SpiceJet Axis Bank Voyage Black Credit Card
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Community Consensus
Consensus Note: SpiceJet Axis Bank Voyage Black Credit Card issued by Axis Bank remains a flagship choice for SpiceJet loyalists wanting SpiceClub Gold + flight vouchers (limited utility post-merger). Verified user discussions highlight strong yields on spending thresholds.
At-A-Glance Quick Facts
AI Verdict CredSutra Engine
Synthesized objective algorithmic score
The SpiceJet Axis Bank Voyage Black Credit Card issued by Axis Bank offers competitive value for SpiceJet loyalists wanting SpiceClub Gold + flight vouchers (limited utility post-merger). Audit your monthly spending against its ₹2,000 (from Year 2 onwards — no spend waiver) fee structure.
Key Trade-offs & Considerations
- ⚡ Annual fee of ₹2,000 (from Year 2 onwards — no spend waiver)
- ⚡ Lounge access policy: 8 domestic lounge visits/year (subject to ₹50K quarterly spend gate)
- ⚡ Reward rate: Up to 28 SpiceClub Points per ₹200 on SpiceJet; 12 on online food/bill/entertainment; 6 base
Key Benefits & Characteristics
Category Rewards Multiplier Matrix
| Spend Category | Earning Multiplier / Return Rate |
|---|---|
| flight Travel & Flights | 2% to 5% points |
| shopping_cart Online Shopping & SaaS | 1% to 5% cashback |
| storefront Offline Retail Stores | 1% reward points |
| account_balance Government & Tax Pay | 0.5% (Caps apply) |
| house Rent & Wallet Loads | Excluded / 1% surcharge |
receipt_long Fee & Surcharge Breakdown
Detailed Analysis & Review
Deep-Dive Review: SpiceJet Axis Bank Voyage Black Credit Card
Community Verdict
[!NOTE] The SpiceJet Axis Bank Voyage Black Credit Card is a RuPay co-branded travel card with up to 28 SpiceClub Points per ₹200 spent on SpiceJet mobile app & website (16 as SpiceClub Gold member + 12 on card spends). Welcome benefits include a SpiceJet flight voucher worth ₹4,000 on 2 transactions within 30 days, plus complimentary SpiceClub Gold membership with add-on vouchers worth ₹7,500. Base earn is 6 SpiceClub Points per ₹200 on all other retail; 12 points per ₹200 on online food/bill payment/entertainment. Annual fee is ₹Nil in Year 1, ₹2,000 from Year 2 onwards with no spend waiver. Lounge access is 8 domestic visits/year (subject to ₹50K spend gate in previous quarter). Milestones: 4,000 bonus SpiceClub Points at ₹2L annual spend, 6,000 at ₹4L, plus 2,000 on every successful renewal. Caveat: SpiceJet has had operational turbulence and merger activity — co-branded utility may be limited.
Pros
- Up to 28 SpiceClub Points on SpiceJet: 16 points as SpiceClub Gold + 12 on card spends per ₹200 on SpiceJet app & website — extremely rich earn.
- SpiceJet Flight Voucher Welcome: ₹4,000 worth on completion of 2 transactions within 30 days of card issuance.
- Complimentary SpiceClub Gold Membership: Comes with add-on SpiceJet vouchers worth ₹7,500 — significant first-year value.
- First-Year Annual Fee Nil: Year 1 is free; ₹2,000 only from Year 2 onwards.
- 12 SpiceClub Points on Online Food/Bill/Entertainment: 6% effective earn on Swiggy, Zomato, Netflix, etc.
- Milestone Bonuses: 4,000 bonus SpiceClub Points at ₹2L annual spend; 6,000 at ₹4L.
- Renewal Bonus: 2,000 bonus SpiceClub Points on every successful card renewal.
- 8 Domestic Lounge Visits/Year: 2 per quarter at select domestic airports (subject to ₹50K spend gate in previous quarter).
- 1% Fuel Surcharge Waiver: ₹400–₹4,000 transactions, max ₹400/month.
- Dining Delights: Up to ₹1,000 off via Axis Bank Dining Delights Program.
- Wednesday Delight: Up to 15% off flights/hotels via MMT; 10% off Swiggy; 10% off up to ₹1,000 on Tira.
- Fraud Liability Cover: ₹50,000.
- EMI Conversion: Purchases of ₹2,500+ convertible to EMI.
Cons
- ⚠️ SpiceJet Operational Risk: SpiceJet has had merger/winding-down discussions; co-branded card utility may be limited going forward.
- Annual Fee Has No Spend Waiver: Year 2 onwards ₹2,000 — no threshold to reverse it.
- Reward Redemption Limited to SpiceJet: Points only usable against SpiceJet flight tickets, meal vouchers via SpiceJet app/website — no cash, no other airlines, no vouchers.
- Domestic Lounge Spend Gate: ₹50,000 minimum spend in previous quarter required.
- No International Lounge Access: Domestic only — no Priority Pass.
- Welcome Benefit Conditional: SpiceJet voucher requires 2 transactions within 30 days.
- High Forex Markup 3.5% + 1.5% DCC: Not for international use — erodes 6-point earn.
- No Cashback on Fuel: Just 1% surcharge waiver.
- Multiple 1% Surcharges (effective 20 Dec 2024): Rent (1%), utilities ≥₹25K/cycle, fuel ≥₹50K/cycle, wallet ≥₹10K/cycle, education via 3rd party, gaming ≥₹10K/cycle.
- Cash Withdrawal Strict: 2.5% fee (Min ₹500).
- No Travel Insurance: No air accident, baggage, or flight delay cover.
- No Premium Concierge: No dedicated phone/email support.
- Decision Communicated Within 21 Working Days: Slow approval turnaround vs instant-approval cards.
Reward Spends & Categories
| Category Spend | Earning Rate / Reward Points |
|---|---|
| ✈️ SpiceJet Mobile App & Website | Up to 28 SpiceClub Points per ₹200 (16 SpiceClub Gold + 12 on card spends) |
| 🍔 Online Food Delivery | 12 SpiceClub Points per ₹200 |
| 💡 Online Bill Payment | 12 SpiceClub Points per ₹200 |
| 🎬 Online Entertainment | 12 SpiceClub Points per ₹200 |
| 🛍️ All Other Retail (domestic & international) | 6 SpiceClub Points per ₹200 |
| 🍽️ Dining (4,000+ partner restaurants) | 6 SpiceClub Points + up to ₹1,000 off via Dining Delights |
| ✈️ Flights / Hotels (Wednesday Delight) | 6 SpiceClub Points + up to 15% off via MMT |
| 🥦 Groceries / Online Shopping | 6 SpiceClub Points per ₹200 |
| 💡 Utilities (offline) | 0% (1% fee on cumulative ≥₹25,000/statement cycle, effective 20 Dec 2024) |
| 🏠 Rent (MCC 6513) | 0% (1% fee per transaction) |
| ⛽ Fuel | 0% (1% surcharge waiver ₹400–₹4,000; max ₹400/month) |
| 💳 Wallet Load (MCC 6540) | 0% (1% fee on cumulative ≥₹10,000/statement cycle, effective 20 Dec 2024) |
| 🏛️ Government & Tax | 0% (Excluded) |
| 🎓 Education (3rd-party apps) | 0% (1% fee applicable) |
| 🎮 Online Skill-Based Gaming | 0% (1% fee on cumulative ≥₹10,000/statement cycle, effective 20 Dec 2024) |
| 🛡️ Insurance | 0% (Excluded) |
| 💳 EMI Conversion | 0% (Excluded) |
Reward Point Redemption
SpiceClub Points (not EDGE REWARDS, not SmartBuy). Redemption options:
- SpiceJet flight tickets — Book via SpiceJet mobile app & website
- Meal vouchers on SpiceJet flights — App/website only
- No cash redemption — Points are SpiceJet-ecosystem locked
[!IMPORTANT] SpiceClub Points are ONLY redeemable against SpiceJet flight tickets and meal vouchers via the SpiceJet mobile app & website. There is no cash, voucher, or partner transfer option.
Annual Milestones & Welcome Benefit
[!IMPORTANT]
- Welcome Benefit: SpiceJet flight voucher worth ₹4,000 on completion of 2 transactions within 30 days of card issuance.
- SpiceClub Gold Membership: Complimentary on card issuance + SpiceJet add-on vouchers worth ₹7,500.
- Milestone 1: 4,000 bonus SpiceClub Points on ₹2L annual spend in card membership year.
- Milestone 2: 6,000 bonus SpiceClub Points on ₹4L annual spend in card membership year.
- Renewal Bonus: 2,000 bonus SpiceClub Points on every successful card renewal.
Airport Lounge & Travel Perks
[!IMPORTANT]
- Domestic Lounges: 8 complimentary visits per calendar year (2 per quarter) at select domestic airports. Spend gate: ₹50,000 minimum spend in previous quarter.
- International Lounges: Not included.
- Priority Pass: Not included.
- Visit Allocation: 2 visits per calendar quarter — calendar-year aggregate of 8 visits.
- Travel Insurance: Fraud Liability Cover ₹50,000 only. No air accident, baggage, or flight delay cover.
Fees & Charges — Snapshot
| Fee / Charge | Amount |
|---|---|
| Joining Fee | ₹Nil (Year 1); ₹2,000 (Year 2 onwards) |
| Annual Fee (Year 1) | Nil |
| Annual Fee (Year 2 onwards) | ₹2,000 (no spend waiver) |
| Add-on Card Fee | Nil |
| Foreign Currency Markup | 3.5% + 1.5% DCC |
| Cash Withdrawal Fee | 2.5% (Min ₹500) |
| Cash Payment Fee | ₹175 |
| Reward Redemption Fee | Nil |
| Finance Charges | 3.75% per month (55.55% p.a.) |
| Fuel Surcharge | 1% (waived ₹400–₹4,000; max ₹400/month) |
| Late Payment Fee | Slab: ₹0/₹500/₹750/₹1,200/₹1,300 |
| Over Limit Penalty | 2.5% of overlimit (Min ₹500) |
| Rent Surcharge | 1% per transaction |
| Card Replacement Fee | Nil |
| Duplicate PIN Fee | Nil |
Who Should Get This Card?
Best suited for:
- Hardcore SpiceJet loyalists who fly SpiceJet 5+ times a year (28 points/₹200 = real value)
- Users who book SpiceJet via the mobile app or website (earn rate depends on it)
- Heavy online food / bill payment / entertainment spenders (12 points/₹200 = 6% effective)
- Anyone wanting SpiceClub Gold status + ₹7,500 add-on vouchers upfront
- Year 1 fee-waiver means low-risk trial
Skip if you:
- Want flexible rewards — points are SpiceJet-locked
- Don’t fly SpiceJet regularly — base 6 points/₹200 is below market average
- Want international lounge access or Priority Pass
- Need air accident / baggage insurance
- Prefer cards with broader reward redemption (vouchers, cashback, transfer partners)
- Want annual fee waiver (no waiver exists for this card from Year 2)
For official terms, interest rates, and applications, refer to the Bank Reference Page.
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