SpiceJet Axis Bank Voyage Black vs IndiGo Axis Bank Credit Card (2026)
IndiGo Axis Bank Credit Card vs SpiceJet Axis Bank Voyage Black: which wins?
₹61,240ranking value a year at ₹3L a month, to SpiceJet Axis Bank Voyage Black
Skip the duel — the board, ranked → · nothing to sign up for
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.
SpiceJet Axis Bank Voyage Black out-earns IndiGo Axis Bank Credit Card at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 10 compared
Head to head
| SpiceJet Axis Bank Voyage Black | Metric | IndiGo Axis Bank Credit Card |
|---|---|---|
| #75 — wins this row | Our rank | #113 |
| ₹2,000/yr | Fee — joining · annual (+ GST) | ₹799/yr — wins this row |
| None | Fee waiver | None |
| 3.5% of the transaction value (+ 3.5% dynamic-currency-conversion markup, raised from 1.5% on 28 August 2026). | Forex markup | 3.5% + GST. Dynamic currency conversion markup 3.5% since 28 August 2026, up from 1.5%, per the bank-wide revision notice. |
| 3.75%/mo (55.55%/yr) | APR | not published |
| 1.5% — wins this row | Headline earn 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 joining-fee payment — doubled to 2 × 1,200 BluChips plus a 6E Eats voucher on applications made between 1 Jun and 31 Aug 2026 |
| 21 of 793 — wins this row | Lounge doors opened | 12 of 793 |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: SpiceJet Axis Bank Voyage Black and IndiGo Axis Bank Credit Card are both open to a direct application.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
Ranking-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. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). 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.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
SpiceJet Axis Bank Voyage Black leads at all 20 steps, but not by the same amount: ₹2,909 at ₹0.25L a month, ₹61,199 at ₹5L — the gap fans out with spend, widest at ₹5L (₹61,199).
SpiceJet Axis Bank Voyage Black draws above the line, IndiGo Axis Bank Credit Card below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | SpiceJet Axis Bank Voyage Black | IndiGo Axis Bank Credit Card | In front |
|---|---|---|---|
| ₹0.25L | ₹5,770 | ₹2,861 | SpiceJet Axis Bank Voyage Black by ₹2,909 |
| ₹0.5L | ₹13,540 | ₹4,721 | SpiceJet Axis Bank Voyage Black by ₹8,819 |
| ₹0.75L | ₹18,310 | ₹6,581 | SpiceJet Axis Bank Voyage Black by ₹11,729 |
| ₹1L | ₹23,080 | ₹8,441 | SpiceJet Axis Bank Voyage Black by ₹14,639 |
| ₹1.25L | ₹27,850 | ₹10,301 | SpiceJet Axis Bank Voyage Black by ₹17,549 |
| ₹1.5L | ₹32,620 | ₹12,161 | SpiceJet Axis Bank Voyage Black by ₹20,459 |
| ₹1.75L | ₹37,390 | ₹14,021 | SpiceJet Axis Bank Voyage Black by ₹23,369 |
| ₹2L | ₹42,160 | ₹15,881 | SpiceJet Axis Bank Voyage Black by ₹26,279 |
| ₹2.25L | ₹46,930 | ₹17,741 | SpiceJet Axis Bank Voyage Black by ₹29,189 |
| ₹2.5L | ₹51,700 | ₹19,601 | SpiceJet Axis Bank Voyage Black by ₹32,099 |
| ₹2.75L | ₹56,470 | ₹21,461 | SpiceJet Axis Bank Voyage Black by ₹35,009 |
| ₹3L | ₹61,240 | ₹23,321 | SpiceJet Axis Bank Voyage Black by ₹37,919 |
| ₹3.25L | ₹66,010 | ₹25,181 | SpiceJet Axis Bank Voyage Black by ₹40,829 |
| ₹3.5L | ₹70,780 | ₹27,041 | SpiceJet Axis Bank Voyage Black by ₹43,739 |
| ₹3.75L | ₹75,550 | ₹28,901 | SpiceJet Axis Bank Voyage Black by ₹46,649 |
| ₹4L | ₹80,320 | ₹30,761 | SpiceJet Axis Bank Voyage Black by ₹49,559 |
| ₹4.25L | ₹85,090 | ₹32,621 | SpiceJet Axis Bank Voyage Black by ₹52,469 |
| ₹4.5L | ₹89,860 | ₹34,481 | SpiceJet Axis Bank Voyage Black by ₹55,379 |
| ₹4.75L | ₹94,630 | ₹36,341 | SpiceJet Axis Bank Voyage Black by ₹58,289 |
| ₹5L | ₹99,400 | ₹38,201 | SpiceJet Axis Bank Voyage Black by ₹61,199 |
Transfer reach — 0 vs 0 live routes
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
SpiceJet Axis Bank Voyage Black · 3 more →
- 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
IndiGo Axis Bank Credit Card · 3 more →
- 0.5% general earn — a loyalty card, not a rewards engine
- BluChips redeem only for IndiGo flights; our house value is ₹0.50/point
- 3.5% forex markup — punishing for any overseas spend
The call
For the ₹1L/month spender, SpiceJet Axis Bank Voyage Black nets ₹23,080 against ₹8,441 — a ₹14,639 gap. At ₹5L/month, SpiceJet Axis Bank Voyage Black nets ₹99,400 against ₹38,201 — a ₹61,199 gap. Lounge chasers: SpiceJet Axis Bank Voyage Black opens 21 of 793 tracked doors to IndiGo Axis Bank Credit Card's 12.
Our standing verdicts: SpiceJet Axis Bank Voyage Black — Downgrade; IndiGo Axis Bank Credit Card — Downgrade. SpiceJet Axis Bank Voyage Black takes 6 of the 7 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, SpiceJet Axis Bank Voyage Black or IndiGo Axis Bank Credit Card?
SpiceJet Axis Bank Voyage Black. SpiceJet Axis Bank Voyage Black takes 6 of the 7 rounds we can score. SpiceJet Axis Bank Voyage Black out-earns IndiGo Axis Bank Credit Card at every spend level we model, from ₹25k to ₹5L a month.
SpiceJet Axis Bank Voyage Black or IndiGo Axis Bank Credit Card — which earns more at ₹3L a month?
At ₹3L a month, SpiceJet Axis Bank Voyage Black nets ₹61,240 against ₹23,321 — a ₹37,919 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, SpiceJet Axis Bank Voyage Black or IndiGo Axis Bank Credit Card?
IndiGo Axis Bank Credit Card — ₹799/yr against ₹2,000/yr. SpiceJet Axis Bank Voyage Black waives its fee at no spend level — there is no waiver; IndiGo Axis Bank Credit Card at no spend level — there is no waiver.
Which gets you into more airport lounges, SpiceJet Axis Bank Voyage Black or IndiGo Axis Bank Credit Card?
Lounge chasers: SpiceJet Axis Bank Voyage Black opens 21 of 793 tracked doors to IndiGo Axis Bank Credit Card's 12. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Both card records were last re-verified against their issuers' own documents on 2026-08-23. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against Axis Bank and Axis Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 12 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
- official IndiGo Axis Bank Credit Card product page — 3/2/1 BluChips per ₹100, 1,200-BluChip welcome AND a 1,200-BluChip renewal voucher every year on fee payment
- official IndiGo — Axis co-brand loyalty partner page
- community CardInsider — ₹799 fee, 3/2/1 earn, 1,200 welcome, milestones, 3.5% forex, RuPay
- official Axis's own Double-welcome-bonus offer T&C — the window is 1 Jun to 31 Aug 2026, paying 2 × 1,200 BluChips plus a 6E Eats voucher on joining-fee payment
- community LiveFromALounge (20 Jul 2026) — read the launch 2x window as 1–31 Jul 2026; superseded by Axis's own offer T&C, which runs it 1 Jun to 31 Aug 2026