SpiceJet Axis Bank Voyage Black Credit Card

Axis Bank · Open to apply

SpiceJet's top co-brand card from Axis, ₹2,000 a year. Earns SpiceClub Points (worth about ₹0.50 on SpiceJet): up to 28 per ₹200 on the SpiceJet app and website, 12 per ₹200 on online food, bills and entertainment and 6 per ₹200 elsewhere, with a ₹4,000 SpiceJet voucher on activation, 10,000 bonus points at ₹2 and ₹4 lakh of yearly spend, complimentary SpiceClub Gold and 8 domestic lounge visits a year.

Annual fee
₹2,000 + GST a year
Joining fee
₹2,000 + GST
Base rate
6 SC Points per ₹200 on all other domestic and international spends: 6 SpiceClub Points (SC Points) per ₹200 (about 1.5% at cash value)
Lounges
Domestic: 2 visits a calendar quarter after ₹50,000 spend
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 16 SC Points per ₹200 on the SpiceJet app and website (SpiceClub Gold membership benefit): 16 SpiceClub Points (SC Points) per ₹200 on top of the base rate (about 4% at cash value)
  • 12 SC Points per ₹200 on online food ordering, utility bills and entertainment: 12 SpiceClub Points (SC Points) per ₹200 (about 3% at cash value)
  • 12 SC Points per ₹200 on the SpiceJet app and website (card benefit): 12 SpiceClub Points (SC Points) per ₹200 (about 3% 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.
  • Domestic lounge visits: The product page's feature list, the launch release and the lounge programme give 8 visits a year (2 a quarter); the footnote under the value chart says "4 complimentary access" (copied from the Voyage card). 8 a year is used.

Terms the calculator does not value

  • The complimentary SpiceClub Gold membership comes with SpiceJet add-on vouchers worth ₹7,500 (product page and value chart). The voucher terms are not in the documents read, so they are not valued in the welcome figure; they would raise the first-year value by up to ₹7,500 if usable.
  • 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 16 SC Points per ₹200 on SpiceJet spend is a SpiceClub membership benefit: complimentary Gold 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 12 per ₹200 under Axis's list; our groceries category cannot isolate it, so those spends are valued at the 6 per ₹200 base rate.

Sources

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