The Avianca LifeMiles Elite Card (Cardless/First Electronic Bank) is a personal credit card from Avianca LifeMiles Elite Card (Cardless/First Electronic Bank). The annual fee is $150. Application rules: Family Rules: Only 1 card per family at a time. 60-day velocity limit. Must wait 45 days after decline.. 3x LifeMiles on Avianca flights, 2x on dining/groceries, 1x everything else. Free checked bag. Priority check-in. $150 annual fee. American Express network. Issued by First Electronic Bank.