Question 1

What is the annual fee on the Miles and More Axis Bank Credit Card and how do you get it waived?

Accepted Answer

The Miles and More Axis Bank Credit Card charges ₹3,500 plus GST as a joining fee and the same ₹3,500 again at renewal. There is no spend based waiver on this card, so the ₹3,500 is a fixed yearly cost you pay regardless of how much you spend.

Question 2

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

Accepted Answer

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.

Question 3

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

Accepted Answer

The Miles and More Axis Bank Credit Card charges ₹3,500 plus GST as a joining fee and the same ₹3,500 again at renewal. There is no spend based waiver on this card, so the ₹3,500 is a fixed yearly cost you pay regardless of how much you spend.

Question 4

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

Accepted Answer

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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