Summary
The Axis Bank Miles & More Credit Card is a premium offering for frequent travelers, especially Lufthansa Group airlines flyers. This combined benefit and reward credit card enhances the total experience of the cardholder. It has a cutting-edge design with substantial rewards in Miles & More miles earned through everyday spending.
The card gives 2 Miles for every ₹100 spent internationally and 1 Mile for every ₹100 on domestic transactions, making it very rewarding for frequent flyers. It also comes with a great welcome bonus in miles, which can be used to book flights, hotel stays, and other travel-related services under the Miles & More program.
The card provides airport lounge access for free, thus ensuring a hassle-free journey. It also comes with travel insurance cover for security. On the other hand, a fuel surcharge is not levied on purchases.
Introduction
Axis Bank Miles & More Credit Card could be a perfect option for people who travel and require comfort during traveling but also need to get more benefits in return with travel. Credit Card has been designed to cater to frequent flyers who like to travel in the air. It is issued to those flyers who spend extensively on their various expenses.
The biggest advantage of Axis Bank Miles & More Credit Card aisit’s earning more miles towards air travel-associated expenses, which you can use. You can further use these rewards to get assistance while traveling for future travel requirements.
Let us know in detail about Credit Card through this article its benefits and how to apply for i.? .et us also know in detail about it. So read this article till the end so that you do not face any problems later.
What is the Axis Bank Miles & More Credit Card?
Credit Card is a new kind of credit card that Axis Bank has planned for those passengers who wish to gain miles upon air travel and enjoy great perks while they are traveling. Axis Bank has collaborated with Lufthansa and Swiss Airlines on this card for its customers to reap more miles on trips with these two airlines and make those miles bankable for future trips.
How is the design of the Miles & More Credit Card?
The Axis Bank Miles & More Credit Card has an elegant, current design. On the card is a simple pattern and a dark blue and black-dominated color scheme. On the credit card, both the Axis Bank logo and Miles & More, which is used by the Lufthansa Group, are marked.
This elegant look gives a premium feel, while the card itself is fashioned for frequent travelers to have an appearance that exudes style and sophistication yet, for practical use daily.
What are the benefits of the Axis Bank Miles & More Credit Card?
Here’s a breakdown:
- Miles Earned on Purchases: You earn Miles & More Miles for every purchase made. For example, you can earn 2 Miles for every ₹100 spent on international transactions and 1 Mile for every ₹100 spent on domestic purchases.
- Welcome Bonus: You receive a significant number of bonus miles when you sign up for the card, which can be used for flights and other rewards.
- Complimentary Lounge Access: Get free access to some airport lounges in India and abroad and make travel more comfortable.
- Redemption of Miles: The miles you earn can be redeemed for flights, hotel stays, car rentals, and other travel-related rewards, mainly through the Miles & More program.
- Travel Insurance: The card also provides travel insurance coverage, which can offer peace of mind during your travels.
- Fuels surcharge waiver: Saving on fuel surcharges while using the card in filling up at petrol stations.
What are the fees for the Axis Bank Miles & More Credit Card?
Here is a simple breakup of the Credit Card fees.
Joining Fee | ₹3,499 + GST (one-time fee when you get the card). |
Annual Fee | ₹3,599 = GST per year. This will be waived if you spend ₹2,00,000 or more in a year. |
Add-on Card Fee | No charges for additional cards for family members. |
Finance Charges | 3.5% per month (49% annually) on the outstanding balance if you don’t pay your bill in full. |
Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a Miles & More Credit Card?
The following are the primary requirements:
- To apply the Credit Card, you must be between 18 and 70 years old.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs.8 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for Axis Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an Axis Bank Miles & More Credit Card?
The documents that you will have to submit to get a Credit Card are as below:
Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
Address Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons |
Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
Photograph | The latest passport-sized photograph |
Where can the Axis Bank Miles & More Credit Card be used?
Here is the list of places where you can use it:
- With the Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Miles & More Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Miles & More Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Miles & More Credit Card?
The credit amount you can spend is what you are provided with an Axis Bank Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an Axis Bank Miles & More Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the Axis Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by Axis Bank; for instance, you can choose the Axis Bank Miles & More Credit Card.
- Just hover your cursor on the Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest Axis Bank branch to apply for the Miles & More Credit Card.
- Request for the credit card application form of the Miles & More Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Axis Bank Card website, or mobile app or by calling their customer service.
- You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.
Would getting a Credit Card in 2025 be right?
Yes, getting an Axis Bank Miles & More Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
Axis Bank Miles & More Credit Card is for travelers who not only want to be comfortable during their air travel but also aim to turn their travel into a financial windfall. Along with this, facilities like priority check-in at airports, and lounge access make the travel even more comfortable.
Credit Card has emerged as an innovative investment for avid travelers. This has been followed as an appropriate idea for individuals willing to generate rewards from frequent spending. Being beneficial for air travel users who usually take the route to improve experience as well as cut expenses incurred.
Frequently Asked Questions (FAQ’s)
Ans: One can gain 4 miles for every Rs. 200 spent with the Axis Bank Miles & More Credit Card. Such miles are also earned on tickets, shopping, dining, and other daily spending. Extra miles are also generated on traveling with Lufthansa and Swiss Airlines.
Ans: Redeem miles with the Axis Bank Miles & More Credit Card by using them for flight tickets, upgrading classes, hotel booking, car rentals, and other travel arrangements. Along with this, you can also utilize your miles with different Miles & More partner airlines.
Ans: Yes, with Axis Bank Miles & More Credit Card, cardholders get premium airport lounge access at several airports, thereby ensuring comfort and convenience while traveling.
Ans: Yes, with Axis Bank Miles & More Credit Card, cardholders also get a fuel surcharge waiver, thereby avoiding any extra charges levied on their transactions at the petrol pumps.
Ans: Yes, the annual fee is charged on Axis Bank Miles & More Credit Card. Do check the official website of the bank or visit the nearest branch for details regarding fees.