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Verified by CardAgent admin · last checked 08 Jul 2026
Axis Bank

Axis Miles & More World Select Credit Card

59
Ranked #14 of 170 in credit
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Axis Bank's premium Star Alliance co-branded travel card (Lufthansa Miles & More program) offering exceptional domestic lounge access (32 visits/yr) and internationally redeemable miles, positioned above the Miles & More World variant.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value64/100 · weight 71%
≈ 3.00% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
No rewards on: government, rent, utilities, insurance. Reward score is scaled by ×(1 − 3.6%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency41/100 · weight 12%
Redemption flexibility60/100 · weight 9%
Perks52/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹10,000 + 18% GST
= ₹11,800 total
Annual fee
₹10,000 + 18% GST
= ₹11,800 / year total
Waiver: No standard spend-based waiver identified for annual fee
Forex markup
3.5%

Lounge access

Domestic (per year)
32
International (per year)
4

Reward structure

CategoryTypeRateCapNotes
all_spendsmiles3.00%(3 mi @ ₹1.00)—6 Award Miles per Rs200 spent = 3% base rate; value depends heavily on redemption (flight upgrades highest value)
travelmiles1.50%(3 mi @ ₹0.50)——
fuelmiles0.50%(1 mi @ ₹0.50)——
online_spendsmiles0.50%(1 mi @ ₹0.50)——
diningmiles0.50%(1 mi @ ₹0.50)——
groceriesmiles0.50%(1 mi @ ₹0.50)——

Welcome offer

15,000 Award Miles on first transaction (some sources: within 30 days)

Milestone benefits

Pros

  • Best-in-class domestic lounge access (32/yr, among highest in market)
  • genuine Star Alliance miles redemption (valuable for international premium cabin upgrades)
  • miles never expire with minimal activity
  • strong dining discount via EazyDiner (up to 40%)

Cons

  • High joining/annual fee (Rs10,000+GST)
  • lounge access conditional on prior-quarter spend threshold
  • miles have limited utility for non-Star-Alliance flyers
  • several everyday categories (rent/insurance/utilities/government/gold) earn zero miles

What's inside

More benefits

  • Dining Delights discount

    ₹1,000

    Up to 40% off (capped Rs1,000) at partner restaurants via EazyDiner program

    unlimited. Dine-in at partner restaurants

  • 24x7 concierge services

    Travel and hotel reservations, gift deliveries, and other lifestyle assistance

    unlimited.

Insurance cover

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Eligibility

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Age 18-70 (some sources: 21-65); Indian resident; 750+ CIBIL recommended; income ~Rs9L+ p.a. indicative

Small print

Fuel surcharge:1% waiver, Rs400-4,000 range