Axis Bank
A lifetime-free RuPay card that pays in IndiGo BluChips, with a lounge visit every quarter.
One-time
Zero renewal fee
Uncapped rewards
Score 750+
Applying takes you to Axis Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
4 reward rates with their caps, taken from Axis Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromTravel
No published ceiling on this tier
Dining
No published ceiling on this tier
Groceries
No published ceiling on this tier
Everything else
No published ceiling on this tier
Government services All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
3% on Travel — 3 IndiGo BluChips per Rs. 100 on the IndiGo website and app, at IndiGo offline outlets and on in-flight food and beverages., with no stated cap.
Biggest limitation
IndiGo does not publish a fixed value for a BluChip. Redemption is dynamic — roughly Rs. 0.40 to Rs. 0.60 a chip — so the headline earn rate is not the value back. A minimum of 500 BluChips is needed to redeem at all.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
3 pts
uncappedTravel
3 IndiGo BluChips per Rs. 100 on the IndiGo website and app, at IndiGo offline outlets and on in-flight food and beverages.
2 pts
uncappedDining
2 IndiGo BluChips per Rs. 100 on dining.
2 pts
uncappedGroceries
2 IndiGo BluChips per Rs. 100 on groceries.
1 pts
uncappedEverything else
1 IndiGo BluChip per Rs. 100 on all other spends.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | Nil | — |
| Annual / renewal fee | Lifetime free | Lifetime free for anyone who applies by 30 October 2026. After that the card carries a joining and annual fee of Rs. 942 including GST. |
| Add-on card | Not published by Axis Bank for this card. Confirm on the card’s schedule of charges before requesting an add-on card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500. |
| Late payment | Not published by Axis Bank in the summary for this card. The slab table is in the card’s schedule of charges. | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹1,200
of one-time welcome value, on top of what you earn
Every year after
No fee, ever
the rewards simply continue
No fuel surcharge waiver is published by Axis Bank for this card.
Linkable to UPI. This is a RuPay card, so it can be linked to a UPI app. Eligible UPI transactions earn IndiGo BluChips at the card’s usual rates.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹1,200
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
2
spend thresholds you can reach again each year
Voucher worth 1,200 IndiGo BluChips on payment of the joining fee.
Spend ₹1,50,000 a year — about ₹12,500 a month
Voucher worth 1,200 IndiGo BluChips on cumulative annual spends of Rs. 1,50,000.
Spend ₹3,00,000 a year — about ₹25,000 a month
A further voucher worth 1,200 IndiGo BluChips on cumulative annual spends of Rs. 3,00,000.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
Axis BankIndiGo Axis Bank Premium Credit Card BK₹5,000
Axis BankFlipkart Axis Bank Super Elite BK₹500
Federal BankScapia Credit Card BKLifetime free
Punjab National BankKiwi PNB Credit Card BK₹750
HDFC BankHDFC Pixel Credit Card BK₹500
Federal BankMagniFi Fi-Federal Credit Card BKSee fees| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IndiGo Axis Bank Credit Card BK · this card | Lifetime free | 3% travel | Included |
| IndiGo Axis Bank Premium Credit Card BK | ₹5,000 | See card | Included |
| Flipkart Axis Bank Super Elite BK | ₹500 | See card | No |
| Scapia Credit Card BK | Lifetime free | Up to 4% rewards | Included |
| Kiwi PNB Credit Card BK | ₹750 | Up to 1.5% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
It is a lifetime-free card — there is no annual fee.
The strongest published rate is 3% on travel, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. 1 complimentary domestic airport lounge visit per calendar quarter, unlocked by spending Rs. 50,000 in the preceding three months.
Yes. This is a RuPay card, so it can be linked to a UPI app. Eligible UPI transactions earn IndiGo BluChips at the card’s usual rates.
Government services Insurance premiums Utility payments Rent payments Wallet loads Fuel transactions Jewellery purchases EMI transactions No IndiGo BluChips on government services, insurance premiums, utility payments, rent payments, wallet loads, fuel transactions, jewellery purchases, emi transactions. Fuel, rent, wallet loads, cash-equivalent transactions and EMI conversions are generally excluded from milestone and welcome-benefit qualifying spends
IndiGo flight bookings, 6E Eats and other IndiGo add-ons
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
1 complimentary domestic airport lounge visit per calendar quarter, unlocked by spending Rs. 50,000 in the preceding three months.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
IndiGo Axis Bank Credit Card BK — 3% on travel. No annual fee.
