Axis Bank
Axis Bank Miles & More Credit Card
Annual Fee
₹5,310₹4,500 + GSTBase Reward
6% miles
Foreign Markup
3.5% of the transaction amount
Welcome Benefits
15,000 miles on Axis Bank Miles & More Select Credit Card and 5,000 miles on Axis Bank Miles & More World Credit Card
Product Highlights
- 15,000 miles on first transaction with Select Card
- 4,000 miles added annually on renewal for Select Card
Category Rewards
travel
6 award miles per ₹200 spent
6X
dining
Minimum 15% discount at partner restaurants
15X
Reward Calculator
Costs you ₹0/year
Spend doesn't justify the fee. Consider a lifetime-free option.
₹25K
across all your buckets
0
Lufthansa Miles & More Award Miles
₹0
via statement credit · ₹0.25/pt
Effective rate
0.00%
Annual fee
FREE
Year 1 net
+₹0
Year 2+ net
+₹0
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%Kicks in after ₹10,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹25,000 cumulative utility spends/cycle
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, wallet, cash advance, emi, reversals, fraud, interest charges, fee payments
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 6 award miles per ₹200 spent with Axis Bank Miles & More Select Credit Card and 4 award miles per ₹200 spent with Axis Bank Miles & More World Credit Card. Redeem miles for flight bookings, hotel reservations, car rentals, shopping at partner merchants, or donations.
- Miles are redeemable for flight bookings, hotel reservations, car rentals, shopping or for donations.
Benefits & Features
Domestic: 8 complimentary domestic airport lounge access per quarter with Axis Bank Miles & More Select Credit Card and 4 with World Credit Card. International: 4 complimentary airport lounge access per year with Axis Bank Miles & More Select Credit Card and 2 with World Credit Card. (Complimentary Priority Pass membership.) Full lounge access description.
Pros & Cons
Pros
- High reward rate of 6 miles per ₹200 spent
- Complimentary lounge access
- 15% discount at partner restaurants
Cons
- High annual fee
- Limited to travel-related rewards
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks