Axis Bank Miles and More Credit Card

Welcome bonus: The Miles and More Credit Card offers an attractive welcome bonus program to the cardholders as listed below. With the Miles and More credit card, you can avail up to 55,000 miles during the first year. These can be redeemed to enjoy exciting rewards.

Annual bonus: The annual bonus that the two variants of the card offer are mentioned below.

Rewards on spends: The Axis Bank Miles and More Credit Card offers reward miles to you whenever you use it for your daily transactions.

No expiry for the award miles: You would be excited to know that the award miles come with no expiry date and therefore and so you may retain them for as long as you wish to.

Priority Pass membership: With the Priority Pass lounge access facility, you can enjoy complimentary access to more than 600 airport lounges around the world. Priority Pass will be issued to you automatically on activation of your credit card.

Redemption options: The rich redemption option includes flight ticket bookings and upgrades, hotel reservations, shopping at partner online and offline stores, car rentals, etc.

Cardholders can also view, manage and redeem their accumulated miles directly through the official Miles & More programme website. 

Dining benefit: You can avail a minimum discount of 15% at partner restaurants through the 'Dining Delights' program.

24X7 Concierge services: To enhance your premium lifestyle experiences, the card offers you a dedicated concierge service which assists you in your travel and hotel reservations, gift deliveries and a host of other facilities.

Card safety

• The Miles and More credit card comes with the CHIP and PIN feature which provides maximum security against fraudulent activities. The CHIP and PIN feature allows the card to transact and store data in a format that is encrypted.
• On the CHIP, a PIN is encrypted and only the owner knows the PIN. This CHIP and PIN card can be used directly at the terminals of different merchants.

Utility bills payment: By issuing a standing instruction on the credit card, you can pay all your utility bills every month through the Axis Bank Bills Pay service.

Fuel surcharge waiver: Avail fuel surcharge refund of 1% when your fuel transactions range between Rs.400 and Rs.4,000. This is applicable to all the petrol stations across India.

Easy EMI: For any purchase of over Rs.2,500, you get the option of converting it to EMI which you can easily off in monthly instalments.

Comprehensive insurance coverage: With this particular credit card, you enjoy a comprehensive insurance coverage the details of which are mentioned in the following table.

Axis Bank Miles and More Credit Card fees and charges

Note: The interest rates are effective from 28 August 2026. 

Axis Bank also levies a 1% fee on rent, wallet-load, fuel, education, utility and select online gaming transactions once category-specific spend thresholds are crossed within a statement cycle, and a Dynamic Currency Conversion markup of 3.5% plus applicable taxes on eligible international transactions billed in Indian currency. 

The joining fee and annual fee on the Axis Bank Miles and More Credit Card are waived for HON and Senator status members under the Miles & More programme. 

Eligibility to Apply for Axis Bank Miles and More Credit Card

If you meet the fllowing criteria, you are eligible for the Axis Bank Miles and More Credit Card:

• Your current age is in between 18 years and 70 years
• The age for the add-on cardholder should be over 18 years
• You are a Resident of India or Non-Resident Indian

*These criteria are only indicative and the bank may introduce additional criteria at its discretion.

Required Documents for Axis Bank Miles and More Credit Card

• PAN card photocopy or Form 60
• Colour photograph copies
• IT return copy/ Latest payslip / Form 16
• Residence proof (any of the following):
  • Landline telephone bill
  • Passport
  • Ration card
  • Electricity bill
• Copy of your latest Miles & More Membership Card statement (only for existing Miles & More members)
• Statement of your existing Miles & More Credit Card (shouldn't be older than 2 months and only for existing Miles & More members)

*This is only an indicative list. Additional documents may be needed by the bank at the time of your application.

Summary

The Axis Bank Miles and More Credit Card is a co-branded travel card built for frequent flyers, offering unlimited never-expiring miles, Priority Pass lounge access and comprehensive travel insurance across its World and World Select variants. Fees, interest rates and reward miles differ by variant, so review the tables above before choosing. Apply for the Axis Bank Miles and More Credit Card that matches your travel spend and lounge needs.

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