IndiGo Axis Bank Credit Card
Axis Bank · Open to apply
IndiGo's entry co-brand card from Axis, paid for with a ₹799 fee that comes back as a 1,200-BluChip voucher. Earns IndiGo BluChips: 3 per ₹100 at IndiGo, 2 on groceries and dining, 1 on everything else, plus two 1,200-BluChip milestone vouchers at ₹1.5 lakh and ₹3 lakh a year and one domestic lounge visit a quarter. BluChips only buy IndiGo fares.
- Annual fee
- ₹799 + GST a year
- Joining fee
- ₹799 + GST
- Base rate
- 1 BluChip per ₹100 on all other eligible spends: 1 IndiGo BluChips per ₹100 (about 0.45% at cash value)
- Lounges
- Domestic: 1 visit a calendar quarter after ₹50,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 3 BluChips per ₹100 at IndiGo: 3 IndiGo BluChips per ₹100 (about 1.35% at cash value)
- 2 BluChips per ₹100 on groceries and dining: 2 IndiGo BluChips per ₹100 (about 0.9% at cash value)
- UPI spends on groceries and dining, 2 BluChips per ₹100, within the monthly UPI cap: 2 IndiGo BluChips per ₹100 (about 0.9% at cash value)
Earns nothing on
- No BluChips on government, insurance, utilities and telecom, rent, wallet, fuel, jewellery, tolls, gift cards, EMIs and cash withdrawals
Terms the calculator does not value
- Axis offered the card with no joining or annual fee ("Lifetime Free Card with activation benefit", applications 2026-09-01 to 2026-10-31) plus a 1,200-BluChip activation voucher for more than ₹1,500 of spend in the first 30 days (voucher issued within 90 days of the offer period's end). The offer window has closed and the product page and listing show ₹799 again, so only the standard ₹799 card is modelled. A lifetime-free card gets no welcome, renewal or milestone vouchers and, per the T&C, no BluChip earn. The listing's card summary still mentions the ₹1,500-spend activation voucher.
- IndiGo sets the BluChip's redemption value and says BluChips have no monetary value; no rupee figure is published. The calculator uses the platform's indigo-bluchip estimate (₹0.45), so every BluChip figure on this card is an estimate.
- Vouchers (fee and milestone) are valued at their BluChip face value, but they are valid six months, cover one one-way journey's base fare and are consumed in full, so they are worth less on a low fare or if unused.
- Axis's grocery list includes MCC 5399 and 5999, which sit outside our groceries category (5399 is in department stores, 5999 in no category), so those spends are valued at the base rate.
Sources
- IndiGo Axis Bank Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- Terms and Conditions, IndiGo Axis Bank Credit Card (earn, milestones, UPI cap, BluChip programme terms, promotional offers) (Reward terms, the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Key Fact Sheet (last updated 2026-10-08) (Schedule of charges, the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Most Important Terms and Conditions (PDF created 2026-10-08) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Axis Bank press release, 2026-02-18: Unlock More with Every Swipe, Axis Bank and IndiGo unveil co-branded credit cards (Press release, the bank's own, read 20 Oct 2026)
- Axis Bank Credit Cards Domestic Airport Lounge Access Program (Reward terms, the bank's own, read 6 Nov 2026)
- Revision of Axis Bank Credit Card Terms and Conditions, effective 2026-08-28 (generic notice) (Bank notice, the bank's own, read 6 Nov 2026)
- Axis Bank credit card listing (Product page, the bank's own, read 6 Nov 2026)
- IndiGo Kotak Credit Card T&C (carries IndiGo's BluChip programme redemption clause) (Partner's page, read 6 Nov 2026)
- CardAdvisor: IndiGo BluChip programme page (Third-party site, read 20 Oct 2026)