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Credit Cards · India

IndiGo Axis Bank Credit Card

Updated 5 Jul 2026Source-linked

The IndiGo Axis Bank Credit Card is a entry co-branded credit card from Axis Bank and IndiGo, with a joining fee of ₹799 + GST.

It earns up to 3 miles per ₹100 (≈1.4% value) on IndiGo spends in the form of indigo bluchips (miles).

Cardholders get 1 quarterly domestic airport lounge access, plus 1,200 indigo bluchips welcome voucher as a welcome benefit.

Axis Bank logo
IndiGo Axis Bank Credit Card
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  • Joining Fee₹799
  • Annual Fee₹799
  • Best Suited ForTravel
  • Reward TypeIndiGo BluChips (miles)
Rewards Rate
  • 3 miles per ₹100 on indigo flights direct
  • 2 miles per ₹100 on grocery dining
  • 1 miles per ₹100 on upi rupay spend (cap 750 miles / monthly)
  • Base 0.50% on other spends
Welcome Benefits
  • 1,200 IndiGo BluChips welcome voucher
Data verified 5 Jul 2026 — see our methodology
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Rewards and Benefits

Rewards Rate
3 miles per ₹100 on indigo flights direct
2 miles per ₹100 on grocery dining
1 miles per ₹100 on upi rupay spend (cap 750 miles / monthly)
Base 0.50% on other spends.
Reward Redemption
IndiGo flights + 6E Prime add-ons: IndiGo BluChip floats ~Rs0.40-0.60 toward IndiGo fares (min 500); no fixed value.
Welcome Benefits
1,200 IndiGo BluChips welcome voucher
Milestone Rewards
  • ₹0 / annual: 1,200 IndiGo BluChips renewal voucher on payment of annual fee
  • ₹1,50,000 / annual: 1,200 IndiGo BluChips on ₹1.5 Lakh cumulative annual spends
  • ₹3,00,000 / annual: 1,200 IndiGo BluChips on ₹3 Lakh cumulative annual spends
Domestic Lounge Access
1 visit each quarterly on making spends of ₹50,000 in the previous quarterly.
International Lounge Access
N/A
Travel
Co-branded with IndiGo; 3 miles per ₹100 on indigo flights direct.
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Groceries₹72/mo

    You spend ₹8,000 · earns 0.9% = ₹72 uncapped

    • Valued at realized redemption value
  • Dining & food delivery₹72/mo

    You spend ₹8,000 · earns 0.9% = ₹72 uncapped

    • Valued at realized redemption value
  • Utilities & bills₹23/mo

    You spend ₹5,000 · earns 0.5% = ₹23 uncapped

    • Capped at ₹338/mo
    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.5% = ₹68/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.5% = ₹45/mo

    Travel & hotels — earns base; accelerated rate needs booking via indigo-app, indigo-web

Est.net rewards for this spend, realistic
₹2,549/yr

₹3,348 rewards − ₹799 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • Co-branded entry card by Axis Bank and IndiGo.
  • Joining / annual fee of ₹799 + GST.
  • Available on the RuPay network.
  • Complimentary airport lounge access: domestic (1/quarterly).

Pros & Cons

Pros
  • Complimentary domestic airport lounge access (1/quarterly).
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
  • No annual-fee waiver option.
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹1,200 welcome benefit

  • 1,200 IndiGo BluChips welcome voucher
    Joining fee paid
    Window: 90 days from issuance.

Accelerated rewards

  • 3 miles per ₹100 on indigo flights direct
    Merchants: indigo-web, indigo-app
    3 BluChips per ₹100 on IndiGo flight bookings via IndiGo web/app. Card-side rate only; this entry-tier card does not stack BluChip member earn on top.
  • 2 miles per ₹100 on grocery dining
  • 1 miles per ₹100 on upi rupay spend (cap 750 miles / monthly)
    Up to 750 BluChips per month on eligible UPI transactions (RuPay variant only).

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Milestone benefits

  • ₹0 / annual: 1,200 IndiGo BluChips renewal voucher on payment of annual fee (≈ ₹1,200 value)
  • ₹1,50,000 / annual: 1,200 IndiGo BluChips on ₹1.5 Lakh cumulative annual spends (≈ ₹1,200 value)
  • ₹3,00,000 / annual: 1,200 IndiGo BluChips on ₹3 Lakh cumulative annual spends (≈ ₹1,200 value)

Airport lounge access

Domestic
1 visit(s) / quarterly. Via dreamfolks.
Unlocks after ₹50,000 / quarterly spend.
1 complimentary domestic lounge visit per quarter, activated by ₹50,000 spend in the preceding quarter.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹400 per monthly.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–70
Credit score
720+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹3,00,000 p.a.
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