Axis Bank
Signature · SpiceJet Voyage Black
SpiceJet Axis Bank Voyage Black Credit Card
Axis Bank
Premium SpiceJet rewards with 28 points per ₹200 on flights
Annual Fee
₹2,000
Joining Fee
₹2,000
Reward Rate
0.8%
Forex Markup
2%
Value Analysis
Annual Net Value
₹42,640
Total Annual Benefits
₹45,000
Total Annual Charges
₹2,360
ROI
1807%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Travel Benefits (2)
28 Spiceclub Points per ₹200 on SpiceJet
Earn 28 Spiceclub loyalty points per ₹200 spent on SpiceJet flight bookings
- • Valid on SpiceJet website and app bookings
28 Spiceclub/₹200
Low Forex Markup
Only 2% currency markup on international transactions
2%
Food & Dining (1)
12 Spiceclub Points per ₹200 on Food & Entertainment
Earn 12 Spiceclub points per ₹200 on food delivery and entertainment spends
- • Valid on food delivery, restaurants, and entertainment
12 Spiceclub/₹200
Reward Points (1)
6 Spiceclub Points per ₹200 on Other Spends
Earn 6 Spiceclub loyalty points per ₹200 on all other retail transactions
- • Applies to all other spends
6 Spiceclub/₹200
Airport Lounge Access (1)
Domestic & International Lounge Access
8 domestic lounge visits per quarter and 2 international lounge visits per year
- • Domestic via Dreamfolks
- • International via Priority Pass
32 domestic + 2 intl/year
₹87,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- • Valid on transactions ₹400–₹4,000
- • Max ₹400 per statement cycle
1% waiver
₹4,800/yr
Reward Program
Program
Spiceclub Loyalty Points
6–28 Spiceclub points per ₹200
Effective cashback: 0.75%
Points expire: 2 years from date of accrual
Redemption Options
- → Free SpiceJet flights
- → SpiceJet upgrades
- → SpiceJet merchandise
Bonus Categories
SpiceJet
4.67x multiplier
28 Spiceclub points per ₹200
Food & Entertainment
2x multiplier
12 Spiceclub points per ₹200
Other
1x multiplier
6 Spiceclub points per ₹200
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹2,000 Excluding GST at 18% |
| Annual Fee | ₹2,000 Excluding GST at 18% |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 2%
- Interest Rate (Monthly)
- 3.6%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹400/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹40,000
- Min. Annual Income
- ₹4,80,000
- Min. Credit Score
- 700
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹40,000
- • Self-Employed: ITR > ₹4.8 Lakh p.a.
- • Age 21–65 years
- • Premium SpiceJet frequent flyer card
Insurance Coverage
Accidental Death
₹1.0 Cr
Permanent Disability
₹1.0 Cr
Travel Insurance
₹25.0 L
Lost Card Liability
₹5.0 L
Report within 24h
Air Accident Cover
₹2.5 Cr
- • Air accident cover: ₹2.5 Crore
- • Travel insurance: ₹25 Lakh
- • Lost card liability: ₹5 Lakh
- • Report loss within 24 hours for coverage
Airport Lounge Access
Domestic
8 visits/year
Per quarter
~₹2,500/visit
International
2 visits/year
Per year
~₹3,500/visit
Dreamfolks Priority Pass
- • 8 domestic lounge visits per quarter
- • 2 international lounge visits per year
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security International acceptance Add-on cards available EMI conversion facility Visa Signature privileges SpiceJet co-branded premium airline rewards Priority boarding and check-in Domestic & international lounge access
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The SpiceJet Axis Bank Voyage Black Credit Card is a Visa Signature tier premium co-branded airline card offering 28 Spiceclub points per ₹200 on Spic...
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