Axis Bank
IndiGo Axis Bank Credit Card - Premium Variant
Annual Fee
₹5,900₹5,000 + GSTBase Reward
2% points
Foreign Markup
2.50%
Welcome Benefits
5,000 IndiGo BluChips Voucher + 1 6E Eats Voucher
Product Highlights
- Earn up to 23 IndiGo BluChips on flight bookings
- 3 IndiGo BluChips on grocery and dining
- 2 IndiGo BluChips on all other spends
Category Rewards
grocery
3 BluChips per ₹100 on Grocery + Hotels
3X
travel
3 BluChips per ₹100 on Grocery + Hotels
3X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
IndiGo Channels (app, website, agents)
★ 7 BluChips per ₹100 on IndiGo channels
Reward Calculator
Costs you ₹4,400/year
Break-even needs ~₹62,934/month at your reward mix.
₹16K
across all your buckets
6K
IndiGo BluChips
₹1.5K
via statement credit · ₹0.25/pt
Effective rate
0.78%
Annual fee
₹5,900
Year 1 net
₹-4,400
Year 2+ net
₹-4,400
ongoing
Adjust your spend by reward bucket
3 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
5,000 BluChips voucher
5,000 BluChips voucher
5,000 BluChips voucher
5,000 BluChips voucher
Surcharges & 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
Earn IndiGo BluChips on every ₹100 spend: Up to 23 IndiGo BluChips on flight bookings made on IndiGo Channels, 3 IndiGo BluChips on grocery and dining, 2 IndiGo BluChips on all other spends.
- IndiGo BluChips can be redeemed against flight fare on IndiGo’s website/mobile app.
Benefits & Features
Domestic: 2 complimentary visits per quarter (Available with card membership) International: 2 per year (Available from year 2 onwards) Full lounge access description
Pros & Cons
Pros
- Welcome benefit of 5,000 IndiGo BluChips Voucher
- Exclusive dining offers
- Lounge access benefits
Cons
- Annual fee of ₹5,000 + GST
- Limited to specific categories for earning rewards
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