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SpiceJet Axis Bank Voyage Black Credit Card
The top-tier SpiceJet co-brand — a ₹4,000 flight voucher against a ₹2,000 fee makes the first year cheap in practice, and the 2X rate on everyday online spend adds real value beyond flying, but the annual fee has no spend-based waiver from year two. It's the more sensible pick over the base Voyage card for anyone who both flies SpiceJet with some regularity and wants a co-brand card that still earns respectably on general day-to-day online spending, since the 2X online rate isn't tied to the airline at all — the trade-off is that from year two you're paying the full ₹2,000 fee with no way to waive it through spend.
Annual fee
₹2,000
Joining fee
₹2,000
Reward type
points
Base reward rate
6%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 720+ whose spend is concentrated in travel. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 6% base rate
- Travel: SC Points redeemable for SpiceJet flight tickets, seat upgrades, and meal vouchers; SpiceClub Gold membership adds baggage and priority benefits
- Domestic lounge access: 8 complimentary domestic lounge visits per year, subject to minimum spend of ₹50,000 in the previous quarter
Benefits by category
- 🍽️ Dining & food delivery
Up to 28 SC Points per ₹200 (14%) on SpiceJet bookings, and 12 SC Points per ₹200 (2X the base rate) on everyday online spends like bill payments, food delivery and entertainment — a genuinely useful accelerator for digital-first daily spending, not just flights
- ✈️ Travel
28% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on fuel transactions between ₹400–₹4,000, capped at ₹400 back a month
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Rewards redemption fee: No fee — SC Points redeem directly within the SpiceJet app
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹400/month
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
Benefits
- SpiceJet flight ticket voucher worth ₹4,000 plus complimentary SpiceClub Gold Membership — the voucher alone is worth double the ₹2,000 joining fee, making the first year effectively free plus a net credit
- 1% fuel surcharge waiver on fuel transactions between ₹400–₹4,000, capped at ₹400 back a month
- Up to 28 SC Points per ₹200 (14%) on SpiceJet bookings, and 12 SC Points per ₹200 (2X the base rate) on everyday online spends like bill payments, food delivery and entertainment — a genuinely useful accelerator for digital-first daily spending, not just flights
Pros
- + ₹4,000 welcome flight voucher more than covers the ₹2,000 joining fee
- + 2X points on everyday online spend, not just SpiceJet bookings
- + SpiceClub Gold status included, layering on baggage and priority benefits with SpiceJet
- + Meaningfully higher SC Points rate on SpiceJet bookings than the base Voyage card
Cons
- − No fee waiver on spend from the second year onward
- − SC Points still only redeemable within the SpiceJet ecosystem
- − Narrower usefulness if SpiceJet isn't your regular airline
- − No lounge access despite the mid-tier positioning and fee level