Axis SpiceJet Bank Voyage Credit Card

About Axis SpiceJet Bank Voyage Credit Card

Are you tired of paying full price for your domestic flights? The Axis SpiceJet Bank Voyage Credit Card is designed to turn your everyday expenses like food orders and utility bills into discounted air travel.

This card offers a straightforward way to save around ₹6,325 annually for those who prefer flying with SpiceJet. With a low entry barrier of just ₹2.5 Lakh annual income, it is one of the most accessible travel cards in the Indian market today. Instead of complicated miles, you earn SpiceClub (SC) Points that go directly toward your next trip.

Built for frequent flyers and young professionals earning ₹21,000+ monthly, this card bridges the gap between a basic lifestyle card and a dedicated travel tool. It works best if you find yourself booking SpiceJet flights 3-4 times a year and ordering food online regularly.

What sets it apart:

• Instant Value: The ₹750 joining fee is effectively doubled back to you with a ₹1,500 flight voucher.
• Triple Rewards: Earn 3% value back (6 points per ₹200) on SpiceJet, food delivery, and utility bills.
• Exclusive Access: Get SpiceClub Silver Tier membership just for getting the card.

Quick check: To qualify, you will need a minimum income of ₹2.5 LPA and a credit score (CRIF) preferably above 750.

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

Key Benefits & Features of Axis SpiceJet Bank Voyage Credit Card

The Axis SpiceJet Voyage card is packed with perks that target specific spending categories. Unlike general cards, this one rewards you heavily for the "unavoidable" bills like electricity and dinner orders.

Welcome Rewards that Pay You Back

When you join, the card practically pays for itself. If you complete just two transactions within the first 30 days of getting the card, you receive a SpiceJet flight voucher worth ₹1,500. Since the joining fee is only ₹750, you are starting your journey with a net gain of ₹750. Additionally, you get a complimentary SpiceClub Silver Tier membership, which usually requires frequent flying to achieve.

Accelerated Reward Points (SC Points)

The reward system is built around SpiceClub (SC) Points, where 1 SC Point equals ₹0.50. You earn at the following rates:

• 6 SC Points per ₹200 spent: This applies to all bookings made via the SpiceJet website or app, online food ordering, and online utility bill payments. This translates to a 1.5% reward rate on these categories.
• Renewal Bonus: Every year, when you pay your annual fee of ₹750, the bank credits 1,000 SC Points to your account. This is worth ₹500, significantly reducing the effective cost of the card to just ₹250.

Strategic Travel and Lifestyle Offers

Axis Bank has integrated this card into its broader offer ecosystem, providing weekly savings that can add up quickly:

• Wednesday Flight Discounts: Use your card on MakeMyTrip every Wednesday to get up to 15% off on flight bookings.
• Mid-week Dining & Shopping: Enjoy 10% off on Swiggy orders and Tira beauty purchases every Wednesday.
• Dining Delights: Access discounts at a wide range of partner restaurants across India through the Axis Bank Dining Delights program.

Airport Lounge Access

You get one complimentary domestic airport lounge access every calendar quarter. However, there is a spending requirement to keep in mind. You must have spent at least ₹50,000 in the previous three months to use this benefit. For new cardholders, this requirement is waived for the first four months, giving you immediate access to Set A lounges.

Fuel Surcharge Waiver

While this is a travel card, it covers your road trips too. You get a 1% fuel surcharge waiver at all stations across India. This applies to transactions between ₹400 and ₹4,000, with a maximum benefit of ₹400 every month.

Fees, Eligibility, and Enrollment

To keep this card in your wallet, you will pay an annual fee of ₹750. The annual fee is mandatory as there is no spend-based waiver available for this specific card variant, but the 1,000 renewal points act as a partial offset. To apply, you must be between 18 and 70 years old. Salaried individuals need a minimum income of ₹2.5 LPA, while self-employed individuals need ₹3 LPA. A credit score (CRIF) of 750 or higher is recommended for a smooth approval process.

How to Apply?

The application process for the Axis SpiceJet Bank Voyage Credit Card is simple and can be completed online. Follow these steps to get started:

1. Visit the Axis Bank official website or a trusted partner platform.
2. Navigate to the "Credit Cards" section and locate the SpiceJet Voyage card.
3. Click on "Apply Now" and enter your mobile number and PAN details.
4. Step 2: Ensure you meet the minimum income of ₹2.5 Lakh annually before proceeding with the professional details.
5. Fill in your personal information, including your age (must be between 18-70) and employment type.
6. Complete the digital KYC process, which may involve a video call or a visit from a bank representative.
7. Once your documents and credit score (CRIF 750+) are verified, the bank will process your application.

Processing typically takes 10 to 15 working days from the date of document submission, subject to successful verification of your address and income details.

Credit Limit: What to Expect

Credit limits are assigned based on your income, credit score, and banking relationship. Credit limits for this entry-level card usually range from ₹25,000 to ₹3,00,000 depending on your income proof and credit history. Axis Bank evaluates your debt-to-income ratio and existing credit exposure to determine the final limit. If you maintain a high CRIF score and use the card responsibly, you can request a limit increase after 6-12 months of usage.

Comparison Table: Axis SpiceJet Voyage vs. Competitors

Choosing the right travel card depends on your preferred airline and spending habits. Here is how the Axis SpiceJet Voyage compares to other entry-level travel and rewards cards:

If you primarily fly with SpiceJet, the Axis Voyage card is the clear winner because the welcome voucher alone covers two years of joining fees. However, if you are looking for pure cashback on all transactions without being tied to an airline, the Axis Ace might be a more versatile choice. For those who travel by train more than air, the SBI IRCTC card offers better value back on IRCTC bookings.

Documents Required for Axis SpiceJet Bank Voyage Application

You will need to submit the following documents when applying:

For Salaried Applicants

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

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), or Property Documents
• Income Proof: Latest 2 years' ITR with computation of income, 6 months' bank statements, and CA-certified financials
• Business Proof: Business registration certificate, GST registration (if applicable), or Shop Act License

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

Who Should Get This Card?

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

The Budget Traveler: If you are a young professional earning ₹30,000 monthly and you travel home or for vacations using SpiceJet at least twice a year, this card is a great fit. By spending ₹5,000 on utilities and ₹3,000 on Swiggy every month, you could easily earn enough points for a significant discount on your year-end flight.

The Utility Optimizer: You should get this card if you want to be rewarded for boring expenses. Most travel cards exclude utility bills from rewards, but this card offers 6 SC points per ₹200. If your monthly electricity and water bills are high, those points can quickly turn into a free flight ticket.

The Wednesday Shopper: If you find yourself ordering from Swiggy or shopping for skincare on Tira, the 10% Wednesday discounts make this card a valuable lifestyle companion beyond just travel.

You might want to skip this card if:

• You rarely fly with SpiceJet and prefer IndiGo or Air India.
• You cannot meet the ₹50,000 quarterly spend requirement for lounge access.
• You want a card that offers high rewards on offline shopping or international spends, as these are not the focus here.

BankKaro Expert Review

Based on the card's features, the Axis SpiceJet Bank Voyage Credit Card excels at providing high value for a very low entry price. The most impressive part of this card is the welcome benefit. Getting a ₹1,500 voucher for a ₹750 fee is a rare 200% return on investment right at the start.

The biggest limitation is the lounge access criteria. Requiring a ₹50,000 spend in the previous quarter is quite high for a card targeted at people with a ₹2.5 LPA income. It means you would need to spend nearly 25% of your annual income just to sit in a lounge. Additionally, the list of excluded spends is quite long, covering fuel, wallet loads, and insurance, which are common high-value categories for many users.

Our verdict: Choose this card if you are looking for your first travel credit card and you are a loyal SpiceJet customer. It is a low-risk, high-reward starter card that turns your essential utility and food spends into travel savings. However, do not get it solely for the lounge access unless you plan on making it your primary spending card.

Terms and Conditions

• The bank may issue a different card variant based on your eligibility; your application is subject to KYC, credit checks, and final approval.
• Fees, Charges, Interest Rates, Limits, and program terms may change; please review the Most Important Terms and Conditions (MITC) before applying.
• By using the card, you agree to the bank’s terms and applicable RBI guidelines.
• Missed payments may incur fees and be reported to credit bureaus, which can negatively affect your credit score.
• Reward points are not earned on fuel transactions, wallet loads, EMI transactions, insurance premiums, government payments, educational fees, gift cards, or vouchers.