{
  "id": "axis-miles-and-more-credit-card",
  "locale": "hi",
  "name": "Miles and More Axis Bank Credit Card",
  "bank": "Axis Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹3,500 + GST",
  "loungeAccess": "8 घरेलू लाउंज / वर्ष (₹50k तिमाही खर्च शर्त)",
  "rewardsRate": "प्रति ₹200 पर 4 अवार्ड माइल्स (2%–4%) · लुफ्थांसा पर 20 माइल्स · 5,000 वेलकम माइल्स",
  "bestFor": "लुफ्थांसा यात्री, स्टार अलायंस उड़ानें, यूरोप यात्रा और गैर-समाप्त होने वाले एयरलाइन माइल्स",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/miles-more-credit-card",
  "aiVerdict": {
    "score": 4,
    "summary": "Its modest reward rate offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹3500) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 2,
  "affiliateId": "axis-miles-and-more-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Axis Bank — Miles & More Credit Card schedule of charges",
    "Lufthansa Miles & More & Axis Bank — Award miles and Star Alliance redemption terms"
  ],
  "feeWaiver": "₹4,00,000 वार्षिक खर्च पर शुल्क माफ (3,000 वार्षिक रिन्यूअल माइल्स)",
  "networks": [
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "वेलकम माइल्स",
      "value": "5,000 Miles & More"
    },
    {
      "key": "सामान्य खर्च",
      "value": "4 माइल्स / ₹200 (2%–4%)"
    },
    {
      "key": "लुफ्थांसा फ्लाइट्स",
      "value": "20 माइल्स / ₹200 (10%)"
    },
    {
      "key": "माइल्स वैधता",
      "value": "कार्ड के साथ कभी समाप्त नहीं"
    },
    {
      "key": "घरेलू लाउंज",
      "value": "8 विज़िट / वर्ष (2/तिमाही)"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹3,500 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Lufthansa फ्लाइट टिकट बुकिंग",
      "rate": "10.0% (20 Miles / ₹200)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "10,000 Miles (₹10,000–₹15,000 टिकट मूल्य)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "2.0%–4.0% (4 Miles / ₹200)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "2,000 Miles (₹2,000–₹3,000 टिकट मूल्य)"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 Miles"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Lufthansa फ्लाइट्स",
      "multiplier": "5×",
      "rate": "10.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "lufthansa.com पर प्रति ₹200 खर्च पर 20 माइल्स।"
    },
    {
      "channel": "सामान्य रिटेल खर्च",
      "multiplier": "Base",
      "rate": "2.0%–4.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "प्रति ₹200 खर्च पर 4 माइल्स।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "स्टार अलायंस अवार्ड फ्लाइट टिकट्स",
      "value": "₹1.00–₹1.50 / Mile",
      "minPoints": "7,500 माइल्स",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "फ्लाइट अपग्रेड (इकोनॉमी से बिजनेस)",
      "value": "₹1.20–₹2.00 / Mile",
      "minPoints": "10,000 माइल्स",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य"
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खरीद (सरचार्ज माफी लागू)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹3,500 + GST (5,000 Miles & More वेलकम माइल्स)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹3,500 + GST (₹4,00,000 खर्च पर माफ; 3,000 रिन्यूअल माइल्स)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.6% प्रति माह (43.2% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 65 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹50,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹6.0 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}