Earn miles on every purchase and accelerate your journey to luxury travel rewards
Up to 5,000 bonus award miles on meeting spend criteria
Earn Lufthansa Miles & More award miles directly on card spends
Free domestic and international airport lounge visits annually
Enter your details to get started
| Benefit | Details |
|---|---|
| Direct Award Miles Programme | Earn 4 award miles per ₹200 spent on all purchases (2% return rate). Miles are credited directly to your Miles & More frequent flyer account. |
| Welcome & Milestone Benefits | Receive up to 5,000 bonus award miles upon achieving ₹90,000 spending within 90 days of card activation. Additional milestone bonuses available. |
| Airport Lounge Access | Complimentary domestic lounge access (up to 4 visits per year) and international lounge access (up to 2 visits per year) for primary cardholders. |
| Star Alliance Network | Redeem miles across 26 airlines in the Star Alliance network, including Lufthansa, Singapore Airlines, Air India, Thai Airways, and United Airlines. |
| Fuel Surcharge Waiver | 1% fuel surcharge waived on transactions between ₹400 and ₹4,000 at fuel stations across India. |
| Dining & Lifestyle Benefits | Access to exclusive dining offers and lifestyle privileges through Axis Bank's partner network. |
| Low Annual Fee | Competitive annual fee of ₹1,500 + GST with potential waiver on meeting annual spend criteria. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Axis Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Travel Rewards / Airline Co-branded |
| Type of Card | Premium Co-branded Credit Card (Mastercard World variant available) |
| Free or Paid | ₹1,500 + GST Annually (Waiver available on ₹1,50,000 annual spends) |
The Axis Bank Miles & More Credit Card is tailored for frequent travellers who prefer the flexibility of the Lufthansa Miles & More programme and the extensive Star Alliance network. As a co-branded card partnership between Axis Bank and Lufthansa, it offers direct award miles earning on everyday purchases, eliminating the need for intermediate points conversion. This card is ideal for travellers who fly regularly with Star Alliance carriers, value straightforward miles accumulation without complicated tier systems, and seek a cost-effective entry point into premium travel rewards. With its competitive annual fee, direct miles crediting, and comprehensive redemption options across 26 airlines, this card suits both leisure and business travellers looking to maximise their airline loyalty benefits.
Direct Miles & More Integration: The card is uniquely integrated with the Lufthansa Miles & More frequent flyer programme, one of Europe's largest airline loyalty schemes. Every purchase automatically earns award miles that are credited directly to your Miles & More account, providing seamless accumulation without manual transfers or conversions.
Competitive Earn Rate: Cardholders earn 4 award miles for every ₹200 spent across all purchase categories, delivering a consistent 2% return rate. This straightforward earning structure applies to domestic and international transactions alike, making it simple to track and maximise rewards.
Welcome Bonus Structure: New cardholders can earn up to 5,000 bonus award miles by spending ₹90,000 within the first 90 days of card activation. This welcome incentive provides an immediate boost to your miles balance, potentially covering a significant portion of a short-haul flight redemption.
Star Alliance Redemption Network: Miles earned can be redeemed for flights across all 26 Star Alliance member airlines, including premium carriers like Lufthansa, Singapore Airlines, Air India, Swiss International Air Lines, Thai Airways, United Airlines, and Turkish Airlines. This extensive network covers over 1,300 destinations worldwide.
Annual Lounge Access: The card provides complimentary airport lounge access with up to 4 domestic visits and 2 international visits per year for the primary cardholder. This benefit enhances the travel experience without the unlimited access offered by higher-tier cards.
Fuel Benefits: Enjoy a 1% fuel surcharge waiver on transactions ranging from ₹400 to ₹4,000 at authorised fuel stations across India, providing modest savings on regular fuel purchases.
Affordable Premium Card: With an annual fee of just ₹1,500 + GST and the possibility of a fee waiver on meeting ₹1,50,000 in annual spending, this card offers an accessible entry point into co-branded airline rewards cards.
Dining & Lifestyle Privileges: Access exclusive dining discounts and lifestyle offers through Axis Bank's partner network, complementing the core travel benefits with everyday value.
No Forex Markup Advantage: International transactions are subject to standard foreign currency markup rates, making this card more suitable for domestic spends and miles accumulation rather than international spending optimisation.
Miles Validity: Miles & More award miles typically remain valid for 36 months from the date of earning, provided there is account activity. Miles can be extended through programme activity or by achieving elite status tiers.
Base Earn Rate: Earn 4 award miles for every ₹200 spent on all eligible purchases (equivalent to 2% return).
Domestic Spends: All domestic retail transactions, dining, shopping, and online purchases earn award miles at the standard rate.
International Spends: International transactions earn miles at the same 4 miles per ₹200 rate, though subject to foreign currency markup.
Direct Crediting: Award miles are automatically credited to your linked Miles & More frequent flyer account, typically within one billing cycle.
No Intermediate Conversions: Unlike bank reward points systems, miles are earned directly as award miles without requiring transfers or conversions.
Flight Redemptions: Book award flights across all 26 Star Alliance member airlines using your accumulated miles. Redemption values vary based on route, cabin class, and availability.
Upgrade Redemptions: Use miles to upgrade from economy to business class or business to first class on participating airlines.
Hotel Bookings: Redeem miles for hotel stays through Miles & More partner hotels worldwide.
Car Rentals: Book car rentals using award miles through programme partners.
Merchandise & Experiences: Access the Miles & More online shop for electronics, lifestyle products, and unique experiences.
Award Chart: Miles & More operates on an award chart system with redemptions starting from as low as 15,000 miles for short-haul economy flights within Europe.
Welcome Bonus: Earn up to 5,000 bonus award miles upon spending ₹90,000 within the first 90 days of card activation.
Spending Threshold: The welcome bonus is tiered, with miles awarded upon achieving the specified spend target within the qualifying period.
First Transaction Benefit: Some promotional offers may provide additional bonus miles upon making the first transaction within a specified timeframe.
Domestic Lounge Access: Primary cardholders receive up to 4 complimentary visits per year to domestic airport lounges at select airports across India.
International Lounge Access: Up to 2 complimentary international airport lounge visits per year for primary cardholders.
Usage Tracking: Lounge visits are tracked annually and reset at the beginning of each calendar year or card anniversary year (depending on programme terms).
Add-on Card Access: Add-on cardholders typically do not receive complimentary lounge access unless specifically stated in promotional offers.
Waiver Rate: 1% fuel surcharge waived on fuel transactions.
Transaction Range: Applicable on transactions between ₹400 and ₹4,000 at authorised petrol pumps across India.
Monthly Cap: Subject to monthly usage caps as per Axis Bank's fuel surcharge waiver policy.
Restaurant Offers: Access exclusive dining discounts at partner restaurants through Axis Bank's dining programmes.
Lifestyle Privileges: Enjoy special offers on shopping, entertainment, and wellness through Axis Bank's partner network.
Seasonal Promotions: Benefit from periodic promotional offers on select merchant categories.
Air Accident Cover: Coverage for air travel-related accidents for the cardholder.
Purchase Protection: Protection against theft or damage of items purchased using the card (subject to terms and conditions).
Lost Card Liability: Protection against fraudulent transactions following card loss or theft.
Award miles are not earned on the following transaction categories:
Cash withdrawals and cash advances
EMI conversions and EMI transactions
Balance transfers
Fuel purchases (as per standard exclusion policy, separate from fuel surcharge waiver)
Payment of card fees and charges
Reversed or refunded transactions
Wallet loads exceeding specified thresholds
Certain utility payments and government institution payments (subject to bank policy)
Note: The exclusion list is relatively standard for co-branded airline cards, though some categories may vary based on periodic policy updates.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹1,500 + GST (~₹1,770) | One-time charge when the card is issued. |
| Annual Fee | ₹1,500 + GST (~₹1,770) | Charged every year. Waived on annual spends of ₹1,50,000 or more. |
| Add-on Card Fee | Complimentary (up to specified limit) | Fee for additional cardholders on the account. |
| Interest Rate (APR) | 1.5% to 3.49% per month (18% to 41.88% annually) | Applicable on outstanding balances after the due date. |
| Foreign Currency Markup | 3.5% + GST (~4.13%) | Standard foreign exchange markup on international transactions. |
| Cash Withdrawal Fee | 2.5% of cash amount (Minimum ₹500) | Applicable on cash withdrawals from ATMs or banks. |
| Cash Advance Limit | As per bank's policy | Maximum cash withdrawal permitted. |
| Late Payment Fee | ₹500 to ₹1,300 (based on outstanding amount) | Charged when minimum payment is not made by the due date. |
| Over-limit Penalty | 2.5% of over-limit amount (Minimum ₹500) | Charged when spending exceeds sanctioned credit limit. |
| Cheque Return/Dishonour Fee | 2% of payment amount (Minimum ₹450) | Charged when payment cheque bounces or auto-debit fails. |
| Card Replacement Fee | ₹100 | Charged for issuing a replacement card (lost, stolen, or damaged). |
| Duplicate Statement Charges | As per bank policy | Charged for requesting duplicate physical statements. |
| Rent Transaction Fee | 1% + GST (with applicable caps) | Applicable on rent payments made through the card. |
| Railway Ticket Booking Fee | ₹100 + GST per transaction (if applicable) | Charged on IRCTC railway ticket bookings. |
| Criteria | Details |
|---|---|
Age | Primary cardholder should be between 21 and 65 years |
Existing Customer | Available to both existing Axis Bank customers and new applicants |
Citizenship | Must be a Resident of India |
Credit Score | Good to excellent CIBIL score (ideally 700-900) required |
Income | Minimum monthly income of ₹25,000 for salaried individuals; higher for self-employed |
Banking Relationship | Existing Axis Bank relationship helpful but not mandatory |
Miles & More Membership | Requires a Miles & More frequent flyer account (can be created during application) |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card, Passport, Driving Licence, Voter ID Card |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving Licence, Voter ID Card, Recent Utility Bill (within 3 months) |
| Income Proof | Latest salary slips (last 3 months) / Bank statements (last 6 months) / Form 16 / IT return copy (last 2 years) / Audited financials (for self-employed) |
| PAN Card | Mandatory for credit card issuance |
| Photograph | Recent passport-size photographs |
| Miles & More Number | Your Miles & More frequent flyer membership number (for linking award miles) |
Step 1: Click on Apply Now - Hit the 'Apply Now' button to start your application.
Step 2: Fill in Your Details - Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Step 3: Upload Required Documents - Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Step 4: Submit Your Application - Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery - Once your application is approved after verification, your Axis Bank Miles & More Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Link Your Miles & More Account | Ensure your Miles & More frequent flyer number is correctly linked to your credit card to receive automatic miles crediting. |
Maximise Welcome Bonus | Plan significant purchases within the first 90 days to achieve the ₹90,000 spend threshold and earn the full 5,000 bonus miles. |
Focus on Domestic Spending | With a 3.5% forex markup, prioritise domestic transactions for miles earning and use alternative cards for international spends. |
Track Lounge Visits | Monitor your annual lounge access quota (4 domestic + 2 international) and use them strategically during travel. |
Combine with Elite Status | If you have Miles & More elite status, combine credit card miles with flight-earned miles to accelerate award redemptions. |
Plan Award Bookings Early | Star Alliance award availability can be limited; book flights well in advance for best selection, especially for popular routes. |
Use Fuel Benefits Optimally | Keep fuel transactions within the ₹400-₹4,000 range to maximise the 1% surcharge waiver benefit. |
Achieve Annual Spend Waiver | Target ₹1,50,000 in annual spending to waive the ₹1,500 + GST annual fee. |
Monitor Miles Expiry | Miles & More award miles typically expire after 36 months of inactivity. Maintain regular account activity to preserve miles. |
Explore Partner Redemptions | Beyond flights, consider redeeming miles for hotel stays, car rentals, or upgrades to maximise value. |
Pay in Full Monthly | Always clear your entire statement balance by the due date to avoid interest charges and maintain your credit score. |
Combine with Dining Offers | Leverage Axis Bank's dining partnerships to earn miles whilst enjoying discounted meals. |
Set Up Payment Alerts | Enable SMS and email alerts for transactions to monitor spending and detect any unauthorised activity. |
Create a Miles & More Account Early | If you don't have a Miles & More membership, create one before applying to expedite the linking process. |
The Axis Bank Miles & More Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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