Axis Bank
Gold · SpiceJet Voyage
SpiceJet Axis Bank Voyage Credit Card
Axis Bank
Earn Spiceclub points on every SpiceJet and online spend
Annual Fee
₹750
Joining Fee
₹750
Reward Rate
0.4%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹4,115
Total Annual Benefits
₹5,000
Total Annual Charges
₹885
ROI
465%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Travel Benefits (1)
18 Spiceclub Points per ₹200 on SpiceJet
Earn 18 Spiceclub loyalty points per ₹200 spent on SpiceJet flight bookings
- • Valid on SpiceJet website and app bookings
18 Spiceclub/₹200
Cashback Benefits (1)
6 Spiceclub Points per ₹200 Online
Earn 6 Spiceclub points per ₹200 on all online transactions
- • Valid on online transactions
6 Spiceclub/₹200
Reward Points (1)
3 Spiceclub Points per ₹200 on Other Spends
Earn 3 Spiceclub loyalty points per ₹200 on all other retail transactions
- • Applies to all other spends
3 Spiceclub/₹200
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- • Valid on transactions ₹400–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
Spiceclub Loyalty Points
3–18 Spiceclub points per ₹200
Effective cashback: 0.38%
Points expire: 2 years from date of accrual
Redemption Options
- → Free SpiceJet flights
- → SpiceJet upgrades
- → SpiceJet merchandise
Bonus Categories
SpiceJet
6x multiplier
18 Spiceclub points per ₹200
Online
2x multiplier
6 Spiceclub points per ₹200
Other
1x multiplier
3 Spiceclub points per ₹200
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹750 Excluding GST at 18% |
| Annual Fee | ₹750 Excluding GST at 18% |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.6%
- Late Payment Fee
- ₹750
- 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: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹20,000
- Min. Annual Income
- ₹2,40,000
- Min. Credit Score
- 650
- Age Range
- 18 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹20,000
- • Self-Employed: ITR > ₹2.4 Lakh p.a.
- • Age 18–65 years
- • Ideal for frequent SpiceJet flyers
Insurance Coverage
Accidental Death
₹20.0 L
Permanent Disability
₹20.0 L
Travel Insurance
₹5.0 L
Lost Card Liability
₹2.0 L
Report within 24h
- • Air accident cover: ₹20 Lakh
- • Travel insurance: ₹5 Lakh
- • Lost card liability: ₹2 Lakh
- • Report loss within 24 hours for coverage
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility SpiceJet co-branded airline rewards Priority check-in at SpiceJet
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 Credit Card is a Visa Gold tier co-branded airline card offering 18 Spiceclub points per ₹200 on SpiceJet bookings, 6 po...
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