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Last updated: 9 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
6 Award Miles per ₹200 spent
Earn 6 Award Miles per ₹200 spent on all eligible purchases. No Award Miles will be earned on rent, government institutions, insurance, utilities, and gold/jewelry transactions. Award Miles never expire as long as you make at least one miles-related purchase every month.
Redeem for
The privileges that come bundled in, beyond the reward points.
Lounge Access: 8 complimentary domestic airport lounge visits per quarter (subject to spending ₹50,000 in the previous 3 calendar months)
International Lounge: Complimentary Priority Pass membership with 4 free international lounge visits per year
Annual Renewal Bonus: 4,000 Award Miles added every year upon payment of the renewal fee
Fuel Surcharge Waiver: 1% waiver at all fuel stations across India for transactions between ₹400 and ₹4,000
Insurance: Comprehensive travel insurance including air accident cover and purchase protection.
An honest read on where this card earns its keep — and where it doesn't.
Massive 15,000 miles welcome bonus provides excellent upfront value against the high joining fee
Award miles never expire as long as you make at least one miles-related purchase every month
Excellent lounge access with 8 domestic visits per quarter and 4 international visits per year
High reward rate of 6 miles per ₹200 makes it highly rewarding for Star Alliance frequent flyers
Very steep initial joining fee of ₹10,000 + GST
Foreign currency markup was increased to 3.5%, which is a significant drawback for a premium travel card
Extremely high APR of 55.55% annually makes carrying a balance very expensive
No spend-based waiver target available for the ₹4,500 annual renewal fee
Domestic lounge access now requires a strict ₹50,000 quarterly spend hurdle
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Axis Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Axis Bank Miles & More World Select Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Axis Bank Miles & More World Select Credit Card fees, reward conversion, lounge access, and application eligibility.
Axis Bank Miles & More World Select Credit Card has an annual fee of ₹4,500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Earn 15,000 Bonus Welcome Miles on making your first transaction within 30 days of card issuance.".
Axis Bank Miles & More World Select Credit Card earns Award Miles at a primary rate of 6 Award Miles per ₹200 spent. Specifically, Earn 6 Award Miles per ₹200 spent on all eligible purchases. No Award Miles will be earned on rent, government institutions, insurance, utilities, and gold/jewelry transactions. Award Miles never expire as long as you make at least one miles-related purchase every month.. Spends in Travel, Premium, Air Miles categories provide the maximum valueback per transaction on this card.
Rewards earned on Axis Bank Miles & More World Select Credit Card can be redeemed for Flight bookings and upgrades via Miles & More (Star Alliance partners), Hotel reservations and car rentals, Shopping at partner brands via Axis Bank's official rewards portal or mobile banking app. Points typically carry a multi-year validity period, though regular redemption against high-value vouchers or statement balances is advised.
Yes, Axis Bank Miles & More World Select Credit Card features complimentary airport lounge privileges. Privileges include: "Lounge Access: 8 complimentary domestic airport lounge visits per quarter (subject to spending ₹50". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of Axis Bank Miles & More World Select Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Axis Bank Miles & More World Select Credit Card is issued on the MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Axis Bank Miles & More World Select Credit Card levies a forex markup fee of 3.5% of the transaction amount on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Axis Bank Miles & More World Select Credit Card currently features a welcome offer: "Earn 15,000 Bonus Welcome Miles on making your first transaction within 30 days of card issuance.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Massive 15 and 000 miles welcome bonus provides excellent upfront value against the high joining fee. However, keep in mind that Very steep initial joining fee of ₹10 and 000 + GST. Overall, Axis Bank Miles & More World Select Credit Card delivers strong value if your regular spending aligns with Travel, Premium, Air Miles.
Yes, Axis Bank Miles & More World Select Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Surcharge Waiver: 1% waiver at all fuel stations across India for transactions between ₹400 and ₹4). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
