Axis Bank
IndiGo Axis Bank Credit Card
Data last verified: 23 October 2026
- Joining fee₹799 + GST
- Annual fee₹799 + GST
- Reward rate0.42% base, up to 0.84% on dining; 1.26% only at partner merchants
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- Joining fee₹799 + GST
- Annual fee₹799 + GST
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
This card earns IndiGo BluChips, which you use on IndiGo flights. You get 3 BluChips per Rs 100 on IndiGo, 2 per Rs 100 on grocery and dining, and 1 per Rs 100 on everything else. There is a milestone bonus of up to 1,200 BluChips as your yearly spend climbs to Rs 3 lakh. It works on UPI.
It costs ₹799 a year plus GST, and no spend-based fee waiver is on offer. Valued at about 42 paisa each, the BluChips give back between 0.4% and 1.3%, so the fee is covered only if you fly IndiGo regularly.
It suits people who fly IndiGo a few times a year. The catch: the one lounge visit a quarter needs Rs 50,000 of spend in the previous quarter, and the forex fee is 3.5%.
Best for: Regular IndiGo flyers, UPI users who want airline rewards, People who spend on grocery and dining.
01IndiGo Axis Bank Credit Card Rewards and Benefits
02IndiGo Axis Bank Credit Card Annual Fee and Charges
- Joining fee
- ₹799 + GST
- Annual fee
- ₹799 + GST
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 0.84%₹42
- ₹15,000 on everything else, earning 0.42%₹63
- Back each month, ₹1,260 a year₹105
- Annual fee with 18% GST−₹943
- In your pocket each year₹317
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Travel only at IndiGo: 1.26% back
- Dining: 0.84% back
- Flyers: 4 airport lounge visits a year
Skip it if…
- you spend less than ₹19,000 a month: below that the ₹943 fee costs more than the rewards
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on IndiGo: the 1.26% rate applies only there, everything else earns 0.42%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- 3 BluChips per ₹100 on IndiGo
- 2 BluChips per ₹100 on grocery and dining
- 1 BluChip per ₹100 on other spends
- Milestone bonus of up to 1,200 BluChips at ₹3 lakh yearly spend
- 1 domestic lounge visit a quarter, after ₹50,000 spend in the previous quarter
- Works on UPI
05Pros and Cons
Pros
- Every spend earns IndiGo BluChips
- Higher earn on grocery and dining
- Can be used on UPI
Cons
- ₹799 fee with no spend waiver
- Lounge visit needs ₹50,000 quarterly spend
- Rewards only useful if you fly IndiGo
- 3.5% forex fee
06How IndiGo Axis Bank Credit Card earns Rewards
0.42% base, up to 0.84% on dining; 1.26% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.42% | No cap | The card's normal rate |
| Dining and food delivery | 0.84% | No cap | All merchants in the categoryTerms: 2 IndiGo BluChips per ₹100 on dining spends |
| Groceries | 0.84% | No cap | All merchants in the categoryTerms: 2 IndiGo BluChips per ₹100 on grocery spends |
| Travel: flights, hotels, trains | 0.42% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 1.26% | No cap | Only at: IndiGoTerms: 3 IndiGo BluChips per ₹100 on IndiGo flights, 6E add-ons and the IndiGo app |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | 0.42% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.42% | No cap | The card's normal rate |
| Everything else | 0.42% | No cap | The card's normal rate |
Terms on the base rate. 1 IndiGo BluChip per ₹100 on all other eligible spends
Point value. 1 point is worth about ₹0.42 at the bank's stated value.
07IndiGo Axis Bank Credit Card Lounge Access and Travel
Domestic lounge access is 4 visits a year. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 0.42% back (the normal rate). See what it costs on your trip
Also on the card. airport lounge access, milestone bonuses.
- Airport lounge access: 1 complimentary domestic airport lounge visit per quarter (4 a year), unlocked by ₹50,000 spend in the preceding 3 months. No international lounge access.
- Milestone bonuses: 1,200 IndiGo BluChips when annual spend reaches ₹1.5 lakh
- Milestone bonuses: A further 1,200 IndiGo BluChips when annual spend reaches ₹3 lakh (2,400 total)
- Milestone bonuses: Renewal voucher of 1,200 IndiGo BluChips each year on payment of the annual fee (the matching welcome voucher is counted separately)
08IndiGo Axis Bank Credit Card Eligibility and Documents
- Age
- 18 to 70 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What Axis Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 28 Aug 2026 | Reduced: Dynamic currency conversion markup more than doubles to 3.5%Source: Axis Bank | 1.5% + GST | 3.5% + GST |
| 28 Aug 2026 | Reduced: New top late-payment slab of Rs 1,300 above Rs 50,000Source: Axis Bank | ₹1,200 on any total payment due above ₹10,000 | ₹1,200 from ₹10,001 to ₹50,000; ₹1,300 above ₹50,000 |
| 28 Aug 2026 | Reduced: Tolls and road fees stop earning rewards; gift cards split into their own categorySource: Axis Bank | Bridge fees, road fees and tolls earned at the normal rate | No rewards or cashback on bridge fees, road fees and tolls |
| 3 Jul 2026 | Changed: Welcome BluChips temporarily doubled | 1,200 BluChips | 2,400 BluChips + 6E Eats voucher |
| 18 Feb 2026 | Changed: IndiGo Axis Bank Credit Card launchesSource: Axis Bank | - | - |
See this card's change history → · All card changes in August 2026 →
10Cards Similar to IndiGo Axis Bank Credit Card
IndiGo Axis Bank Credit Card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IndiGo Axis Bank Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹799 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹799 + GST | Lifetime free | Lifetime free |
| Rewards | 0.42% base, up to 0.84% on dining; 1.26% only at partner merchants | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | 4 visits a year | Unlimited | Not included |
| Forex markup | 3.5% | 0% | 0% |
| Type | Travel | Travel | Dining |
11Explore More
Card facts last verified 23 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
What are BluChips worth?
Roughly 42 paisa each when used on IndiGo, so the card returns about 0.4% to 1.3%.
Is the fee waived?
No spend-based waiver is offered. The ₹799 fee plus GST applies every year.
How do I get lounge access?
Spend ₹50,000 in a quarter to get 1 domestic lounge visit in the next quarter.
What is the joining fee for the IndiGo Axis Bank Credit Card?
The joining fee is ₹799 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IndiGo Axis Bank Credit Card?
The annual fee is ₹799 + GST.
Does the IndiGo Axis Bank Credit Card give airport lounge access?
Yes. Domestic lounge access is 4 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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