Axis Bank
IndiGo Axis Bank Credit Card
Annual Fee
₹1,770₹1,500 + GSTBase Reward
1% air miles
Foreign Markup
3.5%
Welcome Benefits
1,200 IndiGo BluChips welcome voucher
Product Highlights
- Entry-level variant among IndiGo co-branded cards
- Accelerated rewards on IndiGo bookings
- Quarterly domestic lounge visit
- Travel benefits with IndiGo
- 5% CashBack on IndiGo bookings
Category Rewards
travel
3 IndiGo BluChips Per ₹100 Spent On IndiGo Channels
3X
grocery
2 IndiGo BluChips Per ₹100 Spent On Grocery & Dining
2X
Specialty
1 IndiGo BluChip Per ₹100 Spent On All Other Eligible Spends
1X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50IndiGo
3 IndiGo BluChips Per ₹100 Spent
Reward Calculator
Costs you ₹1,020/year
Break-even needs ~₹59,000/month at your reward mix.
₹25K
across all your buckets
3K
IndiGo BluChips
₹750
via statement credit · ₹0.25/pt
Effective rate
0.25%
Annual fee
₹1,770
Year 1 net
₹-1,020
Year 2+ net
₹-1,020
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%Kicks in after ₹10,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹25,000 cumulative utility spends/cycle
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
government, insurance, utility, fuel, jewellery, rent, wallet, emi
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
3 IndiGo BluChips per ₹100 spent on IndiGo channels, 2 IndiGo BluChips per ₹100 spent on grocery & dining categories, 1 IndiGo BluChip per ₹100 spent on all other eligible spends.
- IndiGo BluChips can be redeemed on IndiGo flights.
Benefits & Features
Domestic: 1 Domestic Lounge Visit Per Quarter (Spend-based access) Domestic lounge access is spend-based with this card.
Pros & Cons
Pros
- Affordable credit card with a joining and annual fee of ₹799 + GST
- Earns BluChips on spends for frequent IndiGo travelers
- 5% CashBack on IndiGo bookings
- Welcome voucher of ₹1,200
Cons
- Domestic airport lounge access is spend-based
- No international airport lounge access
Additional Info
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks