The verdict
A tremendous high-yield aviation card for budget travelers flying regional and domestic routes. The ₹4,000 welcome flight voucher delivers an instant 2.0× upfront return on the ₹2,000 joining fee, while 14% flight rewards and Gold Tier perks make every SpiceJet journey highly rewarding.
The maths for it
Booking ₹30,000 in SpiceJet flights earns ₹4,200 in direct flight points + ₹4,000 welcome voucher + 8 domestic airport lounges (~₹8,000) + free meals/seats (~₹4,000 value), generating over ₹20,000 in travel value against ₹2,000 fee (10× ROI).
The maths against
For spenders who travel exclusively on IndiGo, Air India, or international non-SpiceJet routes, co-branded SpiceClub points cannot be utilized.
✓What works
- +14.0% valueback (28 SpiceClub points per ₹200) on all flight ticket bookings on spicejet.com and SpiceJet mobile app.
- +6.0% valueback (12 SC points per ₹200) on dining, food delivery, and entertainment spending.
- +3.0% valueback (6 SC points per ₹200) on all other domestic retail spending.
- +₹4,000 SpiceJet flight ticket voucher welcome gift upon completing 2 transactions within 30 days.
- +Complimentary SpiceClub Gold Tier membership: free priority check-in, priority baggage, complimentary preferred seat selection, and complimentary onboard meal.
- +8 complimentary domestic airport lounges per year (2 per quarter).
✕What doesn't
- −Annual fee of ₹2,000 + GST with zero spend-based fee waiver.
- −SpiceClub points are redeemable exclusively on SpiceJet booking platforms.
- −Domestic lounge access requires ₹50,000 spend in the preceding quarter.
What it earns
1 SpiceClub (SC) Point = ₹1.00 when booking flight tickets on spicejet.com.
| Category | Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| SpiceJet Flight Ticket Bookings | 14.0% (28 SC / ₹200) | Uncapped | 14,000 SC Points (₹14,000 flight value) |
| Dining, Food Delivery & Entertainment | 6.0% (12 SC / ₹200) | Uncapped | 6,000 SC Points (₹6,000 flight value) |
| All Other Domestic Retail Spends | 3.0% (6 SC / ₹200) | Uncapped | 3,000 SC Points (₹3,000 flight value) |
| Fuel & Rent | 0% | Excluded | 0 SC Points |
Accelerated earn
14% on SpiceJet Flights & SpiceClub Gold Privileges
Earn maximum returns on flight bookings and onboard meals.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| SpiceJet Channels28 SC points per ₹200 spent. | 14× · 14.0% | Uncapped | — |
| Dining & Entertainment12 SC points per ₹200 spent. | 6× · 6.0% | Uncapped | — |
Redemption options
Redeem SC points directly at 1 Point = ₹1.00 against SpiceJet flight fares.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| SpiceJet Flight Ticket BookingsBEST VALUE | ₹1.00 / SC Point | ₹0 (No minimum) | None | Nil |
| SpiceJet In-Flight Meals & Seat 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 Gold Tier membership privileges (free meal + seat).
- +8 domestic airport lounges per year (2 per quarter).
✕Excluded Spends & Fee Traps
- −Rent payments.
- −Fuel transactions (1% surcharge waiver on ₹400–₹4,00,0).
- −Wallet load transactions.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹2,000 + GST (₹4,000 SpiceJet Flight Voucher welcome gift) |
| Annual Renewal Fee | ₹2,000 + 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 | ₹45,000+ monthly net salary |
| Self-Employed Income | ITR above ₹5.5 Lakhs per annum |
Frequently Asked Questions
Does SpiceJet Axis Bank Voyage Black Credit Card offer airport lounge access?
Yes. 8 Domestic Lounges / year (2/qtr on ₹50k spend)
What are the MITC charges, annual fees, and interest rates for SpiceJet Axis Bank Voyage Black Credit Card?
The annual renewal fee is ₹2,000 + GST. Fee waiver condition: No spend waiver (₹4,000 SpiceJet Voucher welcome gift offsets fee). Revolving balance finance charges: 3.6% / month (43.2% / year). Foreign currency markup: 3.5% + GST. Check the current issuer MITC for other or missing charges.
What is the reward rate and point redemption value on SpiceJet Axis Bank Voyage Black Credit Card?
Published earn rate: 14% on SpiceJet Flights (28 SC/₹200) · 6% Dining · ₹4k Welcome Voucher · 8 Lounges. Listed SpiceJet Flight Ticket Bookings value: ₹1.00 / SC Point.
Which transactions are excluded from earning rewards on SpiceJet Axis Bank Voyage Black Credit Card?
Listed exclusions: Rent payments., Fuel transactions (1% surcharge waiver on ₹400–₹4,00,0)., Wallet load transactions.. Check the issuer terms for any fuel surcharge waiver.
Who is SpiceJet Axis Bank Voyage Black Credit Card best suited for in 2026?
The card details describe it as suited to SpiceJet flyers, domestic flight savings, priority check-in, free meals & airport lounges. Compare its terms with your spending and annual fee.
Editorial Deep-Dive Analysis
Comprehensive Overview: SpiceJet Axis Bank Voyage Black Credit Card
The SpiceJet Axis Bank Voyage Black Credit Card is a premium co-branded travel credit card engineered in alliance with SpiceJet for frequent domestic flyers across Tier-1, Tier-2, and Tier-3 city routes in India. Issued at an annual fee of ₹2,000 + GST with zero spend waiver, the card delivers immediate upfront value by crediting a complimentary ₹4,000 SpiceJet flight ticket voucher upon paying the joining and renewal fee, effectively doubling the cardholder’s investment on day one.
Cardholders automatically receive complimentary SpiceClub Silver tier membership, unlocking priority check-in, priority boarding, and dedicated baggage handling. Operating on SpiceJet’s frequent flyer loyalty program, the card earns an extraordinary 28 SpiceClub points per ₹200 spent on SpiceJet flights (14% return), 12 points per ₹200 on dining and entertainment, and 8 domestic airport lounges per year.
Key Privileges and Practical Everyday Benefits
- Guaranteed Annual ₹4,000 SpiceJet Flight Voucher: Receive a complimentary ₹4,000 SpiceJet flight ticket voucher credited on joining and on every annual renewal fee payment (offsets the ₹2,000 fee by 2X).
- Instant SpiceClub Silver Tier Status: Automatic SpiceClub Silver membership unlocking priority check-in at dedicated counters, priority boarding, and complimentary preferred seat selection.
- Pinnacle 14% Flight Reward Yield:
- Earn 28 SpiceClub points per ₹200 spent on SpiceJet flight tickets and add-on services booked via spicejet.com or the mobile app (14% return).
- Earn 12 SpiceClub points per ₹200 on online food delivery, dining, and entertainment (6% return).
- Earn 6 SpiceClub points per ₹200 on all other general retail domestic and international spends (3% return).
- Domestic Airport Lounge Access: 2 complimentary domestic airport lounge visits per calendar quarter (8 visits/year) across major airport terminals in India (subject to the standard ₹50,000 spend in the preceding 3 calendar months).
- Milestone Bonus Points: Earn up to 6,000 additional bonus SpiceClub points upon reaching annual retail spend milestones of ₹2.5 Lakhs and ₹5 Lakhs.
Important Terms and Spend Conditions to Keep in Mind
- No Spend-Based Fee Waiver: The ₹2,000 + GST annual fee cannot be waived through spending; cardholders receive a ₹4,00,0 flight voucher on renewal to offset the fee.
- Quarterly Lounge Access Spend Gate: Domestic lounge access requires spending at least ₹50,000 in the preceding 3 calendar months.
- Flight Voucher Terms & Route Restrictions: The ₹4,000 voucher is valid for 12 months and can only be redeemed on flights operated by SpiceJet; applicable passenger service fees and fuel taxes are payable in cash.
- SpiceClub Points Redemption: Points are redeemable for SpiceJet flight tickets and ancillary services at a rate of 1 SpiceClub Point = up to ₹0.50.
- Excluded Spend Categories: Fuel purchases, rent payments, wallet reloads, cash advances, utilities, and government services do not earn SpiceClub points.
Who Benefits Most
- Frequent SpiceJet Flyers: Travelers who regularly fly regional routes and Tier-2/Tier-3 city connections where SpiceJet operates direct, non-stop flights.
- Aviation Maximizers Seeking 2X Upfront ROI: Cardholders who appreciate paying a ₹2,000 fee to immediately receive a ₹4,000 flight ticket voucher.
- Regional Commuters Wanting Priority Ground Services: Passengers who benefit from SpiceClub Silver priority check-in and boarding lines.
linkVerified Data & Notice Sources
- Axis Bank & SpiceJet — Voyage Black Credit Card schedule of charges
- SpiceClub & Axis Bank — 14% flight rewards and SpiceClub Gold tier terms
Independent Editorial & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).
⚖️ Trademark & Intellectual Property Ownership:All registered trademarks, service marks, brand names, product titles, and emblems referenced on this page—including Axis Bank, HDFC Bank, Axis Bank, SBI Card, ICICI Bank, RBL Bank, American Express, Kotak Mahindra Bank, Visa, Mastercard, RuPay, and related marks—are the exclusive intellectual property of their respective banking corporations and trademark proprietors. CredSutra asserts no proprietary claim, title, or interest in these marks.
🏛️ Nominative Fair Use (Trade Marks Act, 1999):The display and descriptive mention of commercial brand and product names on this portal is strictly nominative and for comparative identification, consumer education, and public research purposes pursuant to Section 30(1) and Section 30(2)(d) of the Trade Marks Act, 1999 (India). CredSutra is not sponsored by, affiliated with, or endorsed by Axis Bank.
🎨 Original Procedural Visual Assets:All visual card cards rendered on CredSutra are original, procedural CSS/SVG mathematical abstractions. CredSutra does not scrape, host, or reproduce proprietary 3D card renders, official bank marketing collateral, or copyrighted photographic assets belonging to Axis Bank or payment networks.
📋 Official Bank Terms & Verification:Fee structures, reward multipliers, and lounge access rules are derived from publicly available Most Important Terms and Conditions (MITC) schedules and bank circulars. Card issuers retain the right to modify terms at their discretion. Outbound application links redirect users directly to the official bank portal, where the final decision on credit limits and issuance rests exclusively with Axis Bank.
Read Full Legal & Regulatory Disclaimers →Section 30 Trade Marks Act, 1999 & Rule 3(2) IT Rules 2021