SpiceJet Axis Bank Voyage Black vs IndiGo Axis Bank Credit Card (2026)
Two domestic-airline punch-cards at ₹2,000 and ₹799 — 7% on SpiceJet fares against 1.5% on IndiGo, and both currencies die the moment you want to fly anyone else.
Head to head
| SpiceJet Axis Bank Voyage Black | Metric | IndiGo Axis Bank Credit Card |
|---|---|---|
| #54 — wins this row | Our rank | #76 |
| ₹2,000 + GST | Annual fee | ₹799 + GST — wins this row |
| None | Fee waiver | None |
| 3.5% of the transaction value (+ 1.5% dynamic-currency-conversion markup) | Forex markup | 3.5% + GST |
| 3.75%/mo (55.55%/yr) | APR | not published |
| 1.5% — wins this row | Effective reward rate | 0.5% |
| SpiceJet SpiceClub | Currency | IndiGo BluChip |
| ₹0.50/pt | House value | ₹0.50/pt |
| ₹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 | Welcome benefit | 1,200 IndiGo BluChips voucher on fee payment (2,400 in the launch 2x window through 31 Jul 2026) |
| 72 of 746 — wins this row | Lounge doors opened | 17 of 746 |
| not published | Income — salaried | not published |
| not published | Income — self-employed | not published |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Net annual value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. Tune it to your own spend in the calculator.
SpiceJet Axis Bank Voyage Black out-earns IndiGo Axis Bank Credit Card at every spend level we model, from ₹25k to ₹5L a month.
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
The call
For the ₹1L/month spender, SpiceJet Axis Bank Voyage Black nets ₹25,960 against ₹7,841 — a ₹18,119 gap. At ₹5L/month, SpiceJet Axis Bank Voyage Black nets ₹1,13,800 against ₹37,601 — a ₹76,199 gap. Lounge chasers: SpiceJet Axis Bank Voyage Black opens 72 of 746 tracked doors to IndiGo Axis Bank Credit Card's 17.
Our standing verdicts: SpiceJet Axis Bank Voyage Black — Downgrade; IndiGo Axis Bank Credit Card — Downgrade. On our board, SpiceJet Axis Bank Voyage Black sits at #54 to IndiGo Axis Bank Credit Card's #76 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →