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Miles & More World Select Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Axis Bank Mastercard Premium

Join / Annual

₹0/₹4500

Base Rate

3.0%

Reward Type

Points

Overview

The Miles & More World Select Credit Card is a Premium credit card issued by Axis Bank on the Mastercard network. It offers a base reward rate of 3.0% on all spends, with rewards issued as Points(1 pt = ₹1.0).

Annual Fee: ₹4,500
Eligibility: Primary cardholder must be between 18 and 70 years old, a resident of India, and have a good credit score (750+ recommended).

Reward Rates & Cashback Rules

  • CATEGORY – Other Spends: 3.0% cashback ⚠️ Applies to all spends not explicitly excluded.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Insurance: 0.0% cashback
  • CATEGORY – Utilities: 0.0% cashback
  • CATEGORY – Government Services: 0.0% cashback
  • CATEGORY – Jewellery: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback

Key Features & Benefits

  • Welcome Bonus 🎁: 15,000 Award Miles on the first transaction.
  • Annual Bonus 🎉: 4,000 Award Miles upon card renewal.
  • Airport Lounge Access ✈️: 8 complimentary domestic visits per quarter (on spending ₹50,000 in previous 3 months) and 4 complimentary international visits per year via Priority Pass.
  • Dining Discounts 🍽️: Up to 40% off (max ₹1,000) at partner restaurants via the EazyDiner program.
  • Non-Expiring Miles ⏳: Award miles do not expire as long as you hold the card and make at least one eligible transaction per month.

Eligibility Criteria

Primary cardholder must be between 18 and 70 years old, a resident of India, and have a good credit score (750+ recommended).

Features & Benefits

🎁

Welcome Bonus

15,000 Award Miles on the first transaction.

🎉

Annual Bonus

4,000 Award Miles upon card renewal.

✈️

Airport Lounge Access

8 complimentary domestic visits per quarter (on spending ₹50,000 in previous 3 months) and 4 complimentary international visits per year via Priority Pass.

🍽️

Dining Discounts

Up to 40% off (max ₹1,000) at partner restaurants via the EazyDiner program.

⏳

Non-Expiring Miles

Award miles do not expire as long as you hold the card and make at least one eligible transaction per month.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

All Other Spends
Reward: 3.0%
⚠️ Exceptions: Applies to all spends not explicitly excluded.
3%
Fuel Exclusion
Wallet Load Exclusion
Rent Exclusion
Insurance Exclusion
Utilities Exclusion
Government Services Exclusion
Jewelry Exclusion
EMI Exclusion

Value Chart

Assuming basic spends for Miles & More World Select Credit Card

Category Miles & More World Select Credit Card Axis Bank Magnus Credit Card Axis Bank Select Credit Card Axis Bank Horizon Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹4500 ₹12500 ₹3000 ₹3000
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		3.0% 6.0% 5.0% 2.0%
★
Known Rules 		9 rules 8 rules 11 rules 11 rules

Pros & Cons

✓

Pros

  • + All Other Spends — 3.0% Points
  • + Welcome Bonus
  • + Annual Bonus
  • + Airport Lounge Access
  • + Dining Discounts
✗

Cons

  • − No reward on Fuel
  • − No reward on Wallet Load
  • − No reward on Rent
  • − No reward on Insurance
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹9000

Annual Fee

₹4500

Net Value

+₹4500

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › High spenders who can offset the annual fee through rewards
  • › Frequent flyers who value unlimited airport lounge access
  • › Travellers who use hotel & lifestyle benefits regularly

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The joining fee is ₹10,000 + GST, and the annual renewal fee is ₹4,500 + GST from the second year onwards.

You earn 6 Award Miles for every ₹200 spent on all eligible transactions, which is equivalent to 3 miles per ₹100.

Yes, it provides 8 domestic lounge visits per quarter (subject to spend criteria) and 4 international lounge visits per year via Priority Pass.

Yes, spends on fuel, wallet loads, rent, insurance, utilities, government services, gold/jewelry, and EMI transactions are not eligible for earning miles.

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