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IndiGo Axis Bank Credit Card
Axis and IndiGo's entry-level co-brand card, built for occasional IndiGo flyers who want airline-specific rewards without paying a premium-card fee. It earns 4 BluChips per ₹100 on IndiGo bookings against a flat 1% base rate elsewhere, and the ₹799 fee has no spend-based waiver, so it's a straightforward annual cost rather than something to work around. BluChips redeem only within the IndiGo ecosystem — flights, seat selection, baggage — so the card's value is entirely tied to how often you actually fly IndiGo.
Annual fee
₹0
Joining fee
₹0
Reward type
miles
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
- Travel: 4 BluChips per ₹100 on IndiGo bookings, redeemable within the IndiGo ecosystem for flights, seat selection, and baggage
- Domestic lounge access: 1 complimentary domestic airport lounge visit per quarter on ₹50,000 spend in preceding 3 months
Benefits by category
- ✈️ Travel
4% reward rate
- ⛽ Fuel
1% fuel surcharge waiver at fuel stations across India, capped at ₹400 waived per statement cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Rewards redemption fee: BluChips redeem directly within the IndiGo booking flow; no separate redemption fee
- Foreign currency markup: 3.5%
- Interest rate: 43.2% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver at fuel stations across India, capped at ₹400 per statement cycle
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
Benefits
- IndiGo BluChips voucher plus a 6E Eats voucher credited on card issuance, giving new cardholders an immediate taste of the BluChips loyalty currency before their first statement
- 1% fuel surcharge waiver at fuel stations across India, capped at ₹400 waived per statement cycle
Pros
- + Accessible ₹799 fee for an airline co-branded card, well below most travel cards
- + 4 BluChips per ₹100 (4% effective rate) on IndiGo ticket bookings
- + Welcome BluChips voucher and 6E Eats voucher on card issuance
- + 1% fuel surcharge waiver on transactions across any fuel station
Cons
- − No annual fee waiver tied to spend — the ₹799 fee applies every year regardless of usage
- − BluChips have value only within the IndiGo ecosystem, worthless if you don't fly the airline
- − 1% base reward rate on non-IndiGo spend is unremarkable
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