Axis Bank Miles and More Credit Card: Features, benefits, and charges
Default Image

Indialends, 25 Mar 2026

Share share icon
instagram linkedin facebook copy

Axis Bank Miles and More Credit Card

What is LAMF Finance Charges (Interest Rates) Late Payment Fees Cash Advance Fees

The Axis Bank in association with Lufthansa has created Axis Bank Miles and More Credit Cards. There are two types of variants, one is Miles and More Bank World Credit Card and other is Miles & More Axis Bank World Select Credit Card. Using this card, you will be rewarded for your every purchase.

Key highlights of Axis Bank Miles and More Credit Card

  • Makes you earn welcome benefit of 15000 air miles.
  • Never expiring miles
  • Enjoy annual bonus of up to 4000 rewards
  • Get complementary 8 free visits at the selected airport lounges per quarter
  • Get the best interest rates on Axis bank loans
  • Up to 4 Free Priority Pass lounge visits annually
  • Concierge Services
  • Min. 15% off at select restaurants
  • Fuel surcharge waiver
Category Miles and More Axis Bank world credit card Miles and More World select credit card
Welcome Benefit 5000 Award Miles 15000 award miles
Award Miles 4 award miles on each 200 spent 6 award miles on each Rs 200 spent
Annual Bonus 3000 award miles 4000 award miles
Free Lounge visits 4 8
Free Priority Pass Lounge Visits 2 4

The Eligibility criteria to apply for Axis Bank Miles and More Credit Card

  • The minimum age to apply for Axis Bank Miles and More Credit Card is 18 years and the maximum is 70 years. The add-on card holder should be 15 years and above.
  • The card is available to both self-employed and Salaried individual.
  • Must be having a good credit score of 750, or above.
  • Must be the resident of India
  • Should be a resident of India
  • The above eligibility criteria are only indicative. The Bank reserves the right to approve or decline applications for Credit Card.

The documents required to apply for Axis Bank Miles and More Credit Card

  • Duplicate copy of the PAN Card or Form 60
  • Income Proof: Latest pays lip/ Form 16/ IT Return copy
  • Residence Proof: Passport/ Ration Card/ Electricity bill/ Landline Telephone bill
  • Copy of latest Miles & More Membership card statement (for existing
  • Miles & More members only)
  • Only for existing Miles & More Credit Card customers: Credit card statement of existing Miles & More credit card (not older than 2 months) issued by
  • Miles & More’s earlier Banking partner in India

Axis Bank Miles and More Credit Card fees and Charges

Charges World Card World Select Credit Card
Standard Joining Fees 3500 10,000
Standard Annual Fees 3500 4500
Standard add-on card fee NIL NIL
Finance Charges( Retail Purchases and Cash) 2.95% per month (41.75% per annum) 2.95% per month (41.75% per annum)
Cash Withdrawal Fee 2.5% (Min. Rs 250) of the Cash Amount 2.5% (Min. Rs 250) of the Cash Amount
Fee for Cash Payment Rs 50/- Rs 50/-
Card Replacement( Lost or Stolen Re-issue) Waived Waived
Duplicate statement fee Waived Waived
Overdue penalty or late payment fee Rs. 300 if Total Payment Due is up to Rs. 2000 Rs. 400 if Total Payment Due is between Rs. 2001 – Rs. 5000 Rs. 600 if Total Payment Due is Rs. 5001 or more Rs. 300 if Total Payment Due is up to Rs. 2000 Rs. 400 if Total Payment Due is between Rs. 2001 – Rs. 5000 Rs. 600 if Total Payment Due is Rs. 5001 or more
Over limit penalty 3% of the overlimit amount (Min. Rs 500) 3% of the overlimit amount (Min. Rs 500)
Surcharge on purchase or cancellation of railway tickets As prescribed by IRCTC/Indian Railways As prescribed by IRCTC/Indian Railways
Fuel transaction surcharge 2.5% of transaction amount or Rs. 10, whichever is higher (Refunded for fuel transactions between Rs. 400 and Rs. 5000) 2.5% of transaction amount or Rs. 10, whichever is higher (Refunded for fuel transactions between Rs. 400 and Rs. 5000)
Foreign currency transaction fee 3.50% of the transaction value 3.50% of the transaction value

Payment Options for Axis Bank Miles and More Credit Card

There are many options available for making the payment of Axis Bank Credit Cards. If the user is using multiple credit cards of different banks. He or she may also use the third-party payment gateway for making payments. The various payment modes are:

  • Net Banking facility of the Axis Bank.
  • Axis Bank Mobile Application.
  • GPay, Paytm, Bill desk, and some other third-party payment gateway.
  • Payment through cheque or cash.
  • NEFT from another bank account.
  • Auto-Debit functionality in the credit card account.

How to apply for a credit card at IndiaLends platform?

We provide you hassle-free and simple ways to apply for a credit card. You have to enter few basic details and we suggest the best credit card offers for you. Follow the steps given below to apply:

  • Click here to start the application process.
  • Enter your basic details like occupation, monthly income, city, and contact number. You will now see a list of credit cards for which you meet the basic eligibility criteria.
  • Find your preferred credit card from the list and check your eligibility for the same.
  • If eligible, you can complete the online application

Once you apply, you will get a call from our representative who will assist you in delivering the credit card of your choice to your doorstep.

Simplify Your Finances with IndiaLends

Compare credit cards, get instant loan offers, and track your credit score — all in one app.

download app scanner

Scan this QR Code

google play apple store

Latest Articles

Relevant Articles

FAQ’s

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.

The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.

Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.

Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

toast icon URL copied to clipboard successfully !

Download the IndiaLends App Now

  • Track your credit score all the time and stay financially healthy
  • Get exclusive Loans and Credit Card offers
  • Enjoy a seamless experience

Scan this QR code to download the app

download app scanner
google play apple store
index banner image