All cards / Axis Bank
Axis Bank Miles & More Credit Card
Axis's card for the Star Alliance/Lufthansa crowd — miles land directly in your Miles & More frequent flyer account rather than a bank-specific pool, so they're immediately usable for award flights and upgrades across the alliance. A 4% accelerated rate on travel, a reduced 2% forex markup and 16+2 lounge visits a year justify the ₹3,500 fee, but only if you actually fly Star Alliance carriers regularly.
Annual fee
₹3,500
Joining fee
₹3,500
Reward type
miles
Base reward rate
2%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel. It's worth the annual fee mainly if your miles value clears it.
Rewards & benefits
- Rewards rate: 2% base rate
- Travel: Miles post directly to Lufthansa Miles & More, usable for award flights/upgrades across 26+ Star Alliance carriers
- Domestic lounge access: 16 complimentary domestic airport lounge visits per year
- International lounge access: 2 complimentary international airport lounge visits per year
Benefits by category
- ✈️ Travel
4% reward rate · 16 complimentary domestic and 2 international airport lounge visits per year, a generous allotment even among premium travel cards
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹60,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Rewards redemption fee: No fee — miles post directly to the Lufthansa Miles & More account
- Foreign currency markup: 2%
- Interest rate: 40.8% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver at fuel stations across India, capped at ₹400 per statement cycle
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
Benefits
- Miles credited directly to your Lufthansa Miles & More frequent flyer account rather than an Axis-specific pool, usable for award flights and upgrades across all 26+ Star Alliance carriers
- 16 complimentary domestic and 2 international airport lounge visits per year, a generous allotment even among premium travel cards
- 3,000 bonus miles credited automatically on payment of the renewal fee each year, partially offsetting the ₹3,500 cost
Pros
- + Miles post directly to Lufthansa Miles & More, usable across the full Star Alliance network
- + 16 domestic + 2 international lounge visits a year, generous for the fee level
- + Reduced 2% forex markup, among the lowest on this list
- + 4% accelerated reward rate on travel category spend
- + 3,000 bonus miles on renewal partially offset the annual fee
Cons
- − Value is niche — only genuinely useful to Star Alliance/Lufthansa flyers
- − No spend-based fee waiver, so the ₹3,500 cost recurs every year regardless
- − High eligibility bar with a ₹60,000/month income requirement
- − Miles-only reward currency has no cashback or flexible-redemption fallback
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