{
  "id": "axis-indigo-premium-credit-card",
  "locale": "hi",
  "name": "IndiGo Axis Bank Premium Credit Card",
  "bank": "Axis Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹5,000 + GST",
  "loungeAccess": "8 घरेलू लाउंज / वर्ष (2/तिमाही) + 2 अंतरराष्ट्रीय (Priority Pass)",
  "rewardsRate": "IndiGo पर 7.0% ब्लूचिप्स · 3.0% होटल व राशन · 5,000 वेलकम ब्लूचिप्स (₹5,000)",
  "bestFor": "बार-बार उड़ान भरने वाले, कॉरपोरेट बिजनेस यात्री, इंडिगो टिकट, 10 लाउंज और 2.5% फॉरेक्स",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/indigo-axis-bank-premium-credit-card",
  "aiVerdict": {
    "score": 3.1,
    "summary": "Its modest reward rate offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹5000) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 2,
  "affiliateId": "axis-indigo-premium-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 — IndiGo Premium Credit Card schedule of charges",
    "IndiGo BluChips Loyalty Program — Premium 7% earn, Priority Pass, and voucher redemption rules"
  ],
  "feeWaiver": "वार्षिक फीस पर ₹5,000 का इंडिगो फ्लाइट वाउचर + 6E Eats मील उपहार",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "IndiGo उड़ान खर्च",
      "value": "7.0% (7 ब्लूचिप्स / ₹100)"
    },
    {
      "key": "ग्रॉसरी व होटल",
      "value": "3.0% (3 ब्लूचिप्स / ₹100)"
    },
    {
      "key": "स्वागत उपहार",
      "value": "5,000 ब्लूचिप्स (₹5,000) + मील"
    },
    {
      "key": "वार्षिक नवीनीकरण",
      "value": "5,000 ब्लूचिप्स (₹5,000) + मील"
    },
    {
      "key": "लाउंज एक्सेस",
      "value": "8 घरेलू (2/तिमाही) + 2 इंटरनेशनल"
    },
    {
      "key": "फॉरेक्स मार्कअप",
      "value": "2.5% + GST (रियायती दर)"
    }
  ],
  "earnRates": [
    {
      "category": "IndiGo फ्लाइट्स व 6E Eats",
      "rate": "7.0% (7 BluChips / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "7,000 BluChips (₹7,000 मूल्य)"
    },
    {
      "category": "ग्रॉसरी, सुपरमार्केट्स व होटल",
      "rate": "3.0% (3 BluChips / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "3,000 BluChips (₹3,000 मूल्य)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "2.0% (2 BluChips / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "2,000 BluChips (₹2,000 मूल्य)"
    },
    {
      "category": "किराया, वॉलेट व यूटिलिटीज",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 BluChips"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "IndiGo फ्लाइट्स",
      "multiplier": "7 BluChips",
      "rate": "7.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "इंडिगो पर प्रति ₹100 पर 7 ब्लूचिप्स।"
    },
    {
      "channel": "ग्रॉसरी व होटल",
      "multiplier": "3 BluChips",
      "rate": "3.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "होटल पर प्रति ₹100 पर 3 ब्लूचिप्स।"
    },
    {
      "channel": "वार्षिक उपहार वाउचर",
      "multiplier": "5,000 Chips",
      "rate": "₹5,000 फ्लाइट वाउचर",
      "monthlyCap": "1 / वर्ष",
      "dailyCap": "—",
      "note": "₹5,000 वाउचर + 6E Eats मील।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "IndiGo फ्लाइट टिकट बुकिंग्स",
      "value": "₹1.00 / BluChip",
      "minPoints": "1 BluChip",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "6E Eats व इन-फ्लाइट सेवाएं",
      "value": "₹1.00 / BluChip",
      "minPoints": "1 BluChip",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "अन्य एयरलाइंस की टिकट बुकिंग (सामान्य 2% दर)।",
    "किराया भुगतान (Rent pay)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹5,000 + GST (5,000 ब्लूचिप्स ₹5,000 वाउचर + मील स्वागत उपहार)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹5,000 + GST (5,000 ब्लूचिप्स ₹5,000 वाउचर + मील नवीनीकरण उपहार)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "2.5% + GST (रियायती दर)"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.75% प्रति माह (55.55% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 65 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹50,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹6.0 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}