Axis Bank
SpiceJet Axis Bank Voyage Credit Card
Data last verified: 11 October 2026
- Joining fee₹750 + GST
- Annual fee₹750 + GST
- Reward rate0.75% base, up to 1.5% on dining; 4.5% 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₹750 + GST
- Annual fee₹750 + GST
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹400 a month
- Add-on cardFree
01SpiceJet Axis Bank Voyage Credit Card Rewards and Benefits
02SpiceJet Axis Bank Voyage Credit Card Annual Fee and Charges
- Joining fee
- ₹750 + GST
- Annual fee
- ₹750 + 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, up to ₹400 a month
- Card replacement
- Not published
- Add-on card
- Free
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 1.5%₹75
- ₹15,000 on everything else, earning 0.75%₹113
- Back each month, ₹2,256 a year₹188
- Annual fee with 18% GST−₹885
- In your pocket each year₹1,371
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: 4.5% back
- Dining: 1.5% back
- Flyers: 4 airport lounge visits a year
Skip it if…
- you spend less than ₹10,000 a month: below that the ₹885 fee costs more than the rewards
- most of your spending is fuel 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 4.5% rate applies only there, everything else earns 0.75%
- 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 Credit Card earns Rewards
0.75% base, up to 1.5% on dining; 4.5% 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 | 0.75% | No cap | The card's normal rate |
| Dining and food delivery | 1.5% | No cap | All merchants in the categoryTerms: 6 SpiceClub points per ₹200 (~1.5%) on online food orders |
| Groceries | 0.75% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.75% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 4.5% | No cap | Only at: SpiceJetTerms: Up to 18 SpiceClub points per ₹200 (~4.5% value) on SpiceJet bookings (website and app) |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 1.5% | No cap | All merchants in the categoryTerms: 6 SpiceClub points per ₹200 (~1.5%) on online bill payments |
| Rent | 0.75% | No cap | The card's normal rate |
| Insurance premiums | 0.75% | No cap | The card's normal rate |
| School and college fees | 0.75% | 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 | 0.75% | No cap | The card's normal rate |
| Streaming subscriptions | 1.5% | No cap | All merchants in the categoryTerms: 6 SpiceClub points per ₹200 (~1.5%) on online entertainment |
| Everything else | 0.75% | No cap | The card's normal rate |
Terms on the base rate. 3 SpiceClub points per ₹200 (~0.75%) on all other domestic and international spends
Point value. 1 point is worth about ₹0.5 at the bank's stated value.
05SpiceJet Axis Bank Voyage 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: 0.75% 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)
- Airport lounge access: 4 complimentary domestic lounge visits a year, unlocked by ₹50,000 of spend in the previous quarter
- Milestone bonuses: 1,000 SpiceClub points on every successful renewal of the card
- Milestone bonuses: 2,000 SpiceClub points when annual spend reaches ₹1 lakh
- Milestone bonuses: A further 3,000 SpiceClub points when annual spend reaches ₹2 lakh (5,000 milestone points in a full year)
06SpiceJet Axis Bank Voyage 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 raises ancillary fees | Lower/absent ancillary fees; DCC markup 1%; branch cash payment ₹100 | Finance charge standardised to 3.75% a month; DCC markup 1.5%; branch cash payment ₹175; rent surcharge 1% uncapped; new auto-debit-reversal and minimum-due penalty fees |
| 12 May 2022 | Changed: Axis Bank and SpiceJet launch the co-branded Voyage credit cardSource: Axis Bank | - | - |
See this card's change history → · All card changes in August 2026 →
08Cards Similar to SpiceJet Axis Bank Voyage Credit Card
SpiceJet Axis Bank Voyage 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 Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹750 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹750 + GST | Lifetime free | Lifetime free |
| Rewards | 0.75% base, up to 1.5% on dining; 4.5% 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 |
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 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 Credit Card?
The joining fee is ₹750 + 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 Credit Card?
The annual fee is ₹750 + GST.
Does the SpiceJet Axis Bank Voyage 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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