Deutsche Bank Miles & More Signature
CancelThree Lufthansa miles per hundred rupees, posted to your account every month.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹13,000 a month
At ₹13,000 a month — ₹1,56,000 a year — on the everyday mix this card returns ₹4,700 gross (earn ₹4,700) against its ₹4,500 fee = ₹200 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · why it ranks #921
Why #921 THREE Lufthansa miles per ₹100, credited straight into Miles & More every month with no transfer step — the strongest airline earn any Indian card has carried, and it was withdrawn in 2011 when Deutsche sold its card book to IndusInd. Carried for the record.
Miles & More houses at ₹1.00, so 3 award miles per ₹100 is a flat 3%. There is no transfer haircut to bake into `base`: Deutsche credited the miles to the cardholder's Miles & More account directly each month rather than issuing a bank currency that had to be converted.
The take
Three award miles per ₹100 was a formidable airline accrual for 2010 and hardly anyone remembers it existed. It was not the highest this board has ever recorded — icici-british- airways-premium paid 4 Avios per ₹100, sbi-air-india-signature 3.2, and SBI's KrisFlyer APEX pays 3.3 into KrisFlyer today — but nothing else moved miles into Miles & More faster until Axis matched the rate. Deutsche Bank's Miles & More Signature paid three Lufthansa award miles for every ₹100 of spend — on anything, the page is explicit: "Fly, shop, eat out, rent cars, fuel up, party the night away or buy groceries" — and then did the thing that separates a co-brand from a transfer card. The miles did not sit in a bank currency waiting for you to move them. They appeared on your card statement and were "automatically transferred to your Miles & More account every month". No transfer ratio, no minimum block, no conversion window, no haircut. At the house value of ₹1 a mile that is a flat 3%. India does have that rate into this programme again: Axis Bank's Miles & More Select earns 3% straight into Miles & More and is open today, with axis-miles-and-more the 2% rung below it. What Deutsche had that Axis does not is the monthly automatic post with no bank currency in between at all. The card came with automatic and free Miles & More membership, ₹50 lakh of personal insurance, a 24-hour concierge that would book flights and hotels and send a gift anywhere in the world, and the era's fuel-surcharge waiver between ₹400 and ₹4,000. It also killed mile expiry outright, on conditions Deutsche printed plainly: hold the card three months and make at least one miles-earning purchase a month, and your award miles never expire — including miles earned flying, which is the part that mattered. Two things to weigh against it. The accrual was capped in miles, not rupees: 90,000 award miles in any twelve months, after which the card earned nothing until the clock reset — that binds at ₹30 lakh of annual spend. And the lounge story is thinner than the Priority Pass logo suggests: membership was included, but visits were charged, and the only way to soften that was Travel Plus, a separate programme costing ₹3,000 a year that waived $27 on up to ten visits outside India. A Priority Pass you pay to use is not lounge access.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹4,500/yr at stake · 5 spend bands
The charge ₹7,500 joining, then ₹4,500/yr
Break-even ₹13,000 a month — ₹1,56,000 a year — is where this card's value crosses its fee.
At your spend
₹4,500 a year, net of the fee, at ₹3,00,000 of annual spend
₹13,500 a year, net of the fee, at ₹6,00,000 of annual spend
₹31,500 a year, net of the fee, at ₹12,00,000 of annual spend
₹85,500 a year, net of the fee, at ₹36,00,000 of annual spend
₹85,500 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Deutsche Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton a program these points reach
- 25 Aug 2026 Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite Plus a program these points reach
- 27 May 2026 Miles & More adds Business Light award tariffs 12% cheaper a program these points reach
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 3 Lufthansa award miles per ₹100 on all spend — a flat 3% at the house value
- Miles posted to your Miles & More account automatically every month: no transfer step, no ratio, no haircut
- Automatic and free Miles & More membership, the frequent-flyer programme of Lufthansa and eight other airlines
- Award miles never expired while you held the card and made one earning purchase a month
- ₹50 lakh of complimentary personal insurance cover, and a 24-hour concierge for flights, hotels and gifting
- Fuel surcharge waived on every transaction between ₹400 and ₹4,000 at any Indian pump
Watch out
- WITHDRAWN — Deutsche Bank sold its Indian retail and credit-card business to IndusInd Bank in 2011, and this page describes the Deutsche-era card only
- THE CO-BRAND DID NOT DIE IN 2011 — IndusInd re-issued it under its own name at exactly these prices, priced it in its own bank-wide MITC in 2011 and again in October 2012, and ran its own four-month acquisition campaign on it; that successor is a separate file, indusind-miles-more-signature
- The earn was CAPPED at 90,000 award miles per rolling twelve months — about ₹30 lakh of spend — after which the card paid nothing until the clock reset
- Priority Pass membership was included but VISITS WERE CHARGED: softening that needed Travel Plus, a separate ₹3,000-a-year programme that waived $27 on up to ten visits outside India
- ₹7,500 to join and ₹4,500 a year, and Deutsche set the renewal fee by your Miles & More status level at renewal time
- Revolving cost was 3.83% a month — an APR of 46% — on the last published schedule
- Foreign currency was charged at 3.5%, the full Indian norm, on a card sold to international flyers
- The no-expiry feature was for the primary cardholder only and reverted if the card was cancelled or ran an unpaid balance
What these points actually fly
You hold this — the numbers below are your own points.
Deutsche Bank Miles & More Signature earns Lufthansa Miles & More outright — no transfer, no ratio to lose on the way. The cheapest verified seat we hold in each cabin:
- Mumbai → Singapore Economy 21,000 Lufthansa Miles & More the play
- Bengaluru → Singapore Business 37,500 Lufthansa Miles & More the play
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. Deutsche Bank sold its Indian retail banking and credit-card business to IndusInd Bank in 2011 and deutschebank.co.in no longer serves a credit-card page. IndusInd kept selling the same card under its own name — see indusind-miles-more-signature — and that one is gone too. The co-brand itself did not die with them: Axis Bank carries Miles & More in India today, as axis-miles-and-more (2%) and axis-miles-and-more-select (3%), both open.
Deutsche Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 25 Aug 2026Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite Plus
- 27 May 2026Miles & More adds Business Light award tariffs 12% cheaper
- 1 Apr 2026ITA Airways joins Star Alliance as member 26
- 27 Mar 2026Miles & More raises Lufthansa award prices and surcharges
- 3 Mar 2026Discover and Air Dolomiti join Miles & More dynamic pricing
- 3 Jun 2025Miles & More goes dynamic on Lufthansa Group metal
- 1 Sept 2024SAS leaves Star Alliance for SkyTeam
Verified against Deutsche Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 4 of them, each with the day we read it
- official Deutsche Bank India's Miles & More Credit Card page (archived 22-Nov-2010) — the 3-miles-per-₹100 accrual, the monthly auto-transfer, the 90,000-mile ceiling, the no-expiry conditions and concierge
- official Deutsche Bank India's Schedule of Charges for credit cards, effective 19 April 2010 — this card at ₹7,500 to join and ₹4,500 to renew, with 3.5% on foreign currency
- official IndusInd Bank's bank-wide credit-card MITC, 2011 — the buyer's own fee table, carrying this card at Deutsche's exact ₹7,500 and ₹4,500 after the portfolio sale
- official Deutsche Bank India's own Cards shelf today — titled "Debit Cards for Every Need", it lists debit cards only and no credit card at all