SpiceJet Axis Bank Voyage Black Credit Card
The SpiceJet Axis Bank Voyage Black Credit Card is a travel credit card made for people who often fly with SpiceJet. It has a joining and annual fee of Rs. 2,000, but you receive a Rs. 4,000 flight voucher as a welcome gift, which gives you more value than the fee you pay. The card also offers SpiceClub Gold Membership and lets you earn SpiceClub points that can be used to book SpiceJet flights, meals, and other services through the SpiceJet app or website. You also get free access to domestic airport lounges every year, which is helpful if you travel by air regularly.
You can earn up to 28 SpiceClub points for every Rs. 200 you spend on SpiceJet tickets, and 12 points for every Rs. 200 spent on everyday online transactions like bills, food delivery, and entertainment. You can earn up to 8,000 bonus points in a year based on your total spending and get 2,000 extra points when you renew the card each year. However, the card does not offer international lounge access and has a high foreign currency markup fee of 3.5 percent. Also, domestic lounge access depends on meeting spending limits. Overall, this card is best suited for frequent SpiceJet travelers who want simple and easy travel rewards.
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.
SpiceJet Axis Bank Voyage Black Credit Card – Benefits, Rewards, and Features
The SpiceJet Axis Bank Voyage Black Credit Card is a premium travel card designed for frequent flyers, especially those who prefer SpiceJet Airlines. It helps cardholders earn rewards on flight bookings as well as everyday online transactions. This card is ideal for travelers who want to save on travel costs while earning points that can be redeemed for flights, meal vouchers, and other travel-related services.
Reward Points on Spending
The card lets you earn SpiceClub points on different kinds of purchases.
- Earn 28 SpiceClub points for every Rs. 200 spent on SpiceJet bookings via the website or mobile app.
- Earn 12 points for every Rs. 200 spent on online bill payments, food orders, and entertainment subscriptions.
- Earn 6 points for every Rs. 200 spent on other eligible purchases.
Some transactions are excluded from earning points, such as fuel purchases, educational fees, insurance payments, government-related transactions, rent, gift card purchases, wallet top-ups, EMI transactions, and cash withdrawals.
Welcome Benefits
When you get this card, you receive a complimentary SpiceClub Gold Membership, which gives additional privileges for SpiceJet travelers. In addition, you get a Rs. 4,000 SpiceJet flight voucher if you complete at least two transactions within the first 30 days of card issuance. These welcome benefits provide immediate value and can cover the joining fee.
Milestone Rewards
The Voyage Black Credit Card also offers bonus points based on your annual spending:
- Earn 4,000 bonus SpiceClub points if you spend Rs. 2 lakh or more in a year.
- Earn 6,000 extra points if your annual spending reaches Rs. 4 lakh or more.
These milestone rewards are ideal for frequent travelers who consistently use the card for flight bookings and other transactions.
Renewal Benefits
Every year, on successful renewal of the card, cardholders get 2,000 bonus SpiceClub points, helping maintain your points balance and encouraging continued usage of the card for flights and online spending.
Travel and Lounge Benefits
Cardholders enjoy 8 complimentary domestic airport lounge visits per year, with a maximum of 2 visits per quarter. While the card does not provide international lounge access, this benefit is useful for domestic travelers who want comfort and convenience at airports.
Fuel Surcharge Waiver
The card gives a 1% discount on fuel charges for transactions between Rs. 400 and Rs. 4,000, up to a maximum of Rs. 400 each month. This helps reduce regular fuel costs for users who spend on fuel frequently.
Reward Redemption Options
The points earned through the card can be redeemed for SpiceJet flight bookings, meal vouchers, and other travel-related services via the SpiceJet app or website. Each SpiceClub point has a monetary value of Re. 0.50, allowing users to save significantly on travel expenses.
Fees and Charges
The SpiceJet Axis Bank Voyage Black Credit Card has the following fees:
- Joining and annual fee: Rs. 2,000
- Interest rate: 3.75% per month
- Cash advance fee: Withdrawing cash using this card costs 2.5% of the amount, but at least Rs. 500.
- Foreign currency markup fee: 3.5% per international transaction
While these fees are typical for premium travel cards, the foreign currency fee makes this card less suitable for frequent international spending.
SpiceJet Axis Bank Voyage Black Credit Card Eligibility Criteria
To apply for this card, you must meet the following requirements:
- Age between 18 and 70 years
- Have a stable source of income
- Must be a resident of India
Who Should Consider This Card
The Voyage Black Credit Card is best suited for frequent domestic travelers who fly with SpiceJet. It is also ideal for individuals who make regular online transactions such as bill payments, food delivery, and entertainment subscriptions, as these earn bonus points. If you travel often and want to maximize rewards while enjoying lounge access and flight vouchers, this card provides excellent value.
SpiceJet Axis Bank Voyage Black Credit Card Review
The SpiceJet Axis Bank Voyage Black Credit Card offers a strong combination of rewards, benefits, and convenience for frequent flyers. With attractive welcome bonuses, milestone rewards, and lounge access, it helps cardholders save on travel and daily online transactions. The card’s points can be redeemed for flights, meal vouchers, and other services within the SpiceJet ecosystem, providing tangible value.
While the annual fee of Rs. 2,000 may seem high for some, the benefits, flight voucher, and bonus points can more than offset this cost for users who maximize the card’s features. Overall, this card is an excellent option for travelers who want to earn rewards on SpiceJet flights, enjoy domestic lounge access, and make the most of online spending through a dedicated travel credit card.
What are the main benefits of the SpiceJet Axis Bank Voyage Black Credit Card?
The card gives a Rs. 4,000 SpiceJet voucher when you complete two transactions in the first 30 days and comes with a free SpiceClub Gold Membership. You also get 8 free domestic lounge visits each year, bonus SpiceClub points on your spending, and discounts on dining at partner restaurants.
How can I earn and use rewards with this card?
You earn SpiceClub points on SpiceJet bookings and everyday online spends like bills, food delivery, and entertainment. Points can be used only for SpiceJet flights, meal vouchers, or other travel services through the SpiceJet app or website. Cashback is not available.
Who can apply and how do I get this card?
You need to be at least 18 years old. You can apply online on Axis Bank’s website or offline by visiting a branch and submitting the completed application with documents.
Is there a joining or annual fee for the card?
Yes, the card has a joining and annual fee of Rs. 2,000, which is generally covered by the welcome benefits like the flight voucher.
Can I use the card for international travel or lounges?
No, the card does not include international lounge access and has a high foreign exchange fee of 3.5%, so it’s not ideal for international spending.
Are there any restrictions or conditions I should know about?
Domestic lounge access depends on your spending. Dining discounts require a minimum purchase of Rs. 2,500. Rewards can only be used within the SpiceJet ecosystem.
What is the value of SpiceClub points?
Each SpiceClub point is worth Re. 0.5.
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