Joining Fee
₹2,000
Annual Fee
Rs. 2000 + Taxes
Forex Markup
3.5% + GST
Add-on Card Fee
Free per supplementary card
Late Payment Charges
| Total amount due | Late fee |
|---|---|
| Total Payment Due < ₹500 | Nil |
| Total Payment Due ₹501 - ₹5000 | ₹500 |
| Total Payment Due ₹5001 - ₹10000 | ₹750 |
| Total Payment Due > ₹10000 | ₹1,200 |
SpiceJet Axis Bank Voyage Black Credit Card
Rewards Structure
Base Reward Rate
% on spends
Point Value
1 Point = ₹0.5
Earning Cap
₹12,000 /annually
Points Validity
24 Months
Pros
- Rich welcome benefits worth ₹11,500 (₹4000 voucher + ₹7500 SpiceClub Gold membership vouchers)
- Up to 28 SpiceClub Points per ₹200 on SpiceJet app & website
- 8 complimentary domestic lounge visits per year
- Milestone bonus points at ₹2L and ₹4L annual spends
- 1st year annual fee waived
- Nil add-on card fees
Cons
- Lounge access requires minimum ₹50,000 spend in previous quarter
- High finance charge at 3.75% per month (55.55% per annum)
- Foreign currency markup of 3.50%
- Fuel, wallet & EMI transactions excluded from reward earning
- Points redemption limited to SpiceJet platform only
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
Lounge access subject to minimum ₹50,000 spend in previous quarter
Additional ₹100 charge for missing MAD for two consecutive cycles, continuing until MAD is cleared
1% rental transaction fee applicable from 5th March 2023
1% education payment fee via third party apps from 20th Dec 2024
1% utility fee on cumulative spends ≥ ₹25,000 per statement cycle from 20th Dec 2024
1% wallet load fee on cumulative spends ≥ ₹10,000 per statement cycle from 20th Dec 2024
1% fuel transaction fee on cumulative spends ≥ ₹50,000 per statement cycle from 20th Dec 2024
1% online skill-based gaming fee on cumulative spends ≥ ₹10,000 per statement cycle from 20th Dec 2024
1.5% Dynamic Currency Conversion Markup on international transactions performed in Indian currency
Key Benefits & Features
Wednesday Delight: up to 15% off on flights & hotels via MakeMyTrip, 10% off on Swiggy, 10% off up to ₹1000 on Tira
Eligibility Criteria
Age Requirement
18+ Years
Occupation
Required Documents
IDENTITY Proof
ADDRESS Proof
INCOME Proof
Notable Exclusions
*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
About SpiceJet Axis Bank Voyage Black Credit Card
The SpiceJet Axis Bank Voyage Black Credit Card is designed for travelers seeking a premium yet rewarding flying experience. New cardholders receive a SpiceJet flight voucher worth ₹4,000 upon completing two transactions within 30 days of card issuance, along with complimentary SpiceClub Gold membership and add-on vouchers worth ₹7,500. These welcome benefits set the tone for a card built around the SpiceJet ecosystem. Cardholders earn up to 28 SpiceClub Points per ₹200 spent on the SpiceJet mobile app and website, with accelerated earning on online food delivery, bill payments, and entertainment. Points can be redeemed against SpiceJet flight tickets and meal vouchers. Milestone bonuses reward higher spenders, offering up to 6,000 additional SpiceClub Points on annual spends of ₹4 lakh, plus 2,000 points on every successful card renewal. Beyond air travel rewards, the card provides 8 complimentary domestic airport lounge visits annually, subject to minimum quarterly spends of ₹50,000. A 1% fuel surcharge waiver applies on transactions between ₹400 and ₹4,000 across fuel stations in India. Lifestyle benefits include dining privileges through the Axis Bank Dining Delights program and mid-week savings via Wednesday Delight offers on flights, hotels, and food delivery platforms. The joining and annual fee are ₹2,000 each.
Our Verdict
Premium co-branded SpiceJet card with 28x points on SpiceJet spends, lounge access & rich welcome benefits.
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Wednesday Delight: instant savings up to 15% on flights & hotels via Goibibo and MakeMyTrip; 10% off on Swiggy, Amazon Fresh, and up to ₹1000 off on Tira