECT Credit Card T&C (notice dated 2026-07-27, effective 2026-08-28 and 2026-11-15) (Bank notice, the bank's own, read 6 Nov 2026)