Eligible spend
2 points per ₹100 on eligible spend
AXIS VISA
IndiGo Axis Bank Premium
Should you get this?
Conditional fit
Why this card
- Up to 7 pts / ₹100 on Indigo
- 2 per quarter domestic + 2 per year international.
- You spend on indigo.
Trade-off
Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar months. International lounge cap is 2 visits per year.
Annual fee ₹5,000 per year
Rewards 2 pts / ₹100
Lounge access 2 domestic (2 per quarter) + 2 intl (2 per year)
Forex markup 2.5% high
Compare with American Express Platinum Travel →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend2 pts / ₹100Credited as reward pointsNot stated
Indigo7 pts / ₹100Credited as reward pointsNot stated
Grocery Hotel3 pts / ₹100Credited as reward pointsNot stated
Annual fee in context
Annual fee is ₹5,000. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getPoint value
Not published by issuer — varies by redemption
Best verified lane
Indigo
7 pts / ₹100
View bonus categories →Realisation
Credited as reward points
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Domestic lounge spend gate₹50,000quarterLounge eligibility
Reported but unverified
Evidence · not used as this card's figures- Renewal fee
- ₹5,000Reported by secondary sources · verify with issuer · 1 source
Evidence only · excluded from decisions
Watch outs
Before choosing this card- Reward point value isn't clearly documented yet, so overall returns may vary.
- Annual fee is ₹5,000, so value depends on actual usage.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (2 pts / ₹100). Up to ~1,000 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- We can estimate the points earned, but not a verified ₹ value yet.
- Annual-fee waiver not offered by issuer
- Forex cost ~₹1,250 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- 2 per quarter — via Axis Bank lounge programme · verified 7 Jul 2026 Condition: ₹50,000 spend in the previous 3 calendar months
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Operator-verified anchor
- CardInsider
- International (cardholder)
- 2 per year
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Operator-verified anchor
- CardInsider
Rewards
- Base earn
- 2 points per ₹100 value depends on redemption
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹5,000
- Joining fee
- ₹5,000 · verified 7 Jul 2026
- Annual-fee waiver
- Not offered
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 2.5%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- CardInsider
- PaisaBazaar
- BankBazaar
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- Premium
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹4,000.
- Maximum waiver ₹400 per month.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshLatest update
- Annual fee: ₹5,000.
- Forex markup currently listed at 2.5%.
- 2 per quarter domestic lounge · 2 per year international.
Common questions
From verified card factsIs this good for lounge access?
2 per quarter domestic + 2 per year international. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 2.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
₹5,000 every year. The issuer does not offer an annual-fee waiver.
When do welcome benefits arrive?
A welcome benefit is listed. Included items: Reward points equivalent to renewal fee (5,000 pts) — renewal. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Learn more
Guides matched to this card — not a random syllabus.
- EDGE Rewards
Miles vs points under one programme - Forex markup bands
0% vs 3.5% — which cards publish what - How reward rate works
Pts / ₹100 without the marketing fog