MyFinCards
SpiceJet Axis Bank Voyage Credit Card

Joining Fee

₹750

Annual Fee

Rs. 750 (Reversed on annual spends of Rs. 2 Lakhs)

Forex Markup

3.5% + GST

INTERNATIONAL
Axis Bank
Travel
Rewards
Best For: Frequent SpiceJet flyers, Budget-conscious travelers seeking airline co-branded benefits

SpiceJet Axis Bank Voyage Credit Card

Rewards Structure

Base Reward Rate

3% on spends

Point Value

1 Point = ₹200

Points Validity

24 Months

Pros

  • Up to 18 SpiceClub Points per ₹200 spent on SpiceJet app/website
  • Complimentary SpiceClub Silver membership
  • Welcome voucher worth ₹1,500
  • Milestone bonus points up to 5,000 SpiceClub Points annually
  • 4 complimentary domestic lounge visits per year
  • 1% fuel surcharge waiver up to ₹400/month
  • Low joining/annual fee of ₹750

Cons

  • Lounge access requires min spend of ₹50,000 in previous quarter
  • High finance charge of 3.75% per month (55.55% per annum)
  • Rewards redemption limited to SpiceJet bookings only
  • Fuel, wallet & EMI transactions excluded from SpiceClub Points

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Fuel surcharge waiver only on transactions between ₹400–₹4,000

GST on fuel surcharge is non-refundable

1% rental transaction fee applicable

1% education payment fee via third-party apps

1% wallet load fee on cumulative spends of ₹10,000 or more per statement cycle

1% fuel transaction fee on cumulative spends of ₹50,000 or more per statement cycle

1% utility transaction fee on cumulative spends of ₹25,000 or more per statement cycle

1% online skill-based gaming fee on cumulative spends of ₹10,000 or more per statement cycle

Dynamic Currency Conversion Markup of 1.5% on international transactions in Indian currency

Key Benefits & Features

Welcome benefit: SpiceJet voucher worth ₹1,500 on completing 2 transactions within 30 days of card issuance.

Complimentary SpiceClub Silver membership on card issuance.

Wednesday Delight: Up to 15% off on flights & hotels via MakeMyTrip, 10% off on Swiggy, 10% off up to ₹1,000 on Tira.

Eligibility Criteria

Age Requirement

18+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card photocopy
Form 60

INCOME Proof

Latest payslip
Form 16
IT Return

ADDRESS Proof

Driving License
Electricity Bill
Landline Telephone Bill

Notable Exclusions

No SpiceClub Points on fuel transactionsNo SpiceClub Points on wallet load transactionsNo SpiceClub Points on EMI transactions

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About SpiceJet Axis Bank Voyage Credit Card

The SpiceJet Axis Bank Voyage Credit Card is a co-branded travel credit card designed for frequent SpiceJet flyers who want to maximize rewards on their airline spending. New cardholders receive a welcome benefit of a SpiceJet voucher worth ₹1,500 upon completing two transactions within 30 days of card issuance, along with a complimentary SpiceClub Silver membership from the moment the card is issued. The card's core rewards program lets cardholders earn up to 18 SpiceClub Points per ₹200 spent on the SpiceJet app and website, 6 points per ₹200 on online food orders, bill payments, and entertainment, and 3 points per ₹200 on all other eligible transactions. Points can be redeemed against SpiceJet flight tickets, meal vouchers, and more. Milestone bonuses of 2,000 and 3,000 SpiceClub Points are available upon reaching annual spends of ₹1 lakh and ₹2 lakh respectively, with an additional 1,000 points on each successful renewal. Beyond flight rewards, the card offers four complimentary domestic airport lounge visits per year (subject to minimum quarterly spends of ₹50,000), a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, and exclusive Wednesday discounts on flights, hotels, food delivery, and more. The joining and annual fee are both ₹750, making it an accessible option for budget-conscious travelers seeking airline-linked perks.

Expert Review

Our Verdict

Co-branded SpiceJet card with SpiceClub Points, lounge access & milestone benefits for frequent SpiceJet flyers.

Frequently Asked QuestionsAbout SpiceJet Axis Bank Voyage Credit Card

ELIGIBILITYWhat are the eligibility criteria for the SpiceJet Axis Bank Voyage Credit Card?
To apply for the SpiceJet Axis Bank Voyage Credit Card, the primary cardholder must be between 18 and 70 years of age and should be a resident of India. These criteria are indicative, and the bank reserves the right to approve or decline any application based on its internal assessment.
FEESWhat is the joining fee and annual fee for the SpiceJet Axis Bank Voyage Credit Card?
The joining fee for the SpiceJet Axis Bank Voyage Credit Card is ₹750. The annual fee for the first year is nil, and from the second year onwards, it is ₹750. Add-on card joining and annual fees are both nil. All applicable taxes as per government norms will be charged in addition to these fees.
BENEFITSWhat welcome benefit do I get with the SpiceJet Axis Bank Voyage Credit Card?
As a welcome benefit, you receive a SpiceJet flight voucher worth ₹1,500. To be eligible for this voucher, you need to complete 2 transactions within 30 days of card issuance. This is a great way to kick-start your travel savings right from the moment you receive your card.
REWARDSHow many SpiceClub Points can I earn on SpiceJet app or website spends?
You can earn up to 18 SpiceClub Points for every ₹200 spent on the SpiceJet mobile application and website. This includes 12 SpiceClub Points as a SpiceClub Silver Member benefit and 6 SpiceClub Points as a card spend benefit. Additionally, you earn 6 points per ₹200 on online food orders, bill payments, and entertainment, and 3 points per ₹200 on all other domestic and international retail transactions.
BENEFITSWhat is the complimentary SpiceClub membership benefit on this card?
Upon card issuance, you are automatically onboarded to the SpiceClub Silver membership. This membership provides additional SpiceClub Points on SpiceJet spends (12 points per ₹200) over and above the base card reward rate. The Silver membership grants you access to exclusive SpiceClub program privileges. You can visit the SpiceClub program page for a complete list of membership benefits.
REWARDSWhat are the milestone benefits available on the SpiceJet Axis Bank Voyage Credit Card?
The card offers attractive milestone rewards within a card membership year: earn 2,000 SpiceClub Points on achieving annual spends of ₹1 lakh, and 3,000 SpiceClub Points on achieving annual spends of ₹2 lakh. Additionally, you earn 1,000 SpiceClub Points on every successful renewal of the credit card. The total milestone bonus can be up to 5,000 SpiceClub Points annually.
BENEFITSDo I get complimentary airport lounge access with this card?
Yes, the SpiceJet Axis Bank Voyage Credit Card offers 4 complimentary domestic airport lounge visits per year. However, lounge access is subject to a minimum spend of ₹50,000 in the previous quarter. If you do not meet this spend threshold, you will not be eligible for complimentary lounge access for that quarter. Please check the list of participating airports on the Axis Bank website for details.
BENEFITSHow does the fuel surcharge waiver work on this card?
The SpiceJet Axis Bank Voyage Credit Card offers a 1% fuel surcharge waiver on fuel purchases at all fuel stations across India. This waiver is valid on transactions between ₹400 and ₹4,000, with a maximum monthly benefit of ₹400. Please note that GST on fuel surcharge is non-refundable. Additionally, a 1% fuel transaction fee applies on cumulative fuel spends of ₹50,000 or more per statement cycle.
USAGEWhere can I redeem my SpiceClub Points earned on the Voyage Credit Card?
SpiceClub Points earned on the SpiceJet Axis Bank Voyage Credit Card can be redeemed exclusively against SpiceJet bookings, including flight tickets and meal vouchers, made through the SpiceJet mobile app or website. Redemption is limited to SpiceJet-related spends only and cannot be used for other purchases or transfers. This makes the card most valuable for frequent SpiceJet flyers.
REWARDSWhat transactions are excluded from earning SpiceClub Points?
Fuel transactions, wallet loads, and EMI transactions are excluded from earning SpiceClub Points on the SpiceJet Axis Bank Voyage Credit Card. It is important to note these exclusions while planning your spends to maximize reward earnings. All other domestic retail and international transactions (excluding the above categories) earn 3 SpiceClub Points per ₹200 spent.
DOCUMENTSWhat documents are required to apply for the SpiceJet Axis Bank Voyage Credit Card?
The documents required to apply include a PAN Card photocopy or Form 60, proof of income (latest payslip, Form 16, or IT Return), and residence proof such as a Driving License, Electricity Bill, or Landline Telephone Bill. The list is indicative and documents required may vary on a case-to-case basis. The bank may request additional documents during the application review process.
INTERNATIONALWhat is the foreign currency transaction fee on the SpiceJet Axis Bank Voyage Credit Card?
The foreign currency transaction fee (forex markup) on the SpiceJet Axis Bank Voyage Credit Card is 3.50% of the transaction value. Additionally, a Dynamic Currency Conversion (DCC) markup of 1.5% applies on international transactions performed in Indian currency at international locations, or transactions in Indian currency with merchants located in India but registered in a foreign country.
FEESWhat are the finance charges and cash withdrawal fees on this card?
The finance charges on the SpiceJet Axis Bank Voyage Credit Card are 3.75% per month, which amounts to 55.55% per annum, applicable on retail purchases and cash advances. Cash withdrawal attracts a fee of 2.5% of the cash amount, with a minimum charge of ₹500. These charges are quite high, so it is advisable to pay your bills in full each month to avoid interest accumulation.
FEESWhat are the late payment charges on the SpiceJet Axis Bank Voyage Credit Card?
Late payment fees vary based on the total payment due: no fee if dues are less than ₹500; ₹500 for dues between ₹501–₹5,000; ₹750 for dues between ₹5,001–₹10,000; and ₹1,200 for dues exceeding ₹10,000. Additionally, if the Minimum Amount Due (MAD) is missed for two consecutive cycles, an extra ₹100 charge is levied and continues until the MAD is cleared.
BENEFITSWhat Wednesday Delight offers are available on this credit card?
The SpiceJet Axis Bank Voyage Credit Card offers exclusive Wednesday Delight deals every week to help beat the mid-week blues. These include instant savings of up to 15% on flights and hotels booked via MakeMyTrip, 10% off on orders placed via Swiggy, and 10% off up to ₹1,000 on purchases made through Tira. These offers are available every Wednesday and are subject to applicable terms and conditions.

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