Best Credit Card

All Benefits

  • A Travel-focused miles card: earn unlimited never-expiring Award Miles
  • 5,000 Welcome Award Miles on your first transaction and a Priority Pass membership issued on card activation
  • Domestic and international airport lounge access
  • Weekly Wednesday Delight offers

Fees

Joining Fee Miles & More Credit Card lets you earn award miles on all eligible spends, set up automatic bill pays, etc. Apply for Miles & More credit card online at Axis Bank
₹4,130
₹3,500 + GST
Annual Fee Not Applicable
₹4,130
₹3,500 + GST

Eligibility

Age
18-70 years
Salary
₹25K / Month
Credit Score
720+

Bank Fee Structure

Forex Markup 3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR) Finance charges of 3.7% per month (55.55% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.7%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card, minimum ₹500, if applicable
2.5%
Reward Redemption No fee is charged when redeeming reward points on this card
Not Applicable
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment A surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque Payment A fee of 2% of the payment amount (minimum ₹500) is levied for cheque return
2%
Cash Payment A fee of ₹175 is levied for making credit card bill payments in cash at the branch
₹175

Late Payment Charges

Amount dueFee
₹0 - ₹500₹0
₹501 - ₹5,000₹500
₹5,001 - ₹10,000₹750
Above ₹10,000₹1200

A late payment fee is charged on a slab basis depending on the total payment due, with an additional ₹100 levied each cycle when the Minimum Amount Due is missed for two consecutive cycles until cleared

Reward Exclusions

fraud transactionsFee paymentscash withdrawals & advancesInterest chargesEMI transactionsFuelWallet loads/spendsRentInsuranceUtilitiesGovernment spendsGold & Jewellery

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
  • A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards

Full charges and terms: Bank MITC / Terms