Axis
Axis SpiceJet Voyage Credit Card
This is an invite only card
Apply and get ₹1750 Rewards
Top Benefits
Get Complimentary SpiceClub Silver
Tier Membership with SpiceJet add-on vouchers on card issuance
Get ₹1,500 SpiceJet E-Voucher
on completing 2 transactions within 30 days of card issuance
Best For
Shopping
Online Food Ordering
Travel
Utility Bills
The Axis SpiceJet Bank Voyage Credit Card provides a direct way to cut down your flight costs while rew...
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The Axis SpiceJet Bank Voyage Credit Card provides a direct way to cut down your flight costs while rew...
The Axis SpiceJet Bank Voyage Credit Card provides a direct way to cut down your flight costs while rewarding your daily expenses. If you frequently fly with SpiceJet for business trips or family vacations, this co-branded credit card gives you an automatic return on your travel spending. Instead of generic reward points that lose value when transferred, you earn SpiceClub points that directly discount your future flight bookings.
This card works great for domestic travelers who want straightforward flight discounts without paying premium annual fees. It stands out from regular cashback cards by offering accelerated rewards on utility bills, food, and entertainment, alongside a solid base reward rate for all your other shopping. You also get a complimentary SpiceClub Silver membership, which doubles your earning potential when you book directly with the airline.
View FAQ
Commonly Asked Questions
Is the Axis SpiceJet Bank Voyage Credit Card lifetime free?
No, the card is not lifetime free. It comes with a joining fee of Rs. 750 and an annual renewal fee of Rs. 750, plus applicable taxes.
Who should apply for this credit card?
This card is ideal for individuals who travel domestically a few times a year and prefer flying with SpiceJet. The built-in SpiceClub points make it easy to save on future ticket purchases.
What makes this card different from standard cashback cards?
Unlike standard cards that give flat cashback, this card offers a high 3 percent value back on SpiceJet bookings and 1.5 percent value back on utilities and dining, with points specifically designed for flight redemptions.
Is it a good first card for building credit?
Yes, with a minimum income requirement of Rs. 2.5 lakh per year for salaried individuals, it is quite accessible for young professionals looking to build their credit history while earning travel perks.
Expert Review
In my experience analyzing co-branded travel cards, the Axis SpiceJet Bank Voyage Credit Card hits a very specific sweet spot. I love how generous the welcome bonus is—getting Rs. 1,500 in value for a Rs. 750 fee is an immediate win. The inclusion of one domestic lounge access per quarter is another massive plus, as most cards under Rs. 1,000 have stripped away this benefit entirely.
However, the card is not flawless. My biggest criticism is the rigid reward redemption system. Your points are trapped within the SpiceJet ecosystem, meaning if SpiceJet does not fly your preferred route, your accumulated points are practically useless. The Rs. 99 reward redemption fee also feels unnecessary for a co-branded card where points are digitally applied.
Ultimately, my verdict is simple: if you are a loyal SpiceJet flyer who travels domestically two to three times a year, the 3 percent return on bookings and the lounge access make this card a steal. If you prefer flexibility and fly with whatever airline is cheapest on MakeMyTrip, look for a general cashback card instead.
Joining / Annual Fee
Joining Fees
₹885 ( ₹750 + GST )
Annual Fees
₹885 ( ₹750 + GST )
Understanding the costs associated with your card helps you maximize its value. The Axis SpiceJet Bank ...
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Understanding the costs associated with your card helps you maximize its value. The Axis SpiceJet Bank ...
Understanding the costs associated with your card helps you maximize its value. The Axis SpiceJet Bank Voyage Credit Card comes with a one-time joining fee of Rs. 750, charged when your card is first issued. However, the bank offsets this cost entirely by providing a Rs. 1,500 SpiceJet flight voucher once you complete two eligible transactions within 30 days of receiving the card.
From the second year onward, an annual renewal fee of Rs. 750 applies. The bank waives this annual fee when you meet a specific spending target of Rs. 1 lakh during the preceding year. If your regular household and travel spending cross this threshold, you essentially enjoy the card's premium benefits without paying out of pocket year after year.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The card charges a one-time joining fee of Rs. 750 plus applicable taxes when the card is issued to you.
Is the joining fee one-time or recurring?
The joining fee is charged only once at the beginning. Subsequent years carry a renewal fee instead.
Is there a welcome bonus to offset the joining fee?
Yes, you get a Rs. 1,500 SpiceJet flight voucher after completing two transactions in the first 30 days, which is double the value of the joining fee.
What is the annual or renewal fee?
Starting from the second year, the bank charges an annual renewal fee of Rs. 750 plus taxes.
Is there an annual fee waiver option?
Yes, the annual fee is waived when you achieve an annual spending milestone of Rs. 1 lakh.
What happens if I don't meet the fee waiver spending requirement?
If your total spending falls short of the target, the full Rs. 750 annual fee will be added to your statement in your anniversary month.
Do I still get renewal points if my fee is waived?
Renewal bonus points are awarded exclusively upon the successful payment of the annual fee.
Can I get this card lifetime free?
This card carries standard joining and annual fees, though promotional lifetime free offers are occasionally available during specific bank campaign periods.
Eligibility
Age
Criteria*
18-70 years
Salary
Criteria*
2.5LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
Getting approved for the Axis SpiceJet Bank Voyage Credit Card requires meeting clear age and income st...
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Getting approved for the Axis SpiceJet Bank Voyage Credit Card requires meeting clear age and income st...
Getting approved for the Axis SpiceJet Bank Voyage Credit Card requires meeting clear age and income standards. The primary applicant must be between 18 and 70 years old at the time of application. The bank welcomes both salaried professionals and self-employed individuals to apply.
If you have a regular salaried job, you need a minimum annual income of Rs. 2.5 lakh. This breaks down to roughly Rs. 20,833 per month, making it a very accessible card for entry-level professionals. If you run your own business or are self-employed, the requirement is slightly higher at a minimum annual income of Rs. 3 lakh.
Alongside income, your credit history plays a vital role. The bank's internal guidelines state that a CRIF credit score of 750 or above is required for smooth approval, though the minimum threshold in the data system checks for a score of 720. Maintaining a strong credit history free of recent defaults will ensure your application processes quickly.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary applicant must be at least 18 years old to apply for the Axis SpiceJet Bank Voyage Credit Card.
What is the maximum age limit for the primary cardholder?
The upper age limit is 70 years at the time you submit your credit card application.
What is the minimum salary required for salaried applicants?
Salaried employees must have a minimum annual income of Rs. 2.5 lakh. For example, earning Rs. 25,000 a month comfortably meets this criteria.
What is the minimum annual income for self-employed applicants?
Self-employed professionals and business owners must demonstrate an annual income of at least Rs. 3 lakh to be eligible.
Can self-employed individuals apply for this card?
Yes, the card is available to both salaried and self-employed individuals, provided they meet the specific income thresholds.
What credit score is needed for approval?
The bank requires a strong CRIF score of 750 or above for approval, as the base system check begins at 720.
Will my application be rejected if my credit score is below the requirement?
A score below 750 decreases your chances of approval. The bank evaluates your complete profile, but a good credit history is mandatory.
Do I need an existing relationship with Axis Bank?
An existing relationship is not mandatory, though having one speeds up the verification and approval process.
All Card Benefits
- 6 SC Points per ₹200 on SpiceJet; 6 SC Points on utility/food/entertainment; 3 SC Points on other retail
- 12 SC Points per ₹200 on SpiceJet as SpiceClub Silver membership benefit
- 4 domestic airport lounge visits per year.
- Up to 15% off on MakeMyTrip every Wednesday.
Welcome Benefits
Starting your journey with this card is highly rewarding. When you receive your car...
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Welcome Benefits Starting your journey with this card is highly rewarding. When you receive your car...
Welcome Benefits
Starting your journey with this card is highly rewarding. When you receive your card, the bank provides welcome perks that completely offset your initial joining fee. To qualify, you simply need to complete two eligible transactions within 30 days of the card issuance date.
Once you meet this easy target, you receive a SpiceJet flight voucher worth Rs. 1,500. Additionally, the bank upgrades your airline loyalty tier to a complimentary SpiceClub Silver membership. For example, if you make two small grocery purchases of Rs. 500 each in your first week, you immediately secure Rs. 1,500 in flight value, effectively doubling the value of your Rs. 750 joining fee.
Reward Points Structure
The core strength of this card lies in its SpiceClub (SC) Points structure. Every SC point you earn holds a fixed value of Rs. 0.50 when redeemed. The earning categories are split to give you maximum value on travel and daily essentials.
When you book flights on the SpiceJet website or app, you earn 6 SC Points per Rs. 200 spent. Because of your complimentary SpiceClub Silver membership, you earn an additional 12 SC Points per Rs. 200 spent. You also earn 6 SC Points per Rs. 200 spent on utility bills, food, and entertainment. All other regular retail spending gives you 3 SC Points per Rs. 200. The card also features milestone bonuses: you get 2,000 bonus SC Points when you spend Rs. 1 lakh in a year, and 3,000 SC Points when you hit Rs. 2 lakh. You also get 1,000 SC points every year you pay your renewal fee.
For example, if you spend Rs. 10,000 on utility bills this month, you earn 300 SC points. Since each point is worth Rs. 0.50, you have just saved Rs. 150 toward your next flight. If you hit the Rs. 1 lakh annual milestone, your 2,000 bonus points give you a flat Rs. 1,000 discount on your next holiday.
Flight and Travel Perks
Beyond the direct SpiceJet point earnings, this card gives you great discounts on broader travel bookings. Every Wednesday, you can get up to 15 percent off on flights and hotels booked through MakeMyTrip.
For example, if you need to book a last-minute hotel room that costs Rs. 8,000, booking it on a Wednesday via MakeMyTrip using your Axis SpiceJet card can save you up to Rs. 1,200 instantly.
Domestic Airport Lounge Access
Waiting at the airport is much more comfortable when you have lounge access. This card offers 1 complimentary domestic airport lounge visit every quarter at Set A lounges across India.
To use this benefit, you need to spend a minimum of Rs. 50,000 in the previous 3 calendar months. However, the bank waives this spending condition for the first 4 months when you get a new card. When you swipe your card at the lounge, a nominal verification fee of Rs. 2 applies for Visa or Rupay cards, and Rs. 25 for Mastercard variants. For example, if you spend Rs. 17,000 per month on your regular expenses, you easily clear the Rs. 50,000 quarterly target and secure your free food and comfortable seating at the airport.
Dining and Everyday Offers
Your Axis SpiceJet card makes eating out and shopping online highly rewarding. Through the Axis Bank Dining Delights Program, you get discounts at top partner restaurants. Furthermore, you receive a flat 10 percent off on Swiggy food delivery orders every Wednesday.
You also get 10 percent off up to Rs. 1,000 on Tira every Wednesday for your beauty and cosmetic needs. For example, if you order a Rs. 800 meal on Swiggy on a Wednesday evening, you instantly save Rs. 80 right at checkout.
Fuel Surcharge Waiver Benefits
Paying extra fees at the petrol pump is frustrating. This card provides a 1 percent fuel surcharge waiver at all petrol stations across India. To get the waiver, your transaction must be between Rs. 400 and Rs. 4,000.
The maximum waiver amount is capped at Rs. 400 per month. For example, if you fill up your tank for Rs. 3,000, the typical Rs. 30 surcharge is completely waived, keeping your fuel costs strictly to the actual price of the petrol.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus?
You need to complete two eligible transactions using your new card within 30 days of it being issued. Once done, the voucher gets activated.
What is the value of the welcome benefit?
The primary welcome benefit is a SpiceJet flight voucher worth Rs. 1,500. This covers the cost of your Rs. 750 joining fee entirely.
Do I get any loyalty tier upgrades with the welcome package?
Yes, the welcome package includes a complimentary SpiceClub Silver membership, which enhances your reward earning rate on flight bookings.
When will I receive the welcome benefit after card activation?
The voucher is credited to your account within 30 days of you successfully completing the two required transactions.
Is there a minimum transaction amount required for the welcome bonus?
Any standard retail purchase counts toward the two-transaction requirement regardless of the transaction value.
What is the standard reward rate on this card?
You earn 3 SC points for every Rs. 200 spent on standard retail categories. This translates to an effective return of 0.75 percent on regular shopping.
What is the value of 1 reward point in rupees?
Each SpiceClub point is worth Rs. 0.50. This makes the math simple: 1,000 points will give you Rs. 500 off your flight booking.
How many points do I earn on SpiceJet flight bookings?
You earn 6 SC Points per Rs. 200 under the card benefits, plus 12 SC Points per Rs. 200 through your Silver membership. For a Rs. 10,000 flight, you earn a massive 900 points.
Are there any caps on how many points I can earn?
Yes, there is a spend cap of Rs. 1 lakh per month on SpiceJet bookings for earning SC Points under the primary card benefit category.
How many points do I get for paying utility bills?
You earn 6 SC points per Rs. 200 spent on utility bills, food, and entertainment. A Rs. 4,000 electricity bill earns you 120 points.
Do I get bonus points for high spending?
Yes, you earn 2,000 bonus SC Points when you cross Rs. 1 lakh in annual spends, and an additional 3,000 points when you reach Rs. 2 lakh in a year.
Do I get any points when I renew my card?
Yes, you receive 1,000 SC points as a renewal benefit every year when you pay your annual fee, giving you Rs. 500 in value right away.
Which transactions are excluded from earning reward points?
Fuel transactions, wallet loads, EMI transactions, insurance premiums, government payments, educational fees, and gift cards do not earn any reward points.
Does the card offer discounts on other travel portals?
Yes, you get up to 15 percent off on flights and hotels when booking through MakeMyTrip. This offer is valid specifically on Wednesdays.
Do I earn points when I book through MakeMyTrip?
You will earn the standard retail reward rate of 3 SC points per Rs. 200 spent when booking on third-party travel portals.
Are there any discounts for bus or railway bookings?
No, this card does not offer specific benefits in the bus or railway booking categories.
Can I use the MakeMyTrip discount every day?
No, the up to 15 percent discount on flights and hotels via MakeMyTrip is exclusively available for bookings made on Wednesdays.
How many lounge visits do I get per year?
You receive 1 complimentary domestic airport lounge access per quarter, totaling 4 visits per year at designated Set A lounges.
Is there a spending requirement to use the lounge?
Yes, you must spend at least Rs. 50,000 in the previous 3 calendar months to activate your lounge access for the current quarter.
Do new cardholders need to meet the spending target immediately?
No, the minimum spending requirement of Rs. 50,000 is waived for the first 4 months after your new card is issued.
Is lounge access completely free at the entry desk?
A tiny swipe fee is charged to verify your card. It costs Rs. 2 for Visa and Rupay networks, and Rs. 25 for Mastercard networks.
Does this card offer international lounge access?
No, the complimentary access is strictly limited to participating domestic airport lounges within India.
What kind of dining benefits does this card offer?
You receive up to 20% discounts at premium partner restaurants across India through the Axis Bank Dining Delights Program.
Does the card offer discounts on food delivery apps?
Yes, you get a solid 10 percent discount on Swiggy food orders when you pay with this card every Wednesday.
Are there any shopping offers on this card?
Yes, you get a 10 percent discount up to Rs. 1,000 on the Tira beauty platform every Wednesday.
Do dining expenses earn extra reward points?
Yes, food and dining spends fall under the accelerated category, earning you 6 SC points for every Rs. 200 spent.
How much fuel surcharge waiver do I get?
You get a 1 percent surcharge waiver on your fuel transactions across any fuel station in India.
What is the minimum transaction required for the waiver?
Your fuel swipe must be at least Rs. 400 to qualify for the 1 percent surcharge waiver.
Is there a maximum limit on a single fuel transaction?
Yes, the waiver only applies to fuel transactions up to a maximum of Rs. 4,000 per swipe.
What is the maximum monthly benefit I can claim on fuel?
The maximum fuel surcharge waiver you can earn in a single billing month is capped at Rs. 400.
Do I earn SC points when I buy fuel?
No, fuel transactions are explicitly excluded from earning SpiceClub reward points.
Milestone Benefits
Voucher Benefit(Worth ~ ₹1)
Spend ₹1,00,000 in 365 days
Voucher Benefit(Worth ~ ₹1)
Spend ₹2,00,000 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 points is only half the benefit; redeeming them is where you see the real savings. The Axis Spi...
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Earning points is only half the benefit; redeeming them is where you see the real savings. The Axis Spi...
Earning points is only half the benefit; redeeming them is where you see the real savings. The Axis SpiceJet Bank Voyage card focuses heavily on direct travel redemption. Your earned SpiceClub (SC) Points can be redeemed exclusively within the SpiceJet ecosystem.
To use your points, log in to your SpiceClub account via the SpiceJet website, mobile site, or mobile application. You can use your SC points to pay for flight tickets or travel add-ons like extra baggage or priority seating. Every SC point translates to exactly Rs. 0.50 in value. For example, if your flight ticket costs Rs. 4,000 and you have a balance of 5,000 SC points, those points give you Rs. 2,500 in value. You can apply the points at checkout and simply pay the remaining Rs. 1,500 using your credit card. Note that a reward redemption handling fee applies when you initiate a request.
View FAQ
Commonly Asked Questions
How do I redeem the reward points I have earned?
You must log into your SpiceClub account on the SpiceJet website or app. From there, you can apply your points during the checkout process for flights and add-ons.
What can I redeem my reward points for?
Your SC points are strictly redeemable for SpiceJet flight tickets, vouchers, and travel add-ons directly on the airline's platform.
What is the exact value I get when I redeem my points?
Every 1 SC point equals Rs. 0.50. For example, applying 2,000 points at checkout will reduce your flight ticket price by exactly Rs. 1,000.
Is there a fee for redeeming my rewards?
Yes, the bank charges a reward redemption handling fee of Rs. 99 plus applicable GST for every redemption request you make.
Can I redeem points for statement credit or cashback?
No, these are co-branded airline points. They cannot be converted into direct statement credit or transferred to your bank account.
Do my reward points expire?
Accumulated SC points remain valid for a period of 24 months from the date of accrual.
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 Premiums
Government Payments
Educational Fees
Gift Cards and Vouchers
For Spends Waiver
Fuel Transactions
Wallet Loads
EMI Transactions
Insurance Premiums
Government Payments
Educational Fees
Gift Cards and Vouchers
To maximize your rewards, you must know where your card does not earn points. The bank restricts point ...
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To maximize your rewards, you must know where your card does not earn points. The bank restricts point ...
To maximize your rewards, you must know where your card does not earn points. The bank restricts point earnings on specific transaction categories. Purchases in these segments will process successfully but will not increase your SpiceClub point balance.
The Axis SpiceJet card excludes fuel transactions, wallet loads, EMI transactions, insurance premiums, government payments, educational fees, and the purchase of gift cards and vouchers. Additionally, paying for fuel does not count toward your annual spending milestones for fee waivers or bonus points. For example, if you pay a Rs. 20,000 life insurance premium or load Rs. 5,000 into a digital wallet, you will earn zero SC points on those specific spends.
View FAQ
Commonly Asked Questions
Which transactions do not earn rewards on this card?
You will not earn points on fuel, wallet loads, EMI conversions, insurance premiums, government fees, educational payments, and gift card purchases.
Are fuel transactions completely excluded from earning rewards?
Yes, fuel payments do not earn SC points and also do not count toward your milestone benefit calculations.
Do wallet top-ups earn points on this card?
No, adding money to digital wallets using this credit card is excluded from the reward program. You earn zero points.
Are insurance premium payments excluded from rewards?
Yes, any payments made toward insurance premiums will not yield any SpiceClub points.
Are education or school fee payments excluded from earning rewards?
Yes, paying school, college, or any educational fees with this card is excluded from the reward earning structure.
What happens if I accidentally make a payment in an excluded category?
The transaction will go through normally and be added to your monthly bill. You simply will not earn any SC points for that specific purchase.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 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 surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
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 | 2% |
Cash Payment Fees A fee of ₹175 is charged for payments made by depositing cash at a bank branch | ₹175 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 – ₹500 | ₹0 |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| Above ₹10,000 | ₹1,200 |
Understanding every fee attached to your credit card prevents unpleasant surprises on your monthly stat...
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Understanding every fee attached to your credit card prevents unpleasant surprises on your monthly stat...
Understanding every fee attached to your credit card prevents unpleasant surprises on your monthly statement. The Axis SpiceJet Bank Voyage Credit Card has a transparent fee structure, but costs can add up quickly if you delay payments or use the card for cash withdrawals. Below is a detailed breakdown of every charge associated with this card.
The Joining Fee is a one-time charge of Rs. 750, billed when your card is issued as per the bank's policy. However, this cost is completely offset because the bank gives you a Rs. 1,500 SpiceJet voucher when you make two transactions in the first 30 days. For example, paying Rs. 750 upfront nets you double the value in flight vouchers instantly.
The Annual or Renewal Fee kicks in from the second year and costs Rs. 750. You can get this fee waived by meeting the bank's designated spending milestone of Rs. 1 lakh annually. For example, averaging around Rs. 8,500 per month on groceries and utility bills will ensure you never pay this renewal fee.
The APR or Interest Rate is 3.75 percent per month (which compounds to 45 percent annually). You get an interest-free period of 20 to 55 days, but if you carry a balance, the charges hurt. For example, if you leave a Rs. 10,000 balance unpaid, the bank will charge you Rs. 375 in interest for just one month, negating any rewards you earned.
Late Payment Charges are levied in slabs depending on your outstanding balance. The fees are: Rs. 0 (balance up to Rs. 100), Rs. 100 (balance Rs. 101 to Rs. 500), Rs. 500 (balance Rs. 501 to Rs. 5,000), Rs. 700 (balance Rs. 5,001 to Rs. 10,000), Rs. 800 (balance Rs. 10,001 to Rs. 20,000), Rs. 900 (balance Rs. 20,001 to Rs. 50,000), and Rs. 1,100 for balances above Rs. 50,000. For example, if you forget to pay a bill of Rs. 6,000, you will be hit with a flat Rs. 700 late fee penalty.
The Foreign Transaction or Forex Markup Fee is charged at 3.49 percent. This applies when you swipe the card internationally or buy from an overseas website. For example, if you spend exactly Rs. 10,000 on an international e-commerce site, the bank will add a Rs. 349 markup fee to your statement.
The ATM Cash Withdrawal Fee is 2.5 percent of the withdrawn amount, subject to a strict minimum of Rs. 500. Credit cards are not meant for ATMs. For example, if you withdraw just Rs. 2,000 in an emergency, 2.5 percent is Rs. 50, but you will be forced to pay the minimum Rs. 500 fee, wiping out a quarter of your withdrawn cash in charges.
The Rent Payment Convenience Fee is 1 percent of the total transaction amount, plus applicable GST. Since rent payments do not earn reward points, using this card for rent is expensive. For example, paying a Rs. 20,000 monthly rent through your card will cost you an extra Rs. 200 in bank fees.
The Railway Surcharge applies at a rate of 1 percent for train ticket bookings, and a specific Rs. 10 fee is charged per transaction for bookings made via IRCTC. For example, booking a Rs. 2,000 train ticket will result in a small but noticeable Rs. 20 surcharge fee.
The Cash Payment Fee is an extra Rs. 100 per transaction charged if you walk into an Axis branch and pay your credit card bill over the counter using physical cash. You can easily avoid this Rs. 100 penalty by paying your bill digitally via net banking or UPI.
The Cheque Payment Fee applies only to outstation cheques, costing Rs. 25 per instance. However, if your cheque bounces due to insufficient funds, a penalty of 2 percent of the amount or Rs. 500 (whichever is higher) applies. For example, a bounced cheque on a Rs. 5,000 bill triggers a flat Rs. 500 penalty.
The Reward Redemption Fee is a flat Rs. 99 plus GST charged every time you submit a request to redeem your points. For example, if you redeem 2,000 points for a Rs. 1,000 flight discount, the Rs. 99 fee reduces your actual net benefit to roughly Rs. 900.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 750 (Offset by Rs. 1500 Welcome Voucher) |
| Annual Fee | Rs. 750 (Waivable on spending) |
| Interest Rate (APR) | 3.75% per month (45% annually) |
| Late Payment Fee | Up to Rs. 1,100 based on outstanding balance |
| Forex Markup | 3.49% |
| Cash Withdrawal | 2.5% (Minimum Rs. 500) |
| Rent Payment Fee | 1% of transaction amount |
| Railway Surcharge | 1% (Rs. 10 per IRCTC transaction) |
| Cash Payment Fee | Rs. 100 per transaction |
| Cheque Bounce Fee | 2% or Rs. 500 (whichever is higher) |
| Reward Redemption Fee | Rs. 99 per request |
View FAQ
Commonly Asked Questions
What is the interest rate if I do not pay my full balance?
The bank charges an interest rate of 3.75 percent per month. If you leave Rs. 10,000 unpaid, you accrue Rs. 375 in interest in a single month.
What are the joining fees for this card?
The joining fee is Rs. 750, but it is effectively neutralized because the bank gives you a Rs. 1,500 flight voucher as a welcome benefit.
What is the annual or renewal fee?
The annual renewal fee is Rs. 750. You get this waived by meeting the annual spending milestone of Rs. 1 lakh set by the bank.
What happens if I miss my payment due date?
You will be charged a late fee between Rs. 100 and Rs. 1,100 depending on your balance. A Rs. 5,000 balance incurs a Rs. 500 penalty.
How much does it cost to use the card on international websites?
A forex markup of 3.49 percent is applied. Buying a USD 100 item (roughly Rs. 8,300) will cost you an extra Rs. 290 in fees.
Are there charges for withdrawing cash from an ATM?
Yes, cash advances cost 2.5 percent of the amount, with a minimum charge of Rs. 500. Withdrawing Rs. 1,000 costs you Rs. 500 in fees.
Is there a fee for paying rent with this credit card?
Yes, rent payments attract a 1 percent fee. Paying Rs. 15,000 for rent will result in a Rs. 150 extra charge on your statement.
Is there a fee to redeem my reward points?
Yes, the bank charges a handling fee of Rs. 99 plus taxes every time you request a point redemption on the SpiceJet platform.
Do I get charged if I pay my bill by cheque?
Outstation cheques cost Rs. 25. More importantly, if your cheque bounces, you face a severe penalty of 2 percent or a minimum of Rs. 500.
Is there a fee for paying my bill in cash at the branch?
Yes, depositing cash at an Axis branch to clear your credit card bill incurs a flat Rs. 100 cash payment convenience fee.
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
What identity proofs are accepted for the application?
You need to submit your PAN card, which is mandatory, along with your Aadhaar card for quick e-KYC verification.
What income documents do salaried individuals need to provide?
Salaried applicants need to provide their latest 2 months' salary slips or a recent bank statement showing salary credits.
What documents do self-employed applicants need?
Self-employed individuals must submit their latest Income Tax Returns (ITR) computing an income of at least Rs. 3 lakh.
Do I need physical copies if I do Video KYC?
You do not need to submit physical photocopies, but you must hold your original physical PAN card up to the camera during the Video KYC call.
Can I use a passport instead of Aadhaar for address proof?
Yes, valid Passports, Voter IDs, or Driving Licenses are accepted as valid address proofs if Aadhaar is unavailable.
Do I need to submit photographs?
For an online application with Video KYC, the bank captures a live photo during the call, so physical passport photos are not required.
Who Should Get This Card?
If you take two or three domestic flights a year for family vacations and mostly fly SpiceJet, this card is a fantastic match. The Rs. 1,500 welcome voucher covers your fee, and the 1.5 percent return on groceries and utilities ensures you build up a healthy point balance just by paying your everyday bills. It is also a smart choice for young professionals earning around Rs. 25,000 to Rs. 30,000 a month who want their first taste of airport lounge access without paying high premium card fees.
On the flip side, do not get this card if you hate being tied to one airline. If you always use aggregators to find the cheapest flight regardless of the carrier, you will struggle to maximize the 3 percent return on SpiceJet bookings. Furthermore, if you are looking for pure cashback that reduces your credit card bill directly, this card will frustrate you since points can only be redeemed for SpiceJet flights.
Credit Limit and What to Expect
Your credit limit is determined based on your declared income, existing debt obligations, and credit score. The bank performs a comprehensive assessment before assigning your limit. Maintaining a low credit utilization ratio and paying bills on time will help you secure limit increases in the future.
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Commonly Asked Questions
What will my starting credit limit be?
The bank assigns your starting limit based on your income and credit profile, often ranging from Rs. 25,000 to Rs. 1,00,000 for new applicants.
Can I request a higher limit immediately after approval?
No, banks generally require you to use the card responsibly for at least six months before entertaining a credit limit increase request.
Does the SpiceJet spending cap affect my credit limit?
No, the Rs. 1 lakh per month cap only restricts how many bonus SC points you can earn. Your actual credit limit functions independently of reward caps.
What happens if I spend more than my credit limit?
Transactions exceeding your limit incur a penalty fee of 2.5% of the over-limit amount, subject to a minimum of Rs. 500.
Does the bank review limits automatically?
Yes, Axis Bank periodically reviews customer accounts and may offer pre-approved limit enhancements based on good payment behavior.
Can I set my own limits for online transactions?
Yes, as per RBI guidelines, you can use the Axis mobile app to set daily limits and toggle online, contactless, or international transactions on and off.
How to Apply?
The application process for the Axis SpiceJet Bank Voyage Credit Card is entirely digital and straightforward. Start by visiting the official Axis Bank website or a trusted partner portal. Fill out the application form with your personal, contact, and employment details. The system will run a quick check on your credit profile.
Once you pass the initial stage, you will need to complete Video KYC (VKYC). Ensure you have your original PAN card ready, sit in a well-lit room, and maintain a stable internet connection. The bank requires you to be physically located within 50 kilometers of your registered address during this video verification process to comply with security guidelines.
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Commonly Asked Questions
Can I apply for this card online?
Yes, you can easily apply online through the official Axis Bank website or via verified financial partner platforms.
What is Video KYC and is it mandatory?
Video KYC is a digital verification process where a bank agent verifies your identity over a video call. It is mandatory for online applications to process your approval without visiting a branch.
What do I need for a successful Video KYC call?
You must have your original PAN card, a blank paper with a pen for your signature, a clear camera, and be within 50 km of your registered address.
Do I need to visit a branch to complete the application?
No, if your Video KYC is completed successfully, the entire process is paperless and you do not need to visit a branch.
How long does the approval process take?
Following a successful Video KYC and credit check, final approval is granted within 7 to 10 working days.
How can I track my application status?
You can track your status on the bank's website using the application reference number sent to your registered mobile number.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹1750 Rewards
Top Benefits
Get Complimentary SpiceClub Silver
Tier Membership with SpiceJet add-on vouchers on card issuance
Get ₹1,500 SpiceJet E-Voucher
on completing 2 transactions within 30 days of card issuance
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