M16S / Axis Bank / IndiGo Axis Bank Credit Card
entry · travel, cobrand, upi
IndiGo Axis Bank Credit Card
The IndiGo Axis Bank Credit Card costs Rs 799 a year. It earns 1 BluChip per Rs 100. The forex markup is 3.5%. Lounge visits in India: 1 per quarter. Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Rs 799+ GST
- Fee waived at
- —
- Base return
- —
- Forex markup
- 3.5%
- Interest
- 3.75%a month
Apply on axis.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 799 |
|---|---|
| Annual fee | Rs 799 |
| Fee notes | Issuer page fee table shows Joining/Annual Fee 'Nil (limited period offer)' on 2026-10-12; standard fee Rs 799 per MITC and IndiGo. No spend waiver. |
Rewards
| Welcome benefit | Voucher worth 1,200 IndiGo BluChips on payment of the joining fee; same voucher every year on payment of the annual fee |
|---|---|
| Reward currency | IndiGo BluChips |
| Base earn | 1 BluChip per Rs 100 |
| Point value | No fixed value; BluChips redeem on IndiGo flights and vary by route and fare |
| Accelerated earn | 3 BluChips per Rs 100 on all IndiGo channels (up to 19 with IndiGo's own booking and tier bonuses); 2 per Rs 100 on groceries and dining |
| Capsunverified | Aggregator: up to 750 BluChips on eligible UPI transactions |
| 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 1,200 BluChips at Rs 1.5 lakh and again at Rs 3 lakh cumulative annual spend |
| Reward notes | base_return_pct left null because BluChips have no fixed rupee value. |
Travel and perks
| Domestic lounge | 1 per quarter |
|---|---|
| International lounge | None |
| Lounge conditions | Needs Rs 50,000 spend in the preceding 3 months (issuer page); waived in issuance month + next 3 months; guests paid |
| Forex markup | 3.5% |
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; resident of India. No income figure published. |
| Fine-print notes | Launched 18 Feb 2026. A cancelled voucher-funded booking forfeits the whole voucher. Product page read 2026-10-12 confirms earn rates, welcome, renewal and milestone vouchers, lounge, 3.5% forex and DCC, 3.75% interest. The page does not list reward exclusions, a UPI earn cap or a fuel surcharge waiver. Network: Axis's own RuPay category page (https://www.axis.bank.in/cards/credit-card/rupay-credit-card, read 2026-10-12) lists this card among its RuPay credit cards. Conflicts resolved from issuer page read 2026-10-12: joining_fee/annual_fee: catalog keeps the Rs 799 standard fee (MITC, IndiGo) -> issuer page currently shows 'Nil (limited period offer)' |
Questions
- What is the annual fee of the IndiGo Axis Bank Credit Card?
- Rs 799 a year, before GST.
- Does the IndiGo Axis Bank Credit Card give airport lounge access?
- Yes. In India: 1 per quarter. Outside India: none listed. Conditions: 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 Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the IndiGo Axis Bank Credit Card?
- Government, insurance, utilities incl. telecom, rent, wallet, fuel, jewellery