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Axis Bank

Axis Miles & More World Credit Card

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Annual Fee

₹995

Reward Type

Miles

Forex

3.5%

Lounge

2 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹995
Annual Fee₹995
Min Monthly Income₹40,000

Rewards

Reward TypeMiles
Base Rate1.67%
Point Value₹1.5/point

Category Multipliers

international3.33%airlines3.33%

Redemption Values

airlines₹1.5/pt
hotel transfer₹0.5/pt

Travel & Global

Forex Markup3.5%
Domestic Lounge2 visits/yr
Intl. LoungeNone
Lounge NetworkDreamFolks

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⚖️ Breakeven Analysis

To recover the ₹995 annual fee at the base reward rate of 1.67%, you need to spend ₹59,581 annually.

🎯 Pro Tips

  • ▸1 Mile per ₹60 base — directly credited to your Miles & More account.
  • ▸2 Miles per ₹60 on international spends and Lufthansa Group flights.
  • ▸Miles transferable to Lufthansa, Swiss Air, Austrian Airlines, Brussels Airlines.
  • ▸Welcome bonus 1,000 miles on first transaction.
  • ▸Low ₹995 annual fee — easily justified by 1–2 Europe flights/year.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹35,041

Effective Rate

2.9%

Ranked #10 of 173 cards🏆 Top 10

₹995 annual fee deducted from gross rewards value.

🔄 Redemption Pathways - Value per Point

MethodValue
Lufthansa Group FlightsBEST₹1.5/Mile

🏷️ Best For

travelmilesco-brandedinternational