{
  "id": "axis-indigo-premium-credit-card",
  "locale": "hinglish",
  "name": "IndiGo Axis Bank Premium Credit Card",
  "bank": "Axis Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹5,000 + GST",
  "loungeAccess": "8 Domestic Lounges / year (2/qtr) + 2 International (Priority Pass)",
  "rewardsRate": "7.0% BluChips on IndiGo · 3.0% on Groceries/Hotels · 5,000 Welcome BluChips (₹5,000)",
  "bestFor": "Frequent flyers, corporate business travelers, IndiGo flights, airport lounges & 2.5% forex",
  "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": "₹5,000 IndiGo Voucher + 6E Eats Meal credited on annual fee payment",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "IndiGo Flight Spends",
      "value": "7.0% (7 BluChips / ₹100)"
    },
    {
      "key": "Groceries & Hotels",
      "value": "3.0% (3 BluChips / ₹100)"
    },
    {
      "key": "Welcome Gift",
      "value": "5,000 BluChips (₹5,000) + 6E Eats"
    },
    {
      "key": "Annual Renewal Gift",
      "value": "5,000 BluChips (₹5,000) + 6E Eats"
    },
    {
      "key": "Lounge Access",
      "value": "8 Domestic (2/qtr) + 2 Intl"
    },
    {
      "key": "Forex Markup",
      "value": "2.5% + GST (Discounted)"
    }
  ],
  "earnRates": [
    {
      "category": "IndiGo Flights & 6E Eats",
      "rate": "7.0% (7 BluChips / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "7,000 BluChips (₹7,000 value)"
    },
    {
      "category": "Groceries, Supermarkets & Hotels",
      "rate": "3.0% (3 BluChips / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,000 BluChips (₹3,000 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "2.0% (2 BluChips / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 BluChips (₹2,000 value)"
    },
    {
      "category": "Rent, Wallet & Utilities",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 BluChips"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "IndiGo Flights",
      "multiplier": "7 BluChips",
      "rate": "7.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "7 BluChips per ₹100 on IndiGo."
    },
    {
      "channel": "Groceries & Hotels",
      "multiplier": "3 BluChips",
      "rate": "3.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "3 BluChips per ₹100 on hotels/grocery."
    },
    {
      "channel": "Annual Renewal Gift",
      "multiplier": "5,000 Chips",
      "rate": "₹5,000 Flight Voucher",
      "monthlyCap": "1 / year",
      "dailyCap": "—",
      "note": "₹5,000 voucher + 6E Eats meal."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "IndiGo Flight Ticket Bookings",
      "value": "₹1.00 / BluChip",
      "minPoints": "1 BluChip",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "6E Eats & In-Flight Add-ons",
      "value": "₹1.00 / BluChip",
      "minPoints": "1 BluChip",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Other airline ticket purchases (standard 2% rate).",
    "Rent payments.",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹5,000 + GST (5,000 BluChips ₹5,000 voucher + meal welcome gift)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹5,000 + GST (5,000 BluChips ₹5,000 voucher + meal renewal gift)"
    },
    {
      "item": "Forex Markup",
      "value": "2.5% + GST (Discounted rate)"
    },
    {
      "item": "Finance Charges",
      "value": "3.75% / month (55.55% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹50,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹6.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}