Airline
IndiGo Axis Bank Credit Card
An entry IndiGo card that earns BluChips on every spend, with welcome and renewal BluChips, milestone bonuses and a quarterly lounge visit.
Joining fee₹799 + GST
Annual fee₹799 + GST
Fee waiverNone
Top reward3 BluChips per ₹100 on IndiGo
Lounge1 domestic a quarter (spend-based)
Forex markup3.5%
Best for: People who fly IndiGo a few times a year and want a cheap co-brand card.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| IndiGo flights, 6E add-ons and IndiGo app | 3 BluChips per ₹100 | – |
| Groceries and dining | 2 BluChips per ₹100 | – |
| Other spends | 1 BluChip per ₹100 | – |
| Rent, wallet loads, fuel, gold, government, utilities, insurance, EMI, tolls | Nothing | – |
- BluChips can only be used on IndiGo base fares; taxes are paid in cash.
- We value a BluChip at about ₹0.42.
Benefits
Welcome benefit
- 1,200 BluChips on joining.
Milestones
- 1,200 BluChips at ₹1.5 lakh yearly spend and another 1,200 at ₹3 lakh.
- 1,200 BluChips each year on renewal.
Travel and lounges
- 1 domestic lounge visit a quarter with ₹50,000 spend in the previous 3 months.
Fuel and forex
- No fuel surcharge waiver.
- Forex markup 3.5%.
Other perks
- RuPay version works on UPI
Fees and charges
| Joining fee | ₹799 + GST (₹943) |
|---|---|
| Annual fee | ₹799 + GST |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 18 to 70
- Salaried or self-employed
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Low fee for an airline card
- BluChips on UPI with RuPay
- Renewal BluChips offset the fee
Watch out for
- BluChips only for IndiGo
- Low value per BluChip
- Vouchers lapse after 6 months
Recent changes
- 18 Feb 2026Card launched.
- 28 Aug 2026Currency conversion fee raised to 3.5% + GST.
Frequently asked questions
IndiGo Axis or IndiGo IDFC FIRST?
IndiGo Axis is cheap (₹799) with lower earn; IndiGo IDFC FIRST costs ₹4,999 but earns double, gives bigger milestones and has 0% forex.
Ready to apply for the IndiGo Axis Bank Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.