Card PilotOptimize Now
Axis · Mastercard

Miles & More Axis Bank Credit Card

Your Axis Credit Card awaits you!

Annual fee
₹3,500
Forex markup
3.5%
Lounges (Dom/Intl)
4 / 2
Welcome benefit
₹15,000

Is this card worth it for you?

Drag the sliders to match your spend. The number on the right updates live.

Monthly spend₹50,000
% on travel15%
% on dining10%

Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.40% travel · 0.40% dining · 0.40% base.

Net steady-state return
₹2,400 /year
0.40% effective · fee waived
Annual reward earned₹2,400
Welcome benefit (year 1)One-time₹15,000
Annual fee₹0 (waived)
Joining fee (year 1 only)−₹3,500
Strong fit at this spend.

After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.

vs ICICI Bank Sapphiro Credit Card

At ₹50,000/month with 15% travel and 10% dining.

Metric
Miles & More Axis Bank Credit Card
ICICI Bank Sapphiro Credit Card
Annual fee
₹3,500
₹3,500
Annual reward
₹2,400
₹3,000
Net /year (steady)
₹2,400
₹3,000
Forex markup
3.5%
3.5%

Tools for Miles & More Axis Bank Credit Card holders

Frequently asked

Is the Miles & More Axis Bank Credit Card worth the ₹3,500 fee?

It depends on your spend. The Miles & More Axis Bank Credit Card earns 0.4% base reward and waives the annual fee at ₹40,000 of yearly spend. Use the break-even calculator above to see your specific number.

What is the eligibility for Miles & More Axis Bank Credit Card?

Axis hasn't published a hard minimum income for Miles & More Axis Bank Credit Card. Approval depends on credit score, existing relationship, and employment type.

What is the forex markup on Miles & More Axis Bank Credit Card?

Miles & More Axis Bank Credit Card charges 3.5% forex markup on international transactions.

Verified todaylikelySource: www.axis.bank.in

Reward rates and fees are sourced from Axis's product page and may change. Always confirm with the card issuer before applying.