In-depth review
SpiceJet Axis Bank Voyage Credit Card
A low-fee SpiceJet co-brand earning SpiceClub points — up to 18 per ₹200 on SpiceJet bookings (~4.5% value) — with a ₹1,500 welcome flight voucher and four spend-gated lounge visits. The earn is fine; the catch is that every point is locked to SpiceJet, an airline whose reliability has been persistently troubled. A card for committed SpiceJet regulars, not a general travel card.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,500 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
9 points/₹100 on Travel (~4.5% value)
Up to 18 SpiceClub points per ₹200 (~4.5% value) on SpiceJet bookings (website and app)
1.5% on Dining
6 SpiceClub points per ₹200 (~1.5%) on online food orders
Airport Lounge Access
4 complimentary domestic lounge visits a year, unlocked by ₹50,000 of spend in the previous quarter
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹400/month
Milestone Bonus
~₹1,000 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
4.5%
Travel reward rate
AIRLINE / TRAVEL PARTNERS
- Domestic airport lounge access (worth ~₹2,000/yr)
- Miles on: SpiceJet
- 4.5% effective return on travel bookings
A frequent SpiceJet flyer who books often enough to burn SpiceClub points on SpiceJet fares before any devaluation, and who values the ₹1,500 welcome voucher against the low ₹750 fee. If you do not fly SpiceJet regularly, a network-neutral travel or rewards card serves you far better.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.50. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travelonly at SpiceJet | reward points | 4.5%9 pts/₹100 × ₹0.50 | — |
| Dining | reward points | 1.5%3 pts/₹100 × ₹0.50 | — |
| OTT & Entertainment | reward points | 1.5%3 pts/₹100 × ₹0.50 | — |
| Utility Bills | reward points | 1.5%3 pts/₹100 × ₹0.50 | — |
| Other | reward points | 0.75%1.5 pts/₹100 × ₹0.50 | — |
Travel: Up to 18 SpiceClub points per ₹200 (~4.5% value) on SpiceJet bookings (website and app) · SpiceJet
Dining: 6 SpiceClub points per ₹200 (~1.5%) on online food orders
OTT & Entertainment: 6 SpiceClub points per ₹200 (~1.5%) on online entertainment
Utility Bills: 6 SpiceClub points per ₹200 (~1.5%) on online bill payments
Other: 3 SpiceClub points per ₹200 (~0.75%) on all other domestic and international spends
Earns nothing on: Fuel · Wallet Loads · EMI Conversions · 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 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹885 |
| Joining fee (incl. 18% GST) | ₹885 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Add-on card fee | Free |
| Fuel surcharge waiver | 1%, cap ₹400 |
Perks & benefits
Estimated annual value beyond rewards — ~₹5,400/yr in total.
4 complimentary domestic lounge visits a year, unlocked by ₹50,000 of spend in the previous quarter
2,000 SpiceClub points when annual spend reaches ₹1 lakh
A further 3,000 SpiceClub points when annual spend reaches ₹2 lakh (5,000 milestone points in a full year)
1,000 SpiceClub points on every successful renewal of the card
1% fuel surcharge waiver on fuel transactions of ₹400–4,000 (up to ₹400 a month)
Milestone ladder
- ₹1,00,000 a year₹1,000 of value
- ₹2,00,000 a year₹1,500 of value
Should you get it?
- Best for: Frequent SpiceJet flyers, Travellers who will burn points on SpiceJet fares promptly
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Dining (1.5% back; 4.5% only at SpiceJet).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- Up to 18 SpiceClub points per ₹200 (~4.5% value) on SpiceJet bookings
- ₹1,500 welcome flight voucher and SpiceClub Silver membership
- Low ₹750 fee with milestone points and renewal bonus
✕ Cons
- SpiceClub points are locked to SpiceJet — an airline with well-documented reliability problems
- Lounge access is spend-gated (₹50,000 in the prior quarter) and limited to 4 visits a year
- Fuel, wallet loads and EMI earn no points
- No fee waiver at any level of spend — Axis's own value chart still charges the ₹750 at ₹2.5 lakh
- The accelerated 6-points-per-₹200 rate covers only online food, bills and entertainment; general e-commerce drops to the 3-per-₹200 base rate
- Axis charges a 1% surcharge on rent (uncapped) and on wallet loads, online skill-based gaming, utility and fuel spends past monthly thresholds
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.
- 🎁Redeem SpiceClub points against SpiceJet flight bookings (~₹0.50 per point)
- 🎁SpiceJet vouchers and SpiceClub membership benefits
What your SpiceJet SpiceClub are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
₹0.50 per point — marked down from the airline baseline because a budget-carrier currency only pays down fare
SpiceClub points are locked to a single airline whose financial and operational stability has been repeatedly in question — co-brand risk here is real, and points you cannot redeem on a flight are worth little.
Frequently asked questions
What is a SpiceClub point worth?
What is the welcome benefit?
Is the SpiceJet co-brand a risk?
Is the annual fee waived on any spend?
How will Axis apply my payment across the outstanding balance from 28 August 2026?
How has the SpiceJet Axis Bank Voyage Credit Card changed over time?
Has the SpiceJet Axis Bank Voyage Credit Card been devalued recently?
When did the SpiceJet Axis Bank Voyage Credit Card's fees last change?
How did the SpiceJet Axis Bank Voyage Credit Card change in 2026?
The bottom line
The Voyage earns well on SpiceJet spend and costs little, but its value is only as sound as SpiceJet's flight schedule. SpiceClub points are useful only if you can actually book and fly SpiceJet, and the airline's reliability has been shaky — so treat this as a card for committed SpiceJet regulars, not a general travel card. For airline-agnostic miles, an Axis Atlas-style card is a safer home for your spend.
How this page was built
Counted from this card’s own record: 5 earn rules, 1 paid only at named merchants, the spends listed as earning nothing and 5 recorded perks.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the SpiceJet Axis Bank Voyage 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 11 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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Guides and reviews related to this card.
SpiceJet Axis Bank Voyage Credit Card
A low-fee SpiceJet co-brand earning SpiceClub points — up to 18 per ₹200 on SpiceJet bookings (~4.5% value) — with a ₹1,500 welcome flight voucher and four spend-gated lounge visits. The earn is fine; the catch is that every point is locked to SpiceJet, an airline whose reliability has been persistently troubled. A card for committed SpiceJet regulars, not a general travel card.
IndiGo Kotak Credit Card
The base tier of the Kotak x IndiGo co-brand at ₹1,500 — a 2,500-BluChip welcome voucher, a matching 2,500 on every renewal, and milestone vouchers worth up to 7,500 BluChips a year. Read the 'up to 19 BluChips per ₹100' headline carefully: only 3 of those come from the card. And unlike the ₹3,000 IndiGo XL, this one has no lounge access at all.
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 2022 · 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
2024
- ▼ FeeEffective 20 Dec 2024
Bank-wide charges revision raises ancillary fees
Lower/absent ancillary fees; DCC markup 1%; branch cash payment ₹100→Finance charge standardised to 3.75%/month; DCC markup 1.5%; branch cash payment ₹175; rent surcharge 1% uncapped; new auto-debit-reversal and minimum-due penalty fees
A portfolio-wide Axis Bank repricing effective 20 December 2024 applied to this card's general charges: the finance charge was standardised to 3.75%/month, the dynamic-currency-conversion markup rose from 1% to 1.5%, branch cash-payment and rent-surcharge fees increased, and new auto-debit-reversal and unpaid-minimum-due penalty fees were introduced. The EDGE-points-specific redemption/conversion fees in the same circular do not apply here, since the card earns SpiceClub points rather than EDGE points.
Verification: CardAdvisor Research · Confidence: High
2022
- ◆ LaunchEffective 12 May 2022
Axis Bank and SpiceJet launch the co-branded Voyage credit card
Axis Bank and SpiceJet launched a pair of Visa co-brand cards — the entry-tier Voyage and the premium Voyage Black — at an IGI Airport event. The base Voyage earns up to 18 SpiceClub points per ₹200 on SpiceJet bookings, 6 per ₹200 on other online spends and 3 per ₹200 elsewhere, with a ₹1,500 SpiceJet welcome voucher on two transactions within 30 days, complimentary SpiceClub Silver membership, four spend-gated domestic lounge visits a year and a ₹750 joining fee.
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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