Priority Pass
Axis Bank
IndiGo Axis Bank Premium Credit Card
Reviewed by Aakarsh Mohan · Updated 12 July 2026 · How we rate cards
The IndiGo Axis Bank Premium Credit Card is a co-branded travel card designed primarily for frequent flyers of IndiGo airlines. It offers significant value through a 7% savings rate on IndiGo travel spends in the form of IndiGo BluChips, which are redeemable for future flight bookings.
Important note
Double Welcome Benefits between 1st June '26 - 31 July '26
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
₹5,000
Joining Fee
₹5,000
Fee Waiver
N/A
Lounge Access
Frequent Indigo Travellers
Forex Markup
2.5%
Effective Yield
2% – 7%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The IndiGo Axis Bank Premium Credit Card is a co-branded travel card designed primarily for frequent flyers of IndiGo airlines. It offers significant value through a 7% savings rate on IndiGo travel spends in the form of IndiGo BluChips, which are redeemable for future flight bookings. Beyond air travel, it provides accelerated rewards on everyday spending categories like dining and groceries, along with basic lifestyle perks such as movie ticket discounts.
While the card carries an annual fee of Rs. 5,000, this cost is effectively offset by welcome and renewal benefits including IndiGo BluChips and 6E Eats vouchers. It is an excellent choice for individuals who prioritize travel savings and regularly fly with IndiGo, though potential applicants should be aware that the card lacks a fee-waiver facility.
What We Like
We like that this card offers 7% uncapped value-back on IndiGo travel and provides significant rewards through annual milestone bonuses. Additionally, the annual fee is well-compensated by the recurring welcome and renewal vouchers, making it a cost-effective choice for loyalists.
Pros
- ✓7% savings on IndiGo travel
- ✓3% accelerated rewards on grocery and dining spends
- ✓Up to 20,000 IndiGo BluChips via annual milestone bonuses
- ✓Discounts on dining bills and movie tickets
Cons
- ✗No annual fee waiver facility
- ✗Priority Pass membership is limited to the first 2 years only
- ✗Domestic airport lounge access is subject to a spend-based condition
Get This Card If
- ✓You travel frequently with IndiGo airlines
- ✓You want to maximize savings on flight bookings through reward redemptions
- ✓You are looking for a travel card that also provides savings on daily dining and grocery expenses
Earning & Redemption
How You Earn
| Category | Reward rate | Yield | Cap * |
|---|---|---|---|
IndiGo Flights & Channels | 7 IndiGo BluChips per ₹100 | 7.00% | No Upper Cap |
Hotels & Groceries | 3 IndiGo BluChips per ₹100 | 3.00% | No Upper Cap |
Other Eligible Spends | 2 IndiGo BluChips per ₹100 | 2.00% | No Upper Cap |
Excluded Categories | No BluChips Earned | 0.00% | — |
* 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 |
|---|---|---|---|
| ₹2 Lakh | Flight Voucher | 5,000 BluChips Voucher | Unlocks primary bonus tier voucher value upon hitting ₹2 Lakhs in annual card spends. |
| ₹5 Lakh | Flight Voucher | 5,000 BluChips Voucher | Unlocks secondary bonus tier voucher value upon hitting ₹5 Lakhs in annual card spends. |
| ₹8 Lakh | Flight Voucher | 5,000 BluChips Voucher | Unlocks tertiary bonus tier voucher value upon hitting ₹8 Lakhs in annual card spends. |
| ₹12 Lakh | Flight Voucher | 5,000 BluChips Voucher | Unlocks final milestone bonus tier voucher value upon hitting ₹12 Lakhs in annual card spends. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| IndiGo Flight Bookings | ₹1.00 per BluChip1:1 Ratio | Best Value (Directly integrated booking. Fully unrestricted award inventory availability for seat redemptions). |
What You Need to Know
Lounge Spend Criteria
Complimentary domestic lounge access requires matching the standard Axis Bank spend threshold of ₹50,000 in the past 3 calendar months.
Impact: Even at a ₹5,000 annual card subscription level, access will be barred at the terminal gate if spending velocity drops.
Voucher Fragment Restrictions
Milestone vouchers are issued in distinct ₹5,000 blocks and must be used against individual flight ticketing transactions subject to specific expiration timelines.
Impact: Requires targeted planning; you cannot easily pool raw chunks to clear a singular mega-itinerary without checking voucher conditions.
Essential Fine Print
Reward Exclusions
Excluded Categories (No Rewards): Fuel, Wallet loads, Rental payments, Government services, EMI transactions, and Cash withdrawals.
Welcome Offer
Welcome BlueChips
Voucher worth 5,000 IndiGo BluChips along with one complimentary 6E Eats voucher as a Welcome gift on payment of joining fee. NOTE: Double Welcome Bonus between 1 June '26 - 31 July '26. Click here for more details.
Lounge Access
Priority PassDomestic Lounge Access
8 complimentary domestic airport lounge visits per calendar year (limited to 2 per quarter and applicable on spends of ₹50,000 in the preceding 3 months).
International Lounge Access
Get a complimentary priority pass membership along with your credit card and enjoy 2 complimentary international lounge visits per year using your credit card at Priority Pass Lounge.
Travel Benefits
Earning on IndiGo Spends
Earn 7 IndiGo BluChips on every ₹100 spent on all IndiGo channels.
Lifestyle Spends
Earn 3 IndiGo BluChips on every ₹100 spent on groceries and hotels.
Additional Features
BookMyShow BOGO Offer
Enjoy Buy One Get One offer on movie tickets, once every month on BookMyShow. Click here for more details. Each customer can get a maximum discount of Rs. 250 per month.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹5,000 |
| Annual / Renewal Fee | ₹5,000 |
| Fee Waiver Threshold | N/A |
| Forex Markup | 2.5% |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Age
Primary applicant must be between 18 and 70 years of age.
Employment
Available to both salaried and self-employed individuals.
Income
Minimum income requirement applies based on bank internal policies.
Ready to apply for IndiGo Axis Bank Premium Credit Card?
Annual fee: ₹5,000
Frequently Asked Questions
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Annual fee
₹5,000
2% – 7% yield