{
  "id": "axis-spicejet-voyage-black-credit-card",
  "locale": "en",
  "name": "SpiceJet Axis Bank Voyage Black Credit Card",
  "bank": "Axis Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹2,000 + GST",
  "loungeAccess": "8 Domestic Lounges / year (2/qtr on ₹50k spend)",
  "rewardsRate": "14% on SpiceJet Flights (28 SC/₹200) · 6% Dining · ₹4k Welcome Voucher · 8 Lounges",
  "bestFor": "SpiceJet flyers, domestic flight savings, priority check-in, free meals & airport lounges",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/spicejet-axis-bank-voyage-black-credit-card",
  "aiVerdict": {
    "score": 5.3,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 3,
  "affiliateId": "axis-spicejet-voyage-black-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Axis Bank & SpiceJet — Voyage Black Credit Card schedule of charges",
    "SpiceClub & Axis Bank — 14% flight rewards and SpiceClub Gold tier terms"
  ],
  "feeWaiver": "No spend waiver (₹4,000 SpiceJet Voucher welcome gift offsets fee)",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Welcome Gift",
      "value": "₹4,000 SpiceJet Voucher"
    },
    {
      "key": "SpiceJet Flights",
      "value": "28 SC / ₹200 (14%)"
    },
    {
      "key": "Dining & Food",
      "value": "12 SC / ₹200 (6%)"
    },
    {
      "key": "SpiceClub Tier",
      "value": "Complimentary Gold Tier"
    },
    {
      "key": "Domestic Lounge",
      "value": "8 visits / year (2/qtr)"
    },
    {
      "key": "Annual Fee",
      "value": "₹2,000 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "SpiceJet Flight Ticket Bookings",
      "rate": "14.0% (28 SC / ₹200)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "14,000 SC Points (₹14,000 flight value)"
    },
    {
      "category": "Dining, Food Delivery & Entertainment",
      "rate": "6.0% (12 SC / ₹200)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "6,000 SC Points (₹6,000 flight value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "3.0% (6 SC / ₹200)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,000 SC Points (₹3,000 flight value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 SC Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "SpiceJet Channels",
      "multiplier": "14×",
      "rate": "14.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "28 SC points per ₹200 spent."
    },
    {
      "channel": "Dining & Entertainment",
      "multiplier": "6×",
      "rate": "6.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "12 SC points per ₹200 spent."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "SpiceJet Flight Ticket Bookings",
      "value": "₹1.00 / SC Point",
      "minPoints": "₹0 (No minimum)",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "SpiceJet In-Flight Meals & Seat Upgrades",
      "value": "₹1.00 / SC Point",
      "minPoints": "₹0 (No minimum)",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel transactions (1% surcharge waiver on ₹400–₹4,00,0).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹2,000 + GST (₹4,000 SpiceJet Flight Voucher welcome gift)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹2,000 + GST"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.6% / month (43.2% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹45,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹5.5 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}