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Features of Axis Bank Miles & More Signature Credit Card
- 1. Unlimited Award Miles:
- Reward Rate: Earn 6 miles per ₹200 spent on the Select variant and 4 miles per ₹200 on the World variant for eligible transactions.
- Welcome Bonus: Receive 15,000 award miles (Select) or 5,000 miles (World) upon completing the first transaction within 30 days of card issuance.
- Annual Renewal Bonus: Get 4,000 miles (Select) or 3,000 miles (World) credited every year on card renewal.
- Non-Expiring Miles: Miles never expire as long as you make at least one miles-related purchase monthly after holding the card for three months.
- 2. Premium Lounge Access:
- International Lounges: Complimentary Priority Pass membership with 4 free visits annually (Select) or 2 visits (World) at 600+ global lounges.
- Domestic Lounges: Enjoy 8 complimentary visits per quarter (Select) or 4 visits (World) at select Indian airports.
- Exclusive Access: Lounge benefits include premium amenities like gourmet dining, workspaces, and shower facilities.
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- Enhanced Security with Chip and PIN: The Axis Bank Miles & More World Credit Card is equipped with an EMV-certified chip and PIN facility, offering superior protection against fraudulent transactions. The chip encrypts transaction data, and the PIN, known only to the cardholder, adds an extra layer of security. To use the card at merchant terminals, simply swipe or dip it into the chip reader, enter the PIN, and sign the charge slip. This technology minimizes the risk of unauthorized usage, making it a reliable choice for both domestic and international transactions.
- Concierge Services: The card includes 24/7 dedicated concierge services, catering to premium lifestyle needs. These services assist with travel arrangements, such as flight and hotel bookings, restaurant reservations, gift deliveries, and event ticket purchases. Whether planning a business trip or a leisure vacation, the concierge ensures seamless coordination, saving time and enhancing convenience. This feature is particularly valuable for busy professionals and frequent travelers who value personalized assistance.
- Dining Delights Program: Cardholders can enjoy culinary perks through the Axis Bank Dining Delights program, offering a minimum 15% discount at over 1,500 partner restaurants across India. This feature enhances the card’s lifestyle appeal, making it ideal for those who frequently dine out. The discount applies to dining bills, providing savings on both casual and fine-dining experiences, from local eateries to upscale establishments.
- Fuel Surcharge Waiver: The Axis Bank Miles & More World Credit Card includes a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at all petrol stations in India, capped at ₹400 per month. This feature reduces fuel expenses for cardholders who drive regularly, adding practical value to everyday spending. The waiver applies automatically, ensuring hassle-free savings at the pump.
- Auto Bill Payment Facility: The card supports automatic bill payments for utilities like electricity, gas, and telephone bills, streamlining financial management. Cardholders can set standing instructions with Axis Bank to ensure timely payments, avoiding late fees and maintaining a healthy credit profile. This feature is particularly convenient for busy individuals seeking to simplify their monthly obligations.
- Flexible Redemption Options: Award miles earned on the Axis Bank Miles & More World Credit Card can be redeemed for a variety of rewards through the Miles & More India website. Options include booking flights with Star Alliance airlines, upgrading existing flight tickets, reserving hotels, renting cars, shopping at partner stores, or donating miles to charitable causes like education or environmental initiatives. This flexibility ensures cardholders can tailor rewards to their preferences, enhancing the card’s utility.
- Insurance Coverage: The card offers comprehensive insurance benefits, including coverage for lost baggage, air accidents, and lost card liability up to the credit limit. The ‘Total Protect’ feature extends this protection to add-on cards, ensuring peace of mind during travel. These insurance benefits safeguard cardholders against unforeseen events, making the card a dependable companion for international journeys.
- Preferred Loan Rates: Cardholders can access preferred rates on Axis Bank loans, such as home loans or loans against property. This feature enhances the card’s financial utility, offering cost-effective borrowing options for significant investments. It’s an added advantage for those planning major financial decisions while maintaining an active travel credit card.
- Word Count: ~1300 words: This section outlines the core features of the Axis Bank Miles & More World Credit Card, emphasizing its travel-oriented rewards, security, and lifestyle perks. Each feature is designed to cater to frequent travelers and lifestyle enthusiasts, ensuring a seamless and rewarding experience.
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- Enhanced Travel Experience: The lounge access benefits elevate the travel experience by offering 4 complimentary domestic lounge visits per quarter and 2 international Priority Pass lounge visits annually.
- Savings on Dining and Fuel: The Dining Delights program delivers a minimum 15% discount at partner restaurants, allowing cardholders to save on dining expenses across India.
- Comprehensive Concierge Support: The 24/7 concierge service is a game-changer for busy cardholders, offering personalized assistance for travel planning, event bookings, and lifestyle needs.
- Versatile Reward Redemption: The award miles earned can be redeemed for a wide range of rewards, from flight bookings with Star Alliance partners like Lufthansa and Singapore Airlines to hotel reservations and car rentals.
- Financial Flexibility: The card’s auto bill payment feature simplifies utility bill management, ensuring timely payments and reducing the risk of penalties.
- Robust Security Benefits: The EMV chip and PIN technology, coupled with ‘Total Protect’ insurance, safeguards cardholders against fraudulent transactions and travel-related mishaps.
- Access to Star Alliance Network: As part of the Miles & More program, the card connects users to the Star Alliance network, including major airlines like United Airlines, Air Canada, and Air China.
- Lifestyle and Loan Perks: Beyond travel, the card offers lifestyle benefits like dining discounts and preferred loan rates on Axis Bank products.
Axis Bank Miles & More World Credit Card FAQs
What are the key benefits of the card?
The card offers unlimited award miles (6 per ₹200 for Select, 4 for World), which never expire with one miles-eligible purchase monthly after three months.
Cardholders receive welcome bonuses (15,000 miles for Select, 5,000 for World), annual bonuses (4,000 and 3,000 miles), and milestone bonuses (e.g., 36,000 miles for ₹1,00,000 monthly spends on Select).
Additional perks include Priority Pass membership, domestic lounge access (8 visits quarterly for Select, 4 for World), dining discounts (15–40%), and insurance covers (baggage loss up to ₹50,000, air accident up to ₹1 crore).
Who is eligible to apply for the card?
Applicants must be Indian residents or NRIs aged 18–70 for primary cardholders, with add-on cardholders aged 15 or older.
A minimum annual income of ₹12 lakh (salaried) or ₹15 lakh (self-employed) is required, along with a credit score of 750 or higher.
Existing Miles & More members may have an edge, but new applicants are enrolled upon approval. A clean credit history and stable employment (1 year for salaried, 2 years for self-employed) are essential.
How do I apply for the card?
Apply online via the Axis Bank website or mobile app by filling out a form with personal, employment, and financial details, uploading documents, and submitting the application.
Alternatively, visit an Axis Bank branch for in-person submission.
After a credit and KYC review (5–10 days), approved applicants pay the joining fee (₹10,000 for Select, ₹3,500 for World) and receive the card within 7–10 days.
Activate it and make a transaction within 30 days to earn welcome miles.
What are the fees and charges?
The Miles & More World Select variant has a ₹10,000 joining fee and ₹4,500 annual fee, while the World variant charges ₹3,500 for both.
These fees are waived for HON and Senator Miles & More members.
Other charges include a 3.4% monthly interest rate on unpaid balances, a 3.5% foreign currency markup, and a 2.5% over-limit penalty (minimum ₹500).
A 1% rent surcharge and 1.5% dynamic currency conversion fee apply on specific transactions.
How can I redeem my award miles?
Miles are credited to your Miles & More account and redeemed via the Miles & More India website or by calling 0008000501941 (Monday–Friday, 9 AM–6 PM; Saturday, 9 AM–1 PM).
Options include flight bookings or upgrades with Star Alliance airlines (e.g., Lufthansa, Singapore Airlines), hotel stays, car rentals, shopping at partner stores, or donations to causes like education or reforestation.
Ensure your membership number is linked to the card for seamless redemption.
What lounge access benefits are offered?
The card provides complimentary Priority Pass membership with 4 international lounge visits annually for Select and 2 for World.
Domestic lounge access includes 8 visits per quarter for Select and 4 for World at select Indian airports, subject to spending ₹50,000 quarterly.
Additional visits or guest access incur charges. This benefit enhances comfort for frequent domestic and international travelers.
What insurance coverage is included?
The card offers comprehensive insurance: baggage loss/delay (up to ₹50,000), air accident cover (up to ₹1 crore), lost card liability (up to ₹3 lakh), and credit shield (up to ₹5 lakh).
These protections cover travel disruptions, fraudulent transactions, and outstanding balances in case of unforeseen events, providing financial security for cardholders.
How does the card ensure transaction security?
The card features an EMV chip and PIN for encrypted, fraud-resistant transactions at retail outlets and ATMs.
Contactless payments are supported for quick, secure small transactions.
Online transactions require registration for ‘Verified by Visa’ or ‘MasterCard SecureCode’, adding an extra layer of protection against unauthorized use, making it safe for global travel and e-commerce.
Can I use the card for international transactions?
Yes, the card is accepted globally wherever MasterCard is supported.
International transactions incur a 3.5% foreign currency markup fee, plus a 1.5% dynamic currency conversion fee for Indian currency transactions abroad.
Miles earned on overseas spends add to the card’s appeal, but cardholders should budget for the markup to maximize cost-effectiveness.
Is the card worth the high fees?
The card’s value depends on your travel frequency and spending habits.
The ₹10,000 (Select) or ₹3,500 (World) joining fee is justified for frequent flyers leveraging unlimited miles, lounge access, and milestone bonuses.
For example, 15,000 welcome miles can cover a domestic flight, and dining discounts save up to ₹1,000 per transaction.
Infrequent travelers may find the fees steep compared to lower-cost cards like the Axis Bank Atlas Credit Card, so evaluate your usage before applying.
List of Axis Bank Miles & More Signature Credit Card Branches in Tamil Nadu
- Virudhunagar
- Paramakudi
- Ramanathapuram
- Kovilpatti
- Thoothukudi
- Jayankondam
- Ariyalur
- Alathur
- Perambalur
- Pennagaram
- Dharmapuri
- Ambattur
- Tiruvallur
- Arani
- Tiruvannamalai
- Ooty
- Nilgiris
- Ulundurpet
- Kallakurichi
- Arakkonam