SpiceJet Axis Bank Voyage Black Credit Card – Benefits, Fees & Eligibility

Introduction

The SpiceJet Axis Bank Voyage Black Credit Card is a co-branded travel credit card issued by Axis Bank in partnership with SpiceJet airlines. Positioned as a premium offering, it is best suited for frequent travelers, especially those loyal to SpiceJet. Key differentiating benefits include a substantial SpiceJet flight voucher as a welcome benefit, complimentary SpiceClub Gold membership, and a high reward rate on SpiceJet-related spends, along with complimentary domestic airport lounge access.

Welcome Benefits

• Get a SpiceJet flight voucher worth ₹4,000 on completing a minimum of two transactions within the first 30 days of card issuance.
• Receive complimentary SpiceClub Gold membership upon card approval.
• Get complimentary SpiceJet add-on vouchers worth ₹7,500 with SpiceClub Gold membership on card issuance.

Fees

• Joining Fee: ₹2,000 + GST
• Annual Fee: ₹2,000 + GST (1st Year: Nil, 2nd Year onwards: ₹2,000)
• Spend-Based Waiver: Not applicable for annual fee waiver.
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: 3.5% of the total transaction amount.
• Interest Rates (Finance Charges): 3.75% per month (55.55% annually) on retail purchases and cash.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4,000. The waiver is capped at ₹400 per month. GST on fuel surcharge is non-refundable.
• Cash Advance Charges: 2.5% of the amount withdrawn, subject to a minimum charge of ₹500.
• Add-on Card Joining Fee: Nil
• Add-on Card Annual Fee: Nil
• Card Replacement Fee: Nil
• Cash Payment Fee: ₹175
• Duplicate Statement Fee: Waived
• Charge Slip Retrieval Fee or Copy Request Fee: Waived
• Outstation Cheque Fee: Waived
• Mobile Alerts for Transactions: Free
• Hotlisting Charges: Nil
• Balance Enquiry Charges: Waived
• Overdue Penalty or Late Payment Fee:
  • 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.
  • ₹1,200 if total payment due is greater than ₹10,000.
  • An additional ₹100 is applicable on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge continues until MAD is cleared.
• Over Limit Penalty: 2.5% of the over-the-limit amount (Minimum ₹500).
• Cheque return or dishonour Fee or Auto-debit Reversal: 2% of the payment amount, subject to a minimum of ₹500.
• Surcharge on purchase or cancellation of Railway Tickets: As prescribed by IRCTC/Indian Railways.
• Rental Transaction Fee (Applicable from 5th March 2023): 1% fee per transaction will be applicable on rental transactions.
• Dynamic Currency Conversion Markup: 1.5% will be applicable on international transactions performed in Indian currency at international locations or transactions performed in Indian currency with merchants located in India but registered in a foreign nation.
• Education Transaction Fee (Applicable from 20th Dec, 2024): 1% fee per transaction will be applicable on education payments made via third-party apps.
• Utility Transaction Fee (Applicable from 20th Dec, 2024): 1% fee will be applicable on cumulative spends of INR 25,000 or more on utilities per statement cycle.
• Wallet Load Transaction Fee (Applicable from 20th Dec, 2024): 1% fee will be applicable on cumulative spends of INR 10,000 or more on wallet loads per statement cycle.
• Fuel Transaction Fee (Applicable from 20th Dec, 2024): 1% fee will be applicable on cumulative spends of INR 50,000 or more on fuel transactions per statement cycle.
• Online Skill Based Gaming Transaction Fee (Applicable from 20th Dec, 2024): 1% fee will be applicable on cumulative spends of INR 10,000 or more on online skill-based gaming platforms per statement cycle.
• GST: As per existing Government norms on all applicable fees and charges.

Rewards

• Reward Rate:
  • Earn 28 Spiceclub Points on every ₹200 spent on the SpiceJet mobile app/website (this includes 16 SpiceClub Points as a SpiceClub Gold Member and 12 SpiceClub Points on card spends).
  • Earn 12 Spiceclub Points on every ₹200 spent on online bill payments, food orders, or online entertainment.
  • Earn 6 Spiceclub Points on every other domestic retail and international spend of ₹200 (excluding Fuel, wallet & EMI transactions).
• Reward Exclusions: Transactions like fuel purchases, education, insurance, government payments, rent, purchase of gift cards, wallet loads, EMI transactions, and cash withdrawals are not eligible for Spiceclub points.
• Milestone Benefits:
  • Earn a bonus of 4,000 Spiceclub points on spending ₹2 lakhs or more in an anniversary year.
  • Earn an additional bonus of 6,000 Spiceclub points on spending ₹4 lakhs or more in an anniversary year.
• Renewal Benefits: Get 2,000 bonus Spiceclub Points every year on the successful renewal of your credit card.
• Travel Benefits:
  • Receive 8 complimentary access to domestic airport lounges every year.
  • Complimentary visits are capped at a maximum of 2 visits per quarter.
  • Lounge access is subject to minimum spends of ₹50,000 in the previous quarter.
  • No complimentary international lounge access.
• Dining Benefits:
  • Get up to 20% discount on dining at several participating restaurants through the Axis Bank Dining Delights Program.
• Wednesday Delight:
  • Instant savings of up to 15% on flights & hotels via MakeMyTrip.
  • 10% off on orders via Swiggy.
  • 10% off up to ₹1,000 on Tira.

Rewards Redemption Guide

• The earned Spiceclub Points can be redeemed against SpiceJet flight bookings, meal vouchers, and other options via the SpiceJet mobile app/website.
• The monetary value of 1 Spiceclub Point is equivalent to Re. 0.50.

Card Eligibility Criteria

• Age: The applicant’s age should be between 18 and 70 years.
• Residency: The applicant should be a Resident of India.
• Income: The applicant should have a stable source of income.
• Documents Required:
  • PAN card photocopy or Form 60.
  • Colour photograph.
  • Latest payslip/Form 16/IT return copy as proof of income.
  • Residence proof (any one of the following): Passport, Ration Card, Electricity bill, Landline telephone bill.
  • Identity proof (any one of the following): Passport, Driving license, PAN card, Aadhaar card.
  • Note: This list is indicative, and documents required may vary on a case-to-case basis.

Card Review

The SpiceJet Axis Bank Voyage Black Credit Card is a strong option for individuals who frequently travel, particularly those with a preference for SpiceJet airlines. It offers significant savings and rewards on travel-related expenses, with a high reward rate on SpiceJet bookings. The welcome benefits, including a flight voucher exceeding the joining fee and complimentary SpiceClub Gold membership, provide immediate value. While the annual fee of ₹2,000 might seem high, the card's extensive reward structure, milestone bonuses, renewal benefits, and complimentary domestic lounge access make it worthwhile for users who can maximize its features. The card also provides decent reward rates on selected online transactions, catering to modern digital spending habits. However, it lacks international lounge access. Overall, it's a valuable card for loyal SpiceJet customers and frequent domestic travelers.

Important Product Details

• Get a SpiceJet flight voucher worth ₹4,000 as a welcome benefit.
• Complimentary SpiceClub Gold membership on card approval.
• Earn up to 28 Spiceclub Points on every spend of ₹200 on SpiceJet platforms.
• Earn up to 8,000 bonus Reward Points every year on achieving milestone spends (4,000 points on ₹2 lakhs, 6,000 points on ₹4 lakhs).
• Receive 8 complimentary domestic lounge access every year (capped at 2 per quarter, subject to ₹50,000 spend in previous quarter).
• Get 2,000 bonus points every year as a renewal benefit.
• Enjoy a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per month.
• Monetary value of 1 Spiceclub Point is Re. 0.50.

Other Details

• Purchases of ₹2,500 or more can be converted into easy EMIs by contacting the bank.
• The bank reserves the ultimate right to approve or decline applications for the credit card.
• Credit card decisions are communicated within 21 working days.
• The terms and conditions of the SpiceJet Axis Bank Voyage Black Credit Card have been updated w.e.f. 20th Jun 2025.
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