In-depth review
SpiceJet Axis Bank Voyage Black Credit Card
The premium SpiceJet co-brand — up to 28 SpiceClub points per ₹200 on SpiceJet bookings (~7% value), a ₹4,000 welcome voucher, SpiceClub Gold and 8 lounge visits. The richest way to earn on SpiceJet spend, but a ₹2,000 fee raises the stakes on the same single-airline bet: every point is locked to a carrier whose reliability has been persistently troubled.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹4,000 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
14 points/₹100 on Travel (~7% value)
Up to 28 SpiceClub points per ₹200 (~7% value) on SpiceJet bookings (website and app)
3% on Online Shopping
12 SpiceClub points per ₹200 (~3%) on online entertainment, food orders and bill payments
Airport Lounge Access
8 complimentary domestic lounge visits a year (2 per quarter)
Fuel Surcharge Waiver
1% waiver on fuel transactions
Milestone Bonus
~₹2,000 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
₹4,000
Estimated annual value
3.5%
Forex markup
7.0%
Travel reward rate
AIRLINE / TRAVEL PARTNERS
- Domestic airport lounge access (worth ~₹4,000/yr)
- Miles on: SpiceJet
- 7.0% effective return on travel bookings
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹1,000
Milestone bonus value
- 2,000 SpiceClub points on every successful renewal of the card
A heavy, committed SpiceJet flyer who spends enough on the airline to make the ~7% earn and ₹4,000 welcome voucher pay for the ₹2,000 fee, and who can redeem points on SpiceJet flights promptly. For anyone who is not tied to SpiceJet, a network-neutral premium travel card is the safer choice.
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 | 7%14 pts/₹100 × ₹0.50 | — |
| Online Shopping | reward points | 3%6 pts/₹100 × ₹0.50 | — |
| Other | reward points | 1.5%3 pts/₹100 × ₹0.50 | — |
Travel: Up to 28 SpiceClub points per ₹200 (~7% value) on SpiceJet bookings (website and app) · SpiceJet
Online Shopping: 12 SpiceClub points per ₹200 (~3%) on online entertainment, food orders and bill payments
Other: 6 SpiceClub points per ₹200 (~1.5%) on all other spends
Earns nothing on: Fuel · Wallet Loads · EMI Conversions · Rent · 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) | ₹2,360 |
| Joining fee (incl. 18% GST) | ₹2,360 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% |
Perks & benefits
Estimated annual value beyond rewards — ~₹10,400/yr in total.
8 complimentary domestic lounge visits a year (2 per quarter)
4,000 SpiceClub points when annual spend reaches ₹2 lakh
A further 6,000 SpiceClub points when annual spend reaches ₹4 lakh (10,000 milestone points in a full year)
2,000 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
- ₹2,00,000 a year₹2,000 of value
- ₹4,00,000 a year₹3,000 of value
Should you get it?
- Best for: Heavy, committed SpiceJet flyers, Travellers who can redeem points on SpiceJet fares promptly
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Online Shopping (3% back; 7% only at SpiceJet).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- Up to 28 SpiceClub points per ₹200 (~7% value) on SpiceJet bookings
- ₹4,000 welcome voucher and SpiceClub Gold membership
- 8 domestic lounge visits a year plus milestone and renewal points
✕ Cons
- All earning is locked to SpiceJet — an airline with well-documented reliability problems
- ₹2,000 fee raises the stakes on a single-airline bet
- Fuel, wallet loads and EMI earn no points
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 Gold 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
All the earning power is locked to one airline whose financial and operational stability has repeatedly been in doubt. A higher ₹2,000 fee raises the stakes on that single-airline bet.
Frequently asked questions
What is the earn rate?
What is the welcome benefit?
How does the Black differ from the base Voyage?
Is the SpiceJet co-brand a risk?
How will Axis apply my payment across the outstanding balance from 28 August 2026?
How has the SpiceJet Axis Bank Voyage Black Credit Card changed over time?
Has the SpiceJet Axis Bank Voyage Black Credit Card been devalued recently?
When did the SpiceJet Axis Bank Voyage Black Credit Card's fees last change?
How did the SpiceJet Axis Bank Voyage Black Credit Card change in 2026?
The bottom line
The Voyage Black is the richest way to earn on SpiceJet spend — ~7% back plus a ₹4,000 welcome voucher and real lounge access. But every rupee of that value is staked on SpiceJet continuing to fly the routes you want, and the airline's track record makes that a live concern. Buy it only if you are a genuine SpiceJet regular; otherwise a general premium travel card gives you miles you can actually use anywhere.
How this page was built
Counted from this card’s own record: 3 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 Black 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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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 — new ancillary fees, DCC markup raised
DCC markup 1%; capped rent surcharge; no reversal fee→DCC markup 1.5%; uncapped 1% rent surcharge; new reversal & high-spend fees
A portfolio-wide repricing effective 20 December 2024 hit the Voyage Black along with the rest of Axis's card range: the dynamic-currency-conversion markup rose from 1% to 1.5%, the rent-transaction surcharge became an uncapped 1% (was 1% capped ₹1,500), cash-payment-at-branch went ₹100→₹175, and new charges were added — a 2% auto-debit-reversal/cheque-return fee (min ₹500), a 1% fee on wallet loads above ₹10,000, fuel above ₹50,000 and utility bills above ₹25,000, and a ₹100/month penalty for a min-due unpaid two cycles running. The standard finance charge was fixed at 3.75%/month (the rate the card carries today).
Verification: Axis Bank ↗ · Confidence: High
2022
- ◆ LaunchEffective 2022
SpiceJet Axis Bank Voyage Black launched
Axis Bank and SpiceJet launched the co-branded Voyage pair in May 2022 at a branded-livery event at Delhi's IGI Airport, with Voyage Black as the premium tier at a ₹2,000 joining/annual fee. It earned up to 28 SpiceClub points per ₹200 on SpiceJet spends (12 as a card benefit plus 16 as SpiceClub Gold membership benefit), 12 per ₹200 on online entertainment/food/bill payments and 6 per ₹200 elsewhere, with a ₹4,000 SpiceJet voucher welcome benefit, complimentary SpiceClub Gold membership and 8 domestic lounge visits a year.
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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