{
  "id": "axis-miles-and-more-credit-card",
  "locale": "hinglish",
  "name": "Miles and More Axis Bank Credit Card",
  "bank": "Axis Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹3,500 + GST",
  "loungeAccess": "8 Domestic Lounges / year (2/qtr on ₹50k spend)",
  "rewardsRate": "4 Award Miles / ₹200 (2%–4%) · 20 Miles on Lufthansa · 5,000 Welcome Miles",
  "bestFor": "Lufthansa flyers, Star Alliance travelers, European travel & non-expiring airline miles",
  "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 annual spend pe fee waived (3,000 renewal miles)",
  "networks": [
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Welcome Miles",
      "value": "5,000 Miles & More"
    },
    {
      "key": "General Spends",
      "value": "4 Miles / ₹200 (2%–4%)"
    },
    {
      "key": "Lufthansa Flights",
      "value": "20 Miles / ₹200 (10%)"
    },
    {
      "key": "Mile Expiry",
      "value": "Never Expire with Card"
    },
    {
      "key": "Domestic Lounge",
      "value": "8 visits / year (2/qtr)"
    },
    {
      "key": "Annual Fee",
      "value": "₹3,500 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Lufthansa Flight Ticket Bookings",
      "rate": "10.0% (20 Miles / ₹200)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "10,000 Miles (₹10,000–₹15,000 ticket value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "2.0%–4.0% (4 Miles / ₹200)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Miles (₹2,000–₹3,000 ticket value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Miles"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Lufthansa Flights",
      "multiplier": "5×",
      "rate": "10.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "lufthansa.com pe 20 Miles per ₹200 spent."
    },
    {
      "channel": "General Retail",
      "multiplier": "Base",
      "rate": "2.0%–4.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "4 Miles per ₹200 spent."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Star Alliance Award Flight Tickets",
      "value": "₹1.00–₹1.50 / Mile",
      "minPoints": "7,500 miles",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Flight Upgrades (Economy to Business)",
      "value": "₹1.20–₹2.00 / Mile",
      "minPoints": "10,000 miles",
      "ceiling": "None",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹4,000).",
    "Wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹3,500 + GST (5,000 Miles & More welcome award miles)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹3,500 + GST (Waived at ₹4,00,000 spend; 3,000 renewal miles)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.6% / month (43.2% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹50,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹6.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}