{
  "id": "axis-spicejet-voyage-credit-card",
  "locale": "hinglish",
  "name": "SpiceJet Axis Bank Voyage Credit Card",
  "bank": "Axis Bank",
  "cardType": "travel",
  "cardTier": "entry",
  "annualFee": "₹750 + GST",
  "loungeAccess": "4 Domestic Lounges / year (1/qtr on ₹50k spend)",
  "rewardsRate": "9% on SpiceJet Flights (18 SC/₹200) · 4% Dining · ₹2,000 Welcome Voucher · 4 Lounges",
  "bestFor": "Budget flyers, SpiceJet domestic routes, priority check-in & domestic lounges",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/spicejet-axis-bank-voyage-credit-card",
  "aiVerdict": {
    "score": 5,
    "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": 2,
  "affiliateId": "axis-spicejet-voyage-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 Credit Card schedule of charges",
    "SpiceClub & Axis Bank — 9% flight valueback and SpiceClub Silver terms"
  ],
  "feeWaiver": "No spend waiver (₹2,000 SpiceJet Voucher welcome gift offsets fee)",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Welcome Gift",
      "value": "₹2,000 SpiceJet Voucher"
    },
    {
      "key": "SpiceJet Flights",
      "value": "18 SC / ₹200 (9%)"
    },
    {
      "key": "Dining Spends",
      "value": "8 SC / ₹200 (4%)"
    },
    {
      "key": "SpiceClub Tier",
      "value": "Complimentary Silver Tier"
    },
    {
      "key": "Domestic Lounge",
      "value": "4 visits / year (1/qtr)"
    },
    {
      "key": "Annual Fee",
      "value": "₹750 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "SpiceJet Flight Ticket Bookings",
      "rate": "9.0% (18 SC / ₹200)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "9,000 SC Points (₹9,000 flight value)"
    },
    {
      "category": "Dining & Entertainment",
      "rate": "4.0% (8 SC / ₹200)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "4,000 SC Points (₹4,000 flight value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "2.0% (4 SC / ₹200)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 SC Points (₹2,000 flight value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 SC Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "SpiceJet Channels",
      "multiplier": "9×",
      "rate": "9.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "18 SC points per ₹200 spent."
    },
    {
      "channel": "Dining & Entertainment",
      "multiplier": "4×",
      "rate": "4.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "8 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 Seat Selection Upgrades",
      "value": "₹1.00 / SC Point",
      "minPoints": "₹0 (No minimum)",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹4,000).",
    "Wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹750 + GST (₹2,000 SpiceJet Flight Voucher welcome gift)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹750 + 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": "₹25,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹3.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}