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

Introduction

The SpiceJet Axis Bank Voyage Credit Card is a co-branded credit card launched by Axis Bank in partnership with SpiceJet Airlines in May 2022. Positioned as a mid-range travel card, it aims to provide customers with a variety of privileges and benefits, especially for domestic travel. Key differentiating benefits include a substantial SpiceJet flight voucher as a welcome gift, complimentary SpiceClub Silver Membership, and high Spiceclub points earning rates on SpiceJet spends, along with domestic airport lounge access.

Welcome Benefits

• SpiceJet flight voucher worth ₹1,500 upon successful completion of 2 transactions within 30 days of card issuance.
• Complimentary SpiceClub Silver Tier Membership upon card approval.

Fees

• Joining Fee: ₹750 plus applicable taxes.
• Annual Fee:
  • 1st Year: Nil
  • 2nd Year onwards: ₹750 plus applicable taxes.
• 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.
• Finance Charges (Retail Purchases & Cash): 3.75% per month (55.55% per annum).
• Cash Advance Charges: 2.5% of the amount withdrawn, subject to a minimum charge of ₹500.
• 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.
  • ₹1200 if total payment due is greater than ₹10,000.
  • An additional ₹100 will be charged for missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles, applicable for every payment cycle until the 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.
• Fuel Surcharge Waiver: 1% waiver on fuel purchases at all fuel stations across India, valid on transactions between ₹400 to ₹4,000. Maximum monthly benefit up to ₹400. GST on fuel surcharge is non-refundable.
• Foreign Currency Transaction Fee: 3.50% of the transaction value.
• Rewards Redemption Fee: Nil.
• Rental Transaction Fee: 1% fee applicable on rental transactions.
• Dynamic Currency Conversion Markup: 1.5% 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 applicable on education payments made via third-party apps.
• Wallet Load Transaction Fee: 1% fee applicable on cumulative spends of ₹10,000 or more on wallet loads per statement cycle.
• Fuel Transaction Fee: 1% fee applicable on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle.
• Utility Transaction Fee: 1% fee applicable on cumulative spends of ₹25,000 or more on utilities per statement cycle.
• Online Skill-Based Gaming Transaction Fee: 1% fee applicable on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement cycle.
• GST: As per existing Government norms on all fees and charges.

Rewards

• Rewards Rate:
  • Earn up to 18 Spiceclub points for every ₹200 spent on SpiceJet website and mobile application (this includes 12 SpiceClub Points as a SpiceClub Silver Member and 6 SpiceClub Points on card spends).
  • Earn 6 Spiceclub points for every ₹200 spent on online bill payments, food orders, and entertainment transactions.
  • Earn 3 Spiceclub points for every ₹200 spent on all other domestic and international transactions (excluding fuel, EMI, and wallet transactions).
• Milestone Benefits:
  • Earn 2,000 Spiceclub Points on achieving an annual spend of ₹1,00,000 in a card membership year.
  • Earn 3,000 Spiceclub Points on achieving an annual spend of ₹2,00,000 in a card membership year.
• Renewal Benefit: 1,000 Spiceclub Points will be credited to your SpiceClub account upon successful payment of the renewal fee.
• Dining Benefits:
  • Enjoy up to 15% off (maximum ₹500) on dining bills at 4000+ partnered restaurants across India via the Axis Bank Dining Delights Program.
• Travel Benefits:
  • Receive 4 complimentary lounge visits per calendar year at selected domestic airports, subject to minimum spends of ₹50,000 in the previous quarter.
  • Complimentary SpiceClub Silver Tier Membership.
• Wednesday Delight:
  • Instant savings of up to 15% on flights & hotels via MakeMyTrip.
  • 10% off on orders via Swiggy.
  • 10% off up to ₹1000 on Tira.

Rewards Redemption Guide

• The Spiceclub points earned can be redeemed against booking flight tickets, meal vouchers, and other options available on the SpiceJet Website or Mobile Application.
• The value of 1 Spiceclub Point is Re. 0.50.

Card Eligibility Criteria

• Age: Primary cardholder should be between 18 and 70 years of age.
• Residency: The applicant should be a resident of India.
• Employment Status: The card is issued to both salaried and self-employed individuals.
• Credit Score: The applicant should hold a good CIBIL Score.
• Income: The applicant should have a stable source of income.

Documents Required

• Coloured Photograph of the applicant.
• Copy of the applicant’s PAN Card or Form 60 (in the absence of a PAN Card).
• Income Proof: Copy of Income Tax Return or Form 16 or Payslips for the last 3 months.
• Address Proof: Any one of Ration Card, Passport, Landline Telephone Bill, or Electricity Bill.
• Identity Proof: Any one of PAN Card, Aadhaar Card, Passport, or Driving License.

Card Review

The SpiceJet Axis Bank Voyage Credit Card is a popular travel credit card designed specifically for domestic travelers. It offers a compelling value proposition with a joining fee of ₹750, providing a welcome SpiceJet flight voucher worth ₹1,500, effectively offsetting the joining cost. Cardholders earn generous Spiceclub Points, particularly on SpiceJet transactions (up to 18 points per ₹200), and decent points on other online and retail spends, though fuel, EMI, and wallet transactions are excluded from earning points.

Pros:

• Attractive welcome benefit with a SpiceJet flight voucher.
• Complimentary SpiceClub Silver Membership.
• High reward rate on SpiceJet website and mobile app spends.
• Valuable milestone benefits for annual spends.
• Complimentary domestic airport lounge access.
• Dining discounts through Axis Bank Dining Delights Program.
• Zero Credit Card Lost Liability.
• Renewal benefit in the form of Spiceclub Points.

Cons:

• Rewards are not earned on fuel, EMI, and wallet transactions.
• High annual interest rate of 55.55%.
• Lounge access is conditional on quarterly spend.

Who should apply: This card is an excellent choice for individuals who frequently travel domestically, especially those who prefer or regularly fly with SpiceJet. It provides significant value through flight-related benefits, reward points, and travel perks, making it a strong contender in the co-branded travel credit card segment.

Important Product Details

• Welcome gift of a SpiceJet voucher worth ₹1,500 on completing 2 transactions within 30 days of card issuance.
• Complimentary SpiceClub Silver Membership.
• Earn up to 18 SpiceClub Points for every ₹200 spent on SpiceJet app and website.
• Bonus SpiceClub Points as milestone benefits (2,000 points on ₹1 lakh spend, 3,000 points on ₹2 lakh spend annually).
• 4 complimentary domestic airport lounge visits per year, subject to ₹50,000 spends in the previous quarter.
• Up to 15% off (maximum ₹500) on dining bills at 4000+ partnered restaurants via Axis Bank Dining Delights Program.
• 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, up to ₹400 per month.
• Zero Credit Card Lost Liability, provided the bank is informed immediately.
• Option to convert purchases of ₹1,500 or more into easy EMIs.
• Wednesday Delight offers including instant savings on MakeMyTrip, Swiggy, and Tira.
• Renewal benefit of 1,000 Spiceclub Points upon successful payment of the annual fee.

Other Details

• The card is issued in the Visa category.
• The ultimate decision to approve or decline a credit card application rests solely with the card issuer.
• The status of your application will be communicated within 21 working days.
• Application for the card can be done through both online and offline modes.
• Fees and charges are subject to applicable GST as per Government norms.
• Please refer to the bank's official website for detailed terms and conditions regarding SpiceClub points, milestone benefits, activation benefits, and the SpiceClub program.
• A revision to fees and charges is applicable from December 20, 2024.
• The terms and conditions will be updated effective June 20, 2025.