IndiGo Axis Bank Premium Credit Card
Updated 5 Jul 2026Source-linked
The IndiGo Axis Bank Premium Credit Card is a premium co-branded credit card from Axis Bank and IndiGo, with a joining fee of ₹5,000 + GST.
It earns up to 7 miles per ₹100 (≈3.1% value) on IndiGo spends in the form of indigo bluchips (miles).
Cardholders get 8 annual domestic + 4 annual international airport lounge access, plus voucher worth 5,000 indigo bluchips + one complimentary 6e eats voucher as a welcome benefit.
IndiGo Axis Bank Premium Credit Card
- Joining Fee₹5,000
- Annual Fee₹5,000
- Best Suited ForTravel
- Reward TypeIndiGo BluChips (miles)
Rewards Rate
- 7 miles per ₹100 on indigo flights direct
- 3 miles per ₹100 on hotels groceries
- Base 1.00% on other spends
Welcome Benefits
- Voucher worth 5,000 IndiGo BluChips + one complimentary 6E Eats voucher
Data verified 5 Jul 2026 — see our methodology
Rewards and Benefits
Rewards Rate
7 miles per ₹100 on indigo flights direct
3 miles per ₹100 on hotels groceries
Base 1.00% 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
Voucher worth 5,000 IndiGo BluChips + one complimentary 6E Eats voucher
Milestone Rewards
- ₹0 / annual: Voucher worth 5,000 IndiGo BluChips + 6E Eats voucher as renewal benefit on payment of annual fee
- ₹2,00,000 / annual: Voucher worth 5,000 IndiGo BluChips on ₹2 Lakh annual spends
- ₹5,00,000 / annual: Voucher worth 5,000 IndiGo BluChips on ₹5 Lakh annual spends
- ₹8,00,000 / annual: Voucher worth 5,000 IndiGo BluChips on ₹8 Lakh annual spends
- +1 more milestones
Domestic Lounge Access
8 visits each annual.
International Lounge Access
4 visits each annual.
Travel
Co-branded with IndiGo; 7 miles per ₹100 on indigo flights direct.
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- Entertainment / dining discounts — Bundled lifestyle privileges — entertainment offers and dining discounts via Axis partner network.
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₹108/mo
You spend ₹8,000 · earns 1.4% = ₹108 uncapped
- Valued at realized redemption value
- Travel & hotels₹135/mo
You spend ₹10,000 · earns 1.4% = ₹135 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.9% = ₹135/mo
- Dining & food delivery₹8,000 · 0.9% = ₹72/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Utilities & bills₹5,000 · 0.9% = ₹45/mo
Est.net rewards for this spend, realistic
₹940/yr₹5,940 rewards − ₹5,000 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.50%
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 premium card by Axis Bank and IndiGo.
- Joining / annual fee of ₹5,000 + GST.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (8/annual) + international (4/annual).
Pros & Cons
Pros
- Low forex markup of 2.50% — suited to international spends.
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn worth ≈3.1% on indigo flights direct.
Cons
- High annual fee of ₹5,000.
- No annual-fee waiver option.
- No rewards on fuel spends.
₹5,000 welcome benefit
- Voucher worth 5,000 IndiGo BluChips + one complimentary 6E Eats voucherJoining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 7 miles per ₹100 on indigo flights directMerchants: indigo-web, indigo-app7 BluChips per ₹100 on IndiGo flight bookings via IndiGo web/app. Card-side rate only on this product line.
- 3 miles per ₹100 on hotels groceries
Capping rules
- No per-cycle cap on the accelerated 7 BluChips/₹100 IndiGo-channel earning per the IndiGo Axis Premium T&C (retrieved 2026-07-05); only category exclusions + milestone resets, no BluChip ceiling. High confidence.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Milestone benefits
- ₹0 / annual: Voucher worth 5,000 IndiGo BluChips + 6E Eats voucher as renewal benefit on payment of annual fee (≈ ₹5,000 value)
- ₹2,00,000 / annual: Voucher worth 5,000 IndiGo BluChips on ₹2 Lakh annual spends (≈ ₹5,000 value)
- ₹5,00,000 / annual: Voucher worth 5,000 IndiGo BluChips on ₹5 Lakh annual spends (≈ ₹5,000 value)
- ₹8,00,000 / annual: Voucher worth 5,000 IndiGo BluChips on ₹8 Lakh annual spends (≈ ₹5,000 value)
- ₹12,00,000 / annual: Voucher worth 5,000 IndiGo BluChips on ₹12 Lakh annual spends (≈ ₹5,000 value)
Airport lounge access
Domestic
8 visit(s) / annual. Via dreamfolks.
Complimentary domestic lounge visits via Dreamfolks.
International
4 visit(s) / annual. Via priority-pass.
Complimentary international lounge visits via Priority Pass.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹400 per monthly.
Other benefits
- Entertainment / dining discounts. Bundled lifestyle privileges — entertainment offers and dining discounts via Axis partner network.
Sources
- : www.axis.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–70
- Credit score
- 750+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.