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IndiGo Axis Bank Premium Credit Card
The premium half of Axis and IndiGo's co-brand lineup, aimed at frequent IndiGo flyers who spend enough to justify a ₹5,000 fee in exchange for a strong 7% BluChips rate on IndiGo bookings, lounge access, and a reduced 2% forex markup. The eligibility bar (₹75,000/month income) and lack of a spend-based fee waiver mean it's built for regular flyers with meaningful disposable spend, not occasional travelers — someone who flies IndiGo a handful of times a year will likely find the standard IndiGo Axis card's lower fee makes more sense.
Annual fee
₹5,000
Joining fee
₹5,000
Reward type
miles
Base reward rate
1%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel. It's worth the annual fee mainly if your miles value clears it.
Rewards & benefits
- Rewards rate: 1% base rate
- Travel: 7 BluChips per ₹100 on IndiGo bookings, redeemable within the IndiGo ecosystem for flights, seat selection, and baggage
- Domestic lounge access: 2 complimentary domestic airport lounge visits per quarter on ₹50,000 spend in preceding 3 months
- International lounge access: 2 complimentary international lounge visits per year via Priority Pass membership
Benefits by category
- ✈️ Travel
7% reward rate · Complimentary domestic and international airport lounge access, a step up from the entry IndiGo Axis card which offers none
- 🌍 Forex / international spend
Reduced 2% forex markup on international transactions, versus the 3.5% standard rate on most Axis entry and mid-tier cards · 2% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹75,000
- 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: 2%
- Interest rate: 42% 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- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500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
- 5,000 IndiGo BluChips voucher plus a 6E Eats voucher credited on fee payment, worth enough to offset a meaningful chunk of a domestic IndiGo fare on its own
- Complimentary domestic and international airport lounge access, a step up from the entry IndiGo Axis card which offers none
- Reduced 2% forex markup on international transactions, versus the 3.5% standard rate on most Axis entry and mid-tier cards
Pros
- + Strong 7% value-back in BluChips on IndiGo travel spend, among the highest airline co-brand rates available
- + Domestic and international lounge access included, unlike the entry-level IndiGo Axis card
- + Reduced 2% forex markup versus the 3.5% standard Axis rate
- + 5,000 BluChips welcome bonus plus a 6E Eats voucher on fee payment
Cons
- − Steep ₹5,000 joining/annual fee with no spend-based waiver
- − High ₹75,000/month income eligibility requirement
- − BluChips have value only within the IndiGo ecosystem, so the card is a poor fit for anyone flying other airlines
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