SpiceJet Axis Bank Voyage Credit Card
As the base tier of Axis Bank's SpiceJet partnership, the Voyage card runs on SpiceClub points valued at around ₹0.50 apiece, a figure confirmed by Axis's own Value Charts. SpiceJet bookings return up to 18 points per ₹200 spent — near 4.5% effective back — while online food orders, entertainment and bill payments earn 6 points per ₹200, and every other purchase, general e-commerce included, settles for 3 points per ₹200. There's no fee-waiver clause published anywhere in the terms. New cardholders unlock a ₹1,500 SpiceJet voucher once they've made two transactions within the first 30 days, alongside SpiceClub Silver status, and annual spend of ₹1 lakh and ₹2 lakh triggers 2,000 and 3,000 bonus points respectively, with renewal adding another 1,000. Four domestic lounge visits a year come gated behind a quarterly spend threshold, and there's a 1% fuel-surcharge waiver, though fuel itself, wallet loads and EMI conversions earn zero points. The real question mark hanging over this card is SpiceJet's own stability — tying a rewards currency to an airline with a rocky financial and operational history is a risk worth weighing before signing up.
Key features
The essentials worth knowing before applying.
Welcome Benefit
Around ₹1,500 in vouchers and points on activation
4.5% on Travel
Up to 18 SpiceClub points per ₹200 on SpiceJet website and app bookings
1.5% on Dining
6 SpiceClub points per ₹200 on online food orders
️ Airport Lounge Access
4 complimentary domestic visits a year, unlocked by prior-quarter spend
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | reward points | 4.5% | — |
| Dining | reward points | 1.5% | — |
| Utility Bills | reward points | 1.5% | — |
| OTT & Entertainment | reward points | 1.5% | — |
| Other | reward points | 0.75% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹885 |
| Joining fee (incl. 18% GST) | ₹885 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Add-on card fee | Free |
| Fuel surcharge waiver | 1%, cap ₹400 |
Perks & benefits
Non-reward value adds up to roughly ₹6,400 a year.
️ Lounge access ~₹3,000/yr
4 complimentary domestic lounge visits a year, unlocked by ₹50,000 of spend in the previous quarter.
Milestone bonus ~₹1,000/yr
2,000 SpiceClub points at ₹1 lakh of annual spend.
Milestone bonus ~₹1,500/yr
A further 3,000 SpiceClub points at ₹2 lakh of annual spend.
Milestone ladder
- 1₹1,00,000 a year₹1,000 of value
- 2₹2,00,000 a year₹1,500 of value
Should you get it?
Best for: frequent SpiceJet flyers, and travellers who'll actually redeem points into SpiceJet fares promptly.
A mid-tier card, well suited to steady monthly spenders.
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- Up to 18 SpiceClub points per ₹200 (~4.5% value) on SpiceJet bookings
- ₹1,500 welcome flight voucher plus SpiceClub Silver membership
- Low ₹750 fee with milestone points and a renewal bonus
✕ Cons
- SpiceClub points are locked to SpiceJet, an airline with well-documented reliability issues
- Lounge access is spend-gated (₹50,000 in the prior quarter) and capped at 4 visits a year
- Fuel, wallet loads and EMI transactions earn no points
- No fee waiver at any spend level — Axis's own value chart still charges the ₹750 fee even at ₹2.5 lakh of spend
Eligibility & documents
Age
18 –70 years
Min. income
₹30,000 /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
🎁 Redeem SpiceClub points against SpiceJet flight bookings, worth roughly ₹0.50 per point
🎁 SpiceJet vouchers and SpiceClub membership benefits
What your SpiceJet SpiceClub are worth
Realistic per-point value across redemption routes. SpiceJet fares: roughly ₹0.50 per point — priced below a full-service-airline baseline since a budget-carrier currency only offsets fare cost. The catch: SpiceClub points are locked to a single airline, so their real value depends entirely on your ability to actually book and fly SpiceJet.
The bottom line
Voyage earns well on SpiceJet spend for a modest fee, but its real value depends entirely on SpiceJet's flight schedule. SpiceClub points only pay off if you can consistently book and fly the airline, and SpiceJet's reliability has had well-documented rough patches — so this suits committed SpiceJet regulars rather than someone looking for an airline-agnostic travel card.
Frequently asked questions
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