Deep-Dive Review: SpiceJet Axis Bank Voyage Credit Card

Community Verdict

[!NOTE] The SpiceJet Axis Bank Voyage Credit Card is a Visa co-branded travel card with up to 18 SpiceClub Points per ₹200 spent on SpiceJet mobile app & website (12 as SpiceClub Silver member + 6 on card spends). Welcome benefit: SpiceJet flight voucher worth ₹1,500 on 2 transactions within 30 days, plus complimentary SpiceClub Silver membership. Base earn is 3 SpiceClub Points per ₹200 on all other retail; 6 points per ₹200 on online food/bill payment/entertainment. Annual fee is Nil in Year 1, ₹750 from Year 2 onwards with no spend waiver. Lounge access is 4 domestic visits/year (1 per quarter, subject to ₹50K spend gate in previous quarter). Milestones: 2,000 bonus SpiceClub Points at ₹1L annual spend, 3,000 at ₹2L, plus 1,000 on every successful renewal. Caveat: SpiceJet has had operational turbulence and merger activity — co-branded utility may be limited.

Pros

• Up to 18 SpiceClub Points on SpiceJet: 12 points as SpiceClub Silver + 6 on card spends per ₹200 on SpiceJet app & website — strong earn on the brand.
• SpiceJet Flight Voucher Welcome: ₹1,500 worth on completion of 2 transactions within 30 days of card issuance.
• Complimentary SpiceClub Silver Membership: On card issuance — covers the basics of tier benefits without extra spend.
• First-Year Annual Fee Nil: Year 1 is free; ₹750 only from Year 2 onwards — low-risk trial.
• 6 SpiceClub Points on Online Food/Bill/Entertainment: 3% effective earn on Swiggy, Zomato, Netflix, etc.
• Milestone Bonuses: 2,000 bonus SpiceClub Points at ₹1L annual spend; 3,000 at ₹2L.
• Renewal Bonus: 1,000 bonus SpiceClub Points on every successful card renewal.
• 4 Domestic Lounge Visits/Year: 1 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 at 4,000+ partner restaurants.
• 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 ₹1,500+ convertible to easy EMIs.

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 ₹750 — no threshold to reverse it.
• Reward Redemption Limited to SpiceJet: Points only usable against SpiceJet flight tickets and 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 per quarter to unlock the 1 visit.
• 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 the 3-point base 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.

Reward Spends & Categories

Category Spend	Earning Rate / Reward Points
✈️ SpiceJet Mobile App & Website	Up to 18 SpiceClub Points per ₹200 (12 SpiceClub Silver + 6 on card spends)
🍔 Online Food Delivery	6 SpiceClub Points per ₹200
💡 Online Bill Payment	6 SpiceClub Points per ₹200
🎬 Online Entertainment	6 SpiceClub Points per ₹200
🛍️ All Other Retail (domestic & international)	3 SpiceClub Points per ₹200
🍽️ Dining (4,000+ partner restaurants)	3 SpiceClub Points + up to ₹1,000 off via Dining Delights
✈️ Flights / Hotels (Wednesday Delight)	3 SpiceClub Points + up to 15% off via MMT
🥦 Groceries / Online Shopping	3 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 ₹1,500 on completion of 2 transactions within 30 days of card issuance.
• SpiceClub Silver Membership: Complimentary on card issuance.
• Milestone 1: 2,000 bonus SpiceClub Points on ₹1L annual spend in card membership year.
• Milestone 2: 3,000 bonus SpiceClub Points on ₹2L annual spend in card membership year.
• Renewal Bonus: 1,000 bonus SpiceClub Points on every successful card renewal.

Airport Lounge & Travel Perks

[!IMPORTANT]

• Domestic Lounges: 4 complimentary visits per calendar year (1 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: 1 visit per calendar quarter — calendar-year aggregate of 4 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	₹750
Annual Fee (Year 1)	Nil
Annual Fee (Year 2 onwards)	₹750 (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
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:

• Occasional SpiceJet flyers wanting a low-fee entry into SpiceClub Silver (18 points/₹200 on the brand)
• Users who book SpiceJet via the mobile app or website (earn rate depends on it)
• Moderate online food / bill payment / entertainment spenders (6 points/₹200 = 3% effective)
• Year 1 fee-waiver makes it a low-risk trial before deciding whether to upgrade to Voyage Black

Skip if you:

• Want flexible rewards — points are SpiceJet-locked
• Don’t fly SpiceJet regularly — base 3 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)

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For official terms, interest rates, and applications, refer to the Bank Reference Page.

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