What is the reward rate on the Miles and More Axis Bank Credit Card?

Axis Bank publishes the earn rate for this card by category rather than as a single number, and the rate has moved more than once. Pull the current rate from your latest statement rather than the brochure, then multiply it by your monthly spend in that category. That number, minus the fee, is the only figure that matters.

Does the Miles and More Axis Bank Credit Card give free airport lounge access?

The Miles and More Axis Bank Credit Card gives 4 complimentary domestic lounge visits a year, usually capped at 1 per quarter. International lounge visits are capped at 2 a year. There is no prior spend requirement on paper, though Axis Bank has been moving cards to spend linked access, so confirm before you rely on it at the airport.

What changed on the Miles and More Axis Bank Credit Card recently and is it still worth it in 2026?

No card specific cut has been announced, though Axis Bank has been trimming rewards across its portfolio. At ₹3L of yearly spend the card returns roughly ₹6,000 at its general rate of about 2%, against a ₹3,500 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

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Card Details

5353 1353 9503 8859

Miles and More Axis Bank Credit Card

AXISMASTERCARD

Monzy Score

4/ 10

Weak for lounge-hungry travellers.

~2.0% back on top spends; high 3.5% forex markup.

Card Issuer

Axis Bank

Joining Fee

₹3,500

Annual Fee

₹3,500

Reward Type

Miles

Card Access

Standard

Changes to this card

27 Aug 2026
Official product page updated.

Offers from Axis Bank

See all

8% instant discount up to ₹4,500* on Flipkart
Shopping Deals · till 12 Sep 2026
Up to 12% instant discount up to ₹5,000 on Paytm Flights
Travel Deals · till 15 Sep 2026
Up to 12% instant discount up to ₹5,000 on ixigo
Travel Deals · till 15 Sep 2026
Up to 12% instant discount up to ₹5,000 on Yatra
Travel Deals · till 15 Sep 2026
Get instant discount up to ₹15,000* at Apple authorised reseller stores
Electronics Deals · till 26 Sep 2026

Earn Points

15,000

pts as welcome bonus miles on first transaction

Miles/₹100 on Lufthansa

Benefits

Travel

Unlimited and never-expiring miles

Earn generous welcome miles that never expire
Up to 15,000 bonus welcome miles
Miles earned through the card never expire

Flights

Auto-transfer Earned Miles to Miles & More

Priority Pass lounge access
Priority Pass provided with the card
Complimentary lounge visits mentioned
Number of complimentary visits not specified

Fuel

1% Fuel Surcharge Waiver Nationwide

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: rent, government, insurance, utilities, jewellery

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

All eligible spends (base)

4 miles/200

₹300

Total Annual Return

₹3,600

1% Effective ROI

What Users Are Saying

Community Feed

Jul 2024

Miles and More Axis Bank Credit Card

Changes to this card

Offers from Axis Bank

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

Miles and More Axis Bank Credit Card

Changes to this card

Offers from Axis Bank

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

Miles and More Axis Bank Credit Card

Changes to this card

Offers from Axis Bank

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind