IDFC FIRST Select Credit Card

Axis SpiceJet Voyage Credit Card

Best For

Shopping

Travel

Utility Bills

Best For

Shopping

Online Food Ordering

Travel

Cashback

APPLY AND GET700 GIFT CARD

Cashback

APPLY AND GET1750 GIFT CARD

Top Benefits

  • and Wallet Load Spends i.e. 3 reward points per ₹200 spent
  • spends i.e. 10 reward points per ₹200 spent (1 point = ₹0.25), reward points never expire

Top Benefits

  • Tier Membership with SpiceJet add-on vouchers on card issuance
  • on completing 2 transactions within 30 days of card issuance

Welcome Benefits

Welcome Benefits

  • ₹500 gift voucher from choice of brands like Amazon, Bigbasket, Uber, or Lifestyle upon spending ₹5,000 within 30 days of card generation
  • Spends are eligible on primary card only
  • Not applicable on UPI, Add-on card transactions, wallet load, or EMI converted transactions

Welcome Benefits

Welcome Benefits

  • SpiceJet voucher worth ₹1,500 on completing 2 transactions within 30 days of card issuance.
  • SpiceClub Silver membership on card issuance.

Travel Benefits

Flight Benefits

  • This card does not offer any benefits in this category

Railway Benefits

  • This card does not offer any benefits in this category

Cab Benefits

  • This card does not offer any benefits in this category

Bus Benefits

  • This card does not offer any benefits in this category

Travel Benefits

Flight Benefits

  • Earn up to 18 SpiceClub Points per ₹200 on SpiceJet mobile app and website.
  • 2,000 bonus SpiceClub Points on ₹1 lakh annual spends.
  • 3,000 bonus SpiceClub Points on ₹2 lakh annual spends.
  • 1,000 SpiceClub Points on every successful card renewal.

Railway Benefits

  • This card does not offer any benefits in this category

Cab Benefits

  • This card does not offer any benefits in this category

Bus Benefits

  • This card does not offer any benefits in this category

Lounge Benefits

Airport Lounge Benefits

  • 1 complimentary domestic airport lounge visit per quarter at select airports
  • Spend ₹20,000 in the current calendar month to unlock lounge access in the following month

Railway Lounge Benefits

  • 4 complimentary railway lounge visits per quarter at Indian railway terminals
  • Effective 20th February 2025, spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month

 

Lounge Benefits

Airport Lounge Benefits

  • 4 domestic airport lounge visits per year, subject to minimum spends of ₹50,000 in the previous quarter.

Railway Lounge Benefits

  • This card does not offer any benefits in this category

Movie Tickets

Movie Ticket Benefits

  • Buy 1 Get 1 free on movie tickets at select cinemas up to ₹125 on Paytm mobile app (valid twice per month)

Movie Tickets

Movie Ticket Benefits

  • This card does not offer any benefits in this category

Dining Benefits

Dining Benefits

  • This card does not offer any benefits in this category

Dining Benefits

Dining Benefits

  • This card does not offer any benefits in this category

Fuel Benefits

Surcharge Waiver Benefits

  • 1% Fuel Surcharge Waiver up to ₹300 per month at all fuel stations across India, on transaction values between ₹200 & ₹5000

Fuel Benefits

  • This card does not offer any benefits in this category

Fuel Benefits

Fuel Benefits

  • This card does not offer any benefits in this category

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at all fuel stations across India, capped at ₹400 per month.

Insurance

Insurance Benefits

  • Free trip cancellation cover up to ₹10,000 on flight bookings made with the card

Insurance

Insurance Benefits

  • This card does not offer any benefits in this category

Bank Offers

Bank Offers

  • This card does not offer any benefits in this category

Bank Offers

Bank Offers

  • Up to 15% off on flights and hotels via MakeMyTrip every Wednesday.
  • 10% off on Swiggy orders every Wednesday.
  • 10% off up to ₹1,000 on Tira every Wednesday.
  • Convert transactions of ₹1,500 or more into EMI.

Joining Fee

₹0

Joining Fee

₹750

Joining Fee Waiver

₹500 gift voucher from a partner brand on card issuance.

Joining Fee Waiver

SpiceJet flight e-voucher worth ₹1,500 on completing 2 eligible transactions within 30 days of card issuance.

Annual Fee

₹0

Annual Fee

₹750

Annual Fee Waiver

Not Applicable

Annual Fee Waiver

The annual fee is not waived under any spending conditions.

Minimum Age

21

Minimum Age

18

Maximum Age

60

Maximum Age

70

Income (Salaried)

12 LPA

Income (Salaried)

2.5 LPA

Income (Self-Employed)

12 LPA

Income (Self-Employed)

12 LPA

Credit Score Required

750

Credit Score Required

720

Employment Type

Salaried & Self-Employed

Employment Type

Salaried & Self-Employed

Forex Markups

1.99%

Forex Markups

3.50%

APR Fees

3.85%

APR Fees

3.75%

ATM withdrawal

₹199

ATM withdrawal

2.50%

Reward Redemption Fees

₹99

Reward Redemption Fees

Not Applicable

Link for all T&Cs

View T&C

Link for all T&Cs

View T&C

Railway Surcharge

As prescribed by IRCTC / Indian Railways

Railway Surcharge

1%

Rent Payment Fees

1%

Rent Payment Fees

1%

Cash Payment Fees

Not Applicable

Cash Payment Fees

₹175

Check Payment Fees

Not Applicable

Check Payment Fees

2%

Max Fee

8000

View Breakdown

Max Fee

750

View Breakdown

All Reversals

All Reversals

Cancelled Transactions

Cancelled Transactions

Cash Advances

Cash Advances

ATM Cash Withdrawals

ATM Cash Withdrawals

Quasi-Cash Transactions

Quasi-Cash Transactions

Money Transfers

Money Transfers

P2P Transfers

P2P Transfers

Wallet Loads

Wallet Loads

Gift Cards and Vouchers

Gift Cards and Vouchers

EMI Spends

EMI Spends

Bank Charges & Fees

Bank Charges & Fees

Late Payment Fees

Late Payment Fees

Processing Fees

Processing Fees

Financial Charges

Financial Charges

Interest Charges

Interest Charges

Payment Returned Charges

Payment Returned Charges

Service/Interest Charges

Service/Interest Charges

Transaction Charges

Transaction Charges

Education Spends

Education Spends

Fuel Spends

Fuel Spends

Fuel Surcharge

Fuel Surcharge

Toll Payments

Toll Payments

Gambling Transactions

Gambling Transactions

Lottery

Lottery

Online Skill-Based Gaming

Online Skill-Based Gaming

Government-related Transactions

Government-related Transactions

Utility Bill Payments

Utility Bill Payments

Telecom

Telecom

Taxes

Taxes

Insurance Payments

Insurance Payments

Jewellery Purchases

Jewellery Purchases

Forex Transactions

Forex Transactions

Cryptocurrency/Digital Asset Transactions

Cryptocurrency/Digital Asset Transactions

Rent Payment

Rent Payment

Railways

Railways

Transportation

Transportation

Business Services

Business Services

Contracted Services

Contracted Services

Collection Agencies

Collection Agencies

Security Broker Services

Security Broker Services

Charity

Charity

Donations

Donations

Antique Items

Antique Items

Load Money

Load Money

Liquid Assets

Liquid Assets

Outstanding Payments

Outstanding Payments

Voucher Purchases

Voucher Purchases

Miscellaneous

Miscellaneous

Donations to Religious Organizations

Donations to Religious Organizations

Donations to Political Organizations

Donations to Political Organizations

Smartpay

Smartpay

Smartbuy portal

Smartbuy portal

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