SpiceJet Axis Bank Voyage vs IndiGo Axis Bank Credit Card (2026)
Axis Bank's own upgrade question: ₹750/yr against ₹799/yr — and the dearer card earns LESS, 0.5% to 0.8%.
Head to head
| SpiceJet Axis Bank Voyage | Metric | IndiGo Axis Bank Credit Card |
|---|---|---|
| #77 — wins this row | Our rank | #78 |
| ₹750/yr — wins this row | Fee — joining · annual (+ GST) | ₹799/yr |
| 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 |
| 0.8% — wins this row | Headline earn rate | 0.5% |
| SpiceJet SpiceClub | Currency | IndiGo BluChip |
| ₹0.50/pt | House value | ₹0.50/pt |
| ₹1,500 SpiceJet flight voucher for 2 transactions within 30 days of issue, plus complimentary SpiceClub Silver membership | Welcome benefit | 1,200 IndiGo BluChips voucher on fee payment — still doubled to 2 × 1,200 BluChips plus a 6E Eats voucher for anyone applying through 31 Aug 2026 |
| 72 of 789 — wins this row | Lounge doors opened | 17 of 789 |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: SpiceJet Axis Bank Voyage 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 →
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 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
SpiceJet Axis Bank Voyage leads at all 20 steps, but not by the same amount: ₹1,774 at ₹0.25L a month, ₹11,749 at ₹5L — the gap fans out with spend, widest at ₹5L (₹11,749).
SpiceJet Axis Bank Voyage 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 | IndiGo Axis Bank Credit Card | In front |
|---|---|---|---|
| ₹0.25L | ₹4,635 | ₹2,861 | SpiceJet Axis Bank Voyage by ₹1,774 |
| ₹0.5L | ₹7,020 | ₹4,721 | SpiceJet Axis Bank Voyage by ₹2,299 |
| ₹0.75L | ₹9,405 | ₹6,581 | SpiceJet Axis Bank Voyage by ₹2,824 |
| ₹1L | ₹11,790 | ₹8,441 | SpiceJet Axis Bank Voyage by ₹3,349 |
| ₹1.25L | ₹14,175 | ₹10,301 | SpiceJet Axis Bank Voyage by ₹3,874 |
| ₹1.5L | ₹16,560 | ₹12,161 | SpiceJet Axis Bank Voyage by ₹4,399 |
| ₹1.75L | ₹18,945 | ₹14,021 | SpiceJet Axis Bank Voyage by ₹4,924 |
| ₹2L | ₹21,330 | ₹15,881 | SpiceJet Axis Bank Voyage by ₹5,449 |
| ₹2.25L | ₹23,715 | ₹17,741 | SpiceJet Axis Bank Voyage by ₹5,974 |
| ₹2.5L | ₹26,100 | ₹19,601 | SpiceJet Axis Bank Voyage by ₹6,499 |
| ₹2.75L | ₹28,485 | ₹21,461 | SpiceJet Axis Bank Voyage by ₹7,024 |
| ₹3L | ₹30,870 | ₹23,321 | SpiceJet Axis Bank Voyage by ₹7,549 |
| ₹3.25L | ₹33,255 | ₹25,181 | SpiceJet Axis Bank Voyage by ₹8,074 |
| ₹3.5L | ₹35,640 | ₹27,041 | SpiceJet Axis Bank Voyage by ₹8,599 |
| ₹3.75L | ₹38,025 | ₹28,901 | SpiceJet Axis Bank Voyage by ₹9,124 |
| ₹4L | ₹40,410 | ₹30,761 | SpiceJet Axis Bank Voyage by ₹9,649 |
| ₹4.25L | ₹42,795 | ₹32,621 | SpiceJet Axis Bank Voyage by ₹10,174 |
| ₹4.5L | ₹45,180 | ₹34,481 | SpiceJet Axis Bank Voyage by ₹10,699 |
| ₹4.75L | ₹47,565 | ₹36,341 | SpiceJet Axis Bank Voyage by ₹11,224 |
| ₹5L | ₹49,950 | ₹38,201 | SpiceJet Axis Bank Voyage by ₹11,749 |
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
SpiceJet Axis Bank Voyage · 2 more →
- 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
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 nets ₹11,790 against ₹8,441 — a ₹3,349 gap. At ₹5L/month, SpiceJet Axis Bank Voyage nets ₹49,950 against ₹38,201 — a ₹11,749 gap. Lounge chasers: SpiceJet Axis Bank Voyage opens 72 of 789 tracked doors to IndiGo Axis Bank Credit Card's 17.
Our standing verdicts: SpiceJet Axis Bank Voyage — Downgrade; IndiGo Axis Bank Credit Card — Downgrade. On our board, SpiceJet Axis Bank Voyage sits at #77 to IndiGo Axis Bank Credit Card's #78 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, SpiceJet Axis Bank Voyage or IndiGo Axis Bank Credit Card?
SpiceJet Axis Bank Voyage. It sits at #77 on our board to IndiGo Axis Bank Credit Card's #78. SpiceJet Axis Bank Voyage takes 7 of the 7 rounds we can score. SpiceJet Axis Bank Voyage out-earns IndiGo Axis Bank Credit Card at every spend level we model, from ₹25k to ₹5L a month.
SpiceJet Axis Bank Voyage or IndiGo Axis Bank Credit Card — which earns more at ₹3L a month?
At ₹3L a month, SpiceJet Axis Bank Voyage nets ₹30,870 against ₹23,321 — a ₹7,549 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 or IndiGo Axis Bank Credit Card?
SpiceJet Axis Bank Voyage — ₹750/yr against ₹799/yr. SpiceJet Axis Bank Voyage 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 or IndiGo Axis Bank Credit Card?
Lounge chasers: SpiceJet Axis Bank Voyage opens 72 of 789 tracked doors to IndiGo Axis Bank Credit Card's 17. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: SpiceJet Axis Bank Voyage on 2026-07-26, IndiGo Axis Bank Credit Card on 2026-08-15. 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.