IndiGo Axis Bank Credit Card
- Updated On: 23 February, 2026
The IndiGo Axis Bank Credit Card is the entry-level variant among the IndiGo co-branded cards offered in partnership with Axis Bank. Designed for budget-conscious travellers, this card focuses on helping frequent IndiGo flyers earn BluChips at a low annual cost.
Available at a joining and annual fee of ₹799 + GST, the card offers a 1,200 IndiGo BluChips welcome voucher, which can be used for future flight bookings with IndiGo. While it does not provide premium travel benefits like international lounge access, it covers the basics well, including accelerated rewards on IndiGo bookings and a quarterly domestic lounge visit. This card can also be used for UPI payments since it is available on the RuPay network.
For those who primarily fly with IndiGo and want a simple, affordable travel card without paying a high annual fee, this card can serve as a practical starting point.
IndiGo Axis Bank Credit Card
( 4.4 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
3 IndiGo BluChips Per ₹100 Spent On IndiGo Channels. 2 IndiGo BluChips Per ₹100 Spent On Grocery & Dining Categories. 1 IndiGo BluChips Per ₹100 Spent On All Other Eligible Spends
Welcome Benefits
Voucher of 1,200 IndiGo BluChips
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
3 IndiGo BluChips Per ₹100 Spent On IndiGo Channels. 2 IndiGo BluChips Per ₹100 Spent On Grocery & Dining Categories. 1 IndiGo BluChips Per ₹100 Spent On All Other Eligible Spends
Reward Redemption
IndiGo BluChips Can Be Redeemed On IndiGo Flights
Travel
N/A
Domestic Lounge Access
1 Domestic Lounge Visit Per Quarter
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.5%
Interest Rates
3.75% Per Month (55.55% Per Annum)
Fuel Surcharge Waiver
N/A
Cash Advance Charges
2.5% Of Transaction Amount (Minimum ₹500)
Product Details
- This is an airline co-branded credit card.
- Those who often fly with IndiGo can earn accelerated BluChips with this card.
- Cardholders can access domestic airport lounges with this card.
Pros/Cons
Pros
- This is an affordable credit card, as it comes with a joining and annual fee of ₹799 + GST. Those who frequently travel with IndiGo can benefit from this low-cost option while earning BluChips on their spends.
Cons
- Domestic airport lounge access is spend-based with this card, and there is no international airport lounge access with it.
Welcome/Renewal Vouchers
All IndiGo Axis Credit Cardholders will receive 1,200 IndiGo BluChips upon payment of the joining and annual fees. The voucher will be credited to the customer’s IndiGo BluChips membership account within 30 days of the fee payment.
IndiGo BluChips Earnings
- The cardholder will earn 3 IndiGo BluChips per ₹100 spent on IndiGo channels.
- The cardholder shall also earn 1 IndiGo BluChips per ₹100 spent on all eligible non-accelerated categories and 2 IndiGo BluChips per ₹100 spent on grocery and dining categories.
- Since this card is available on RuPay, cardholders can also earn up to 750 IndiGo BluChips for eligible UPI transactions.
The following categories are excluded from BluChips earnings.
- Government Services
- Insurance Services
- Utility Services (Including Telecom)
- Rental Payments
- Wallet
- Fuel
- Jewelry
Redemption of IndiGo BluChips
IndiGo BluChips do not have a fixed value. Their redemption value is dynamic and depends on factors such as your travel route, booking date, and ticket pricing at the time of redemption.
Milestone Benefits
| Spending | Voucher |
| ₹1.5 Lakh | 1,200 IndiGo BluChips |
| ₹3 Lakh | 1,200 IndiGo BluChips |
Bottom Line
The IndiGo Axis Bank Credit Card is the basic variant, while the IndiGo Axis Premium Credit Card offers more benefits at a higher annual fee. Those interested in an IndiGo co-branded credit card can choose between these two options based on their budget and travel needs.
While the reward rate is decent, it can feel slightly confusing because IndiGo BluChips do not have a fixed value. Even so, at an affordable fee, this card can be a practical choice for someone looking for a simple card with basic travel benefits.
FAQs:
What Is The Annual Fee Of The IndiGo Axis Bank Credit Card?
The card comes with a joining and annual fee of ₹799 + GST. It is positioned as an affordable option for frequent IndiGo travellers.
How Many IndiGo BluChips Can Be Earned With This Card?
Cardholders earn 3 IndiGo BluChips per ₹100 spent on IndiGo channels, 2 BluChips per ₹100 on grocery and dining categories, and 1 BluChip per ₹100 on all other eligible spends.
Does The IndiGo Axis Bank Credit Card Offer Lounge Access?
Yes, the card offers 1 domestic lounge visit per quarter. However, the benefit is spend-based, and this card does not provide international lounge access.