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

SpiceJet Axis Bank Voyage Credit Card

The SpiceJet Axis Bank Voyage Credit Card, launched in May 2022 in partnership with SpiceJet Airlines, is a co-branded Visa credit card designed to offer various travel privileges and benefits, primarily targeting domestic travelers. With a joining fee of Rs. 750, cardholders receive a SpiceJet voucher worth Rs. 1,500 after completing two transactions within 30 days of card activation. Key features include a complimentary SpiceClub Silver Membership, the opportunity to earn up to 18 SpiceClub Points for every Rs. 200 spent on SpiceJet platforms, bonus SpiceClub Points as milestone and renewal benefits, complimentary domestic airport lounge access, and dining discounts. This card aims to provide delightful experiences and value to its users.

Welcome Benefits

• Receive a SpiceJet voucher worth Rs. 1,500 upon completing 2 transactions within 30 days of card issuance.
• Get complimentary SpiceClub Silver membership upon card issuance, unlocking various privileges.

Fees

• Joining Fee: Rs. 750 + applicable taxes.
• Annual Fee:
  • 1st Year: Nil.
  • 2nd Year onwards: Rs. 750 + applicable taxes.
• Add-on Card Joining Fee: Nil.
• Add-on Card Annual Fee: Nil.
• Card Replacement Fee: Nil.
• Cash Payment Fee: Rs. 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.
• Finance Charges (Retail Purchases & Cash): 3.75% per month (55.55% per annum).
• Cash Withdrawal Fees: 2.5% of the cash amount, subject to a minimum of Rs. 500.
• Overdue Penalty or Late Payment Fee:
  • Nil if Total Payment Due is less than Rs. 500.
  • Rs. 500 if total payment due is between Rs. 501 - Rs. 5,000.
  • Rs. 750 if total payment due is between Rs. 5,001 - Rs. 10,000.
  • Rs. 1,200 if total payment due is greater than Rs. 10,000.
  • An additional Rs. 100 is applicable for every payment cycle if the Minimum Amount Due (MAD) is missed by the due date for two consecutive cycles, continuing until MAD is cleared.
• Over Limit Penalty: 2.5% of the over-the-limit amount, subject to a minimum of Rs. 500.
• Cheque Return or Dishonour Fee or Auto-debit Reversal: 2% of the payment amount, subject to a minimum of Rs. 500.
• Surcharge on Purchase or Cancellation of Railway Tickets: As prescribed by IRCTC/Indian Railways.
• Fuel Transaction Surcharge: 1% of the transaction amount. Refunded for fuel transactions between Rs. 400 to Rs. 4,000, with a maximum benefit of Rs. 400 per month. GST on fuel surcharge is non-refundable.
• Foreign Currency Transaction Fee: 3.50% of the transaction value.
• Reward Point Redemption Fee: Nil.
• GST: Applicable as per existing Government norms on all fees and charges.
• Rental Transaction Fee: 1% 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 Payment Charges: 1% fee per transaction on education payments made via third-party apps.
• Wallet Load Transaction Fee: 1% fee on cumulative spends of Rs. 10,000 or more on wallet loads per statement cycle.
• Fuel Transaction Fee (Cumulative): 1% fee on cumulative spends of Rs. 50,000 or more on fuel transactions per statement cycle.
• Utility Transaction Fee: 1% fee on cumulative spends of Rs. 25,000 or more on utilities per statement cycle.
• Online Skill-Based Gaming Transaction Fee: 1% fee on cumulative spends of Rs. 10,000 or more on online skill-based gaming platforms in a statement cycle.

Rewards

• Rewards Rate (SpiceClub Points)

  • Earn up to 18 SpiceClub Points for every Rs. 200 spent on the SpiceJet mobile application and website (this includes 12 points as a SpiceClub Silver Member and 6 points on card spends).
  • Earn 6 SpiceClub Points for every Rs. 200 spent on online food orders, online bill payments, and online entertainment.
  • Earn 3 SpiceClub Points for every Rs. 200 spent on all other domestic retail and international transactions.
  • Transactions excluded from earning SpiceClub Points: Fuel, wallet loads, and EMI transactions.

• Milestone Benefits

  • Earn 2,000 bonus SpiceClub Points on achieving annual spends of Rs. 1 lakh in a card membership year.
  • Earn 3,000 bonus SpiceClub Points on achieving annual spends of Rs. 2 lakh in a card membership year.

• Renewal Benefit

  • Earn 1,000 SpiceClub Points on every successful renewal of the credit card (after paying the annual fee). These points are credited to the SpiceClub account within 3-5 working days of the subsequent statement generation.

• Travel Benefits

  • Enjoy complimentary SpiceClub Silver Membership upon card issuance.
  • Receive 4 complimentary domestic airport lounge visits every year, subject to a minimum spend of Rs. 50,000 in the previous calendar quarter.

• Dining Benefits

  • Enjoy up to 15% off (maximum Rs. 500) on dining bills at partnered restaurants across India through the Axis Bank Dining Delights Program via EazyDiner.

• Fuel Benefits

  • Get a 1% fuel surcharge waiver on fuel purchases at all fuel stations across India.
  • This waiver is valid on transactions between Rs. 400 to Rs. 4,000.
  • The maximum monthly benefit for fuel surcharge waiver is Rs. 400.
  • GST on fuel surcharge is non-refundable.

• Lifestyle Benefits

  • Wednesday Delight (Limited Offer):
    • Instant savings of up to 15% on flights & hotels via MakeMyTrip.
    • 10% off on orders via Swiggy.
    • 10% off up to Rs. 1,000 on Tira.

• Convert Purchases to EMI

  • Transactions of Rs. 1,500 or more can be converted into easy EMIs by contacting the bank.

• Zero Credit Card Lost Liability

  • Cardholders are not liable for fraudulent transactions if the bank is informed immediately about the loss or theft of the card.

Rewards Redemption Guide

• SpiceClub Points earned can be redeemed against SpiceJet flight tickets, meal vouchers, and other services available on the SpiceJet website or mobile application.
• The redemption value is 1 SpiceClub Point = Re. 0.50.

Card Eligibility Criteria

Eligibility Rules

• The primary cardholder must be between 18 and 70 years of age.
• The applicant must be a Resident of India.
• The card is issued to both salaried and self-employed individuals.
• The applicant should maintain a good CIBIL Score.
• The applicant should have a stable source of income.
• The bank reserves the right to approve or decline credit card applications, with the decision typically communicated within 21 working days.

Documents Required

• Identity Proof: PAN Card, Aadhaar Card, Passport, or Driving License.
• Address Proof: Driving License, Electricity Bill, Landline Telephone Bill, Ration Card, or Passport.
• Income Proof: Latest payslip, Form 16, or Income Tax Return (payslips for the last 3 months for salaried individuals).
• A coloured photograph of the applicant.
• PAN Card photocopy or Form 60 (in absence of PAN Card).
• The list of required documents is indicative and may vary on a case-by-case basis.

Card Review

The SpiceJet Axis Bank Voyage Credit Card is a competitive travel-focused co-branded credit card, especially well-suited for domestic travelers who frequently fly with SpiceJet. It offers a strong reward structure with generous SpiceClub Points on SpiceJet bookings and decent points on other online and general retail spends.

• Pros:
  • Significant SpiceJet flight voucher as a welcome benefit.
  • High reward rates on SpiceJet spends, online food, bill payments, and entertainment.
  • Complimentary SpiceClub Silver membership.
  • Attractive bonus SpiceClub Points for achieving annual spending milestones.
  • Renewal benefits in the form of SpiceClub Points.
  • Complimentary domestic airport lounge access (conditional on meeting quarterly spend).
  • Dining discounts through the Axis Bank Dining Delights Program.
  • Fuel surcharge waiver.
  • Zero lost card liability protection.
  • No joining fee for the first year.
  • Nil fees for add-on cards, card replacement, hotlisting, duplicate statements, charge slip retrieval, outstation cheques, and balance inquiry.
  • No reward point redemption fee.
  • Additional lifestyle offers on specific online platforms as "Wednesday Delight."
• Cons:
  • An annual fee of Rs. 750 + taxes is applicable from the second year onwards.
  • Lounge access is contingent on meeting a quarterly spend threshold.
  • A foreign currency transaction fee of 3.50% applies to international transactions.
  • A Dynamic Currency Conversion markup of 1.5% is charged for specific international transactions processed in Indian currency.
  • High finance charges of 3.75% per month (55.55% per annum) are applied if dues are not paid on time.
  • Cash withdrawal fees of 2.5% (minimum Rs. 500) are applicable.
  • Overdue and over-limit penalties are charged.
  • Specific transaction fees (1%) are levied on rentals, education payments (via third-party apps), wallet loads (above Rs. 10,000 cumulative), cumulative fuel spends (above Rs. 50,000), utility payments (above Rs. 25,000 cumulative), and online skill-based gaming platforms (above Rs. 10,000 cumulative).
  • SpiceClub Points are not earned on fuel, wallet, and EMI transactions.
• Who should apply: This card is ideal for frequent domestic travelers who prioritize benefits and rewards specifically tied to SpiceJet flights and services. It is particularly valuable for individuals who can consistently meet the quarterly spend criteria to utilize lounge access and achieve annual milestones to maximize bonus points.

Important Product Details

• Positive Highlights

  • Welcome benefit of a SpiceJet voucher worth Rs. 1,500.
  • Complimentary SpiceClub Silver Membership.
  • Earn up to 18 SpiceClub Points for every Rs. 200 spent on SpiceJet platforms (mobile app and website).
  • Bonus SpiceClub Points for achieving annual spend milestones: 2,000 points on Rs. 1 lakh spend and 3,000 points on Rs. 2 lakh spend.
  • 1,000 SpiceClub Points provided as a renewal benefit.
  • 4 complimentary domestic airport lounge visits annually, subject to Rs. 50,000 spend in the previous quarter.
  • Up to 15% discount on dining bills through Axis Bank Dining Delights.
  • 1% fuel surcharge waiver (up to Rs. 400 monthly) on transactions between Rs. 400 and Rs. 4,000.
  • Option to convert purchases of Rs. 1,500 or more into easy EMIs.
  • Zero lost card liability ensures protection against fraudulent transactions if reported promptly.
  • No joining fee for the first year.
  • Nil fees for add-on cards, card replacement, hotlisting, duplicate statements, charge slip retrieval, outstation cheques, and balance inquiry.
  • No reward point redemption fee.
  • Special "Wednesday Delight" offers on MakeMyTrip (up to 15% savings on flights & hotels), Swiggy (10% off), and Tira (10% off up to Rs. 1,000).

• Negative Highlights

  • An annual fee of Rs. 750 is applicable from the second year onwards.
  • A foreign currency transaction fee of 3.50% of the transaction value.
  • A Dynamic Currency Conversion Markup of 1.5% applies to international transactions performed in Indian currency at international locations or with foreign-registered merchants in India.
  • High finance charges of 3.75% per month (55.55% per annum) for outstanding balances.
  • Cash withdrawal fees of 2.5% of the amount withdrawn (minimum Rs. 500).
  • Overdue and over-limit penalties are charged.
  • Specific transaction fees (1%) on rentals, education payments (via third-party apps), wallet loads (above Rs. 10,000 cumulative per statement cycle), cumulative fuel spends (above Rs. 50,000 per statement cycle), utility payments (above Rs. 25,000 cumulative per statement cycle), and online skill-based gaming platforms (above Rs. 10,000 cumulative per statement cycle).
  • SpiceClub Points are not earned on fuel, wallet, and EMI transactions.

Other Details

• Application Process

  • Online: Apply via the Axis Bank website by navigating to the Credit Card section, selecting the SpiceJet Axis Bank Voyage Credit Card, filling in personal details, and submitting required documents.
  • Offline: Visit the nearest Axis Bank branch with all necessary documents. Bank officials will assist with filling out a physical application form and submitting it for processing.

• Upcoming Changes

  • The terms and conditions for the SpiceJet Axis Bank Voyage Credit Card will be updated effective June 20, 2025.
  • Revisions to the fees and charges are applicable from December 20, 2024.

• Illustrative Annual Benefits (Based on Rs. 2.5 lakh annual spends)

  • Activation Benefit (SpiceJet Flight Voucher): Rs. 1,500
  • SpiceJet App & Website Spends (Rs. 60,000 spend, 5,400 points): Valued at Rs. 2,700
  • Online Food Delivery (Rs. 30,000 spend, 900 points): Valued at Rs. 450
  • Online Bill Payment (Rs. 15,000 spend, 450 points): Valued at Rs. 225
  • Online Entertainment (Rs. 15,000 spend, 450 points): Valued at Rs. 225
  • Other Retail Spends (Rs. 1,00,000 spend, 1,500 points): Valued at Rs. 750
  • Milestone 1 Benefit (on Rs. 1 lakh spend, 2,000 points): Valued at Rs. 1,000
  • Milestone 2 Benefit (on Rs. 2 lakh spend, 3,000 points): Valued at Rs. 1,500
  • Renewal Benefit (1,000 points): Valued at Rs. 500
  • Fuel Surcharge Waiver (for Rs. 20,000 fuel spends): Rs. 200
  • Domestic Airport Lounge Access: Valued at Rs. 4,000
  • Total Illustrative Benefits (Year 1): Rs. 13,050
  • Note: These figures are for indicative purposes only, and actual benefits may vary based on individual spending behavior.