MyFinCards
SpiceJet Axis Bank Voyage Black Credit Card

Joining Fee

₹2,000

Annual Fee

Rs. 2000 + Taxes

Forex Markup

3.5% + GST

INTERNATIONAL
Axis Bank
Travel
Rewards
Lifestyle
Best For: Frequent SpiceJet flyers, Domestic travelers, Lifestyle spenders seeking travel rewards

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

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card
Driving License
Passport
Aadhaar Card

ADDRESS Proof

Passport
Ration Card
Electricity Bill
Landline Telephone Bill

INCOME Proof

Latest Payslip
Form 16
IT Return Copy

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 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.

Expert Review

Our Verdict

Premium co-branded SpiceJet card with 28x points on SpiceJet spends, lounge access & rich welcome benefits.

Frequently Asked QuestionsAbout SpiceJet Axis Bank Voyage Black Credit Card

FEESWhat is the joining fee and annual fee for the SpiceJet Axis Bank Voyage Black Credit Card?
The joining fee for the SpiceJet Axis Bank Voyage Black Credit Card is ₹2,000. The annual fee for the 1st year is Nil, and from the 2nd year onwards, it is ₹2,000. There are no joining or annual fees for add-on cards.
BENEFITSWhat are the welcome benefits offered with this card?
Upon card issuance, you receive a complimentary SpiceClub Gold membership along with SpiceJet add-on vouchers worth ₹7,500. Additionally, by completing 2 transactions within 30 days of card issuance, you receive a SpiceJet flight voucher worth ₹4,000. Together, the welcome benefits are worth ₹11,500.
REWARDSHow many SpiceClub Points can I earn on SpiceJet spends?
You can earn up to 28 SpiceClub Points for every ₹200 spent on the SpiceJet mobile application and website. This includes 16 SpiceClub Points as a SpiceClub Gold Member benefit and 12 SpiceClub Points on card spends. For online food delivery, bill payments, and entertainment, you earn 12 SpiceClub Points per ₹200. All other domestic retail and international transactions earn 6 SpiceClub Points per ₹200 (excluding fuel, wallet, and EMI transactions).
REWARDSWhat are the milestone benefits on this credit card?
The SpiceJet Axis Bank Voyage Black Credit Card offers milestone benefits throughout your card membership year. You earn 4,000 bonus SpiceClub Points on achieving annual spends of ₹2 lakh, and 6,000 bonus SpiceClub Points on achieving annual spends of ₹4 lakh. Additionally, you earn 2,000 SpiceClub Points on every successful renewal of your credit card.
BENEFITSHow many complimentary domestic airport lounge accesses do I get?
The SpiceJet Axis Bank Voyage Black Credit Card provides 8 complimentary domestic airport lounge visits per year. However, please note that lounge access is subject to a minimum spend of ₹50,000 in the previous quarter. You can visit the Axis Bank website for the full list of eligible airports and associated terms and conditions.
BENEFITSWhat is the fuel surcharge waiver benefit on this card?
The SpiceJet Axis Bank Voyage Black 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. The maximum monthly benefit from the fuel surcharge waiver is capped at ₹400. Please note that GST on fuel surcharge is non-refundable.
ELIGIBILITYWhat are the eligibility criteria for applying for this card?
To apply for the SpiceJet Axis Bank Voyage Black Credit Card, the primary cardholder must be between 18 and 70 years of age and must be a resident of India. These criteria are indicative and the bank reserves the right to approve or decline any application. The credit card decision is typically communicated within 21 working days.
DOCUMENTSWhat documents are required to apply for this card?
The following documents are required to apply for the SpiceJet Axis Bank Voyage Black Credit Card: a PAN card photocopy, a colour photograph, latest payslip/Form 16/IT return copy as proof of income, residence proof (passport, ration card, electricity bill, or landline telephone bill), and identity proof (passport, driving licence, PAN card, or Aadhaar card). Documents required may vary on a case-to-case basis.
BENEFITSWhat are the Wednesday Delight offers on this card?
Every Wednesday, SpiceJet Axis Bank Voyage Black Credit Card holders can enjoy special offers to beat the mid-week blues. Benefits include instant savings of up to 15% on flights and hotels via MakeMyTrip, 10% off on orders via Swiggy, and 10% off up to ₹1,000 on Tira. These offers provide great value on travel, food, and lifestyle purchases every week.
INTERNATIONALWhat is the foreign currency transaction fee on this card?
The SpiceJet Axis Bank Voyage Black Credit Card charges a foreign currency transaction fee of 3.50% of the transaction value. Additionally, a Dynamic Currency Conversion Markup of 1.5% is applicable for each international transaction performed in Indian currency at an international location, or transactions in Indian currency with merchants located in India but registered in a foreign nation.
USAGEWhere can I redeem my SpiceClub Points?
SpiceClub Points earned on the SpiceJet Axis Bank Voyage Black Credit Card can be redeemed exclusively on the SpiceJet platform. Points can be used against SpiceJet flight ticket bookings, meal vouchers, and other eligible items available on the SpiceJet mobile app and website. Note that redemption is limited to the SpiceJet platform only and cannot be used on other travel or retail platforms.
FEESWhat is the finance charge on the SpiceJet Axis Bank Voyage Black Credit Card?
The finance charge (interest rate) on the SpiceJet Axis Bank Voyage Black Credit Card is 3.75% per month, which translates to 55.55% per annum. This applies to retail purchases and cash withdrawals. For cash withdrawals, an additional cash withdrawal fee of 2.5% (minimum ₹500) of the cash amount is also applicable. It is advisable to pay your dues in full each month to avoid these charges.
FEESWhat are the late payment charges on this card?
Late payment fees on the SpiceJet Axis Bank Voyage Black Credit Card are as follows: No fee if total payment due is less than ₹500; ₹500 if due is between ₹501–₹5,000; ₹750 if due is between ₹5,001–₹10,000; and ₹1,200 if due is greater than ₹10,000. An additional ₹100 is charged for missing the Minimum Amount Due for two consecutive cycles, continuing until the MAD is cleared.
USAGECan I convert large purchases into EMIs with this card?
Yes, the SpiceJet Axis Bank Voyage Black Credit Card allows you to convert purchases into easy EMIs. Any credit card transaction of ₹2,500 or more can be converted into a manageable EMI plan. To avail this facility, you need to contact Axis Bank and request the conversion. This feature helps you manage large expenses without straining your monthly budget.
REWARDSAre there any transaction types excluded from earning SpiceClub Points?
Yes, certain transactions are excluded from earning SpiceClub Points on the SpiceJet Axis Bank Voyage Black Credit Card. Fuel transactions, wallet load transactions, and EMI transactions do not earn reward points. It is important to keep this in mind when planning your spending to maximize the points you earn on eligible categories like SpiceJet bookings, online food orders, bill payments, and entertainment.

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