SpiceJet Axis Bank Voyage Black
Downgrade₹2,000 for 7% in the air and 1.5% on the ground — in a currency that only ever buys SpiceJet.
What it's worth to you — net annual value
Welcome: ₹4,000 SpiceJet flight voucher for 2 transactions within 30 days of issue (1-year validity), plus SpiceClub Gold membership and SpiceJet add-on vouchers worth ₹7,500
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
This is the top of the only SpiceJet co-brand family in India, and it is the rare card where the issuer's own value chart agrees with our desk: Axis prices a SpiceClub Point at exactly ₹0.50, same as we do. On SpiceJet's app and site you earn 28 points per ₹200 — 7% — which is a genuinely big number, except only 12 of those 28 come from the card. The other 16 are the SpiceClub Gold tier, handed to you free for one year and then re-tested against SpiceJet's own criteria, and the card-side half stops entirely above ₹1 lakh of SpiceJet spend a month. Everywhere else it is 6 points per ₹200 — 1.5% — for a ₹2,000 fee with no spend waiver, ever. The welcome is real (₹4,000 flight voucher plus ₹7,500 of add-on vouchers), the milestones drip 10,000 points at ₹2L and ₹4L, renewal pays another 2,000, and eight domestic lounge visits a year clear the fee on their own if you keep ₹50,000 a quarter running through it. The problem is the currency: SpiceClub points redeem against SpiceJet fares and meal vouchers and nothing else — no transfer partners, no hotel exit, no alliance. Fly SpiceJet often and this is a perfectly rational punch-card. Do anything else with your points and it is a 1.5% card with a ₹2,000 fee.
What's good
- 7% on SpiceJet fares (28 SpiceClub Points per ₹200) at the ₹0.50 the issuer itself publishes
- ₹4,000 welcome flight voucher + SpiceClub Gold with ₹7,500 of add-on vouchers
- 8 domestic lounge visits a year — 2 a quarter on ₹50,000 of previous-quarter spend
- 10,000 milestone points at ₹2L/₹4L annual spend, plus 2,000 more on every renewal
Watch out
- SpiceClub points buy SpiceJet seats, meals and add-ons — zero transfer partners, zero alternatives
- Only 12 of the headline 28 points per ₹200 are the card's; 16 need an active Gold tier, free for year 1 only
- Card-side SpiceJet earn is capped at ₹1 lakh of SpiceJet spend per month
- ₹2,000 every year with NO spend-based waiver, and 3.5% forex on a card sold as travel
- Wallet, fuel, EMI, insurance, education, government and rent earn nothing at all
What earns, what doesn't
- Fuel · excluded Zero SC Points; 1% fuel surcharge waiver instead (₹400–₹4,000 txns, max ₹400/month). Axis-wide 1% fuel fee above ₹50k/cycle
- 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 ₹2,000, annual ₹2,000 from year 2 — NO spend-based waiver at any level (Axis Key Fact Sheet, 08-Jul-2026). Card-replacement and hotlisting fees Nil; cash payment at branch ₹175. Transaction fees on top: 1% rent (MCC 6513, since 5-Mar-2023), 1% education via third-party apps, 1% on wallet loads ≥₹10k/cycle, 1% on fuel ≥₹50k/cycle, 1% on utilities ≥₹25k/cycle. Fuel surcharge waiver 1% on ₹400–₹4,000 transactions, max ₹400/month. SpiceClub earn exclusions and the ₹1L/month SpiceJet-channel cap live in the separate SpiceClub Points Earn T&C.
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, ₹4,000 welcome voucher, SpiceClub Gold + ₹7,500 add-on vouchers, ₹2L/₹4L milestones, 2,000 renewal points, 8 lounge visits on ₹50k prior-quarter spend, 3.5% forex checked 25 Jul 2026
- official SpiceClub Points Earn T&C — 12 SC/₹200 card + 16 SC/₹200 Gold tier on SpiceJet, 12 SC/₹200 online MCCs, 6 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 ₹2,000 / annual ₹2,000, 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 7% customer benefit" checked 25 Jul 2026
- community CardInsider — restates 14/6/3 SC per ₹100, 8 domestic lounge visits (max 2 per quarter), ₹0.50 per point on flights and meal vouchers checked 25 Jul 2026
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