IndiGo Axis Bank Premium Credit Card

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IndiGo Axis Bank Premium Credit Card — co-branded with IndiGo, earning IndiGo BluChips redeemable for IndiGo flights, seats, baggage and 6E services. Earns 7 BluChips/₹100 on IndiGo bookings (~3.5% effective at ₹0.50/BluChip realistic value), 3 BluChips/₹100 on hotels & groceries (~1.5%), and 2 BluChips/₹100 on all other eligible spends (~1%). Welcome & renewal: 5,000 BluChips + 6E Eats voucher. Milestone bonuses: 5,000 BluChips each at ₹2L, ₹5L, ₹8L and ₹12L annual spends (up to 20,000/year). Perks: 8 domestic lounge visits/yr (spend-gated), 2 international lounge visits/yr via Priority Pass, BookMyShow BOGO monthly, Dining Delights. 2.5% forex. Annual fee ₹5,000 + GST (no waiver). Rewards redeemable only within IndiGo — not for cash/statement credit.

Score breakdown

Data completeness: 100% · Last verified: 06 Jul 2026

Reward value27/100 · weight 65%

≈ 1.43% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.

No rewards on: government, wallet_load, rent, education, utilities, fuel, insurance. Reward score is scaled by ×(1 − 4.8%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.

Fee efficiency41/100 · weight 11%

Redemption flexibility92/100 · weight 8%

Perks60/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹5,000 + 18% GST
= ₹5,900 total
Annual fee: ₹5,000 + 18% GST
= ₹5,900 / year total
Forex markup: 2.5%

Lounge access

Domestic (per year): 8
International (per year): 2

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
online_travel_booking	cashback	7%	—	7 BluChips/₹100 on IndiGo online bookings via IndiGo website/app — ~3.5% effective. Hotels via IndiGo channels earn 3 BluChips/₹100 (~1.5%). Non-IndiGo travel earns base 2 BluChips/₹100 via all_spends.
groceries	cashback	3%	—	3 BluChips per ₹100 on grocery spends — ~1.5% effective
all_spends	cashback	2%	—	2 BluChips per ₹100 base (~1% effective at ₹0.50/BluChip realistic value)
wallet_load	cashback	0%	—	No BluChips on wallet loads
government	cashback	0%	—	No BluChips on government/tax payments
insurance	cashback	0%	—	No BluChips on insurance
utilities	cashback	0%	—	No BluChips on utilities
education	cashback	0%	—	No BluChips on education
fuel	cashback	0%	—	No BluChips on fuel
rent	cashback	0%	—	No BluChips on rent

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

FuelRentWallet loadsGovernment/tax paymentsInsuranceUtilitiesJewelleryEducationCash advancesFees & interestEMI conversionsExcluded MCCs

Welcome offer

5,000 IndiGo BluChips + 1 complimentary 6E Eats voucher on payment of joining fee (repeats on every renewal after annual fee payment)

What's inside

Experience

BookMyShow BOGO
₹300
Buy-one-get-one-free on movie tickets via BookMyShow, once per month.
monthly.

Travel privileges

Milestone: 5,000 BluChips at ₹2L spend
₹2,500
5,000 IndiGo BluChips on ₹2 lakh annual eligible spends.
yearly.
Milestone: 5,000 BluChips at ₹5L spend
₹2,500
5,000 IndiGo BluChips on ₹5 lakh annual eligible spends.
yearly.
Milestone: 5,000 BluChips at ₹8L spend
₹2,500
5,000 IndiGo BluChips on ₹8 lakh annual eligible spends.
yearly.
Milestone: 5,000 BluChips at ₹12L spend
₹2,500
5,000 IndiGo BluChips on ₹12 lakh annual eligible spends.
yearly.
Domestic airport lounge access
2 complimentary domestic lounge visits per quarter (8/year), subject to ₹50,000 retail spend in the previous 3 months.
quarterly.
International lounge access (Priority Pass)
2 complimentary international lounge visits per year via Priority Pass.
yearly.

Earn every day

Dining Delights
Discounts at partner restaurants under Axis Dining Delights.
yearly.

Welcome benefits

5,000 IndiGo BluChips (joining/renewal)
₹2,500
5,000 IndiGo BluChips credited on payment of joining fee and on every renewal after annual fee payment.
yearly.
6E Eats voucher (joining/renewal)
₹300
1 complimentary 6E Eats voucher on joining and every renewal.
yearly.

Small print

Fuel surcharge:1% fuel surcharge waiver on eligible fuel transactions (per prevailing Axis policy)