M16S / Axis Bank / IndiGo Axis Bank Premium Credit Card
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IndiGo Axis Bank Premium Credit Card
The IndiGo Axis Bank Premium Credit Card costs Rs 5,000 a year. It earns 2 BluChips per Rs 100. The forex markup is 2.5%. Lounge visits in India: 2 per quarter. Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Rs 5,000+ GST
- Fee waived at
- —
- Base return
- —
- Forex markup
- 2.5%
- Interest
- 3.75%a month
Apply on axis.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 5,000 |
|---|---|
| Annual fee | Rs 5,000 |
| Fee notes | No spend waiver |
Rewards
| Welcome benefit | Voucher worth 5,000 BluChips plus one 6E Eats voucher on payment of the joining fee; repeats every year on payment of the annual fee. Page advertises a double welcome bonus for applications between 1 Sep and 31 Oct. |
|---|---|
| Reward currency | IndiGo BluChips |
| Base earn | 2 BluChips per Rs 100 |
| Point value | No fixed value; BluChips redeem on IndiGo flights |
| Accelerated earn | 7 BluChips per Rs 100 on all IndiGo channels (up to 23 with IndiGo's own bonuses); 3 per Rs 100 on groceries and hotels (issuer page) |
| Spends that earn nothingunverified | Government, insurance, utilities incl. telecom, rent, wallet, fuel, jewellery |
| Points expiry | BluChips stay valid while the member has earn/burn activity within 24 months; BluChip vouchers must be used within 6 months |
| Milestone benefits | Voucher worth 5,000 BluChips each at Rs 2 lakh, 5 lakh, 8 lakh and 12 lakh annual spend (4 vouchers) |
| Reward notes | base_return_pct left null because BluChips have no fixed rupee value. The Axis product page says the 3-BluChip tier covers groceries and hotels; IndiGo's own page said grocery and dining. |
Travel and perks
| Domestic lounge | 2 per quarter |
|---|---|
| International lounge | 2 complimentary visits via Priority Pass membership (issuer page; catalog period: per year) |
| Lounge conditions | Domestic: needs Rs 50,000 spend in the preceding 3 months (issuer page); waived in issuance month + next 3 months; guests paid |
| Forex markup | 2.5% |
| Other freebies | BookMyShow buy-one-get-one on movie tickets once a month; Dining Delights; Wednesday offers |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Age 18-70; net income at least Rs 6 lakh a year; resident of India |
| Fine-print notes | Launched 18 Feb 2026. DCC markup also 2.5% (MITC). Product page read 2026-10-12 confirms Rs 5,000 fee, 2.5% forex and DCC, earn rates, milestones, lounge and 3.75% interest. Reward exclusions are not listed on the page. Conflicts resolved from issuer page read 2026-10-12: other_freebies: old listed 'EazyDiner offers' and a Rs 250 BOGO cap -> issuer page lists BookMyShow BOGO once a month and Dining Delights; no EazyDiner offer or rupee cap on the page | accelerated_earn: IndiGo page said the 3-BluChip tier is grocery and dining -> Axis product page says groceries and hotels |
Questions
- What is the annual fee of the IndiGo Axis Bank Premium Credit Card?
- Rs 5,000 a year, before GST.
- Does the IndiGo Axis Bank Premium Credit Card give airport lounge access?
- Yes. In India: 2 per quarter. Outside India: 2 complimentary visits via Priority Pass membership (issuer page; catalog period: per year). Conditions: Domestic: needs Rs 50,000 spend in the preceding 3 months (issuer page); waived in issuance month + next 3 months; guests paid
- What is the forex markup on the IndiGo Axis Bank Premium Credit Card?
- 2.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the IndiGo Axis Bank Premium Credit Card?
- Government, insurance, utilities incl. telecom, rent, wallet, fuel, jewellery