Is there a joining fee for this card?

Yes, the joining fee is ₹3,500 plus GST.

What is the annual fee and can it be waived?

The annual fee is ₹3,500 plus GST, waived on spends above ₹1,00,000 per year.

How many award miles do I earn per spend?

You earn 4 award miles for every ₹200 spent on the card.

Do my award miles expire?

No, the award miles earned never expire.

What airport lounge access do I get?

Get 16 complimentary domestic lounge visits yearly and 2 Priority Pass international lounge visits.

Credit Cards/Axis Bank/Axis Miles & More World Credit Card

Axis Miles & More World Credit Card

Axis Bank

Last updated: Feb 03, 2026

travelairlinehotelsshoppingdining

Annual Fee

₹3,500

Joining Fee

₹3,500

Forex Fee

3.5%

Lounge Access

18 visits/yr

The Axis Miles & More World Credit Card is designed for frequent flyers and travel enthusiasts, offering award miles on all spends, complimentary airport lounge access, and exclusive partner discounts. Enjoy seamless rewards redemption for flights, hotels, and more, with miles that never expire.

Features of Axis Miles & More World Credit Card which makes it unique

Award Miles Never Expire

Miles earned are valid for lifetime until redeemed

No miles lost over time

Advantage over standard expiry policies

Dedicated 24x7 Concierge

Exclusive concierge services for cardholders

Enhanced travel and lifestyle support

Premium customer service

Rewards Structure of Axis Miles & More World Credit Card

Award Miles

accelerated

All spends

Reward Rate:4 miles/₹200

Monthly Cap:No

Earn 4 award miles on every ₹200 spent

Milestones of Axis Miles & More World Credit Card

Annual Spend Bonus

₹1,00,000 : 3,000 award miles

Fees & Charges of Axis Miles & More World Credit Card

Fee & Amount	Fee Value
Joining Fee	₹3,500
Annual Fee	₹3,500
Forex Markup Fee	3.5%
Cash Advance Fee	2.5%
Late Payment Fee	₹600
Over Limit Fee	₹500
Returned Payment Fee	₹450
Cash Withdrawal Fee	3%

Renewal Conditions:Waived on spends above ₹1,00,000 annually

Fee Explanation Standard charges apply as per bank policy.

Detailed Explanation of Axis Miles & More World Credit Card Fees

Annual Fee: 3500 (yearly)

Waived on ₹1L annual spend

Cash Advance Fee: 2.5% (transaction)

Minimum ₹250

Lounge Access Benefits with Axis Miles & More World Credit Card

domestic Lounges

silver

Visits per year: 16

Guest access: No

Minimum quarterly spends required

international Lounges

silver

Visits per year: 2

Guest access: Yes

As per Priority Pass terms

Insurance Coverage with Axis Miles & More World Credit Card

Travel Insurance

₹10,00,000

International travel

Purchase Protection

₹50,000

Within 90 days of purchase

Additional Features of Axis Miles & More World Credit Card

Contactless Payments

Tap to pay enabled

Add-on Cards

Up to 3 free add-on cards

Welcome Bonus with Axis Miles & More World Credit Card

Welcome Bonus: 5,000 award miles
Bonus Conditions: Valid on first transaction after card activation

Application Process for Axis Miles & More World Credit Card

Processing Time

5-7 business days

Online Application

Available

Instant Approval

Not Available

Step-by-Step Process

Apply online on Axis Bank or Finanjo portal

Upload required KYC documents

Undergo verification call

Card dispatched within 7 business days

Required Documents for Axis Miles & More World Credit Card

ID Proof

All applicants

Accepted documents:

PAN Card Aadhaar Card

Address Proof

All applicants

Accepted documents:

Passport Utility Bill

Income Proof

Salaried applicants

Accepted documents:

Salary slips Form 16