IndiGo Axis Bank Premium Credit Card
The IndiGo Axis Premium Credit Card is a good choice for people who travel frequently with IndiGo. The card comes with an annual fee of ₹5,000 + GST and offers welcome benefits such as 5,000 IndiGo BluChips and a 6E Eats voucher. You earn 7 BluChips for every ₹100 spent on IndiGo bookings, 3 BluChips per ₹100 on grocery and hotel spends, and 2 BluChips per ₹100 on other eligible purchases. These BluChips can later be used to save money on IndiGo flight bookings.
Apart from travel rewards, the card also offers complimentary domestic and international airport lounge access, making your journeys more comfortable. Cardholders can also enjoy Buy One Get One movie ticket offers through BookMyShow and other lifestyle benefits. If you regularly fly with IndiGo and want to earn rewards on your spending, this card can help you save on travel while enjoying extra benefits.
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 Premium Credit Card: Benefits, Rewards, Lounge Access & Key Features
The IndiGo Axis Premium Credit Card is designed for frequent IndiGo travelers and offers useful travel benefits and savings. Offered in partnership between IndiGo and Axis Bank, this card comes with an annual fee of ₹5,000 + GST and offers travel rewards, airport lounge access, milestone benefits, and lifestyle perks.
If you regularly book IndiGo flights and want to earn rewards on your travel spending, this card can help you save money through IndiGo BluChips that can be used for future flight bookings.
Welcome Benefits
When you pay the joining or annual fee, you receive:
- 5,000 IndiGo BluChips
- 1 complimentary 6E Eats voucher
These benefits are usually credited within 30 days of fee payment and can be used for future travel bookings and airport dining benefits.
Earn IndiGo BluChips on Every Spend
One of the biggest attractions of this card is its reward structure. Cardholders can earn IndiGo BluChips on eligible transactions.
| Spending Category | BluChips Earned |
|---|---|
| IndiGo flight bookings | 7 BluChips per ₹100 |
| Grocery & Hotel spends | 3 BluChips per ₹100 |
| Other eligible spends | 2 BluChips per ₹100 |
However, BluChips are not earned on fuel, rent, wallet loads, insurance payments, utility bills, jewellery purchases, telecom bills, and government transactions.
How Can You Use IndiGo BluChips?
The BluChips earned through this card can be redeemed while booking flights on the IndiGo website or mobile app.
Unlike many travel reward programs, these points are focused only on IndiGo flights. They cannot be transferred to hotel loyalty programs or other airline partners.
This makes the card simple to understand for regular IndiGo travellers. Instead of managing multiple reward programs, you can directly use your BluChips to reduce the cost of future flight bookings.
Real-Life Example: How Much Can You Save?
Suppose you spend around ₹20,000 every month on IndiGo flight bookings, groceries, hotels, and daily expenses.
Over a year, your spending could generate a substantial number of IndiGo BluChips. Combined with the welcome bonus and milestone rewards, these points can help reduce the cost of future domestic or international IndiGo flights.
For frequent flyers, the savings can be meaningful, especially when travel bookings form a large part of their annual expenses.
Milestone Benefits for High Spenders
The card rewards customers who spend more during the year.
Additional 5,000 BluChips vouchers are offered when you reach spending milestones of ₹2 lakh, ₹5 lakh, ₹8 lakh, and ₹12 lakh in a card anniversary year.
This feature makes the card more rewarding for professionals, business owners, and frequent travellers who use their credit card for most daily expenses.
Airport Lounge Access Benefits
Travel becomes more comfortable with complimentary airport lounge access.
Cardholders can enjoy:
- 2 domestic lounge visits every quarter
- 2 international lounge visits every year through Priority Pass
To get domestic lounge access, you must spend at least ₹50,000 in the previous three calendar months.
For people who travel regularly for work or family trips, lounge access can make airport waiting time much more comfortable with complimentary food, beverages, Wi-Fi, and seating facilities.
Why Frequent IndiGo Flyers May Like This Card
Many airline credit cards offer rewards that are difficult to understand or redeem. The IndiGo Axis Premium Credit Card keeps things relatively simple by focusing on IndiGo travel benefits.
If most of your flights are booked with IndiGo, earning and redeeming BluChips becomes straightforward. The card also combines travel rewards with airport lounge access, milestone bonuses, and lifestyle benefits, creating a well-rounded package for frequent travellers.
Another benefit is that you can earn rewards not only when booking flights but also on your grocery shopping and hotel expenses, allowing you to collect BluChips more quickly.
Things You Should Know Before Applying
While the card offers good travel benefits, there are a few points to keep in mind. The value of IndiGo BluChips is not fixed and can vary depending on the flight booking. This means the actual savings you receive may differ from one redemption to another.
You also get a free Priority Pass membership, but it is available only for the first two years. Domestic lounge access also requires meeting the spending condition, which may not suit occasional card users.
Therefore, the card delivers the best value when used actively throughout the year.
IndiGo Axis Premium Credit Card Review
The IndiGo Axis Premium Credit Card is a good choice for people who travel frequently with IndiGo. It offers useful benefits like welcome rewards, BluChips points, airport lounge access, travel perks, and extra rewards on spending, helping you save more on your trips.
If you often book IndiGo flights and can meet the spending requirements, this card can provide good value throughout the year. However, if you travel only occasionally, the annual fee may seem a bit expensive compared to the benefits you receive.
Is the IndiGo Axis Premium Credit Card Worth It for Frequent Travellers?
Yes, this card is best suited for people who frequently fly with IndiGo. It offers IndiGo BluChips on spends, airport lounge access, and other travel benefits that can help reduce overall travel costs.
How Much Is the Annual Fee and Can It Be Waived?
The card comes with a joining and annual fee of ₹5,000 + GST. You must pay the annual fee every year, as there is no option to get it waived. However, cardholders receive a 5,000 IndiGo BluChips voucher and a 6E Eats voucher on joining and renewal.
How Can I Redeem IndiGo BluChips?
IndiGo BluChips earned through the card can be used to book IndiGo flights. They cannot be transferred to other loyalty programs or redeemed for IndiGo add-ons and vouchers.
Does the Card Offer Airport Lounge Access?
Yes, you can enjoy free access to selected domestic and international airport lounges with this card. Domestic lounge visits are available after meeting the required spending criteria, while international lounge access is available through a complimentary Priority Pass membership.
How Long Is the Priority Pass Membership Valid?
The complimentary Priority Pass membership is available only for the first two years of card membership.
Do the Welcome Benefits Expire?
Yes. The welcome and renewal vouchers, including the 5,000 IndiGo BluChips voucher and 6E Eats voucher, are valid for six months from the date of issue.
Who Is Eligible to Apply for This Card?
Indian residents aged between 18 and 70 years with a minimum annual net income of ₹6 lakh can apply for the IndiGo Axis Premium Credit Card.
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