SpiceJet Axis Bank Voyage
Downgrade₹750 to bank SpiceJet fares — 4.5% in the air, three-quarters of one percent everywhere else.
What it's worth to you — net annual value
Welcome: ₹1,500 SpiceJet flight voucher for 2 transactions within 30 days of issue, plus complimentary SpiceClub Silver membership
How these numbers are computed →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
The take
The cheap rung of India's only SpiceJet co-brand, and it behaves exactly like an airline punch-card should: 18 SpiceClub Points per ₹200 on spicejet.com — 4.5% at the ₹0.50 Axis itself publishes — and a threadbare 3 points per ₹200 on everything else, which is 0.75%. Two-thirds of that headline 4.5% is the SpiceClub Silver tier the card hands you free for a year, not the card; the card's own half also stops above ₹1 lakh of SpiceJet spend a month. What actually pays the ₹750 is the front-loaded stuff: a ₹1,500 welcome flight voucher for two swipes in 30 days, 5,000 milestone points across ₹1L and ₹2L of annual spend, 1,000 more on every renewal, and four domestic lounge visits gated on ₹50,000 of previous-quarter spend. Axis's own value chart totals ₹13,050 of year-one benefit on ₹2.5 lakh of spend — believable, but almost none of it is the earn rate. Hold it if SpiceJet is genuinely your airline and you will burn the points on fares. Otherwise you are paying ₹750 a year, unwaivable, to earn 0.75% in a currency with one door out.
What's good
- ₹1,500 welcome flight voucher for 2 transactions in 30 days — twice the ₹750 fee
- 4.5% on SpiceJet fares (18 SpiceClub Points per ₹200) at the issuer's own ₹0.50 valuation
- 4 domestic lounge visits a year on ₹50,000 of previous-quarter spend
- 5,000 milestone points at ₹1L/₹2L annual spend, plus 1,000 on every renewal
Watch out
- 0.75% on general spend — a loyalty punch-card, not a rewards engine
- SpiceClub points redeem only against SpiceJet fares, meals and add-ons; no transfer partners
- 12 of the headline 18 points per ₹200 come from the Silver tier, free for year 1 only
- ₹750 every year with no spend-based waiver, and 3.5% forex
- Wallet, fuel, EMI, insurance, education, government and rent earn nothing
What earns, what doesn't
- Fuel · excluded Zero SC Points; 1% fuel surcharge waiver instead (₹400–₹4,000 txns, max ₹400/month)
- Rent & property management · excluded Zero SC Points; 1% rent transaction fee (MCC 6513) since 5-Mar-2023
- Wallet loads · excluded Zero SC Points; 1% Axis fee on wallet loads ≥₹10k/cycle
- Insurance · excluded Zero SC Points — insurance named in the earn exclusion list
Lounge access
Gate: ₹50k spend in the previous 3 calendar months
Opens 72 of 746 tracked lounge doors across 40 airports — see the full map →
Can you get it?
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
Axis Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official Axis Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the ranking by what you can get →
The fine print
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Joining ₹750, annual ₹750 — NO spend-based waiver (Axis Key Fact Sheet, 08-Jul-2026). Same Axis-wide transaction fees as the Black variant: 1% rent (MCC 6513), 1% education via third-party apps, 1% wallet loads ≥₹10k/cycle, 1% fuel ≥₹50k/cycle, 1% utilities ≥₹25k/cycle. Fuel surcharge waiver 1% on ₹400–₹4,000, max ₹400/month. The card's own T&C were revised w.e.f. 20-Jun-2025 (linked from the product page).
per the official Axis Bank MITC · reviewed 10 Jul 2026
What's changed for this card
Full tracker →Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to.
- 1 Jul 2026Axis waives Magnus and Horizon fees for new Burgundy customersMagnus ₹12,500 + GST and Horizon ₹3,000 + GST joining/annual fees, waived only on spend milestones → From 1 Jul 2026: joining + annual fee waived outright for Burgundy account holders opening on/after that date
A rare buff in a year of clawbacks. From 1 July 2026 Axis waives both the joining and annual fee on the Magnus (₹12,500 + GST) and Horizon (₹3,000 + GST) for customers who open a Burgundy account on or after that date — no ₹25 lakh spend milestone to chase. The catch is the fence: it's for new Burgundy relationships, not existing Magnus/Horizon holders, whose usual spend-based waiver conditions are unchanged. Still, for an Axis private-banking client it turns a post-devaluation Magnus into a genuinely free card to hold — the transfer firepower is diminished, but at ₹0 carrying cost the maths reads very differently.
- 18 Jun 2026Axis adds IndiGo BluChip to the EDGE transfer rosterNo IndiGo route from EDGE Miles or Reward Points → Group B: Miles 2:1, points 5:1 (intro 2x better till 17 Aug)
Two months after gutting the partner list, Axis adds one back: IndiGo BluChip, at the new-partner ratios (1:2 intro on Miles until 17 August 2026, then 2:1; points 5:2 intro, then 5:1). Lifetime-valid BluChips on India's biggest airline is genuinely useful — at the intro ratio. After that, do the maths before you move anything.
- 12 Apr 2026Airtel Axis card loses its 4 lounge visits in a brutal reset4 complimentary domestic lounge visits + flat monthly cashback caps → From 12 Apr 2026: domestic lounge access removed; cashback caps tied to prior spend, Swiggy/Zomato/BigBasket earn dropped
Axis took a scalpel to the Airtel co-brand on 12 April 2026, and lounge access was first to go — all four complimentary domestic visits gone. The cashback engine got worse too: category caps now scale with base spend (you'd have to spend ₹12,500 just to unlock the full ₹250 Airtel cashback), and the 10% on Swiggy, Zomato and BigBasket was cut to a ₹200/month 'value back' into partner wallets on Zomato, Blinkit and District. A utility card, sure — but it was also a cheap lounge key for a lot of wallets, and that key just stopped turning.
- 2 Apr 2026Axis purges Marriott, Accor and Qatar from its transfer list overnightMarriott, Accor, Qatar Airways at Group A ratios → All three gone; BA, Finnair, Vietnam Airlines added at 2:1
With zero advance notice — despite Axis's own MITC requiring 30 days — EDGE Miles/Rewards cardholders woke up on 2 April 2026 to find Marriott Bonvoy, Accor Live Limitless and Qatar Airways Privilege Club stripped from the transfer partner list. The three replacements (British Airways Executive Club, Finnair Plus, Vietnam Airlines LotusSmiles) land in the worst tier: 2:1 on Atlas instead of the usual 1:2, and 5:1 on Magnus/Reserve instead of 5:2 — so you need up to 4x the points for the same miles. This guts Atlas and Magnus's best hotel-transfer sweet spots in one stroke and pushes the whole EDGE ecosystem toward airline-only redemptions.
- 1 Apr 2026Axis closes the Atlas to new applicantsOpen to new applications → Closed to new applicants — existing cardholders unaffected
Confirmed in early 2026: Axis has stopped issuing its flagship mid-tier travel card to new applicants. First flagged by a September-2025 rumour of internal distributor communication (a '1 September' cutoff), it became real with no press release — the Atlas simply left the application pipeline, and Axis customer care later confirmed the closure. Existing holders keep the card, their EDGE Miles balance, and lounge access; nothing changes for them. But a bank that stops issuing a card rarely invests in it afterwards. There is no confirmed replacement at the Atlas price point.
- 20 Jun 2025Axis caps the Magnus 35-per-₹200 tier at your credit limit35 EDGE RP/₹200 uncapped above ₹1.5L/month → Accelerated earn capped at (credit limit + ₹1.5L)/month
The loophole that let heavy spenders recycle payments through Magnus and Burgundy for uncapped 35-points-per-₹200 earn is closed: accelerated earn now stops at your credit limit plus ₹1.5 lakh in a statement month, then drops back to 12/₹200. Reserve's international 2X got the same credit-limit ceiling. Organic heavy spenders barely notice; the manufactured-spend crowd noticed immediately.
- 20 Dec 2024Axis slaps redemption fees on EDGE points and milesFree EDGE portal redemptions and transfers → ₹99 portal redemption / ₹199 partner transfer
Axis's second cut of 2024. Redeeming EDGE points now costs ₹99, and converting to airline miles costs ₹199 a pop — a tax on the exact behaviour that made Atlas and Magnus worth holding. Finance charges also crept to 3.75%/month.
- 15 Jul 2024Citibank India credit cards fully migrate to AxisCiti-branded cards and systems → Axis Bank platform
The Citi era in India formally ends: card numbers and limits stayed put, but statements, apps and rewards now run on Axis. The prized Citi rewards ecosystem effectively closed, pushing its loyalists into the Axis stack.
Go deeper
Sources
Every fact on this page is checked against these documents — the issuer's own paperwork first. Spot something stale? The PDF wins, and we re-verify.
- official Product page — earn table, ₹1,500 welcome voucher, SpiceClub Silver, ₹1L/₹2L milestones, 1,000 renewal points, 4 lounge visits on ₹50k prior-quarter spend, and the ₹13,050 year-1 value chart pricing an SC point at ₹0.50 checked 25 Jul 2026
- official SpiceClub Points Earn T&C — 6 SC/₹200 card + 12 SC/₹200 Silver tier on SpiceJet, 6 SC/₹200 online MCCs, 3 SC/₹200 other retail; ₹1L/month SpiceJet earn cap; full exclusion list; 1-year complimentary tier checked 25 Jul 2026
- official Axis Key Fact Sheet (08-Jul-2026) — joining ₹750 / annual ₹750, no fee waiver, 55.55% APR, 3.5% foreign transaction fee, 1.5% DCC markup checked 25 Jul 2026
- official Launch press release (12-May-2022) — Visa network, both variants' full benefit table, "up to 4.5% customer benefit" on Voyage checked 25 Jul 2026
- community CardInsider — restates 18/6/3 SC per ₹200, ₹1,500 welcome voucher, 4 domestic lounge visits on ₹50k prior-quarter spend, ₹0.50 per point checked 25 Jul 2026
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