SpiceJet Axis Bank Voyage Credit Card
The SpiceJet Axis Bank Voyage Credit Card is a travel credit card launched by Axis Bank with SpiceJet in May 2022. It has a joining fee of Rs. 750 and gives a SpiceJet voucher worth Rs. 1,500 after you complete two transactions within 30 days of card activation. Cardholders get a free SpiceClub Silver Membership and can earn up to 18 SpiceClub points for every Rs. 200 spent on SpiceJet flight bookings through the website or app. The card also offers free domestic airport lounge access and discounts on dining.
This card gives extra rewards on SpiceJet and online spending. You earn 2X reward points on SpiceJet bookings, online utility bills, food orders, and entertainment spends. With the SpiceClub Silver Membership, your total rewards on SpiceJet bookings increase to 18 points per Rs. 200. These points can be used to book flights, meals, and other services on SpiceJet. The card is best for people who travel often with SpiceJet, while others may choose a general travel credit card.
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 Credit Card: Features, Benefits, and How to Apply
The SpiceJet Axis Bank Voyage Credit Card is a popular travel credit card in India, designed for frequent domestic travelers. This co-branded card offers a host of rewards, benefits, and privileges that make booking flights, dining, and shopping more rewarding. With this card, you earn SpiceClub Points not just on SpiceJet bookings but also on other eligible spending categories. Here’s everything you need to know about the card in simple, SEO-friendly terms.
Welcome Benefits
New cardholders get a Rs. 1,500 flight voucher after completing just 2 transactions within 30 days of receiving the card. This is a great way to kickstart your travel journey and enjoy savings from the very beginning.
Reward Points on Spending
The SpiceJet Axis Bank Voyage Credit Card lets you earn points on multiple spending categories:
- 18 SpiceClub Points per Rs. 200 spent on SpiceJet website or mobile app bookings.
- Get 6 points per Rs. 200 on online bills, entertainment, and food delivery.
- Earn 3 points per Rs. 200 on other domestic and international spending (excluding fuel, EMI, and wallet transactions).
These points can be redeemed for flight tickets, meal vouchers, and other offers available on the SpiceJet website or app, with 1 point equal to Re. 0.50.
Travel and Airport Benefits
The card offers travel perks that enhance your journey:
- Get 4 free lounge visits each year at certain domestic airports.
- Complimentary SpiceClub Silver Membership, giving access to additional rewards and privileges.
Whether you’re catching a morning flight or a weekend getaway, these benefits make your travel experience smoother and more enjoyable.
Milestone and Renewal Rewards
The SpiceJet Axis Bank Voyage Credit Card rewards loyal customers with extra points for milestones:
- Earn 2,000 points for annual spending of Rs. 1,00,000.
- Earn 3,000 points for annual spending of Rs. 2,00,000.
Additionally, 1,000 points are credited to your account on successful renewal with a Rs. 750 fee, adding value to your continued membership.
Dining Benefits
Food lovers can enjoy up to 15% discount at 4,000+ restaurants across India through the Axis Bank Dining Delights program. This makes dining out more rewarding while helping you save on every meal.
Fuel Surcharge Waiver
Cardholders get a 1% fuel surcharge waiver on fuel transactions between Rs. 400–4,000, with a maximum benefit of Rs. 400 per month. This perk is particularly useful for regular drivers, adding savings to your everyday fuel expenses.
Zero Liability on Lost Card
In case your card is lost or stolen, you are not responsible for any fraudulent transactions, provided you inform Axis Bank immediately. This ensures peace of mind while using your card.
Fees and Charges
While the card offers multiple benefits, here’s a clear view of its costs:
- Joining fee: Rs. 750 + taxes
- Renewal fee: Rs. 750 + taxes
- International transactions: 3.5% of transaction value
- Cash advance fee: 2.5% of withdrawn amount or Rs. 500, whichever is higher
- Monthly interest: 3.75% (annual interest: 55.55%)
Understanding these charges helps you manage your spending effectively and avoid unexpected costs.
SpiceJet Axis Bank Voyage Credit Card Eligibility Criteria
To apply for the SpiceJet Axis Bank Voyage Credit Card, you need to meet the following criteria:
- Must be an Indian resident aged 18–70 years
- Can be salaried or self-employed with a stable income
- Must have a good CIBIL score
Axis Bank will communicate the application decision within 21 working days, and final approval is at the bank’s discretion.
Documents Required
If you’re applying for the card, keep these documents ready:
- Passport-size photograph
- PAN Card or Form 60
- Income proof: IT Return, Form 16, or last 3 months’ payslips
- Address proof: Ration Card, Passport, Landline/Electricity bill
- Identity proof: PAN, Aadhaar, Passport, or Driving License
How to Apply
The card can be applied for online or offline:
Online Application
- Visit the Axis Bank website.
- Go to the Credit Card section.
- Select SpiceJet Axis Bank Voyage Credit Card.
- Enter your information and upload the needed documents.
- Submit the application for processing.
Offline Application
- Visit the nearest Axis Bank branch with required documents.
- Fill out the physical application form.
- Submit it to the credit card department for processing.
Bottom Line
The SpiceJet Axis Bank Voyage Credit Card is ideal for domestic travelers who want to earn rewards while enjoying travel perks. With generous SpiceClub Points, milestone bonuses, renewal rewards, dining discounts, fuel waivers, and complimentary lounge access, this card provides excellent value for a joining fee of Rs. 750. It is a strong choice among co-branded travel credit cards in India, offering both convenience and rewards for frequent flyers.
How much does the SpiceJet Axis Bank Voyage Credit Card cost?
The card has an annual fee of Rs. 750 plus taxes. There’s no fee waiver, but you earn 1,000 SpiceClub Points when you pay the renewal fee.
How can I apply for the card?
You can apply online on the Axis Bank website or offline at any Axis Bank branch by submitting the application and required documents.
What rewards can I earn?
You can earn up to 18 SpiceClub Points for every Rs. 200 spent on SpiceJet bookings — 6 points from the card and 12 points from the free SpiceClub Silver Membership. Points can be redeemed for flight tickets, meal vouchers, and other services on SpiceJet.
Can I save on flights or other travel spends?
Yes, you can redeem your SpiceClub Points to save on flight tickets. The card also gives 4 complimentary domestic lounge visits per year, usually based on spending Rs. 50,000 in the previous quarter.
Does the card offer fuel surcharge or dining discounts?
Yes, you get a 1% fuel surcharge waiver at fuel stations (up to Rs. 400 per month) and up to 15% off at 4,000+ restaurants in India via Axis Bank Dining Delights.
Is this card good for international spending?
The card earns 3 points per Rs. 200 on international transactions, but a high 3.5% forex fee reduces the value. It’s better to use cards with low or zero forex fees for overseas spending.
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