IndiGo Axis Bank Credit Card
The IndiGo Axis Bank Credit Card and IndiGo Axis Bank Premium Credit Card are travel credit cards offered by Axis Bank and IndiGo. These cards let you earn IndiGo BluChips on your spending, which can be used to book IndiGo flights. The IndiGo Axis Bank Credit Card is the basic and more affordable option. It comes with a joining and annual fee of ₹799 + GST and offers 1,200 IndiGo BluChips as a welcome benefit. Cardholders also earn extra rewards on IndiGo bookings, get complimentary domestic airport lounge access every quarter, and can use the card for UPI payments through the RuPay network.
The card is not only useful for travel but also for everyday spending. You can earn rewards on purchases like groceries and dining, while IndiGo bookings give higher rewards. It also offers milestone benefits when you reach certain spending levels during the year. Although there is no annual fee waiver, the renewal benefit of 1,200 BluChips helps offset the annual fee. Overall, this card is a good choice for regular IndiGo travelers who want travel rewards and basic travel benefits at a low cost.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
IndiGo Axis Bank Credit Card - BluChips Earnings And Rewards & Benefits
Welcome and Renewal Benefits
The card offers attractive joining and renewal benefits that enhance its overall value proposition. Upon payment of the joining fee and annual renewal fee, 1,200 IndiGo BluChips are credited to the cardholder's IndiGo BluChips account within 30 days.
- 1,200 IndiGo BluChips as a welcome benefit
- 1,200 IndiGo BluChips on annual renewal
- Accelerated rewards on IndiGo flight bookings
- Rewards on grocery, dining, and eligible retail spending
- Additional BluChips on eligible RuPay UPI transactions
Earn IndiGo BluChips on Travel and Everyday Spending
The IndiGo Axis Bank Credit Card is a travel-focused credit card designed for frequent IndiGo flyers who want to maximize rewards on flight bookings and daily expenses. Through the IndiGo BluChips loyalty program, cardholders can earn valuable travel rewards that can be redeemed for future IndiGo flight bookings.
As a welcome benefit, cardholders receive 1,200 IndiGo BluChips after paying the joining fee. The same reward is offered every year on payment of the annual renewal fee, adding long-term value and helping offset the card's annual cost.
IndiGo BluChips Earning Rate
| Spending Category | IndiGo BluChips Earned |
|---|---|
| IndiGo Flight Bookings | 3 BluChips per ₹100 |
| Grocery Purchases | 2 BluChips per ₹100 |
| Dining Transactions | 2 BluChips per ₹100 |
| Other Eligible Retail Spends | 1 BluChip per ₹100 |
| Eligible UPI Transactions | Up to 750 BluChips per year |
Save More on IndiGo Flight Bookings
One of the biggest advantages of the IndiGo Axis Bank Credit Card is its accelerated reward rate on IndiGo bookings. Every flight booked through eligible IndiGo channels earns higher BluChips, allowing travelers to accumulate rewards faster and reduce future travel expenses.
For frequent domestic travelers, these rewards can add up quickly over time. Whether you travel for business or leisure, the BluChips earned on every booking can be redeemed toward future flights, helping you get more value from your travel spending.
Milestone Benefits: Earn Up to 2,400 Bonus BluChips
The IndiGo Axis Bank Credit Card rewards loyal users with milestone bonuses based on annual spending. These additional rewards can significantly increase the total number of BluChips earned during the year.
- 1,200 bonus BluChips on annual spending of ₹1.5 lakh
- Additional 1,200 bonus BluChips on annual spending of ₹3 lakh
- Total milestone rewards of up to 2,400 BluChips every year
For cardholders who regularly use the card for travel and daily expenses, these milestone rewards can contribute meaningful savings on future IndiGo bookings.
How to Redeem IndiGo BluChips
IndiGo BluChips can be redeemed directly through the IndiGo website or mobile app when booking flights. Unlike traditional reward points programs, BluChips do not have a fixed redemption value. Their value depends on several factors, including travel route, travel dates, ticket availability, and prevailing airfare at the time of redemption.
This dynamic redemption model allows travelers to maximize value based on their booking preferences and travel plans.
Transactions Excluded from BluChips Rewards
While the card rewards most eligible transactions, certain categories do not earn IndiGo BluChips.
- Government transactions
- Insurance premium payments
- Utility and telecom bill payments
- Rent payments
- Wallet loading transactions
- Fuel purchases
- Jewellery transactions
IndiGo Axis Bank Credit Card Review
The IndiGo Axis Bank Credit Card is an excellent option for travelers who frequently fly with IndiGo and want to earn airline rewards without paying a high annual fee. The card combines welcome benefits, renewal rewards, accelerated BluChips earnings, milestone bonuses, RuPay UPI rewards, and travel-focused benefits in a single package.
While the value of BluChips varies at the time of redemption and certain spending categories are excluded from rewards, the card still offers strong value for regular IndiGo customers. For anyone looking to save on future flight bookings while earning rewards on everyday purchases, the IndiGo Axis Bank Credit Card remains a compelling travel credit card in India.
What are the main benefits of the IndiGo Axis Bank Credit Card?
The card lets you earn IndiGo BluChips on flight bookings and everyday spending. It also offers domestic airport lounge access, welcome benefits, renewal rewards, and milestone bonuses for higher spending.
Who is the IndiGo Axis Bank Credit Card best for?
This card is best suited for frequent IndiGo travelers who want to save on flight bookings and earn rewards without paying a high annual fee.
How much is the annual fee for this card?
You need to pay a joining fee of ₹799 + GST when you get the card, and an annual fee of ₹799 + GST every year to continue using it. In return, cardholders receive BluChips benefits that help offset the cost.
How can I earn and redeem IndiGo BluChips?
You earn 3 BluChips per ₹100 spent on IndiGo bookings, 2 BluChips per ₹100 on dining and grocery purchases, and 1 BluChip per ₹100 on other eligible spends. Earned BluChips can be redeemed on the IndiGo website or app for flight bookings.
Does the card provide airport lounge access?
Yes, the card offers 1 complimentary domestic lounge visit every quarter, up to 4 visits per year. This benefit is available after meeting the required spending condition. International lounge access is not included.
Are there any milestone rewards on this card?
Yes, you can earn 1,200 bonus BluChips after spending ₹1.5 lakh in a year and another 1,200 BluChips after spending ₹3 lakh in a year, for a total of 2,400 bonus BluChips.
What are the drawbacks of the IndiGo Axis Bank Credit Card?
The card does not include access to international airport lounges. To use domestic airport lounges, you need to meet the minimum spending requirement. Also, the rewards on regular purchases are quite limited, as you earn only 1 BluChip for every ₹100 spent.
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