3.5 from 1000 Users
Enjoy Complimentary SpiceClub Gold Membership
with SpiceJet add-on vouchers worth ₹7,500 on card issuance
Enjoy 8 Domestic Lounge
Visits every year, subject to minimum spends of ₹50,000 in the previous quarter
Shopping
Online Food Ordering
Travel
Utility Bills
Joining Fees
₹2,360 ( ₹2000 + GST )
₹4,000 SpiceJet flight voucher on completing 2 transactions within 30 days of issuance.
Annual Fees
₹2,360 ( ₹2000 + GST )
Renewal fee ₹2,000 + GST applies each year; you get 2,000 SC Points on renewal.
Age Criteria
18-70 years
Salary Criteria
3 LPA
Credit Rating*
750+
See if you are eligible for this card
Rewards Conversion Rate
1 SC Point = ₹0.50
Redemption Options
To check redemption catalogue
All Benefits
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Transactions
Wallet loads
EMI Transactions
Insurance Payments
Government Payments
Educational Services
For Spends Waiver
Fuel Transactions
Wallet loads
EMI Transactions
Insurance Payments
Government Payments
Educational Services
| Structure | Details |
|---|---|
Forex Markups   3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.50%): | 3.50% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM Withdrawl 2.50% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500 | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST | 1% |
Cheque Payment Fees 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal, subject to a minimum of ₹500 | ₹500 |
Cash Payment Fees A fee of ₹175 is charged for payments made by depositing cash at a bank branch. Daily limit for cash payment is ₹50,000 | ₹175 |
| Late Payment Fees Late payment charges apply if the Minimum Amount Due (MAD) is not paid by the due date. Charges are based on the total outstanding amount as per the slab structure. Additional ₹100 on missing payment of MAD for two consecutive cycles | Amount Due |
|---|---|
| ₹0–₹500 | ₹0 |
| ₹501–₹5,000 | ₹500 |
| ₹5,001–₹10,000 | ₹750 |
| Above ₹10,000 | ₹1,200 |
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:
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:
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:
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.
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.
The card rewards you for being a consistent spender. If you hit specific spending targets in a year, you get bonus SC points:
In total, spending ₹4 lakh gets you 10,000 bonus points, which equals ₹5,000 in flight value.
Beyond the runway, the card offers solid lifestyle savings:
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.
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.
The application process is straightforward and can be completed online or offline:
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.
| 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.
You will need to submit the following documents when applying:
Note: All documents must be self-attested. The bank will request additional documents during verification as needed.
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.
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.
TOP USPs
Enjoy Complimentary SpiceClub Gold Membership
with SpiceJet add-on vouchers worth ₹7,500 on card issuance
Enjoy 8 Domestic Lounge
Visits every year, subject to minimum spends of ₹50,000 in the previous quarter
Apply Now