Axis Bank
SpiceJet Axis Bank Voyage Black Credit Card
Data last verified: 11 October 2026
- Joining fee₹2,000 + GST
- Annual fee₹2,000 + GST
- Reward rate1.5% base, up to 3% on online shopping; 7% 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₹2,000 + GST
- Annual fee₹2,000 + GST
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
01SpiceJet Axis Bank Voyage Black Credit Card Rewards and Benefits
02SpiceJet Axis Bank Voyage Black Credit Card Annual Fee and Charges
- Joining fee
- ₹2,000 + GST
- Annual fee
- ₹2,000 + 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
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on online shopping, earning 3%₹150
- ₹15,000 on everything else, earning 1.5%₹225
- Back each month, ₹4,500 a year₹375
- Annual fee with 18% GST−₹2,360
- In your pocket each year₹2,140
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 SpiceJet: 7% back
- Online shopping: 3% back
- Flyers: 8 airport lounge visits a year
Skip it if…
- you spend less than ₹13,500 a month: below that the ₹2,360 fee costs more than the rewards
- most of your spending is fuel, rent or wallet top-ups: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on SpiceJet: the 7% rate applies only there, everything else earns 1.5%
- 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
04How SpiceJet Axis Bank Voyage Black Credit Card earns Rewards
1.5% base, up to 3% on online shopping; 7% 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 | 3% | No cap | All merchants in the categoryTerms: 12 SpiceClub points per ₹200 (~3%) on online entertainment, food orders and bill payments |
| Dining and food delivery | 1.5% | No cap | The card's normal rate |
| Groceries | 1.5% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1.5% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 7% | No cap | Only at: SpiceJetTerms: Up to 28 SpiceClub points per ₹200 (~7% value) on SpiceJet bookings (website and app) |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 1.5% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 1.5% | No cap | The card's normal rate |
| School and college fees | 1.5% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | 1.5% | No cap | The card's normal rate |
| Everything else | 1.5% | No cap | The card's normal rate |
Terms on the base rate. 6 SpiceClub points per ₹200 (~1.5%) on all other spends
Point value. 1 point is worth about ₹0.5 at the bank's stated value.
05SpiceJet Axis Bank Voyage Black Credit Card Lounge Access and Travel
Domestic lounge access is 8 visits a year. 8 complimentary domestic lounge visits a year (2 per quarter). Spending abroad carries a 3.5% forex markup; rewards on it: 1.5% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access, milestone bonuses.
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions of ₹400 to 4,000 (up to ₹400 a month)
- Milestone bonuses: 2,000 SpiceClub points on every successful renewal of the card
- Milestone bonuses: 4,000 SpiceClub points when annual spend reaches ₹2 lakh
- Milestone bonuses: A further 6,000 SpiceClub points when annual spend reaches ₹4 lakh (10,000 milestone points in a full year)
06SpiceJet Axis Bank Voyage Black 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
07Recent 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 |
| 20 Dec 2024 | Reduced: Bank-wide charges revision, new ancillary fees, DCC markup raisedSource: Axis Bank | DCC markup 1%; capped rent surcharge; no reversal fee | DCC markup 1.5%; uncapped 1% rent surcharge; new reversal & high-spend fees |
| 2022 | Changed: SpiceJet Axis Bank Voyage Black launchedSource: Axis Bank | - | - |
See this card's change history → · All card changes in August 2026 →
08Cards Similar to SpiceJet Axis Bank Voyage Black Credit Card
SpiceJet Axis Bank Voyage Black 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 | SpiceJet Axis Bank Voyage Black Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹2,000 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹2,000 + GST | Lifetime free | Lifetime free |
| Rewards | 1.5% base, up to 3% on online shopping; 7% 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 | 3.5% | 0% | 0% |
| Type | Travel | Travel | Dining |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your SpiceJet Axis Bank Voyage Black 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
What is the joining fee for the SpiceJet Axis Bank Voyage Black Credit Card?
The joining fee is ₹2,000 + 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 SpiceJet Axis Bank Voyage Black Credit Card?
The annual fee is ₹2,000 + GST.
Does the SpiceJet Axis Bank Voyage Black Credit Card give airport lounge access?
Yes. Domestic lounge access is 8 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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