Axis SpiceJet Bank Voyage Black Credit Card

About Axis SpiceJet Bank Voyage Black Credit Card

Are you tired of paying full price for your domestic flights every time you travel? The Axis SpiceJet Bank Voyage Black Credit Card is designed to turn your regular spending into free flights.

This card offers a massive head start with a flight voucher worth ₹4,000 when you make just two transactions within the first 30 days. For a card that costs ₹2,000 annually, getting double that value back in your first month is a rare win. If you fly SpiceJet at least three to four times a year, this card can easily save you over ₹18,000 annually through its reward structure and membership perks.

Built for frequent domestic travelers and professionals earning ₹3 lakh or more annually, this card simplifies travel by giving you elite status from day one. You do not just earn points; you get a faster track through the airport and better seats.

What sets it apart:

• ✓ Instant Profit: The ₹4,000 welcome voucher more than covers the ₹2,000 joining fee.
• ✓ Gold Status: You get a complimentary SpiceClub Gold membership immediately upon card issuance.
• ✓ High Reward Value: Every 1 SpiceClub (SC) point you earn is worth ₹0.50, which is higher than many entry-level travel cards.

Quick check: To qualify, you will need a minimum annual income of ₹3 lakh and a credit score (CRIF/CIBIL) of around 750.

Let's break down why this card stands out in the crowded travel segment:

Key Benefits and Features of the Axis SpiceJet Bank Voyage Black Credit Card

The Axis SpiceJet Bank Voyage Black Credit Card focuses on making the airport experience better while rewarding your loyalty to SpiceJet. Here is a detailed look at the perks:

Welcome and Membership Rewards

The card makes a strong first impression. As soon as you get the card and complete two transactions within 30 days, you receive a SpiceJet flight voucher worth ₹4,000. This effectively makes the card "free" for the first two years if you consider the value of the voucher.

Additionally, you get a SpiceClub Gold membership. This is not just a title; it gives you access to priority check-in, free standard seat selection, and higher reward earning rates when booking directly with the airline.

Airport Lounge Access

Travel does not have to be tiring. This card provides 8 complimentary domestic airport lounge visits per year. This is a significant benefit for a card at this price point, allowing you two lounge visits every quarter to relax, eat, and charge your devices before your flight.

Milestone Bonuses

The card rewards you for being a consistent spender. If you hit specific spending targets in a year, you get bonus SC points:

• Spend ₹2 lakh in a year and get 4,000 bonus SC points.
• Spend ₹4 lakh in a year and get an additional 6,000 bonus SC points.

In total, spending ₹4 lakh gets you 10,000 bonus points, which equals ₹5,000 in flight value.

Dining and Lifestyle Perks

Beyond the runway, the card offers solid lifestyle savings:

• Dining Program: Save up to 25% (maximum ₹800 per month) at partner restaurants. This is perfect for weekend dinners with family.
• Wednesday Specials: Take advantage of 10% off on food delivery apps and up to 15% off on flights and hotels via select partner portals every Wednesday.

Fuel Surcharge Waiver

Save on your commute with a 1% fuel surcharge waiver. This applies to transactions between ₹400 and ₹4,000, with a maximum monthly benefit of ₹400. Note that you do not earn reward points on fuel purchases.

Annual Fees and Eligibility

To keep the card active, there is an annual fee of ₹2,000 + GST. Although there is no direct spend-based fee waiver, the bank credits 2,000 SC points (worth ₹1,000) to your account every time you pay the renewal fee. To apply, you should be between 18 to 70 years old with a steady monthly income. While the minimum income is listed as 3 LPA, having a monthly income of ₹25,000 or more improves your chances of a higher credit limit.

How to Apply for the Axis SpiceJet Bank Voyage Black Credit Card

The application process is straightforward and can be completed online or offline:

1. Visit the official Axis Bank website or a partner portal.
2. Locate the "Credit Cards" section and find the SpiceJet Bank Voyage Black variant.
3. Ensure you meet the eligibility criteria, specifically the minimum income of ₹3 lakh per year and a credit score of 750+.
4. Fill in your personal details, including your PAN and mobile number.
5. Submit the required digital copies of your documents for KYC.
6. The bank will perform a credit check and may call you for verification.
7. Once approved, the card reaches your registered address within 7 to 10 working days.

Credit Limit: What to Expect

Credit limits are assigned based on your income, credit score, and existing banking relationship. For applicants meeting the 3 LPA income criteria, starting limits often range from ₹50,000 to ₹1,50,000. If you have a higher income or an existing Axis Bank credit card with a good track record, you may be offered a much higher limit. Your final assigned limit will be confirmed upon card approval based on your specific financial profile.

Comparison Table: Axis SpiceJet Voyage Black vs. Competitors

Feature	Axis SpiceJet Voyage Black	Kotak IndiGo 6E Rewards XL	HDFC 6E Rewards XL	Axis SpiceJet Voyage (Base)
Annual Fee	₹2,000	₹2,500	₹ = 2,500	₹750
Welcome Bonus	₹4,000 Flight Voucher	6E Rewards worth ₹2,500	6E Rewards worth ₹2,500	₹2,000 Flight Voucher
Lounge Access	8 Domestic / Year	1 / Quarter (4/Year)	1 / Quarter (4/Year)	Not Available
Reward Value	1 Point = ₹0.50	1 Point = ₹1.00	1 Point = ₹1.00	1 Point = ₹0.50
Winner For	Highest Welcome Value	IndiGo Loyalists	Frequent HDFC Users	Budget Travelers

If you fly with SpiceJet, the Axis Voyage Black is the clear winner because the welcome voucher value is double the joining fee. While IndiGo-branded cards offer higher reward rates per point, the sheer number of lounge visits (8 vs 4) on the Axis SpiceJet card makes it a better lifestyle choice for frequent domestic travelers.

Documents Required for Axis SpiceJet Bank Voyage Black Credit Card Application

You will need to submit the following documents when applying:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, or Voter ID
• Address Proof: Aadhaar Card, Utility Bills (not older than 2 months), or Rent Agreement
• Income Proof: Latest 3 months' salary slips and 6 months' bank statements
• Employment Proof: Office ID card

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, or Driving License
• Address Proof: Aadhaar Card or Property Documents
• Income Proof: Latest 2 years' ITR (Income Tax Returns) with computation of income and 6 months' bank statements
• Business Proof: GST registration or Shop Act License

Note: All documents must be self-attested. The bank will request additional documents during verification as needed.

Who Should Get This Card?

Should you get this card? Here is who benefits most from the Axis SpiceJet Voyage Black:

The Frequent Domestic Flyer: If you are a consultant or salesperson who flies between metros like Delhi, Mumbai, or Bengaluru twice a month, this card is a great fit. By spending ₹20,000 monthly on travel and general expenses, you will easily hit the ₹2 lakh milestone, earning 4,000 extra points plus your regular earnings. This can translate to at least one or two free one-way flights every year.

The "Value-First" Traveler: If you hate paying for "hidden" costs like seat selection and priority check-in, the SpiceClub Gold membership included with this card is perfect for you. It removes those extra fees, making your travel experience smooth and cheaper than a standard ticket holder.

The Weekend Foodie: If you spend around ₹10,000 a month dining out or ordering in, the 25% dining discount and Wednesday food delivery offers can save you nearly ₹8,000 annually. This benefit alone pays for the card's annual fee multiple times over.

You might want to skip this card if... you rarely fly SpiceJet or prefer international travel. Since the points can only be redeemed on the SpiceClub catalog and lounge access is restricted to domestic terminals, a generic travel card or a premium international card would serve you better.

BankKaro Expert Review

The Axis SpiceJet Bank Voyage Black Credit Card is a specialized tool that does exactly what it promises: it makes SpiceJet travel cheaper and more comfortable. Based on the card's features, this card excels at providing immediate value. Most cards take a year of spending to "break even," but this card gives you a profit the moment you use that ₹4,000 welcome voucher.

The biggest limitation is the redemption flexibility. You cannot use your points as a statement credit to pay off your bill, and you cannot encash them. You are locked into the SpiceJet ecosystem. If the airline does not fly your preferred route, the points lose their utility. Also, the exclusion of reward earnings on insurance and utility payments is a bit of a letdown for heavy spenders.

Our verdict: Choose this card if you are loyal to SpiceJet and want a card that pays for itself through welcome benefits and lounge access. It is one of the most accessible "Black" category cards in the market today with a very reasonable income requirement.

Terms and Conditions

• The bank may issue a different card variant based on your eligibility; your application is subject to KYC, credit checks, and approval.
• Fees, charges, interest rates, limits, and program rules may change: always review the provided Most Important Terms and Conditions (MITC) before applying.
• By using the card, you agree to the bank’s terms and RBI guidelines.
• Missed payments may incur fees and be reported to credit bureaus, which can impact your CIBIL score.
• Points cannot be encashed or used as statement credit; taxes and fees on flight bookings may still require payment via card or cash.