Axis Bank
Miles & More Axis Bank World Credit Card
Data last verified: 11 October 2026
- Joining fee₹3,500 + GST
- Annual fee₹3,500 + GST
- Reward rate2% on most spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹3,500 + GST
- Annual fee₹3,500 + GST
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
01Miles & More Axis Bank World Credit Card Rewards and Benefits
02Miles & More Axis Bank World Credit Card Annual Fee and Charges
- Joining fee
- ₹3,500 + GST
- Annual fee
- ₹3,500 + GST
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 2%₹400
- Back each month, ₹4,800 a year₹400
- Annual fee with 18% GST−₹4,130
- In your pocket each year₹670
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Flyers: 18 airport lounge visits a year
Skip it if…
- you spend less than ₹17,500 a month: below that the ₹4,130 fee costs more than the rewards
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04How Miles & More Axis Bank World Credit Card earns Rewards
2% on most spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 2% | No cap | The card's normal rate |
| Dining and food delivery | 2% | No cap | The card's normal rate |
| Groceries | 2% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 2% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | 2% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 2% | No cap | The card's normal rate |
| Everything else | 2% | No cap | The card's normal rate |
Terms on the base rate. 4 Miles & More Award Miles per ₹200 (~2% in miles); miles never expire while the card is active
05Miles & More Axis Bank World Credit Card Lounge Access and Travel
Domestic lounge access is 16 visits a year, international is 2 visits a year, through Priority Pass with Priority Pass. 16 complimentary domestic airport lounge visits a year (4 per quarter), subject to a spend criterion Axis does not publish, plus 2 international lounge visits a year via the Mastercard / Priority Pass programme. Spending abroad carries a 3.5% forex markup; rewards on it: 2% back (the normal rate). See what it costs on your trip
Also on the card. concierge service, airport lounge access, milestone bonuses.
- Concierge service: EazyDiner Dining Delights discounts at partner restaurants, Axis names only the World Select card in its published Dining Delights terms, so treat this as unconfirmed on the World variant.
- Milestone bonuses: 3,000 Award Miles on each annual renewal, credited to your Miles & More account (the 5,000-mile welcome is a one-off joining bonus, counted separately)
06Miles & More Axis Bank World Credit Card Eligibility and Documents
- Age
- 18 to 70 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
07Recent Changes
What Axis Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 28 Aug 2026 | Reduced: Dynamic currency conversion markup more than doubles to 3.5%Source: Axis Bank | 1.5% + GST | 3.5% + GST |
| 28 Aug 2026 | Reduced: New top late-payment slab of Rs 1,300 above Rs 50,000Source: Axis Bank | ₹1,200 on any total payment due above ₹10,000 | ₹1,200 from ₹10,001 to ₹50,000; ₹1,300 above ₹50,000 |
| 28 Aug 2026 | Reduced: Tolls and road fees stop earning rewards; gift cards split into their own categorySource: Axis Bank | Bridge fees, road fees and tolls earned at the normal rate | No rewards or cashback on bridge fees, road fees and tolls |
| 20 Dec 2024 | Reduced: Bank-wide charges revision raises ancillary fees and standardises finance chargeSource: Axis Bank | Pre-revision Axis charge schedule | Finance charge standardised to 3.75% a month; higher DCC, cash-payment and rent-surcharge fees; new penalty and threshold fees |
| 11 Jun 2013 | Changed: Miles & More co-brand moves to Axis Bank; the Miles & More World card launchesSource: Axis Bank | - | - |
See this card's change history → · All card changes in August 2026 →
08Cards Similar to Miles & More Axis Bank World Credit Card
Miles & More Axis Bank World Credit Card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Miles & More Axis Bank World Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹3,500 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹3,500 + GST | Lifetime free | Lifetime free |
| Rewards | 2% on most spends | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | 16 visits a year | Unlimited | Not included |
| Forex markup | 3.5% | 0% | 0% |
| Type | Travel | Travel | Dining |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your Miles & More Axis Bank World Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
What is the joining fee for the Miles & More Axis Bank World Credit Card?
The joining fee is ₹3,500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Miles & More Axis Bank World Credit Card?
The annual fee is ₹3,500 + GST.
Does the Miles & More Axis Bank World Credit Card give airport lounge access?
Yes. Domestic lounge access is 16 visits a year, international is 2 visits a year, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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