SpiceJet Axis Bank Voyage Credit Card
Axis Bank · Open to apply
SpiceJet's entry co-brand card from Axis, ₹750 a year. Earns SpiceClub Points (worth about ₹0.50 on SpiceJet): up to 18 per ₹200 on the SpiceJet app and website, 6 per ₹200 on online food, bills and entertainment and 3 per ₹200 elsewhere, with a ₹1,500 SpiceJet voucher on activation, 5,000 bonus points at ₹1 and ₹2 lakh of yearly spend and 4 domestic lounge visits a year.
- Annual fee
- ₹750 + GST a year
- Joining fee
- ₹750 + GST
- Base rate
- 3 SC Points per ₹200 on all other domestic and international spends: 3 SpiceClub Points (SC Points) per ₹200 (about 0.75% 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
- 12 SC Points per ₹200 on the SpiceJet app and website (SpiceClub Silver membership benefit): 12 SpiceClub Points (SC Points) per ₹200 on top of the base rate (about 3% at cash value)
- 6 SC Points per ₹200 on online food ordering, utility bills and entertainment: 6 SpiceClub Points (SC Points) per ₹200 (about 1.5% at cash value)
- 6 SC Points per ₹200 on the SpiceJet app and website (card benefit): 6 SpiceClub Points (SC Points) per ₹200 (about 1.5% at cash value)
Earns nothing on
- No SC Points on wallet, fuel, jewellery, gift cards, EMIs, insurance, education, government, rent and financial institutions
- No SC Points on bridge, road and toll fees
Where the sources disagree
- Fuel surcharge waiver: The product page (feature list and its own fees table) and the 2022 launch release give 1% back on fuel of ₹400 to ₹4,000 up to ₹400 a month. The KFS and MITC fuel surcharge lists name about 30 cards but not this one, nor list it as "refund not applicable". Decision (review 2026-10-20): the waiver is entered. The two lists are not exhaustive (they also omit other open cards such as the IndiGo cards, which neither page offers a waiver), they do not contradict the card's own pages, and the product page's fee table is the card-specific schedule. Revisit if Axis drops it from the page or adds the card to the "refund not applicable" list.
Terms the calculator does not value
- SpiceJet publishes ₹0.50 a point (SpiceClub FAQ) and Axis's value chart implies the same, but neither publishes an expiry for card-earned SC Points. Points redeem from 100 (500 for Classic members). Points buy only SpiceJet fares, meals and add-ons.
- The 12 SC Points per ₹200 on SpiceJet spend is a SpiceClub membership benefit: complimentary Silver tier for the first year, then subject to SpiceClub's tier criteria, which the Axis documents do not give. The calculator assumes the tier is kept.
- Online food ordering MCC 5499 (grocery and convenience apps) earns 6 per ₹200 under Axis's list; our groceries category cannot isolate it, so those spends are valued at the 3 per ₹200 base rate.
Sources
- SpiceJet Axis Bank Voyage Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- Terms and Conditions for Voyage / Voyage Black Credit Card, SpiceClub Points earn (Reward terms, the bank's own, read 6 Nov 2026)
- Terms and Conditions for Voyage / Voyage Black Credit Card, milestone and renewal benefit (Reward terms, the bank's own, read 6 Nov 2026)
- Terms and Conditions for Voyage / Voyage Black Credit Card, activation benefit (Reward terms, the bank's own, read 6 Nov 2026)
- Terms and Conditions for Voyage / Voyage Black Credit Card, complimentary SpiceClub membership (Reward terms, the bank's own, read 6 Nov 2026)
- Revision of SPICEJET AXIS BANK Credit Card Terms and Conditions, effective 2025-06-20 (Bank notice, the bank's own, read 6 Nov 2026)
- Revision of Axis Bank Credit Card Terms and Conditions, effective 2026-08-28 (generic notice linked from the product page) (Bank notice, 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 Credit Cards Domestic Airport Lounge Access Program (Reward terms, the bank's own, read 6 Nov 2026)
- Axis Bank press release, 2022-05-12: Axis Bank & SpiceJet launch co-branded credit card (Press release, the bank's own, read 20 Oct 2026)
- SpiceClub FAQ (point value) (FAQ, the bank's own, read 20 Oct 2026)