Credit Card Compare

Miles & More Axis Bank World Credit Card

Data last updated 23 October 2026
44.40%
Purchase rate
₹3,500
Annual fee
5,000
Bonus points
Application

CardIQ

67Good

Good

Overall score, out of 100 · How this works

  • Airport lounge71
  • Rewards77
  • Sign-up bonus57
  • Travel64

Customer reviews

No reviews yet. Be the first to review the Miles & More Axis Bank World Credit Card.

Pros & cons

What's good

  • 5,000 bonus points to start, worth around ₹1,250 at our ₹0.25-per-point valuation.
  • The 44.4% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 45% p.a.).
  • Complimentary airport lounge access (2 visits a year).
  • Earns 4 points per ₹1 on ATO and government payments, the same rate as everyday spend.
  • No fee to add an additional cardholder.

Worth noting

  • Joining fee ₹3,500 + GST in year 1; annual fee ₹3,500 + GST from year 2. GST (tax) is additional. Joining and annual fees waived for HON and Senator Status Miles & More members. The ₹3,500 annual fee is still toward the top of the market (the median is ₹750).

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Signature
Card type
Mastercard
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Miles & More

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
Not specified
Residency
Resident of India or Non-Resident Indian
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
44.40% p.a.
Purchases
44.40% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹3,500 p.a.
Annual fee (year 2+)
₹3,500 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Not published
Minimum repayment
Minimum Amount Due (MAD) as stated in statement

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
None
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
Miles never expire while the card is in use and at least 1 miles-related purchase is made every month.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
5,000 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Purchase rate44.40%Top 10% (3rd of 49 cards)
Overseas fee3.50%Better than most (14th of 49 cards)
Sign-up bonus₹1,250Middle of the market (11th of 22 cards)
Annual fee₹3,500 a yearNot as good as most cards (42nd of 49 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

Compare side by side

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Questions and answers

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Sources

Credit Card Compare
How CardIQ scores cards
Issuer
Axis Bank