Axis
Axis SpiceJet Voyage Black Credit Card
This is an invite only card
Apply and get ₹1750 Rewards
Top Benefits
Enjoy Complimentary SpiceClub Gold Membership
with SpiceJet add-on vouchers worth ₹7,500 on card issuance
Enjoy 8 Domestic Lounge
Visits every year, subject to minimum spends of ₹50,000 in the previous quarter
Best For
Shopping
Online Food Ordering
Travel
Utility Bills
If you fly SpiceJet regularly, the Axis SpiceJet Bank Voyage Black Credit Card is built to drastically ...
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If you fly SpiceJet regularly, the Axis SpiceJet Bank Voyage Black Credit Card is built to drastically ...
If you fly SpiceJet regularly, the Axis SpiceJet Bank Voyage Black Credit Card is built to drastically cut down your travel expenses. This premium co-branded card rewards you heavily for your loyalty to SpiceJet, offering an impressive 7% return on flight bookings directly through their platform. With an incredibly generous welcome flight voucher that instantly doubles the value of your joining fee, this card works hard for frequent domestic travelers.
Most travel cards spread their benefits thin across multiple airlines or hotels. The Axis SpiceJet Bank Voyage Black Credit Card takes a different approach by focusing strictly on SpiceJet perks, online food delivery, and daily entertainment. You earn accelerated SpiceClub points on everyday spends, which you can easily redeem to pay for your next flight. If you want a straightforward path to free flights without calculating complex air-mile conversions, this card simplifies the process.
View FAQ
Commonly Asked Questions
Is the Axis SpiceJet Bank Voyage Black Credit Card lifetime free?
No, this card is not lifetime free. It comes with a joining fee of Rs. 2,000 and an annual renewal fee of Rs. 2,000 plus applicable taxes.
Who should apply for this credit card?
This card is perfect for frequent domestic travelers who prefer flying with SpiceJet. If you spend heavily on SpiceJet bookings, online food orders, and utility bills, you will maximize the reward points easily.
Is this a good card for beginners?
This is a premium travel card requiring a CRIF score of 750 and a minimum annual income of Rs. 3 Lakhs. It is better suited for individuals with an established credit history rather than absolute beginners.
What makes this card better than regular travel cards?
The standout feature is the targeted 7% value back on SpiceJet bookings and the massive Rs. 4,000 flight voucher welcome bonus. Regular travel cards rarely offer such high direct returns on a specific domestic airline.
Expert Review
As a credit card analyst, I find the Axis SpiceJet Bank Voyage Black Credit Card to be an incredibly focused financial tool. It does exactly one thing, and it does it brilliantly: it makes flying SpiceJet cheap. The welcome benefit is phenomenal. Giving a Rs. 4,000 flight voucher against a Rs. 2,000 joining fee is an aggressive play that guarantees you are in profit from day one. Earning up to 7% value back on flight bookings is also top-tier for a domestic travel card. Furthermore, giving 3% back on everyday necessities like food delivery and utility bills ensures the card does not just sit in your wallet between holidays.
However, the card does have its flaws. The lack of an annual fee waiver is a notable drawback. While the 2,000 renewal points (worth Rs. 1,000) soften the Rs. 2,000 renewal fee, you are still technically paying Rs. 1,000 out of pocket every year just to keep the card active. Furthermore, restricting lounge access strictly to domestic terminals limits its utility for users who take the occasional international trip. Ultimately, if your travel map looks like SpiceJet's domestic route network, this card is an absolute must-have. If you prefer flexibility across different airlines, you should look elsewhere.
Joining / Annual Fee
Joining Fees
₹2,360 ( ₹2000 + GST )
Annual Fees
₹2,360 ( ₹2000 + GST )
Understanding the cost of holding a premium credit card helps you calculate your net savings. The Axis ...
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Understanding the cost of holding a premium credit card helps you calculate your net savings. The Axis ...
Understanding the cost of holding a premium credit card helps you calculate your net savings. The Axis SpiceJet Bank Voyage Black Credit Card has a straightforward fee structure that rewards you heavily in the first year and continues to offer value upon renewal.
The card charges a one-time joining fee of Rs. 2,000 plus applicable GST. While you have to pay this upfront, the bank offsets this entirely by giving you a SpiceJet flight voucher worth Rs. 4,000 once you make 2 transactions within 30 days. Moving forward, the card carries an annual renewal fee of Rs. 2,000 plus GST. There is no spend-based waiver for this annual fee. However, the bank softens the blow by crediting 2,000 SpiceClub Points to your account upon renewal. At a value of Rs. 0.50 per point, this gives you Rs. 1,000 back in flight value every year.
View FAQ
Commonly Asked Questions
How much is the joining fee?
The joining fee is Rs. 2,000 plus applicable taxes. It will be billed in your first credit card statement.
Do I get anything to cover the cost of the joining fee?
Yes, the Rs. 4,000 SpiceJet flight voucher you receive upon completing 2 transactions in the first 30 days more than covers the joining fee cost.
What is the annual fee from the second year?
From the second year onwards, you will be charged an annual renewal fee of Rs. 2,000 plus GST.
Can I get the annual fee waived if I spend a lot?
No, there is no spend-based annual fee waiver available on this card. The renewal fee is mandatory regardless of your annual spending.
Do I get any benefits when I pay the renewal fee?
Yes, upon paying the renewal fee each year, you receive 2,000 bonus SpiceClub points. These points carry a monetary value of Rs. 1,000 toward flight bookings.
Is this card available as lifetime free?
This card is strictly a fee-based premium offering and is not available as a lifetime free credit card.
When will the annual fee be charged?
The annual fee is typically charged at the completion of 12 months from your card setup date, and on the same anniversary month every year thereafter.
Does the GST amount get refunded if I cancel the card?
No, government taxes and GST charged on the joining or annual fees are strictly non-refundable even if you choose to close the card.
Eligibility
Age
Criteria*
18-70 years
Salary
Criteria*
3LPA
Credit
Rating*
750+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
Before applying for the Axis SpiceJet Bank Voyage Black Credit Card, you need to ensure your profile ma...
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Before applying for the Axis SpiceJet Bank Voyage Black Credit Card, you need to ensure your profile ma...
Before applying for the Axis SpiceJet Bank Voyage Black Credit Card, you need to ensure your profile matches the bank's strict requirements. The bank is looking for individuals with stable incomes and a clean credit history. Both salaried employees and self-employed professionals are welcome to apply.
The primary applicant must be at least 18 years old, and the maximum age limit to apply is 70 years. From a financial standpoint, you need to demonstrate an annual income of Rs. 3 Lakhs. That means a Rs. 25,000 monthly salary qualifies you, making this premium card surprisingly accessible to entry-level professionals. You will also need a solid credit footprint; the bank requires a minimum CRIF score of 750 to process your application smoothly. A score below 750 might lead to your application being declined or subject to additional manual review.
View FAQ
Commonly Asked Questions
What is the minimum age required to apply?
The primary applicant must be at least 18 years of age at the time of application.
Is there a maximum age limit?
Yes, the maximum age limit to apply for this credit card is 70 years.
What is the salary requirement for salaried employees?
Salaried individuals must have a minimum annual income of Rs. 3 Lakhs. This translates to roughly Rs. 25,000 per month.
Can business owners apply for this card?
Yes, self-employed individuals and business owners are eligible. They must also show a minimum annual income of Rs. 3 Lakhs via their ITR documents.
What credit score do I need for approval?
The bank requires a minimum CRIF credit score of 750. Having a score above this threshold significantly improves your chances of instant approval.
Will my application be rejected if my score is exactly 750?
A score of 750 meets the minimum requirement, but approval also depends on your income verification, existing debt, and internal bank policies.
Can students apply for this card?
While the minimum age is 18, students usually cannot meet the Rs. 3 Lakhs annual income requirement unless they have a steady verifiable income.
Are NRIs eligible to apply for this card?
NRIs are eligible to apply by providing overseas income proof, such as foreign bank statements, along with a valid NRE/NRO account.
All Card Benefits
- ₹4,000 SpiceJet flight voucher on completing 2 transactions within 30 days
- Earn up to 28 SpiceClub Points per ₹200 spent on the SpiceJet mobile app and website
- 8 complimentary domestic airport lounge visits every year
- SpiceClub Gold membership on card issuance
- Earn 12 SpiceClub Points on every ₹200 spent on online bill payments
Welcome Benefits
The welcome benefits on this card more than justify the initial cost. Upon paying y...
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Welcome Benefits The welcome benefits on this card more than justify the initial cost. Upon paying y...
Welcome Benefits
The welcome benefits on this card more than justify the initial cost. Upon paying your joining fee and completing just two transactions within the first 30 days of card issuance, you receive a SpiceJet flight voucher worth Rs. 4,000. You also get a complimentary SpiceClub Gold membership as soon as the card is issued.
For example, you pay the Rs. 2,000 joining fee. You then buy a coffee for Rs. 200 and a movie ticket for Rs. 300 in your first week. You immediately unlock a Rs. 4,000 flight voucher. You effectively make a Rs. 2,000 profit right out of the gate.
Reward Points Structure
Your everyday spending turns into flight tickets rapidly with this card. You earn up to 28 SpiceClub Points for every Rs. 200 spent on the SpiceJet mobile app or website. You earn 12 SpiceClub Points per Rs. 200 spent on online food orders, online bill payments, and online entertainment. For all other domestic and international transactions, you earn 6 SpiceClub Points per Rs. 200 spent.
Since 1 SpiceClub Point equals Rs. 0.50, the math looks great. If you book a family trip on SpiceJet for Rs. 20,000, you earn 2,800 points. Those points are worth Rs. 1,400, giving you a massive 7% return. Spend Rs. 10,000 a month on online food delivery and utility bills, and you earn 600 points, which equals Rs. 300 in flight value.
Flight and Milestone Benefits
The card rewards high spenders with bonus milestone SpiceClub points. You earn 4,000 bonus SC points when your annual spending reaches Rs. 2 Lakhs. If you push your annual spending to Rs. 4 Lakhs, you receive another 6,000 SC points.
For example, if you use this card for all your daily needs and hit Rs. 4 Lakhs in spends over the year, you get a total of 10,000 bonus points. At a value of Rs. 0.50 per point, that is a pure bonus of Rs. 5,000 toward your next SpiceJet flight, on top of the regular points you already earned.
Airport Lounge Access
Comfort while traveling is essential. This card provides 8 complimentary domestic airport lounge visits per year across participating lounges in India. This allows you to grab a free meal, access high-speed Wi-Fi, and relax before your domestic flights.
If an average lounge visit costs Rs. 1,500 out of pocket, using all 8 visits gives you an annual value of Rs. 12,000. This is an excellent perk that easily offsets the annual fee of the card.
Dining and Partner Offers
The Axis SpiceJet Bank Voyage Black Credit Card goes beyond travel to offer robust lifestyle perks. You get 10% off on food orders via certain delivery and restaurant apps on Wednesdays. You also get up to 15% off on flights and hotels via select partner portals on Wednesdays. Furthermore, the dining program offers up to 25% discount at partner restaurants, capped at Rs. 800 per month.
Let us say you go out for dinner with your family at a partner restaurant and the bill is Rs. 4,000. A 25% discount gives you Rs. 1,000 off, but since it is capped, you save exactly Rs. 800. Doing this once a month saves you Rs. 9,600 over a year.
Fuel Surcharge Waiver
While you do not earn reward points on fuel, the card does provide a 1% fuel surcharge waiver at Indian fuel stations. This waiver applies to fuel transactions ranging between Rs. 400 and Rs. 4,000, with a maximum monthly benefit cap of Rs. 400.
If you spend Rs. 5,000 on petrol every month in increments of Rs. 1,000, the 1% surcharge is waived automatically. This saves you Rs. 50 a month, or Rs. 600 a year, helping keep your commute costs slightly lower.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome flight voucher?
You need to successfully complete two transactions of any amount within the first 30 days of card issuance. Once completed, the Rs. 4,000 SpiceJet flight voucher will be triggered.
What is the value of the welcome benefits?
The main welcome benefit is a flight voucher worth exactly Rs. 4,000. You also receive complimentary SpiceClub Gold membership which brings its own set of tier-based travel perks.
Do I get the Rs. 4,000 voucher every year?
No, the Rs. 4,000 flight voucher is a one-time welcome benefit issued when you first get the card. However, you do receive 2,000 bonus points upon card renewal each subsequent year.
Where can I use the flight voucher?
The flight voucher is exclusively redeemable for SpiceJet flight bookings through the official SpiceJet website or mobile app, subject to SpiceClub terms and conditions.
What is the reward rate for SpiceJet bookings?
You earn up to 28 SpiceClub Points per Rs. 200 spent directly on the SpiceJet app or website. This translates to an effective return of 7% on your flight bookings.
How many points do I earn on food delivery apps?
You earn 12 SpiceClub Points for every Rs. 200 spent on online food orders. If you order food worth Rs. 1,000, you will earn 60 points valued at Rs. 30.
What is the earning rate for utility bills?
Online bill payments earn 12 SpiceClub Points per Rs. 200 spent. Paying a Rs. 2,000 electricity bill online yields 120 points, giving you Rs. 60 in value.
How many points do I earn on general shopping?
For regular offline shopping or categories not falling under the accelerated lists, you earn 6 SpiceClub Points per Rs. 200 spent. This is equivalent to a 1.5% reward rate.
What is the exact rupee value of one SpiceClub Point?
One SpiceClub Point is valued at exactly Rs. 0.50 when redeemed on the SpiceJet platform.
Do I earn points when paying my rent?
No, rent payments are excluded from earning any reward points on this card.
Are there points for fuel purchases?
No, fuel transactions are completely excluded from the reward program and will not generate any SpiceClub points.
Do I get points for paying school or college fees?
No, educational services are listed in the bank exclusions, meaning you will not earn points on these payments.
Will I earn points if I load my digital wallet?
Wallet loads do not earn any SpiceClub points as they are part of the excluded transaction categories.
Do government payments qualify for rewards?
No, payments made for government services are explicitly excluded from earning reward points.
What is the first milestone benefit?
When you spend Rs. 2 Lakhs in a single year, you are rewarded with 4,000 bonus SpiceClub points.
What do I get if I spend Rs. 4 Lakhs in a year?
Upon crossing the Rs. 4 Lakhs annual spending mark, you earn an additional 6,000 bonus SpiceClub points.
What is the total value of these milestone points?
If you hit both milestones, you earn 10,000 bonus points. Since each point is worth Rs. 0.50, the total cash value of your milestone bonus is Rs. 5,000.
Do rent payments count toward the milestone targets?
Rent and fuel transactions are excluded from the annual spending milestones and do not contribute toward your reward progress.
How many lounge visits do I get?
You receive 8 complimentary domestic airport lounge visits per year.
Does this card offer international lounge access?
No, the complimentary visits are strictly limited to domestic airport lounges within India.
Can I use my lounge visits for my guest or family members?
Complimentary lounge visits are reserved for the primary cardholder only. Guests and family members will be charged at the prevailing lounge rates.
Do I get railway lounge access with this card?
No, this card does not offer any benefits for railway lounge access.
How much can I save on dining out?
You get up to a 25% discount at partner restaurants. The maximum discount you can avail is capped at Rs. 800 per month.
What are the Wednesday specific offers?
On Wednesdays, you get a 10% discount on orders via select food delivery apps and up to 15% off on flights and hotels through chosen partner portals.
Is there a minimum bill amount required for the dining discount?
Minimum bill requirements vary by restaurant but generally start at Rs. 1,500 to qualify for the dining discount.
Does this card offer any movie ticket discounts?
No, this card explicitly states that it does not offer any benefits in the movie or entertainment ticket discount category.
What is the fuel surcharge waiver on this card?
You receive a 1% fuel surcharge waiver on your fuel purchases across any petrol pump in India.
What is the minimum transaction amount for the waiver?
To qualify for the surcharge waiver, your individual fuel transaction must be at least Rs. 400.
What is the maximum limit for the waiver?
The maximum fuel surcharge waiver you can earn is capped at Rs. 400 per month. Transactions above Rs. 4,000 will not qualify for the waiver.
Will I earn SpiceClub points on my fuel spends?
No, fuel transactions are categorized under exclusions and do not earn any SpiceClub points.
Milestone Benefits
4000 reward points(Worth ~ ₹2,000)
Spend ₹2,00,000 in 365 days
6000 reward points(Worth ~ ₹3,000)
Spend ₹4,00,000 in 365 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 SC Point = ₹0.50
Redemption Options
- SpiceJet flights
- SpiceJet website or mobile app
- Vouchers
To check redemption catalogue
Earning rewards is only half the battle; redeeming them effortlessly is where the real value lies. The ...
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Earning rewards is only half the battle; redeeming them effortlessly is where the real value lies. The ...
Earning rewards is only half the battle; redeeming them effortlessly is where the real value lies. The Axis SpiceJet Bank Voyage Black Credit Card deposits your earnings as SpiceClub Points, which are tightly integrated with the SpiceJet ecosystem. These points cannot be encashed or used directly as statement credit against regular retail purchases.
To redeem your points, you must log into the official SpiceClub portal or the SpiceJet website. You can use these points to part-pay or fully pay for flight tickets, seat selection, and meals. Remember that taxes and government fees might still require payment via cash or card. One of the best features is that there is absolutely no fee charged when you redeem your reward points on this card.
For example, if you have accumulated 10,000 SpiceClub points, they are worth Rs. 5,000. If your flight ticket costs Rs. 8,000, you can use your points to cover Rs. 5,000 and just pay the remaining Rs. 3,000 with your credit card, making your travel highly affordable.
View FAQ
Commonly Asked Questions
Where can I check my SpiceClub Points balance?
You can track your accumulated SpiceClub points by logging into your account on the SpiceJet mobile app or the official SpiceClub website.
Can I convert my points to cash?
No, SpiceClub points cannot be encashed. They are exclusively meant for redemption within the SpiceJet ecosystem.
Can I use points to pay my credit card bill?
No, these specific reward points cannot be used as statement credit to offset your monthly credit card bill.
How do I redeem points for a flight?
Log into the SpiceJet website, select your flight, and on the payment page, choose to pay using your available SpiceClub points.
Is there a fee for redeeming points?
No, the bank does not charge any reward redemption fee when you use your points. You keep 100% of the value you earned.
Can I use points to pay the entire ticket cost including taxes?
Points can be used for part-payment per SpiceClub terms. However, certain airline taxes or government fees may still require payment via your credit card.
Do my SpiceClub points expire?
SpiceClub points are valid for 24 months from the date of credit, after which they will expire and be removed from your account balance.
Can I transfer points to another airline's loyalty program?
No, SpiceClub points are proprietary to SpiceJet and cannot be transferred to other airline miles or external hotel loyalty programs.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Axis Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Axis Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Transactions
Wallet loads
EMI Transactions
Insurance Payments
Government Payments
Educational Services
For Spends Waiver
Fuel Transactions
Wallet loads
EMI Transactions
Insurance Payments
Government Payments
Educational Services
To maximize your rewards, you must know where the card will not give you anything back. Banks impose ex...
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To maximize your rewards, you must know where the card will not give you anything back. Banks impose ex...
To maximize your rewards, you must know where the card will not give you anything back. Banks impose exclusions to prevent system abuse and manage margins. On the Axis SpiceJet Bank Voyage Black Credit Card, several major categories are completely excluded from the reward program.
You will earn absolutely zero SpiceClub points on Fuel Transactions, Wallet loads, EMI Transactions, Insurance Payments, Government Payments, and Educational Services. If you use this card to pay a Rs. 50,000 college tuition fee, you might expect a windfall of points, but due to the educational services exclusion, you will earn nothing. Similarly, converting a large purchase into an EMI strips that transaction of its reward-earning potential.
View FAQ
Commonly Asked Questions
Do I get points for buying petrol or diesel?
No, fuel transactions are explicitly excluded from earning any SpiceClub points. You only get the 1% surcharge waiver.
Can I earn points by adding money to PayTM or Amazon Pay?
No, loading digital wallets is categorized as an excluded transaction and will not yield any reward points.
Do EMI conversions earn reward points?
No. If you buy a phone and convert the transaction into monthly EMIs, that specific transaction is excluded from reward earnings.
Will paying my LIC premium give me points?
Insurance payments fall under the bank's exclusion list. You will not earn any points for paying life, health, or vehicle insurance premiums.
Can I use this card to pay taxes and earn points?
No, government payments are excluded. Paying income tax or municipal taxes will not generate any rewards.
Are school fees eligible for rewards?
Payments made to educational institutions and for educational services do not earn any SpiceClub points.
Do I get penalized for spending in excluded categories?
You are not penalized. The transaction processes normally, but your reward point balance simply will not increase for that specific spend.
Does spending in excluded categories count toward milestone benefits?
Spends on excluded categories like rent, fuel, and wallet loads do not contribute toward the Rs. 2 Lakhs or Rs. 4 Lakhs annual milestone targets.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.50%): | 3.50% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500 | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST | 1% |
cheque Payment Fees 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal, subject to a minimum of ₹500 | ₹500 |
Cash Payment Fees A fee of ₹175 is charged for payments made by depositing cash at a bank branch. Daily limit for cash payment is ₹50,000 | ₹175 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0–₹500 | ₹0 |
| ₹501–₹5,000 | ₹500 |
| ₹5,001–₹10,000 | ₹750 |
| Above ₹10,000 | ₹1,200 |
The Axis SpiceJet Bank Voyage Black Credit Card carries a fee profile standard for premium co-branded...
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The Axis SpiceJet Bank Voyage Black Credit Card carries a fee profile standard for premium co-branded...
The Axis SpiceJet Bank Voyage Black Credit Card carries a fee profile standard for premium co-branded cards. While the direct travel benefits are high, missing payments or using the card for cash withdrawals will result in heavy penalties. Let us break down every fee you might encounter.
Joining Fee: The bank charges a one-time fee of Rs. 2,000 plus GST when your card is set up. This fee is not waivable, but it is heavily offset by the Rs. 4,000 SpiceJet flight voucher you receive after completing 2 transactions within 30 days. For example, paying the Rs. 2,360 (including 18% GST) nets you Rs. 4,000 in immediate travel value.
Annual Fee: A renewal fee of Rs. 2,000 plus GST applies each year. There is no waiver condition (NA) based on spending. You must pay this every year, but you receive 2,000 SpiceClub points (worth Rs. 1,000) upon renewal, softening the blow by half.
APR / Interest Rate: Finance charges are 3.75% per month, which translates to a massive 55.55% annually. This applies to revolved balances and cash advances. If your bill is Rs. 20,000 and you only pay the minimum due, the remaining balance will accrue interest at 3.75% per month, adding roughly Rs. 750 in interest charges for just one month.
Late Payment Charges: Missing your payment deadline incurs slab-based penalties. For outstanding amounts up to Rs. 500, the fee is Rs. 0. For balances between Rs. 501 and Rs. 5,000, it is Rs. 500. For Rs. 5,001 to Rs. 10,000, it is Rs. 750. For balances above Rs. 10,000, the penalty is Rs. 1,200. If you owe Rs. 6,000 and miss the date, you will instantly be hit with a Rs. 750 fine plus the 3.75% interest rate.
Forex Markup Fee: A 3.5% markup is applied to all transactions made in foreign currency. If you travel abroad and swipe your card for a hotel costing USD 100 (approx. Rs. 8,300), the bank adds a 3.5% fee, meaning you pay an extra Rs. 290 just for the currency conversion privilege.
ATM Cash Withdrawal Fee: Using a credit card at an ATM is expensive. You are charged 2.5% of the withdrawn amount, subject to a minimum of Rs. 500. If you withdraw Rs. 10,000 cash in an emergency, the fee is 2.5% (Rs. 250), but since the minimum is Rs. 500, you will be charged Rs. 500 flat. Plus, the 3.75% monthly interest starts immediately with no grace period.
Rent Payment Fee: A 1% fee is charged on the transaction amount when you pay rent using this card. If your monthly rent is Rs. 20,000, the bank adds a Rs. 200 fee, plus GST. Since rent payments are excluded from earning rewards, using this card for rent is a pure loss.
Railway Surcharge: Booking train tickets attracts a surcharge. It is 1.80% for online transactions and 2.50% for offline/other bookings. If you book a Rs. 2,000 train ticket online, expect an extra Rs. 36 added as a surcharge.
Cash Payment Fee: If you visit an Axis bank branch and pay your credit card bill using physical cash, a processing fee of Rs. 175 is levied per deposit. Always pay online via NEFT, UPI, or net banking to avoid this.
Cheque Payment Fee: If you try to pay your bill via cheque or auto-debit and it bounces due to insufficient funds, the bank charges a massive 2% of the payment amount. If your Rs. 50,000 auto-debit fails, you face a Rs. 1,000 dishonor fee.
Reward Redemption Fee: Thankfully, this card is exceptionally generous here. The fee is Not Applicable. No fee is charged when redeeming reward points on this card, meaning your 10,000 points retain their full Rs. 5,000 value without hidden deductions.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 2,000 + GST |
| Annual Fee | Rs. 2,000 + GST (No Waiver) |
| Interest Rate (APR) | 3.75% per month (~55.55% annually) |
| Late Payment Fee | Up to Rs. 1,200 depending on balance |
| Forex Markup | 3.5% of transaction value |
| Cash Withdrawal | 2.5% (Minimum Rs. 500) |
| Rent Payment Fee | 1% of transaction amount |
| Railway Surcharge | 1.80% online / 2.50% offline |
| Cash Bill Payment | Rs. 175 per deposit |
| Cheque Bounce Fee | 2% of payment amount |
| Reward Redemption | Nil (Not Applicable) |
View FAQ
Commonly Asked Questions
Is the Rs. 2,000 joining fee refundable?
No, the joining fee is strictly non-refundable. However, the Rs. 4,000 flight voucher you receive completely offsets the out-of-pocket cost.
Can I waive the annual fee by spending a certain amount?
No, there is no spend-based waiver for the Rs. 2,000 annual fee. It is mandatory, but you receive 2,000 bonus points upon payment.
What happens if I only pay the minimum due amount?
If you only pay the minimum, the remaining balance attracts a high interest rate of 3.75% per month until you clear the full dues.
Is there an interest-free period for cash withdrawals?
No, cash withdrawals do not enjoy any interest-free grace period. The 3.75% monthly interest starts calculating from the exact date of withdrawal.
How much will I be charged if I miss my bill payment?
Late fees are slab-based. If your bill is Rs. 8,000, you will be charged Rs. 750. If your bill is Rs. 15,000, the fee jumps to Rs. 1,200.
Is this card good for international trips?
With a high forex markup of 3.5%, this card is quite expensive for international use. It is primarily built for domestic travel.
Should I use this card to pay my rent?
It is not advisable. You will be charged a 1% convenience fee on the rent amount, and rent payments do not earn any reward points.
How can I avoid the Rs. 175 cash payment fee?
Simply pay your credit card bill digitally using UPI, NEFT, IMPS, or the bank's mobile application to avoid the physical cash handling fee.
What happens if my auto-debit for the card bill fails?
If your account lacks sufficient funds and the auto-debit bounces, the bank will charge you a penalty of 2% of the payment amount.
Do I lose value when I redeem my points?
No, the reward redemption fee is not applicable on this card. You get the full value of your points without any administrative deductions.
Are taxes included in the fee amounts?
No, all stated fees (joining, annual, late payment, rent convenience) are subject to an additional 18% GST as per government regulations.
Is there a penalty if I cross my credit limit?
Crossing your credit limit triggers an over-limit penalty of 2.5% of the over-limit amount, subject to a minimum of Rs. 500.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
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Commonly Asked Questions
Is a PAN card mandatory?
Yes, a physical PAN card is absolutely mandatory for credit card applications and Video KYC verification.
Can I use my Aadhaar card for both ID and address proof?
Yes, a valid Aadhaar card serves as dual proof for both identity and residential address.
Do I need to submit physical copies of documents?
No, if you apply online and complete Video KYC, you can upload digital copies or show the original documents on camera.
What if my current address is different from my Aadhaar?
If you live at a different address, you will need to provide an alternate address proof like a recent utility bill or rent agreement.
How many months of salary slips are required?
Typically, banks ask for the latest two to three months of salary slips to verify current employment and income.
Can I apply without income proof?
If you have a strong existing relationship with Axis bank or are eligible for a pre-approved offer, the bank might waive the income document requirement.
Who Should Get This Card?
Q: I fly domestically 5-6 times a year and usually look for the cheapest flights. Is this for me?
A: Absolutely. By routing your bookings through SpiceJet, the 7% reward rate on flights plus the bonus points on food delivery will quickly pay for your next ticket. The Rs. 4,000 welcome voucher alone covers two budget domestic sectors.
Q: I prefer full-service airlines and international travel. Should I apply?
A: No. This card strictly benefits SpiceJet loyalists. If you want business class lounges, air miles transfers to international carriers, or premium cabin perks, you should look at non-co-branded premium travel cards.
Q: I spend a lot on Swiggy, Zomato, and paying electricity bills. Will this help?
A: Yes. Earning 12 points per Rs. 200 (a 3% return) on food apps and utility bills makes this a surprisingly strong everyday card, provided you are happy redeeming those returns for SpiceJet flights.
Credit Limit and What to Expect
Your credit limit dictates how much purchasing power you hold. The bank assigns this limit dynamically based on your financial profile, existing credit history, and declared income. While the exact limit is not fixed for everyone, premium cards like this usually start with respectable limits that give you enough room to book flights and manage daily expenses.
If you have an excellent CRIF score well above the required 750 and a high income, you can expect a higher initial limit. Responsible usage, such as keeping your credit utilization ratio below 30% and paying bills on time, will prompt the bank to offer you limit enhancements in the future.
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Commonly Asked Questions
What will be my starting credit limit?
The bank determines your credit limit based on your income, credit score, and internal policies. There is no universal starting limit.
How can I increase my credit limit?
Pay your entire statement balance on time every month and use the card regularly. The bank reviews accounts periodically and offers proactive limit increases to responsible users.
Does a high income guarantee a high credit limit?
While income is a major factor, your existing debt obligations and credit history play an equally vital role in determining your final limit.
Can I request a limit increase immediately after getting the card?
Banks usually require you to use the card for at least 6 months to establish a repayment pattern before they entertain manual limit increase requests.
What happens if I try to spend above my credit limit?
Transactions exceeding your limit will be declined or processed with an over-limit fee of 2.5% of the over-limit amount (minimum Rs. 500).
Can I set my own transaction limits?
Yes, as per RBI guidelines, you can use the bank's mobile app to set your own daily limits for online, offline, and contactless transactions within your total approved credit limit.
How to Apply?
Getting your hands on the Axis SpiceJet Bank Voyage Black Credit Card is a fully digital, paperless process. You can apply directly through the bank's official website or use authorized partner platforms for a smooth experience.
- Visit the official bank website and navigate to the credit cards section.
- Select the Axis SpiceJet Bank Voyage Black Credit Card and click on 'Apply Now'.
- Fill out the digital application form with your personal, contact, and employment details.
- Verify your identity via OTP sent to your Aadhaar-linked mobile number.
- Complete the Video KYC process by connecting with a bank executive over a live video call. Keep your original PAN card handy.
- Once approved, your virtual card will be generated instantly, and the physical card will be dispatched to your registered address within a few working days.
View FAQ
Commonly Asked Questions
Can I apply for this card online?
Yes, the entire application process is optimized for online submission through the bank's website or partner platforms.
What is Video KYC?
Video KYC is a digital verification process where a bank agent confirms your identity over a video call, eliminating the need for physical branch visits.
What do I need during the Video KYC call?
You need a stable internet connection, a well-lit room, a blank piece of paper with a pen for your signature, and your original physical PAN card.
Do I need to visit the bank branch at any point?
No, if your Video KYC is successful, you do not need to visit a bank branch. The entire process is remote.
How long does approval take?
If you meet all the eligibility criteria and your documents are in order, initial approval can happen within minutes, with final confirmation taking a few working days.
How can I track my application?
You will receive an Application Reference Number via SMS and email. You can use this number on the bank's tracking portal to check your real-time status.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹1750 Rewards
Top Benefits
Enjoy Complimentary SpiceClub Gold Membership
with SpiceJet add-on vouchers worth ₹7,500 on card issuance
Enjoy 8 Domestic Lounge
Visits every year, subject to minimum spends of ₹50,000 in the previous quarter
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