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Features of Axis Bank Miles & More World Credit Card

  • 1. Reward Miles Structure:
    • Regular Transactions: Earn 4 award miles for every ₹200 spent on eligible transactions, excluding fuel, EMI, and cash withdrawals.
    • Welcome Bonus: Receive 5,000 award miles upon completing the first transaction within 30 days of card issuance.
    • Annual Renewal Bonus: Get 3,000 award miles credited every year on card renewal.
    • Loyalty Program: Award miles are credited under the Lufthansa Miles & More program and can be redeemed with Star Alliance airlines and partners.
  • 2. Complimentary Lounge Access:
    • Domestic Lounges: Enjoy 4 complimentary lounge visits per quarter at select Indian airports under the Mastercard Lounge Access program.
    • International Lounges: Access 2 free international lounge visits per year via a complimentary Priority Pass membership.
    • Exclusive Access: Lounge benefits are exclusive to the primary cardholder and offer amenities such as Wi-Fi, refreshments, and relaxation areas.
Axis Bank Gold Credit Card
    • 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.
Axis Gold Credit Card Benefits

Benefits of the Axis Bank Miles & More World Credit Card

  • Never-Expiring Award Miles:
    One of the standout benefits of the Axis Bank Miles & More World Credit Card is that award miles never expire, provided the cardholder remains active for at least three months and makes one miles-related purchase monthly. This ensures that your hard-earned award miles remain available for future redemptions, whether for flights, hotel stays, or other rewards. Unlike other travel credit cards where points may lapse, this feature maximizes long-term value for consistent users.
  • Significant Welcome and Annual Bonuses:
    The card offers a generous welcome bonus of 5,000 award miles upon the first transaction within 30 days, providing an immediate incentive for new cardholders. Additionally, an annual bonus of 3,000 award miles is credited upon renewal, ensuring ongoing rewards without additional spending requirements. These bonuses can significantly offset the card’s annual fee of ₹3,500, making it a cost-effective choice for frequent travelers.
      • 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.
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How to Apply for Axis Bank Gold Credit Card

  • 1. Online Application via Axis Bank Website
    • Visit the Axis Bank official website and navigate to the 'Credit Cards' section
    • Select the Gold Credit Card and click "Apply Now"
    • Enter personal details, verify with OTP, and fill the application form
    • Upload required documents (PAN, Aadhaar, income proof)
    • Submit application and note the reference number for tracking
  • 2. Application via Axis Mobile App
    • Download and install the Axis Mobile App
    • Log in using net banking credentials or register as new user
    • Navigate to 'Credit Cards' and select 'Apply for New Credit Card'
    • Complete the application with personal and financial details
    • Submit documents digitally and track application status
  • 3. Offline Application at Axis Bank Branch
    • Locate the nearest Axis Bank branch
    • Request and fill out the physical application form
    • Submit self-attested copies of KYC documents and income proof
    • Bank representative will verify details and process application
  • 4. Application for Existing Customers
    • Log in to Axis Bank net banking
    • Navigate to 'Credit Cards' section and select 'Apply Now'
    • Pre-filled details will appear based on your existing account
    • Upload any additional required documents
    • Submit application and receive confirmation
  • 5. Application via Phone Banking
    • Call Axis Bank customer care helpline
    • Request assistance to apply for the Gold Credit Card
    • Provide necessary personal and financial details over the phone
    • Receive guidance on document submission and application status

Eligibility Criteria for Axis Bank Miles & More World Credit Card

  • 1. Age Requirements
    • Primary Cardholder: Must be between 18 and 70 years old
    • Add-on Cardholder: Must be at least 15 years old
  • 2. Residential Status
    • Available for Resident Indians and NRIs
    • NRIs need to provide proof of overseas employment and residential status
  • 3. Income Requirements
    • Salaried Individuals: Typically minimum annual income of ₹6 lakh or more (subject to credit profile)
    • Self-Employed Individuals: Should demonstrate comparable stable income via ITR or audited financial statements
    • Proof of income required (salary slips, ITR, bank statements, etc.)
  • 4. Credit History and Score
    • Preferred CIBIL score of 750 or above
    • Good repayment history and low credit utilization ratio recommended
    • Debt-to-Income ratio is considered for assessing repayment capacity
    • Applicants with limited credit history may face higher scrutiny
  • 5. Employment Status
    • Salaried Applicants: Minimum 1 year of stable employment preferred
    • Self-Employed Applicants: Business operational for at least 2 years with stable income
    • Proof of employment/business income is mandatory
  • 6. Existing Banking Relationship
    • Existing Axis Bank customers may benefit from faster processing and relaxed criteria
  • 7. Additional Considerations
    • Axis Bank reserves the right to approve or decline applications based on internal risk policies
    • Existing Miles & More members can strengthen applications by submitting membership statements
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Documents Required for Axis Bank Miles & More World Credit Card

  • Identity Proof:
    • PAN Card (mandatory for all applicants)
    • Aadhaar Card (ensure updated with current details)
    • Passport (especially for NRIs and frequent travelers)
    • Voter ID Card (with photograph and name)
    • Driving License (with photograph and signature)
  • Address Proof:
    • Aadhaar Card (if linked to current address)
    • Recent Utility Bills (electricity, water, telephone – not older than 3 months)
    • Rental Agreement (if applicable and registered)
    • Passport (valid for NRIs and residents)
    • Ration Card (with current address)
  • Income Proof:
    • Salaried Individuals:
      • Last 3 months’ salary slips
      • Latest Form 16 or Income Tax Return (ITR) copy
      • Employment offer letter or appointment letter (if requested)
      • Bank statements showing salary credits
    • Self-Employed Individuals:
      • Income Tax Returns (ITR) for last 2 years with computation of income
      • Audited financial statements or profit & loss statement
      • Bank statements for last 6 months
      • Business registration or trade license
      • GST returns (if applicable)
  • Photograph:
    • Recent passport-size color photograph (clear, plain background)
  • Additional Documents for Existing Miles & More Members:
    • Miles & More Membership Statement (latest, not older than 2 months)
    • Credit Card Statement from previous Miles & More Credit Card (if applicable, not older than 2 months)

Factors Affecting the Axis Bank Miles & More World Credit Card

  • Annual and Joining Fees: The joining and annual fee is ₹3,500 plus GST. Though it may seem significant, the welcome bonus of 5,000 award miles and an annual bonus of 3,000 award miles can offset this cost for frequent users. Cardholders with HON or Senator status enjoy fee waivers, making it attractive for elite members. Evaluating whether the rewards justify the fees is important before applying.
  • Eligibility Criteria: Applicants must be aged between 18 and 70 years; add-on cardholders must be at least 15 years old. A good credit score (usually 750+) and stable income are essential. Existing Miles & More members need to provide recent membership proof. NRIs are eligible but must provide PAN, income, and residence proof.
  • Reward Earning Limitations: The card offers 4 award miles per ₹200 spent. However, some transactions such as fuel, EMI payments, cash withdrawals, insurance, and government spends do not earn miles. Understanding eligible spend categories ensures alignment with your spending habits.
  • Redemption Process Complexity: Redeeming miles requires navigating the Miles & More India website or contacting customer service. The process involves quoting your membership number and booking via partner platforms, which some users find cumbersome. Comfort with online loyalty programs is a factor.
  • Lounge Access Restrictions: The card provides 4 domestic lounge visits per quarter and 2 international Priority Pass visits annually for the primary cardholder only. Guests and add-on cardholders are excluded. Extra visits incur charges, and quarterly spend criteria may apply for domestic lounges. This is significant for frequent travelers or families.
  • Foreign Transaction Fees: A 3.5% forex markup fee applies on international transactions, standard but potentially costly for frequent overseas spenders. Comparing with other travel cards with lower forex fees is advisable.
  • Spending Requirements for Mileage Expiry: To prevent mileage expiry, the card must be used for at least three months, with at least one miles-related purchase each month. Infrequent users risk losing miles, reducing long-term value.
  • Limited Non-Travel Benefits: The card focuses on travel rewards, offering limited dining discounts and concierge services compared to premium lifestyle cards. Users wanting versatile rewards across shopping or entertainment may find this limiting.

Axis Bank Miles & More World Credit Card FAQs

What is the Axis Bank Miles & More World Credit Card?
It’s a premium co-branded travel credit card in partnership with Lufthansa’s Miles & More program, designed for frequent flyers to earn miles on everyday spending.
How can I earn miles with this card?
Earn 2 miles per ₹100 spent on international transactions, 1 mile per ₹100 on domestic spends, and bonus miles on Lufthansa, SWISS, and Austrian Airlines bookings.
How do I redeem miles?
Miles can be redeemed for flight tickets, upgrades, hotel stays, and car rentals via the Miles & More loyalty program.
Is there a joining fee or annual fee?
Joining fee: ₹3,000 + GST (waived if annual spends exceed ₹3 Lakhs). Annual fee: ₹3,000 + GST (waived on spending ₹3 Lakhs in the previous year).
What are the travel benefits of this card?
Complimentary Lufthansa Silver Tier status after spending ₹5 Lakhs in a year, discounts on Lufthansa group flights, and lounge access via Priority Pass (4 free visits per year).
Does this card offer airport lounge access?
Yes, 4 complimentary Priority Pass lounge visits per year (unlimited access if annual spends exceed ₹5 Lakhs).
What is the fuel surcharge waiver benefit?
1% fuel surcharge waiver at Indian petrol pumps (capped at ₹500 per month).
Are there any foreign currency markup fees?
Yes, 2% forex markup fee applies on international transactions.
What is the credit limit for this card?
The limit varies based on income, credit score, and Axis Bank’s internal policies (typically starts at ₹1 Lakh+ for premium cards).
How can I apply for this card?
Apply via Axis Bank’s website, branch, or through the Miles & More program. Eligibility includes a good credit score (750+) and a minimum income requirement (usually ₹6–8 LPA+).

List of Axis Bank Miles & More World Credit Card Branches in Hyderabad

  • Abids
  • Adityanagar
  • Alwal
  • Ameerpet
  • Anandbagh
  • Kukatpally
  • Attapur
  • Bachupally
  • Balanagar
  • Banjara Hills
  • Barkatpura
  • Kukatpally
  • Begumpet
  • Bowenpally
  • Champapet
  • Chandanagar
  • Charminar
  • Chikkadpally
  • Chintal
  • Dilsukhnagar
  • Domalguda
  • Dr. A.S. Rao Nagar