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.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
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
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹6,000 a month
At ₹6,000 a month — ₹72,000 a year — on the everyday mix this card returns ₹2,000 gross (earn ₹1,000 + milestones ₹1,000) against its ₹2,000 fee = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #93
Why #93 Deliberately ranked below every transferable-currency card: SpiceClub points leave the program in exactly one direction — SpiceJet's own inventory — so the earn number overstates the optionality.
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.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹2,000/yr at stake · 5 spend bands
The charge ₹2,000/yr
Break-even ₹6,000 a month — ₹72,000 a year — is where this card's value crosses its fee.
At your spend
₹5,200 a year, net of the fee, at ₹3,00,000 of annual spend
₹12,500 a year, net of the fee, at ₹6,00,000 of annual spend
₹20,900 a year, net of the fee, at ₹12,00,000 of annual spend
₹54,800 a year, net of the fee, at ₹36,00,000 of annual spend
₹88,600 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Axis Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton issuer-wide
- 28 Aug 2026 Axis more than doubles its DCC markup — 3.5% generic, but Olympus and Magnus get their own rates issuer-wide
- 28 Aug 2026 Priority Pass stops opening Indian domestic lounges on every Axis card issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
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
- Since 28 Aug 2026: the dynamic-currency markup more than doubled to 3.5% (from 1.5%), a ₹1,300 late fee applies above ₹50,000 outstanding, and Bridge/Road/Toll spends earn no SpiceClub points
What these points actually fly
No live transfer route takes SpiceJet SpiceClub into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
14 sourced rules · 8 pay zero
- 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
Does your spend count toward the milestones?
not published — and we say which
A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. Axis Bank states what the SpiceJet Axis Bank Voyage Black earns and does not earn, but has not published which spend categories count toward the milestones . We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
21 of 793 tracked doors
Gate: ₹50,000 of eligible spend in the previous 3 calendar months, w.e.f. 1 May 2024 — waived for the month of issuance and the 3 calendar months after it on a newly issued card, but an UPGRADE does not count as a new issuance
Opens 21 of 793 tracked lounge doors across 14 airports — see the full map →
Can you get it?
the route in — no cutoffs published
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 board by what you can get →
The fine print
7 of 7 MITC rows published
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
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Nov 2026The Reserve's memberships stop renewing unless you say yesClub ITC Culinaire, Accorplus, handcrafted Club Marriott Asia Pacific, EazyDiner Prime and Priority Pass renewed automatically each year for as long as the card was open → From 15 Nov 2026 complimentary memberships linked to the card renew only with the cardholder's explicit consent — Axis says renewal and consent details will be shared closer to each renewal date. The same notice flips Priority Pass off at Indian domestic lounges from 28 Aug 2026 (present the Reserve card itself) and adds a ₹1,300 late-payment slab above ₹50,000 outstanding
The Reserve's whole defence of a ₹50,000 fee is the membership stack — Club ITC Culinaire with its free third night, Accorplus, handcrafted Club Marriott Asia Pacific, EazyDiner Prime, and the unlimited Priority Pass. Axis's own Reserve revision notice says that from 15 November none of them renew unless you actively consent. Framed as a choice, it works as breakage: the failure mode of an opt-in is silence, and a cardholder who misses the renewal email keeps paying ₹50,000 for a card whose benefits have quietly lapsed. Reserve is on the same list as Select, Magnus, Magnus for Burgundy, Burgundy Private, Olympus and both Miles & More cards, so this is the whole Axis premium book learning the same trick. Two other things ride the notice: from 28 August the Priority Pass card stops opening Indian domestic lounges — you present the Reserve itself against Axis's own eligible-lounge list, and post-immigration lounges at Indian international terminals still count as international — and a fifth late-payment slab of ₹1,300 appears above ₹50,000 outstanding. Notably, the Reserve notice carries no dynamic-currency-conversion line at all while the bank-wide grid goes 1.5% → 3.5%, and the card's 1.5% foreign transaction fee is untouched.
- 1 Nov 2026Privilege's movie buy-one-get-one becomes a spend gate
- 1 Nov 2026IndiGo Axis Premium's movie BOGO grows a ₹25,000 spend gate
- 1 Nov 2026The movie-BOGO spend gate reaches My Zone too — ₹25,000 in the previous 3 months
- 1 Nov 2026NEO's BookMyShow discount grows a ₹25,000 spend gate
- 1 Oct 2026SELECT's ₹3L milestone stops counting the spends it never rewarded
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 1 Sept 2026Burgundy Private's lapse fee doubles to ₹1 lakh
Every Axis Bank change we've dated → 38 events since 2019, 25 of them nerfs — worst year 2026.
Verified against Axis Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 7 of them, each with the day we read it
- official Product page — earn table, ₹4,000 welcome voucher, SpiceClub Gold + ₹7,500 add-on vouchers, ₹2L/₹4L milestones, 2,000 renewal points
- official SpiceClub Points Earn T&C — verbatim "12 SC Points per Rs. 200 spend as card benefit" + "16 SC Points per Rs. 200 as SpiceClub Gold Membership benefit" on SpiceJet
- official Axis Key Fact Sheet, updated 12-Aug-2026 — joining ₹2,000 / annual ₹2,000, no fee waiver, 55.55% APR, 3.5% foreign transaction fee, 1.5% DCC markup
- official Axis bank-wide revision notice — effective 28-08-2026 the DCC markup goes 1.5% to 3.5%, a ₹1,300 late-payment slab appears above ₹50,000 outstanding, and Bridge/Road/Toll spends stop earning rewards
- official Axis Bank Domestic Airport Lounge Access Program — "SpiceJet Axis Bank Voyage Black Credit Cards (2 complimentary lounge access per quarter)" under Set B, i.e; 8 a year
- official Launch press release (12-May-2022) — Visa network, both variants' full benefit table, "up to 7% customer benefit"
- 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