This is the same product on a different payment network. Everything on this page applies to both rails — the differences are below. Pick the rail you want; you apply for it directly with the bank.
Same IndiGo BluChip earning and ₹799 fee, on RuPay - so it can be linked to UPI apps.
In-depth review
IndiGo Axis Bank Credit Card
The entry rung of the IndiGo × Axis co-brand on the IndiGo BluChip programme — 3 BluChips per ₹100 on IndiGo, 2 on grocery and dining, 1 elsewhere, for a ₹799 fee that a 1,200-BluChip renewal voucher mostly offsets. Genuinely useful if IndiGo is your default airline, but BluChips are a closed, dynamically-priced currency worth about 42 paise each, so the real return is well below the headline rates.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹504 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
3 points/₹100 on Travel (~1.26% value)
3 IndiGo BluChips per ₹100 on IndiGo flights, 6E add-ons and the IndiGo app
0.84% on Dining
2 IndiGo BluChips per ₹100 on dining spends
Airport Lounge Access
1 complimentary domestic airport lounge visit per quarter (4/year), unlocked by ₹50,000 spend in the preceding 3 months. No international lounge access.
Milestone Bonus
~₹504 in bonus rewards on hitting annual spend milestones
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
✓
Domestic lounges
₹2,000
Estimated annual value
3.5%
Forex markup
1.3%
Travel reward rate
AIRLINE / TRAVEL PARTNERS
- Domestic airport lounge access (worth ~₹2,000/yr)
- Miles on: IndiGo
This card suits someone who flies IndiGo several times a year, books directly on the IndiGo app or website, and is happy redeeming BluChips straight back into IndiGo tickets. If IndiGo is your default airline and you want the co-brand's welcome voucher, milestone BluChips and a quarterly lounge visit for a modest ₹799, it does its job. It is not a card for someone chasing flexible, transferable travel value.
Full reward structure
What you earn on every rupee, per spend category — as of 23 Oct 2026. Rates assume 1 pt = ₹0.42. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travelonly at IndiGo | reward points | 1.26%3 pts/₹100 × ₹0.42 | — |
| Dining | reward points | 0.84%2 pts/₹100 × ₹0.42 | — |
| Groceries | reward points | 0.84%2 pts/₹100 × ₹0.42 | — |
| Other | reward points | 0.42%1 pts/₹100 × ₹0.42 | — |
Travel: 3 IndiGo BluChips per ₹100 on IndiGo flights, 6E add-ons and the IndiGo app · IndiGo
Dining: 2 IndiGo BluChips per ₹100 on dining spends
Groceries: 2 IndiGo BluChips per ₹100 on grocery spends
Other: 1 IndiGo BluChip per ₹100 on all other eligible spends
Earns nothing on: Rent · Wallet Loads · Fuel · Gold and jewellery · Government & Tax · Utility Bills · Insurance · EMI Conversions · Cash Advances · Tolls & Road Fees · Gift Cards & Vouchers
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 23 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹943 |
| Joining fee (incl. 18% GST) | ₹943 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹3,512/yr in total.
1 complimentary domestic airport lounge visit per quarter (4/year), unlocked by ₹50,000 spend in the preceding 3 months. No international lounge access.
1,200 IndiGo BluChips when annual spend reaches ₹1.5 lakh
A further 1,200 IndiGo BluChips when annual spend reaches ₹3 lakh (2,400 total)
Renewal voucher of 1,200 IndiGo BluChips each year on payment of the annual fee (the matching welcome voucher is counted separately)
Milestone ladder
- ₹1,50,000 a year₹504 of value
- ₹3,00,000 a year₹504 of value
Should you get it?
- Best for: Regular IndiGo flyer who redeems into IndiGo fares, Wants a low-fee airline co-brand, Books directly on the IndiGo app or website, Takes a few domestic IndiGo flights a year
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on Dining (0.84% back; 1.26% only at IndiGo).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- 3 IndiGo BluChips per ₹100 on IndiGo bookings — useful if IndiGo is your default airline
- ₹799 fee covered outright by a 1,200-BluChip annual renewal voucher
- Spend milestones at ₹1.5L and ₹3L each add 1,200 BluChips
- One complimentary domestic lounge visit per quarter
✕ Cons
- IndiGo BluChips redeem only toward IndiGo fares at a dynamic, unpublished rate and cannot be transferred or cashed out — the 3/2/1 earn rates are worth whatever your own IndiGo bookings return
- No international lounge access and lounge visits are spend-gated (₹50,000 in the prior quarter)
- No fuel surcharge waiver, and rent/wallet/fuel/utilities/insurance/government/jewellery/tolls and bridge & road fees/gift cards/EMI/cash earn nothing
- Welcome, renewal and milestone vouchers lapse six months after issue, and Axis states it cannot extend the validity
- Axis charges a 1% surcharge on rent (uncapped) and on wallet loads, online skill-based gaming, utility and fuel spends past monthly thresholds — most of which earn no BluChips either
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁IndiGo fares: Redeem IndiGo BluChips toward IndiGo flight bookings at a dynamic, fare-linked rate. Neither Axis nor IndiGo publishes a fixed value; we model a BluChip at 42 paise. BluChips cannot be redeemed for statement credit or transferred.
What your IndiGo BluChip are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
₹0.42 per BluChip against IndiGo base fare; airline-only, and BluChips expire with account inactivity
IndiGo BluChips have no published rupee value — neither Axis nor IndiGo fixes a redemption rate — and they buy nothing but IndiGo fares, at a price that moves with the fare. They cannot be transferred or cashed out, so the card is worth exactly what your own IndiGo bookings make it worth.
Frequently asked questions
How many BluChips does the card earn?
What is an IndiGo BluChip worth?
What is the fee, and is it waived?
Does the card offer airport lounge access?
What are the milestone benefits?
How will Axis apply my payment across the outstanding balance from 28 August 2026?
How has the IndiGo Axis Bank Credit Card changed over time?
Has the IndiGo Axis Bank Credit Card been devalued recently?
When did the IndiGo Axis Bank Credit Card's fees last change?
How did the IndiGo Axis Bank Credit Card change in 2026?
The bottom line
For an IndiGo regular the maths is simple: the ₹799 fee is covered outright by the annual 1,200-BluChip voucher, the milestones reward steady spend, and BluChips are genuinely useful if you fly IndiGo anyway. But BluChips are a closed currency with no published rate — we value them at 42 paise apiece, which reads the 3/2/1 earn rates as roughly 1.3%/0.8%/0.4%, while the fare you book decides what you actually get and no BluChip can be moved to another airline or taken as cash. If you want everyday value or transferable miles, a general rewards card serves you better; if you want the premium IndiGo tier, step up to the IndiGo Axis Bank Premium.
How this page was built
Counted from this card’s own record: 4 earn rules, 1 paid only at named merchants, the spends listed as earning nothing and 4 recorded perks.
Last updated 23 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the IndiGo Axis Bank Credit Card are taken from Axis Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 23 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Axis Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Read more
Guides and reviews related to this card.
IndiGo Axis Bank Credit Card
The entry rung of the IndiGo × Axis co-brand on the IndiGo BluChip programme — 3 BluChips per ₹100 on IndiGo, 2 on grocery and dining, 1 elsewhere, for a ₹799 fee that a 1,200-BluChip renewal voucher mostly offsets. Genuinely useful if IndiGo is your default airline, but BluChips are a closed, dynamically-priced currency worth about 42 paise each, so the real return is well below the headline rates.
IndiGo Axis Bank Premium Credit Card
The top tier of the IndiGo × Axis co-brand — 7 IndiGo BluChips per ₹100 on IndiGo spends, 3 on grocery and hotels, 2 elsewhere, with a 5,000-BluChip welcome and renewal voucher, four spend milestones and a strong lounge stack, for a ₹5,000 fee. It earns its keep for a heavy IndiGo flyer who redeems into fares, but BluChips are a closed, dynamically-priced currency worth about 42 paise each.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2026 · last change Aug 2026
2026
- ▼ FeeObserved 29 Jul 2026 · Effective 28 Aug 2026
Dynamic currency conversion markup more than doubles to 3.5%
1.5% + GST→3.5% + GST
Axis Bank raised the dynamic currency conversion mark-up from 1.5% to 3.5% plus GST. DCC applies when an overseas merchant offers to bill you in rupees instead of the local currency, and it stacks on top of the usual foreign-currency mark-up. Declining the rupee option at the terminal and paying in the local currency avoids the charge entirely.
Verification: Axis Bank ↗ · Confidence: High
- ▼ FeeObserved 29 Jul 2026 · Effective 28 Aug 2026
New top late-payment slab of Rs 1,300 above Rs 50,000
Rs 1,200 on any total payment due above Rs 10,000→Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000
Axis Bank added a fifth late-payment slab. Everything up to Rs 50,000 is unchanged, but a total payment due of more than Rs 50,000 now attracts Rs 1,300 instead of Rs 1,200. The same notice fixes the order in which a payment is applied to the outstanding: fees and charges including taxes first, then EMIs, interest, purchases and cash advances.
Verification: Axis Bank ↗ · Confidence: High
- ▼ RewardObserved 29 Jul 2026 · Effective 28 Aug 2026
Tolls and road fees stop earning rewards; gift cards split into their own category
Bridge fees, road fees and tolls earned at the normal rate→No rewards or cashback on bridge fees, road fees and tolls
Axis Bank added bridge fees, road fees and tolls to the spends that earn nothing. Separately, gift card purchases move out of the Wallet spend category into a new Gift Card category; they already earned no rewards, and they continue to be excluded from spend-based fee waivers and milestone thresholds.
Verification: Axis Bank ↗ · Confidence: High
- ▲ WelcomeEffective 3 Jul 2026
Welcome BluChips temporarily doubled
1,200 BluChips→2,400 BluChips + 6E Eats voucher
For new applications submitted through 31 July 2026 (extended from an original 30 June 2026 window), Axis Bank doubled the base card's welcome voucher from 1,200 to 2,400 IndiGo BluChips plus a 6E Eats voucher. This is a limited-time acquisition promotion, not a permanent change to the card's standard 1,200-BluChip welcome/renewal terms.
Verification: CardAdvisor Research · Confidence: High
- ◆ LaunchEffective 18 Feb 2026
IndiGo Axis Bank Credit Card launches
Axis Bank and IndiGo launched the entry-tier IndiGo Axis Bank Credit Card (₹799+GST) alongside a Premium sibling, earning IndiGo BluChips at 3/₹100 on IndiGo, 2/₹100 on grocery & dining and 1/₹100 elsewhere. BluChips are a dynamic, fare-linked currency redeemable only against IndiGo bookings — not a fixed-value point — so the headline 3/2/1 rates run closer to ~1.5%/1%/0.5% real return in practice.
Verification: Axis Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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