The Avianca LifeMiles Card (Cardless/First Electronic Bank) is a personal credit card from Avianca LifeMiles Card (Cardless/First Electronic Bank). The annual fee is $0. Application rules: Family Rules: Only 1 card per family (LATAM, Qatar, etc.) at a time. 60-day velocity: Only 1 approval per 60 days. Must wait 45 days after decline before reapplying.. Earn LifeMiles on every purchase. No annual fee. No foreign transaction fee. Issued by First Electronic Bank via Cardless platform. American Express network.