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IndiGo Axis Bank Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Axis Bank Visa Mid

Join / Annual

₹0/₹799

Base Rate

1.0%

Reward Type

Points

Overview

The IndiGo Axis Bank Credit Card is a Mid credit card issued by Axis Bank on the Visa network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Points(1 pt = ₹1.0).

Annual Fee: ₹799
Eligibility: Applicant must be an Indian resident aged between 18 and 70 years.

Reward Rates & Cashback Rules

  • MERCHANT – IndiGo: 3.0% cashback | via IndiGo Website/App
  • CATEGORY – Grocery: 2.0% cashback
  • CATEGORY – Dining: 2.0% cashback
  • CATEGORY – UPI: 1.0% cashback | monthly cap ₹750.0 ⚠️ Rewards on UPI are capped at 750 BluChips per month.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Government Services: 0.0% cashback

Key Features & Benefits

  • Welcome & Renewal Benefit 🎁: Receive a voucher for 1,200 IndiGo BluChips on successful payment of joining and annual fees.
  • Milestone Benefits 🏆: Get a voucher for 1,200 BluChips on spending ₹1.5 Lakhs and an additional 1,200 BluChips on reaching ₹3 Lakhs in a card anniversary year.
  • Domestic Lounge Access ✈️: 1 complimentary domestic airport lounge visit per quarter, subject to spending a minimum of ₹50,000 in the preceding three months.

Eligibility Criteria

Applicant must be an Indian resident aged between 18 and 70 years.

Features & Benefits

🎁

Welcome & Renewal Benefit

Receive a voucher for 1,200 IndiGo BluChips on successful payment of joining and annual fees.

🏆

Milestone Benefits

Get a voucher for 1,200 BluChips on spending ₹1.5 Lakhs and an additional 1,200 BluChips on reaching ₹3 Lakhs in a card anniversary year.

✈️

Domestic Lounge Access

1 complimentary domestic airport lounge visit per quarter, subject to spending a minimum of ₹50,000 in the preceding three months.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

IndiGo Via IndiGo Website/App
Reward: 3.0%
3%
Grocery
Reward: 2.0%
2%
Dining
Reward: 2.0%
2%
UPI
Reward: 1.0% Monthly Cap: ₹750.0
⚠️ Exceptions: Rewards on UPI are capped at 750 BluChips per month.
1%
Fuel Exclusion
EMI Exclusion
Wallet Load Exclusion
Rent Exclusion
Government Services Exclusion

Value Chart

Assuming basic spends for IndiGo Axis Bank Credit Card

Category IndiGo Axis Bank Credit Card Axis Bank Privilege Credit Card Samsung Axis Bank Signature Credit Card Vistara Axis Bank Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹799 ₹1500 ₹500 ₹0
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		1.0% 5.0% 5.0% 1.0%
★
Known Rules 		9 rules 7 rules 10 rules 9 rules

Pros & Cons

✓

Pros

  • + IndiGo — 3.0% Points
  • + Grocery — 2.0% Points
  • + Dining — 2.0% Points
  • + UPI — 1.0% Points (cap ₹750.0)
  • + Welcome & Renewal Benefit
  • + Milestone Benefits
  • + Domestic Lounge Access
✗

Cons

  • − No reward on Fuel
  • − No reward on EMI
  • − No reward on Wallet Load
  • − No reward on Rent
  • −Forex markup of 3.5% on international spends
  • −Relatively low base reward rate of 1.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹3000

Annual Fee

₹799

Net Value

+₹2201

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › Regular earners with ₹50k–₹1.5L monthly spends
  • › Those seeking a balance of rewards and moderate fees

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

One IndiGo BluChip is equivalent to ₹1 when redeeming for IndiGo flights and associated services.

Yes, UPI payments earn 1 BluChip per ₹100 spent. However, the rewards earned via UPI are capped at 750 BluChips per statement month.

No, this card does not have an annual fee waiver based on spending criteria.

You will not earn IndiGo BluChips on fuel, EMI transactions, wallet loading, rent payments, cash withdrawals, or payments to government institutions.

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