Axis Bank
IndiGo Axis Bank Credit Card
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 12 June 2026.
At a Glance
Annual Fee
₹799
Joining Fee
₹799
Fee Waiver
N/A
Lounge Access
1 domestic lounge access
Forex Markup
3.5%
Effective Yield
1% – 3%
Earning & Redemption
How You Earn
| Category | Reward rate | Yield | Cap |
|---|---|---|---|
IndiGo Flights & Channels | 3 IndiGo BluChips per ₹100 | 3.00% | No Upper Cap |
Groceries & Dining | 2 IndiGo BluChips per ₹100 | 2.00% | No Upper Cap |
Other Eligible Spends | 1 IndiGo BluChip per ₹100 | 1.00% | No Upper Cap |
Excluded Categories | No BluChips Earned | 0.00% | — |
UPI Spends | Variable based on above categories | Variable | 750 IndiGo BluChips per statement month (excluding IndiGo channel spends) |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹1.5 Lakh | Flight Voucher | 1,200 BluChips Voucher | Earn a bonus IndiGo voucher upon reaching ₹1.5 Lakhs in cumulative annual spends. |
| ₹3 Lakh | Flight Voucher | 1,200 BluChips Voucher | Earn an additional secondary voucher upon crossing ₹3 Lakhs in cumulative annual spends. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| IndiGo Flight Bookings | ₹1.00 per BluChip1:1 Ratio | Best Value (Redeem seamlessly via the IndiGo website or mobile app to book dynamic fare seats directly). |
What You Need to Know
Lounge Spend Criteria
Domestic lounge access requires a minimum spend of ₹50,000 in the preceding 3 calendar months.
Impact: The lounge benefit is entirely locked for low-spending or seasonal credit card users.
Essential Fine Print
Reward Exclusions
Non-Reward Categories: Fuel, Rent payments, Insurance, Wallet loading, Government services, Utilities, and Education payments do not earn 6E Rewards.
Welcome Offer
Welcome BluChips
1,200 Indigo BluChips credited on the first transaction made within 30 days of card issuance. NOTE: Double Welcome Bonus between 1 June '26 - 3- June '26. Click here for more details
Lounge Access
Domestic Lounge Access
Enjoy 1 complimentary domestic airport lounge access per quarter (applicable on spends of ₹50,000 in the preceding 3 months).
Travel Benefits
IndiGo Spends Reward
Earn 3 IndiGo BluChips on every ₹100 spent on all IndiGo channels.
Convenience Fee Discount
Discount of ₹150 per person per sector on IndiGo flight bookings.
Dining Benefits
EazyDiner Discount
Up to 15% discount at partner restaurants across India via the Axis Bank Dining Delights program.
Dining & Grocery Rewards
Earn 2 IndiGo BluChips on dining, entertainment, and grocery spends.
Additional Features
Contactless Payments
Chip and PIN protected card with contactless technology for faster transactions.
Zero Lost Card Liability
Protection against fraudulent transactions from the moment the loss is reported to the bank.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹799 |
| Annual / Renewal Fee | ₹799 |
| Fee Waiver Threshold | N/A |
| Forex Markup | 3.5% |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Age Requirement
Primary cardholder must be between 18 and 70 years of age.
Employment
Available to both salaried and self-employed individuals.
Residency
Must be a resident of India.
Ready to apply for IndiGo Axis Bank Credit Card?
Annual fee: ₹799
Trending credit card stories
Annual fee
₹799
1% – 3% yield