Axis Bank
IndiGo Axis Bank Premium Credit Card
Data last verified: 15 October 2026
- Joining fee₹5,000 + GST
- Annual fee₹5,000 + GST
- Reward rate0.84% base, up to 1.26% on groceries; 2.94% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹5,000 + GST
- Annual fee₹5,000 + GST
- Forex markup2.5%
- Interest (APR)3.75% a month, 45% a year
This card earns IndiGo BluChips. You get 7 BluChips per Rs 100 on IndiGo, 3 per Rs 100 on grocery and hotel spends, and 2 per Rs 100 on everything else. There are 5,000 BluChips on joining and milestone BluChips vouchers as your yearly spend grows.
The fee is ₹5,000 plus GST and there is no spend-based waiver. The welcome BluChips offset part of it, but you should fly IndiGo regularly to make the rest back.
It suits loyal IndiGo flyers. The catch is that rewards only make sense if you redeem on IndiGo. Lounge access is also limited: 2 domestic visits a quarter after Rs 50,000 spend in the previous quarter, plus 2 international visits a year.
Best for: Frequent IndiGo flyers, Domestic business travellers, People who redeem for flights.
01IndiGo Axis Bank Premium Credit Card Rewards and Benefits
02IndiGo Axis Bank Premium Credit Card Annual Fee and Charges
- Joining fee
- ₹5,000 + GST
- Annual fee
- ₹5,000 + GST
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 2.5%
- 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 groceries, earning 1.26%₹63
- ₹15,000 on everything else, earning 0.84%₹126
- Back each month, ₹2,268 a year₹189
- Annual fee with 18% GST−₹5,900
- It costs you each year₹3,632
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: 2.94% back
- Groceries: 1.26% back
- Flyers: 10 airport lounge visits a year
Skip it if…
- you spend less than ₹59,000 a month: below that the ₹5,900 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 2.94% rate applies only there, everything else earns 0.84%
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹5,000 plus GST
- No spend-based fee waiver
- 7 BluChips per ₹100 on IndiGo
- 3 BluChips per ₹100 on grocery and hotels, 2 on other spends
- 5,000 BluChips welcome benefit
- 2 domestic lounge visits a quarter on ₹50,000 spend, 2 international a year
05Pros and Cons
Pros
- High earning on IndiGo bookings
- 5,000 BluChips on joining
- Priority Pass for international lounges
- 2.5% forex markup, lower than many cards
Cons
- ₹5,000 fee is never waived
- Rewards are tied to IndiGo
- Domestic lounges need ₹50,000 spend in the previous quarter
06How IndiGo Axis Bank Premium Credit Card earns Rewards
0.84% base, up to 1.26% on groceries; 2.94% 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 | 0.84% | No cap | The card's normal rate |
| Dining and food delivery | 0.84% | No cap | The card's normal rate |
| Groceries | 1.26% | No cap | All merchants in the categoryTerms: 3 IndiGo BluChips per ₹100 on grocery and hotel spends |
| Travel: flights, hotels, trains | 0.84% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 2.94% | No cap | Only at: IndiGoTerms: 7 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 | 0.84% | 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 | 0.84% | No cap | The card's normal rate |
| Everything else | 0.84% | No cap | The card's normal rate |
Terms on the base rate. 2 IndiGo BluChips 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 Premium Credit Card Lounge Access and Travel
Domestic lounge access is 8 visits a year, international is 2 visits a year, through Priority Pass with Priority Pass. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 2.5% forex markup; rewards on it: 0.84% back (the normal rate). See what it costs on your trip
Also on the card. airport lounge access, milestone bonuses, movie ticket offers.
- Airport lounge access: 2 complimentary domestic lounge visits per quarter (8 a year, unlocked by ₹50,000 spend in the prior 3 months) plus complimentary Priority Pass with 2 international visits per year.
- Milestone bonuses: 5,000 IndiGo BluChips when annual spend reaches ₹2 lakh
- Milestone bonuses: A further 5,000 IndiGo BluChips when annual spend reaches ₹12 lakh (20,000 total)
- Milestone bonuses: A further 5,000 IndiGo BluChips when annual spend reaches ₹5 lakh
- Milestone bonuses: A further 5,000 IndiGo BluChips when annual spend reaches ₹8 lakh
- Milestone bonuses: Renewal voucher of 5,000 IndiGo BluChips and a 6E Eats voucher each year on payment of the annual fee (the matching welcome voucher is counted separately)
- Movie ticket offers: BookMyShow buy-one-get-one movie ticket offer, up to ₹250 off per month
08IndiGo Axis Bank Premium Credit Card Eligibility and Documents
- Age
- 18 to 70 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹50,000
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 |
|---|---|---|---|
| 1 Nov 2026 | Reduced: Movie offer now needs Rs 25,000 of spend in the previous 3 monthsSource: Axis Bank | Movie offer available to every cardholder, no spend condition | ₹25,000 of eligible spend in the preceding 3 calendar months |
| 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 |
| 28 Aug 2026 | Reduced: Dynamic currency conversion markup rises to 2.5%Source: Axis Bank | 1.5% + GST | 2.5% + GST |
See all 6 changes on this card → · All card changes in November 2026 →
10Cards Similar to IndiGo Axis Bank Premium Credit Card
IndiGo Axis Bank Premium 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 Premium Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹5,000 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹5,000 + GST | Lifetime free | Lifetime free |
| Rewards | 0.84% base, up to 1.26% on groceries; 2.94% only at partner merchants | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | 8 visits a year | Unlimited | Not included |
| Forex markup | 2.5% | 0% | 0% |
| Type | Travel | Travel | Dining |
11Explore More
Card facts last verified 15 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IndiGo Axis Bank Premium Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Can the ₹5,000 fee be waived?
No, there is no spend-based waiver on this card.
What do I earn on IndiGo bookings?
7 IndiGo BluChips per ₹100 spent on IndiGo.
Do I get lounge access?
Yes, 2 domestic visits a quarter after ₹50,000 spend in the previous quarter, and 2 international visits a year via Priority Pass.
Who can apply?
Applicants aged 18 to 70 with a monthly income of around ₹50,000.
What is the joining fee for the IndiGo Axis Bank Premium Credit Card?
The joining fee is ₹5,000 + 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 Premium Credit Card?
The annual fee is ₹5,000 + GST.
Does the IndiGo Axis Bank Premium Credit Card give airport lounge access?
Yes. Domestic lounge access is 8 visits a year, international is 2 visits a year, through Priority Pass with Priority Pass. 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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