SpiceJet Axis Bank Voyage Black Credit Card
Think of the Voyage Black as Axis and SpiceJet's flagship co-brand play: a ₹2,000-a-year card built almost entirely around one airline. Book through SpiceJet and each ₹200 spent returns as many as 28 SpiceClub points, which work out to roughly ₹0.50 apiece — call it a 7% effective rebate. Online food orders, entertainment subscriptions and bill payments run at a steadier 12 points per ₹200, while every other purchase settles for 6 points per ₹200 (fuel, EMI conversions and wallet top-ups are excluded outright). New cardholders walk away with a ₹4,000 SpiceJet travel voucher and instant SpiceClub Gold status, and annual spending past ₹2 lakh and ₹4 lakh unlocks 4,000 and 6,000 bonus points respectively, plus 2,000 more just for renewing. Eight domestic lounge visits a year (two per quarter) and a 1% fuel-surcharge waiver round out the package. Spend enough on SpiceJet and the math beats the standard Voyage card comfortably — the catch is that your entire rewards balance rides on an airline whose operational track record has given frequent flyers real reasons for concern.
Key features
A quick rundown of what makes this card worth a look.
Welcome Benefit
~₹4,000 in vouchers, points or cashback on card activation
7% on Travel
Up to 28 SpiceClub points per ₹200 (~7% value) on SpiceJet bookings (website and app)
3% on Online Shopping
12 SpiceClub points per ₹200 (~3%) on online entertainment, food orders and bill payments
️ Airport Lounge Access
8 complimentary domestic lounge visits a year (2 per quarter)
Fuel Surcharge Waiver
1% waiver on fuel transactions
Milestone Bonus
~₹5,000 in bonus rewards on hitting annual spend milestones
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | reward points | 7% | — |
| Online Shopping | reward points | 3% | — |
| Other | reward points | 1.5% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹2,360 |
| Joining fee (incl. 18% GST) | ₹2,360 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% |
Perks & benefits
Adding up the non-reward perks puts their combined worth at roughly ₹11,400 a year.
️ lounge access ~ ₹6,000 /yr
8 complimentary domestic lounge visits a year (2 per quarter)
milestone bonus ~ ₹5,000 /yr
4,000 SpiceClub points at ₹2 lakh and a further 6,000 at ₹4 lakh of annual spend; 2,000 points on renewal
fuel waiver ~ ₹400 /yr
1% fuel surcharge waiver on fuel transactions of ₹400–4,000 (up to ₹400 a month)
Spend milestone
· ₹4,00,000 a year ₹5,000 of value
Should you get it?
Best for: Heavy, committed SpiceJet flyers, Travellers who can redeem points on SpiceJet fares promptly
A premium-tier card that performs well for anyone with consistent monthly spend.
Delivers the most value when Travel spend dominates your budget, thanks to the 7% return.
The bundled airport lounge access is a genuine plus for anyone who travels often.
✓ Pros
- As much as 28 SpiceClub points per ₹200 spent on SpiceJet fares — around 7% value
- A ₹4,000 welcome voucher plus SpiceClub Gold status from day one
- Eight domestic lounge visits annually, alongside milestone and renewal bonus points
✕ Cons
- Every point you earn is redeemable only through SpiceJet, an airline whose reliability issues are widely reported
- The ₹2,000 annual fee makes this a costlier gamble on one carrier
- No points accrue on fuel purchases, wallet top-ups or EMI conversions
Eligibility & documents
Age
18 –70 years
Min. income
₹75,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
How to turn accumulated points into something usable.
🎁 Redeem SpiceClub points against SpiceJet flight bookings (~₹0.50 per point)
🎁 SpiceJet vouchers and SpiceClub Gold membership benefits
What your SpiceJet SpiceClub are worth
What a point actually converts to depends on how you redeem it — and that gap is where most cardholders lose value without realizing it.
SpiceJet fares: ₹0.50 per point, discounted relative to typical airline currencies since a low-cost carrier's points can only offset ticket price, nothing more
The concern Every point earned on this card is only redeemable through a single airline whose finances and operations have drawn repeated scrutiny — and the elevated ₹2,000 fee only sharpens what's riding on that one carrier holding up.
The bottom line
Nothing else on the market pays you back faster on SpiceJet spend than the Voyage Black — roughly 7%, plus a ₹4,000 welcome voucher and legitimate lounge benefits. But that value is entirely dependent on SpiceJet remaining a reliable option on the routes you actually fly, and the airline's history means that's not a given. This card makes sense only for a genuine SpiceJet loyalist; everyone else should look at a premium travel card whose rewards aren't tied to one airline's fortunes.
Sources & verification
All fee, reward-rate, and benefit figures for the SpiceJet Axis Bank Voyage Black come straight from Axis Bank's Most Important Terms & Conditions and published fee schedule — see the card's official page. Verified 13 Aug 2026 and reviewed by the SarvCred Editorial Team. Confirm the latest terms directly with the issuer before applying. How we research →
A note on independence: SarvCred publishes editorial content independently and has no affiliation with, endorsement from, or authorization to act on behalf of Axis Bank. Brand names, product names and payment-network logos referenced here belong to their respective owners and are used solely for identification and comparison. Any card imagery on this site is our own original illustration, not official issuer artwork.
Frequently asked questions
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