IndiGo Axis Bank Premium Credit Card
- Updated On: 23 February, 2026
IndiGo, one of the most popular airlines in the country, offers co-branded credit cards with several major banks, including IDFC, SBI, Kotak, and Axis Bank. With Axis Bank, IndiGo has two co-branded options, the IndiGo Axis Credit Card and the IndiGo Axis Premium Credit Card.
The IndiGo Axis Premium Credit Card is the more premium variant of the two. It comes with an annual fee of ₹5,000 + GST. In return, cardholders receive a 5,000 BluChips voucher along with a 6E Eats voucher, both of which must be used within six months of issuance.
When it comes to IndiGo BluChips, the earning structure and redemption process can feel slightly confusing at first. The IndiGo Axis Premium Credit Card offers 7 IndiGo BluChips per ₹100 spent on IndiGo channels, 3 BluChips per ₹100 spent on grocery and hotel categories, and 2 BluChips per ₹100 spent on all other eligible spends. Additionally, cardholders may earn extra BluChips on IndiGo flights depending on their membership tier.
Beyond rewards within the IndiGo ecosystem, the card also provides travel benefits such as domestic and international airport lounge access. It further adds a simple but useful entertainment perk in the form of a BOGO offer on movie tickets through BookMyShow.
IndiGo Axis Bank Premium Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
7 IndiGo BluChips Per ₹100 Spent On IndiGo Channels. 3 IndiGo BluChips Per ₹100 Spent On Grocery & Hotel Categories. 2 IndiGo BluChips Per ₹100 Spent On All Other Eligible Spends
Welcome Benefits
5,000 IndiGo BluChips Voucher + 1 6E Eats Voucher
Rewards and Benefits
Movie & Dining
BOGO On Movie Tickets With BookMyShow (Up To ₹250 Per Month)
Rewards Rate
7 IndiGo BluChips Per ₹100 Spent On IndiGo Channels. 3 IndiGo BluChips Per ₹100 Spent On Grocery & Hotel Categories. 2 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
2 Domestic Lounge Visits Per Quarter
International Lounge Access
2 International Lounge Visits Per Calendar Year
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.5%
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
- The IndiGo Axis Bank Premium Credit Card is a co-branded airline credit card designed for frequent IndiGo travellers.
- This card can be availed at an annual charge of ₹5,000 + GST.
- The cardholder shall earn 7 IndiGo BluChips per ₹100 spent on IndiGo channels, 3 IndiGo BluChips per ₹100 spent on grocery and hotel categories, and 2 IndiGo BluChips per ₹100 spent on all other eligible spends.
Pros/Cons
Pros
- Usually, airline co-branded credit cards focus mainly on travel benefits. However, this card also offers entertainment perks, including a BOGO offer on movie ticket bookings through BookMyShow.
Cons
- IndiGo BluChips can be redeemed only on IndiGo flights, which limits flexibility compared to cards that offer multiple airline or hotel transfer partners.
Welcome/Renewal Vouchers
All IndiGo Axis Premium Credit Cardholders will receive 5,000 IndiGo BluChips, along with one 6E Eats voucher, upon payment of the joining and annual fees. The vouchers 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 7 IndiGo BluChips per ₹100 spent on IndiGo channels.
- The cardholder shall also earn 2 IndiGo BluChips per ₹100 spent on all eligible non-accelerated categories and 3 IndiGo BluChips per ₹100 spent on grocery and hotel categories.
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
An IndiGo BluChip voucher can be used only while booking flights on the IndiGo website or the IndiGo mobile app. The voucher can be redeemed by the member or their nominee and is applicable only against the base fare of the ticket.
To use the voucher, it must be applied on the payment page at the time of making the flight booking through IndiGo’s official website or mobile application.
IndiGo BluChip vouchers are valid for booking and travel within six months from the date of issuance. These vouchers can be used only for a single one-way flight and cannot be applied to return tickets or multi-segment bookings.
Milestone Benefits
On reaching spending milestones, cardholders shall be eligible for BluChips vouchers. This is a great feature for all those with high annual spends.
| Spending | Voucher |
| ₹2 Lakh | 5,000 IndiGo BluChips |
| ₹5 Lakh | 5,000 IndiGo BluChips |
| ₹8 Lakh | 5,000 IndiGo BluChips |
| ₹12 Lakh | 5,000 IndiGo BluChips |
Spends on the following categories shall not be counted towards milestone spends.
- Government Services
- EMIs
- Insurance Services
- Utility Services (Including telecom)
- Rental Payments
- Wallet
- Fuel
- Jewelry
Airport Lounge Access
The cardholder will be eligible for 2 domestic lounge visits per quarter. This benefit is subject to a minimum spend of ₹50,000 in the previous three calendar months.
In addition, the cardholder will receive a complimentary Priority Pass membership, which allows access to 2 international lounge visits per calendar year.
Bottom Line
One of the biggest challenges with any IndiGo co-branded credit card is the inconsistent value of IndiGo BluChips. The redemption value is not fixed and can vary widely. While some users may get a value of around ₹0.80 per BluChip in certain cases, many end up receiving closer to ₹0.40 per BluChip. As long as the value remains dynamic and unpredictable, it becomes difficult to properly evaluate or confidently choose an IndiGo co-branded credit card.
That said, the IndiGo Axis Premium Credit Card still stands out as a decent option for those specifically looking for an IndiGo co-branded card. It offers the standard travel-focused benefits seen across similar cards, along with adequate lounge access, an entertainment benefit through BookMyShow, and a relatively low forex markup, which could be useful for international travellers.
Share your thoughts on this co-branded credit card in the comments below.
FAQs:
What Is The Annual Fee Of The IndiGo Axis Bank Premium Credit Card?
The card comes with a joining and annual fee of ₹5,000 + GST. Upon payment of the fee, cardholders receive 5,000 IndiGo BluChips along with a 6E Eats voucher.
How Can IndiGo BluChips Be Redeemed?
IndiGo BluChips earned through this card can be redeemed only on IndiGo flight bookings. They cannot be transferred to other airline or hotel loyalty programs.
Does The Card Offer Airport Lounge Access?
Yes. Cardholders get 2 domestic lounge visits per quarter (subject to ₹50,000 spends in the previous three calendar months) and 2 international lounge visits per calendar year through a complimentary Priority Pass membership.