The verdict
A high-return starter aviation card for regional travelers. The ₹2,000 welcome flight voucher delivers an immediate 2.6× return on the ₹750 annual fee, while 9% flight rewards make routine domestic travel exceptionally cost-effective.
The maths for it
Booking ₹20,000 in annual SpiceJet flights earns ₹1,800 in flight points + ₹2,000 welcome voucher + 4 domestic airport lounges (~₹4,000) + free preferred seats (~₹1,500), generating over ₹9,300 in travel value against ₹750 fee (12.4× ROI).
The maths against
For flyers wanting free onboard hot meals and 14% flight returns, the Voyage Black variant provides higher tier perks.
✓What works
- +9.0% valueback (18 SpiceClub points per ₹200) on all flight ticket bookings on spicejet.com and mobile app.
- +4.0% valueback (8 SC points per ₹200) on dining and entertainment spending.
- +2.0% valueback (4 SC points per ₹200) on all other domestic retail spending.
- +₹2,000 SpiceJet flight ticket voucher welcome gift upon completing 2 transactions within 30 days.
- +Complimentary SpiceClub Silver Tier membership: free priority check-in and complimentary preferred seat selection.
- +4 complimentary domestic airport lounges per year (1 per quarter).
✕What doesn't
- −Annual fee of ₹750 + GST with zero spend-based fee waiver.
- −SpiceClub points are redeemable strictly for SpiceJet flight tickets.
- −Domestic lounge access requires ₹50,000 spend in 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 | 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
Earn top valueback on budget flight bookings.
| 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
Redeem SC points directly at 1 Point = ₹1.00 against SpiceJet flight bookings.
| 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 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 transactions (1% surcharge waiver on ₹400–₹4,00,0).
- −Wallet load transactions.
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
Does SpiceJet Axis Bank Voyage Credit Card offer airport lounge access?
Yes. 4 Domestic Lounges / year (1/qtr on ₹50k spend)
What are the MITC charges, annual fees, and interest rates for SpiceJet Axis Bank Voyage Credit Card?
The annual renewal fee is ₹750 + GST. Fee waiver condition: No spend waiver (₹2,000 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 Credit Card?
Published earn rate: 9% on SpiceJet Flights (18 SC/₹200) · 4% Dining · ₹2,000 Welcome Voucher · 4 Lounges. Listed SpiceJet Flight Ticket Bookings value: ₹1.00 / SC Point.
Which transactions are excluded from earning rewards on SpiceJet Axis Bank Voyage 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 Credit Card best suited for in 2026?
The card details describe it as suited to Budget flyers, SpiceJet domestic routes, priority check-in & domestic lounges. Compare its terms with your spending and annual fee.
Editorial Deep-Dive Analysis
Comprehensive Overview: SpiceJet Axis Bank Voyage Credit Card
The SpiceJet Axis Bank Voyage Credit Card is an affordable entry-level co-branded airline card designed for leisure domestic travelers, students, and budget flyers who regularly fly on SpiceJet’s domestic network. Issued at an accessible annual fee of ₹750 + GST with zero spend waiver, the card delivers immediate positive value by crediting a complimentary ₹2,000 SpiceJet flight ticket voucher upon paying the joining and renewal fee, more than doubling the fee investment on day one.
Cardholders also receive complimentary SpiceClub Classic tier membership, 14 SpiceClub points per ₹200 spent on SpiceJet flights (7% return), 6 points per ₹200 on dining and entertainment, and 4 domestic airport lounge visits per year across India.
Key Privileges and Practical Everyday Benefits
- Guaranteed Annual ₹2,000 SpiceJet Flight Voucher: Receive a complimentary ₹2,000 SpiceJet flight ticket voucher credited on joining and on every annual renewal fee payment (offsets the ₹750 fee by nearly 2.7X).
- Instant SpiceClub Classic Tier Membership: Enjoy complimentary SpiceClub Classic membership with exclusive member flight booking discounts and promotional flash sales.
- Earn 7% Rewards on SpiceJet Flights:
- Earn 14 SpiceClub points per ₹200 spent on flight tickets and add-ons booked on spicejet.com or the mobile app (7% return).
- Earn 6 SpiceClub points per ₹200 on dining and entertainment bookings (3% return).
- Earn 3 SpiceClub points per ₹200 on all other general retail domestic and international spends (1.5% return).
- Domestic Airport Lounge Access: 1 complimentary domestic airport lounge visit per calendar quarter (4 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 4,000 additional bonus SpiceClub points upon reaching annual retail spend milestones of ₹1 Lakh and ₹2 Lakhs.
Important Terms and Spend Conditions to Keep in Mind
- No Spend-Based Fee Waiver: The ₹750 + GST annual fee cannot be waived through spending; the annual ₹2,000 flight voucher serves as the fee offset.
- Quarterly Lounge Access Spend Gate: Domestic lounge access requires spending at least ₹50,000 in the preceding 3 calendar months.
- Flight Voucher Validity: The ₹2,000 flight voucher is valid for 12 months from issuance and must be used on spicejet.com for flight bookings.
- SpiceClub Points Redemption: Points are redeemable for SpiceJet flight tickets and add-ons at 1 point = up to ₹0.50 value.
- Excluded Spend Categories: Fuel purchases, rent payments, wallet reloads, cash advances, utilities, and government services do not earn SpiceClub points.
Who Benefits Most
- Budget Domestic Flyers: Travelers who take 1 or 2 flights annually on SpiceJet and want a guaranteed ₹2,000 flight voucher against a ₹750 fee.
- First-Time Airline Cardholders: Beginners looking for high welcome voucher return with minimal annual fee risk.
- Occasional Airport Lounge Users: Spenders who meet the ₹50,000 quarterly spend gate and use 4 free airport lounge visits per year.
linkVerified Data & Notice Sources
- Axis Bank & SpiceJet — Voyage Credit Card schedule of charges
- SpiceClub & Axis Bank — 9% flight valueback and SpiceClub Silver terms
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