Axis Bank
IndiGo Axis Bank Credit Card
The IndiGo Axis Bank Credit Card is a co-branded travel credit card designed specifically for frequent flyers of IndiGo airlines. It provides a straightforward rewards structure where users earn IndiGo BluChips on various spending categories, which are then redeemable for flight bookings and upgrades directly via the IndiGo website or mobile app.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 12 July 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%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The IndiGo Axis Bank Credit Card is a co-branded travel credit card designed specifically for frequent flyers of IndiGo airlines. It provides a straightforward rewards structure where users earn IndiGo BluChips on various spending categories, which are then redeemable for flight bookings and upgrades directly via the IndiGo website or mobile app. With an annual fee of Rs. 799, the card aims to balance costs through welcome and renewal vouchers, though it lacks a fee waiver facility.
While the card shines for those loyal to IndiGo, offering accelerated rewards on airline spends as well as dining and groceries, it may be less attractive to general travelers. Key limitations include the absence of complimentary international lounge access and a base reward rate that some users may find modest. Overall, it serves as a niche tool for individuals who can maximize its milestone benefits through consistent annual spending.
What We Like
The card offers significant value-back opportunities for frequent IndiGo travelers, including 3% back as BluChips on airline spends and 2% on dining and groceries. It also provides a robust milestone reward system that allows users to earn up to 2,400 BluChips annually based on their spending levels.
Pros
- ✓3% return on IndiGo bookings provided as BluChips
- ✓2X value-back on dining and grocery expenditures
- ✓Up to 2,400 BluChips available through annual milestone benefits
- ✓1,200 BluChips credited annually upon payment of the renewal fee
Cons
- ✗International airport lounge access is not included
- ✗Domestic lounge access requires meeting a specific quarterly spending threshold
- ✗Low base earn rate of 1 BluChip per Rs. 100 spent on non-bonus categories
Get This Card If
- ✓You are a frequent traveler who prefers booking flights via IndiGo
- ✓You want a card that provides accelerated rewards on daily dining and grocery purchases
- ✓You can reach the Rs. 3 Lakh annual spending threshold to fully maximize milestone benefits
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) |
* Category caps shown are based on publicly available card terms. Banks frequently revise caps and rates without notice — always verify current limits directly with the issuer before applying.
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 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 1st June '26 - 31st July '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.
Dining Benefits
Dining & Grocery Rewards
Earn 2 IndiGo BluChips on dining, entertainment, and grocery spends.
Milestone Benefits
Indigo BlueChips Vouchers
Voucher worth 1,200 IndiGo BluChips on achieving spends milestone of ₹1.5 Lakhs and again at ₹3 Lakhs cumulative annual spends.
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
Frequently Asked Questions
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Annual fee
₹799
1% – 3% yield