IndiGo Axis Bank Credit Card – Benefits, Fees & Eligibility

Introduction

The IndiGo Axis Bank Credit Card, issued by Axis Bank, is a co-branded travel credit card designed to convert daily expenditures into IndiGo BluChips, facilitating flights and rewards. It is positioned as a mid-range card for frequent IndiGo flyers, offering benefits such as accelerated reward earnings on IndiGo channels, milestone bonuses, and complimentary domestic lounge access.

Welcome Benefits

• Voucher worth 1,200 IndiGo BluChips as a welcome benefit upon payment of the joining fee.

Fees & Charges Breakdown

• Joining Fee: ₹NIL (Limited period offer)
• Annual Fee: ₹NIL (Limited period offer)
• Finance Charges: 3.75% per month (55.55% per annum)
• Cash Withdrawal Fee: 2.5% of the transaction amount (Minimum ₹500)
• Fee for Cash Payment: ₹175
• Late Payment Charges:
  • Nil if Total Payment Due is less than ₹500
  • ₹500 if total payment due is between ₹501 - ₹5,000
  • ₹750 if total payment due is between ₹5,001 - ₹10,000
  • ₹1200 if total payment due is between ₹10,001 - ₹50,000
  • ₹1300 if total payment due is greater than ₹50,000
  • An additional ₹100 charge will be levied if the 'Minimum Amount Due (MAD)' is not paid for two consecutive cycles and will apply until the MAD is cleared.
• Over Limit Charge: 2.5% (Minimum ₹500) of the over limit amount
• Returned Payment Charge (Cheque / ECS / ACH / SI bounce charge): 2% of payment amount (Minimum ₹500)
• Statement Request (beyond 3 months): NIL
• Reissue of Lost, Stolen or Damaged Card: NIL
• Foreign Currency Transactions Markup: 3.50% of Transaction value on International Transactions
• DCC Surcharge: 3.5% surcharge on DCC transactions
• Rent Surcharge: 1% transaction fee (uncapped) (MCC- 6513)
• Education Transaction Fee: A transaction fee of 1% will be applicable on education payments made via third-party apps (not limited to) such as CRED, PayTM, Cheq, and Mobikwik. DCC & International markup fee will also be applicable on educational transactions. (MCCs: 8211, 8220, 8241, 8244, 8249, 8299)
• Wallet Load Transaction Fee: 1% fee will be applicable for cumulative spends of ₹10,000 or more for wallet loads within a statement period (MCC: 6540)
• Fuel Transaction Fee: 1% fee will be applicable for cumulative spends of ₹50,000 or more on fuel within a statement period (MCCs: 5983, 5541, 5542, 5172)
• Utility Transaction Fee: 1% fee will be applicable for cumulative spends of ₹25,000 or more on utilities within a statement period (MCCs - 4814, 4899, 4900)

Rewards & Cashback Structure

• Accelerated Earns:
  • Earn 3 IndiGo BluChips on every ₹100 spent on all IndiGo channels.
  • Earn 2 IndiGo BluChips on every ₹100 spent on groceries and dining.
• Base Earns: Earn 1 IndiGo BluChip on every ₹100 spent on all eligible categories.
• Annual Benefit: Voucher worth 1,200 IndiGo BluChips every year as a renewal benefit on payment of the annual fee.
• Milestone Benefits: Voucher worth 1,200 IndiGo BluChips on achieving spends milestone of ₹1.5 Lakhs and again at ₹3 Lakhs cumulative annual spends.
• Reward Redemption: IndiGo BluChips can be redeemed for flights and other rewards.

Travel, Lounge & Lifestyle Perks

• Lounge Access: Enjoy 1 complimentary domestic airport lounge access per quarter, applicable on spends of ₹50,000 in the preceding 3 months.
• Wednesday Delight: Access to exciting offers every Wednesday.

Card Eligibility Criteria & Income Requirements

• Minimum Age: Primary cardholder should be 18-70 years of age.
• Residency: Applicant should be a resident of India.
• Required Documents:
  • PAN Card photocopy
  • Proof of income (Latest payslip / Form 16 / IT return)
  • Resident proof (Driver’s license / Electricity Bill / Landline telephone bill)

Important Product Details

• The card is a co-branded offering with IndiGo, focusing on travel benefits through IndiGo BluChips.
• Currently, the card offers ₹NIL Joining/Annual Fee as a limited period offer.
• The Terms & Conditions of IndiGo Axis Bank Premium Credit Card will be updated with effect from 28th August 2026.

Other Details

• EMI Purchases: For transactions exceeding ₹1500, cardholders may contact the Bank to convert a credit card purchase into EMIs.
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