Verified by CardAgent admin · last checked 08 Jul 2026
Axis Bank

IndiGo Axis Bank Premium Credit Card

52
Ranked #23 of 170 in credit
creditVisa/RuPayPremium travel co-brand

Premium Axis Bank x IndiGo co-branded travel card launched Feb 2026, earning IndiGo BluChips (7% on IndiGo channels, 3% grocery/hotel, 2% other) redeemable exclusively for IndiGo flights, with domestic+international lounge access.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value45/100 · weight 71%
2.29% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
No rewards on: rent, insurance. Reward score is scaled by ×(1 − 3.0%), 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 efficiency63/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks62/100 · weight 9%

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
Waiver: No fee waiver available; fee compensated via 5,000 BluChips + 6E Eats voucher on every renewal
Forex markup
2.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
online_travel_bookingcashback7%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.
groceriescashback3%3 BluChips per ₹100 on grocery spends — ~1.5% effective
groceries_offlinepoints3.00%(3 pts @ ₹1.00)3 BluChips per Rs 100 on groceries and hotel category
all_spendspoints2.00%(2 pts @ ₹1.00)2 IndiGo BluChips per Rs 100 on all other eligible spends; BluChips redeemable only for IndiGo flights, treat value as nominal not cash-equivalent
wallet_loadcashback0%No BluChips on wallet loads
governmentcashback0%No BluChips on government/tax payments
insurancecashback0%No BluChips on insurance
utilitiescashback0%No BluChips on utilities
educationcashback0%No BluChips on education
rentcashback0%No BluChips on rent
fuelcashback0%No BluChips on fuel

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 joining fee payment (promo period offered 10,000 BluChips till 30 June 2026 — confirm current offer before quoting)

Milestone benefits

Pros

  • Strong 7% BluChip earn on IndiGo channel spends, low 2.5% forex markup for a co-brand, both domestic and international lounge access, BOGO movie offers, achievable milestone bonuses up to 20,000 BluChips/year

Cons

  • BluChips have no cash value and can ONLY be redeemed for IndiGo flights (no transferability), fixed Rs 5,000 fee with no spend waiver, wide category exclusions on milestone-spend calculation (fuel, utility/telecom, insurance, rent, government, wallet, jewellery, EMI, cash withdrawals)

What's inside

More 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.

  • 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.

  • Dining Delights

    Discounts at partner restaurants under Axis Dining Delights.

    yearly.

  • 6E Eats voucher

    0

    Complimentary 6E Eats voucher on joining and each renewal

    yearly. On fee payment

  • BOGO movie tickets

    300

    Buy one get one on movie tickets via BookMyShow, once/month

    Cap ₹3,600 / monthly.

  • Priority Pass membership

    Complimentary Priority Pass membership, 2 international lounge visits/year

  • EazyDiner discount

    Dining discounts at partner restaurants

Insurance cover

text
NaN

Eligibility

text
Age 18-70, net annual income Rs 6 lakh+

Small print

Fuel surcharge:Not detailed in sources reviewed