The verdict
Regional aur domestic budget travelers ke liye pocket-friendly card. Joining fee ₹750 ke against milne wala ₹2,000 flight voucher instant 2.6× upfront return deliver karta hai, jabki 9% flight rewards regular travel ko super economical bana dete hain.
The maths for it
Saal ka ₹20,000 SpiceJet tickets book karne pe ₹1,800 flight points + ₹2,000 welcome voucher + 4 domestic airport lounges (~₹4,000) + free preferred seat selection (~₹1,500) milakar ₹750 fee ke against ₹9,300+ net value banta hai (12.4× ROI).
The maths against
Agar aapko free onboard hot meals aur 14% higher flight points chahiye, toh Voyage Black variant better luxury offer karta hai.
✓What works
- +spicejet.com aur mobile app pe flight ticket bookings pe 9.0% valueback (18 SpiceClub points per ₹200).
- +Dining aur entertainment spends pe 4.0% valueback (8 SC points per ₹200).
- +All other retail transactions pe 2.0% valueback (4 SC points per ₹200).
- +30 days mein 2 swipes karne pe ₹2,000 ka SpiceJet flight voucher welcome gift.
- +Complimentary SpiceClub Silver Tier membership: free priority check-in aur free seat selection.
- +Saal mein 4 complimentary domestic airport lounges (1 per quarter).
✕What doesn't
- −Annual fee of ₹750 + GST with zero spend waiver.
- −SpiceClub points sirf SpiceJet bookings pe hi redeem hote hain.
- −Airport lounge access ke liye preceding quarter mein ₹50,000 spend mandatory.
What it earns
1 SpiceClub (SC) Point = ₹1.00 jab aap spicejet.com pe flight tickets book karte hain.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| SpiceJet Flight Ticket Bookings | 9.0% (18 SC / ₹200) | Uncapped | 9,000 SC Points (₹9,000 flight value) |
| Dining & Entertainment | 4.0% (8 SC / ₹200) | Uncapped | 4,000 SC Points (₹4,000 flight value) |
| All Other Domestic Retail Spends | 2.0% (4 SC / ₹200) | Uncapped | 2,000 SC Points (₹2,000 flight value) |
| Fuel & Rent | 0% | Excluded | 0 SC Points |
Accelerated earn
9% on SpiceJet Flights & SpiceClub Silver Privileges
Domestic flight bookings pe maximum savings earn karein.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| SpiceJet Channels18 SC points per ₹200 spent. | 9× · 9.0% | Uncapped | — |
| Dining & Entertainment8 SC points per ₹200 spent. | 4× · 4.0% | Uncapped | — |
Redemption options
spicejet.com pe 1 SC Point = ₹1.00 ki direct value pe flight tickets redeem karein.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| SpiceJet Flight Ticket BookingsBEST VALUE | ₹1.00 / SC Point | ₹0 (No minimum) | None | Nil |
| SpiceJet Seat Selection UpgradesBEST VALUE | ₹1.00 / SC Point | ₹0 (No minimum) | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +SpiceJet official website and mobile app flight bookings.
- +SpiceClub Silver Tier privileges (free seat + priority check-in).
- +4 domestic airport lounges per year (1 per quarter).
✕Excluded Spends & Fee Traps
- −Rent payments.
- −Fuel purchases (1% surcharge waiver on ₹400–₹4,000).
- −Wallet loads.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹750 + GST (₹2,000 SpiceJet Flight Voucher welcome gift) |
| Annual Renewal Fee | ₹750 + GST |
| Forex Markup | 3.5% + GST |
| Finance Charges | 3.6% / month (43.2% / year) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age | 21–65 years |
| Salaried Income | ₹25,000+ monthly net salary |
| Self-Employed Income | ITR above ₹3.0 Lakhs per annum |
Frequently Asked Questions
Kya SpiceJet Axis Bank Voyage Credit Card par airport lounge access milta hai?
Haan. 4 Domestic Lounges / year (1/qtr on ₹50k spend)
SpiceJet Axis Bank Voyage Credit Card ke MITC charges, annual fee aur interest rate kya hain?
Annual renewal fee ₹750 + GST hai. Fee waiver condition: No spend waiver (₹2,000 SpiceJet Voucher welcome gift offsets fee). Revolving credit interest rate: 3.6% / month (43.2% / year). Foreign currency markup: 3.5% + GST. Baaki ya missing charges ke liye bank ka current MITC check karein.
SpiceJet Axis Bank Voyage Credit Card par reward rate aur points ki real rupee value kya hai?
Published earn rate: 9% on SpiceJet Flights (18 SC/₹200) · 4% Dining · ₹2,000 Welcome Voucher · 4 Lounges. SpiceJet Flight Ticket Bookings par listed value: ₹1.00 / SC Point.
SpiceJet Axis Bank Voyage Credit Card par kin spends par rewards nahi milte aur fuel terms kya hain?
Listed exclusions: Rent payments., Fuel purchases (1% surcharge waiver on ₹400–₹4,000)., Wallet loads.. Fuel surcharge waiver ke liye bank ke terms check karein.
2026 mein SpiceJet Axis Bank Voyage Credit Card kin users ke liye best suited hai?
Card details ke mutabik yeh "Budget flyers, SpiceJet domestic routes, priority check-in & domestic lounges" ke liye suited hai. Apne spends aur annual fee se value compare karein.
Editorial Deep-Dive Analysis
Detailed Overview: SpiceJet Axis Bank Voyage Credit Card
SpiceJet Axis Bank Voyage Credit Card ek affordable entry-level co-branded airline card hai jo leisure domestic travelers, students aur occasional flyers ke liye design kiya gaya hai jo SpiceJet network par travel karte hain. ₹750 + GST ki affordable annual fee par aane wale is card mein koi spend-based fee waiver nahi hai; lekin joining aur har annual renewal fee payment par ₹2,000 SpiceJet flight ticket voucher milta hai jo first-year fee ko nearly 2.7X standalone value dekar compensate karta hai.
Cardholders ko enrollment par direct SpiceClub Classic membership milti hai, SpiceJet bookings par 14 SpiceClub points per ₹200 (7% return), dining par 6 points per ₹200, aur annual 4 domestic airport lounges deliver karta hai.
Key Privileges aur Everyday Benefits
- Guaranteed Annual ₹2,000 SpiceJet Flight Voucher: Joining aur har annual renewal fee payment par ₹2,000 ka complimentary SpiceJet ticket voucher (offsets ₹750 fee by ~2.7X).
- Instant SpiceClub Classic Membership: Complimentary SpiceClub Classic status with member-exclusive airfare discounts aur priority flash sales.
- Earn 7% Rewards on SpiceJet Flights:
- spicejet.com ya app par SpiceJet flight bookings par 14 SpiceClub points per ₹200 (7% return).
- Dining aur entertainment bookings par 6 SpiceClub points per ₹200 (3% return).
- Other general domestic aur international retail spending par 3 SpiceClub points per ₹200 (1.5% return).
- Domestic Airport Lounge Access: Per calendar quarter 1 complimentary domestic lounge visit (annual 4 visits) across India (previous quarter ₹50,000 spend criteria applicable).
- Milestone Bonus Points: Annual ₹1 Lakh aur ₹2 Lakhs spends complete karne par up to 4,000 bonus SpiceClub points.
Important Terms aur Spend Conditions jo Samajhna Zaroori Hai
- No Spend-Based Fee Waiver: ₹750 + GST annual fee spend se waive nahi hoti; annual ₹2,000 flight voucher fee ko compensate karta hai.
- Quarterly Lounge Access Spend Gate: Domestic lounge access ke liye previous 3 calendar months mein minimum ₹50,000 retail spend compulsory hai.
- Flight Voucher Terms: ₹2,000 flight voucher 12 months ke liye valid rehta hai aur sirf SpiceJet operated flights par use ho sakta hai.
- SpiceClub Points Value: Points SpiceJet tickets ke liye redeemable hain at 1 SpiceClub Point = up to ₹0.50 value.
- Excluded Spend Categories: Fuel, rent payments, wallet reloads, cash advances, utilities, aur government services par SpiceClub points nahi milte.
Yeh Card Kinke Liye Best Fit Hai
- Budget Domestic Travelers: Individuals jo year mein 1 ya 2 SpiceJet flights lete hain aur ₹750 fee ke against ₹2,000 ka free flight voucher chahte hain.
- First-Time Airline Card Seekers: Beginners jo low annual commitment ke sath guaranteed free travel enjoy karna chahte hain.
- Occasional Airport Lounge Users: Spenders jo previous quarter mein ₹50,000 spend criteria meet karke saal mein 4 airport lounges access karte hain.
linkVerified Data & Notice Sources
- Axis Bank & SpiceJet — Voyage Credit Card schedule of charges
- SpiceClub & Axis Bank — 9% flight valueback and SpiceClub Silver terms
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra ek independent credit card discovery platform hai. CredSutra koi Bank, NBFC ya Direct Selling Agent (DSA) nahi hai.
⚖️ Trademark & Intellectual Property Ownership:Is page par mention kiye gaye sabhi registered trademarks, brand names, aur card titles—jaise ki Axis Bank, HDFC Bank, Axis Bank, SBI Card, ICICI Bank, RBL Bank, American Express, Visa, Mastercard, RuPay—unke respective banks ke exclusive intellectual property hain. CredSutra in marks par koi ownership claim nahi karta.
🏛️ Nominative Fair Use (Trade Marks Act, 1999):Brand aur card names ka use Trade Marks Act 1999 Section 30 ke tehat strictly comparative identification aur consumer education purpose ke liye kiya gaya hai. CredSutra Axis Bank se affiliated ya endorsed nahi hai.
🎨 Original Procedural Visual Assets:CredSutra par dikhaye gaye card visuals original procedural CSS/SVG designs hain. Hum banks ke proprietary 3D card renders ya copyrighted images use nahi karte.
📋 Official Bank Terms & MITC Verification:Reward rates aur fees publicly available bank circulars aur MITC documents par based hain. Apply karne se pehle official bank portal par terms zaroor verify karein. Approval ka final decision exclusively Axis Bank ke paas hota hai.
Read Full Legal & Regulatory Disclaimers →Section 30 Trade Marks Act, 1999 & Rule 3(2) IT Rules 2021