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Axis Bank Miles & More World Credit Card: Benefits & Fees

Explore the Axis Bank Miles & More World Credit Card. Get 5,000 welcome miles, lounge access, and miles that never expire. Apply now for premium travel benefits.

Vyaya Team · Jan 2026
5 min read
Value Score
7.2 / 10
Annual Fee
₹3,500
Best For
frequent-traveler
Network
Mastercard
Expert Verdict

A solid mid-to-premium travel card for those loyal to the Miles & More ecosystem. The non-expiry of miles is a standout feature, though the recent spend-based lounge restrictions reduce its entry-level appeal.

Miles & More Axis Bank World Credit Card credit card by Axis Bank - Mastercard network
REWARD SUMMARY
0.9000000000000001% Base Rewards
The card that takes you places with Miles & More
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The Bottom Line

The Miles & More Axis Bank World Credit Card is a solid mid-to-premium travel card for those loyal to the Miles & More ecosystem. The non-expiry of miles is a standout feature, though the recent spend-based lounge restrictions reduce its entry-level appeal. With a ₹3,500 annual fee, it offers 4.5% rewards on entertainment and 5,000 bonus points. For anyone researching Axis Bank Miles and More World Credit Card, the verdict is simple: recommended.

It earns a base reward rate of 0.9000000000000001% and stacks best when your spending lines up with frequent-traveler.

What we like
+Generous welcome bonus of 5,000 Award Miles upon first transaction
+Annual renewal bonus of 3,000 Award Miles ensures recurring value
+Miles do not expire as long as you hold the card and make at least one miles-earning purchase per month
+High reward rate on movie spends (20 miles per ₹200 spent)
What we don't
High annual fee of ₹3,500 with no specified spend-based waiver
Domestic lounge access is subject to a spend of ₹50,000 in the previous 3 months
Miles are primarily valuable for Star Alliance partners, limiting flexibility compared to generic points

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
frequent-traveler

Travelers who frequently fly with Lufthansa, Swiss Air, or other Star Alliance partners.

Best value above ₹40,000/month

Probably not for

Skip
low-spender

Users who cannot meet the ₹50,000 quarterly spend for lounge access or don't travel internationally.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

🍽️
Dining
05,000Max ₹50k
Est. Returns
✈️
Travel
010,000Max ₹1L
Est. Returns
🛒
Shopping
08,000Max ₹80k
Est. Returns
🥬
Groceries
06,000Max ₹40k
Est. Returns
Annual rewards0
Welcome bonus (Year 1)+₹2,250
Annual fee-₹3,500
Net Value (Year 1)-1,250
Net Value (Year 2+)-3,500

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Reward Rates

Miles & More Axis Bank World Credit Card offers 0.9000000000000001% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

ENTERTAINMENT
4.5%

Welcome Offer

5000 Bonus Points

Welcome bonus credited upon first successful transaction within 30 days of card issuance.

Value: ₹2250

Fees & Charges

Joining fee₹3,500
Annual fee₹3,500
Fee waiverN/A

Eligibility

  • Min Income: ₹6 Lakhs
  • Min Credit Score: 750
  • Primary cardholder should be between 18 and 70 years of age. Net annual income of ₹6,00,000 or above is generally required. Resident of India.

Exclusions & Terms

Fuel

  • Fuel transactions are excluded from reward points and subject to surcharge waiver rules.

Wallet Load

  • Wallet loading transactions do not earn Award Miles.

Cash Advance

  • Cash withdrawal transactions are excluded from rewards.

Rent

  • Rent payments are excluded from rewards and subject to a 1% fee.

Insurance

  • Insurance premiums are excluded from earning miles.

Utilities

  • Utility bill payments are excluded from earning miles.

Government Services

  • Government related transactions are excluded from rewards.

Gold/Jewellery

  • Gold and jewellery purchases are excluded from earning miles.

EMI

  • EMI transactions do not earn reward points.

Compare with Alternatives

Feature
Miles & More Axis Bank World Credit Card by Axis Bank - credit card comparison
Miles & More Axis Bank World Credit Card
Axis Bank
Current Card
Air India SBI Signature Card by SBI Card - credit card comparison
Air India SBI Signature Card
SBI Card
View Details
Annual Fee
₹3,500
₹4,999
Joining Fee
₹3,500
₹4,999
Reward Rate
0.9000000000000001%
0.25%
Network
Mastercard
Visa
Best For
frequent-traveler
Air India LoyalistHigh Spender

Frequently Asked Questions

2 data-backed answers from our card database

Do Miles & More Award Miles expire?+

No, Award Miles earned on this card do not expire as long as you hold the Axis Bank Miles & More Credit Card and make at least one miles-earning purchase every month.

What is the annual bonus for this card?+

You receive 3,000 Award Miles as an annual bonus every year upon payment of the renewal fee.

Ready to apply?

₹3,500 fee. Excellent rewards. Apply now securely.

Apply on Axis Bank

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