SpiceJet Axis Bank Voyage Credit Card

The SpiceJet Axis Bank Voyage Credit Card is a entry-level co-branded travel card designed for frequent flyers who prefer the SpiceJet airline. It is built to reward users on their travel and daily digital spends, converting routine expenditures into SpiceClub Points that can be redeemed for flight tickets and other travel-related add-ons. This card is particularly effective for budget-conscious travelers, offering a gateway into the airline’s loyalty ecosystem through complimentary membership and accelerated reward rates on travel bookings. It bridges the gap between a standard shopping card and a dedicated travel tool, providing essential travel perks like lounge access at a competitive price point.

SpiceJet Axis Bank Voyage Credit Card

Joining Fees	750
Annual Fees	750
Card Type	Cashback, Rewards
Network Type	Visa

Rewards & Benifits

SpiceJet Spends: Earn up to 18 SpiceClub Points for every ₹200 spent on the SpiceJet app or website (includes 12 points via Silver tier membership).
Everyday Spends: Earn 6 SpiceClub Points for every ₹200 spent on online food delivery, online bill payments, and online entertainment.
Other Spends: Earn 3 SpiceClub Points for every ₹200 spent on other domestic and international transactions.
Lounge Access: 4 complimentary domestic airport lounge visits per calendar year (1 per quarter).
Dining Delights: Up to 15% discount at over 4,000 partner restaurants across India (Max discount ₹500/month).
Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹4,000.

Fees & Charges

Finance Charges: 3.75% per month (55.55% per annum).
Cash Withdrawal Fee: 2.5% of the transaction amount (Minimum ₹500).
Late Payment Fee: Nil for dues up to ₹500; up to ₹1,200 for dues above ₹10,000.
Foreign Currency Markup: 3.5% of the transaction value.
Rent Transaction Fee: 1% of the transaction value.
Wallet Load Fee: 1% on cumulative spends of ₹10,000 or more per cycle.

Card Details

Loyalty Tier: Cardholders receive a complimentary SpiceClub Silver membership on card issuance.
Lounge Eligibility: Access is subject to a minimum spend of ₹50,000 in the previous calendar quarter.
Milestone Rewards: 2,000 bonus points on annual spends of ₹1 Lakh and 3,000 additional points on spends of ₹2 Lakh.
Renewal Bonus: 1,000 SpiceClub Points credited every year upon successful payment of the annual fee.
EMI Conversion: Purchases of ₹1,500 or more can be converted into easy installments.

Pros & Cons

High Flight Rewards: Earn up to 9% value-back on direct SpiceJet bookings.
Low Entry Cost: Joining fee is effectively covered by the welcome voucher.
Silver Membership: Grants priority services and discounted add-ons.

Restricted Redemption: Points can only be used within the SpiceJet ecosystem.
Spend-Linked Lounge: Domestic lounge access requires consistent quarterly spending.
No International Lounges: Benefits are limited strictly to domestic travel terminals.

ELIGIBILITY CRITERIA

Primary cardholder age: 18 to 70 years. Residential status: Resident of India. Employment: Salaried or Self-employed. Income requirements: Not specified on the official page. Documentation: PAN card, Photograph, Income proof (Salary slip/ITR), and Residence proof.

WELCOME BENEFITS

SpiceJet e-voucher worth ₹1,500 on completing 2 transactions within 30 days of card issuance. Complimentary SpiceClub Silver Membership.

CARD REVIEW

The SpiceJet Axis Bank Voyage Credit Card is a specialized travel card best suited for budget-conscious flyers who frequently use SpiceJet for domestic travel. For an affordable joining fee of ₹750, it provides a high reward rate on airline bookings and essential digital spends like food and bills. The inclusion of Silver membership adds tangible value through priority services, which is rare at this price point.

Value for money is strong, particularly in the first year where the annual fee is waived and a welcome voucher worth double the joining fee is provided. However, its main limitation is the “siloed” nature of the rewards; points cannot be transferred to other airlines or converted to cashback. This makes it a secondary card choice for general shoppers, but a primary tool for SpiceJet loyalists looking to subsidize their future travel.

Platform

Platform Overview

Skara Financial Services

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SpiceJet Axis Bank Voyage Credit Card