AXIS

IndiGo Axis Bank Premium Credit Card

Good fit when rewards, fees, and forex fit your spend pattern — ₹5,000 annual fee.

Top reasons to choose this card

8 domestic lounge visits, spend-gated
2.5% forex markup

What you'd do with it

Good fit when indigo is a regular spend category for you.
Useful for travelers who need around 8 domestic lounge visits a year.

Strong lounge access 2 per quarter domestic lounge

Suggested comparison Similar tier comparison Compare with American Express Platinum Travel →

Choose another card to compare →

Annual fee ₹5,000 per year

Forex markup 2.5% high

Lounge access 2 per quarter

Rewards / ₹100 7 pts up to · ₹100 on Indigo

The catch Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar months. Domestic lounge cap is 8 visits per year. International lounge cap is 2 visits per year.

Waiver condition missing
Welcome benefit timing may vary
Welcome benefit listed
Annual fee known
Forex markup known

At a glance

Snapshot · usage · fit

Fast facts

Annual fee: ₹5,000 higher than 93 of 112 cards
Joining fee: ₹5,000
Forex markup: 2.5% lower than 69 of 111 cards
Lounge access: 2 per quarter domestic lounge · 2 per year international
Reward rate: Up to 7 pts / ₹100 on Indigo

Good fit for

Strong lounge access

Still worth it?

Evidence-backed snapshot

Good fit if

2 per quarter domestic lounge

Verify before applying

Annual fee known
Waiver condition missing
Forex markup known
2 per quarter domestic lounge
Airport lounge list may change
Welcome benefit listed
Welcome benefit timing may vary
Monthly interest known

Welcome benefit timing and claim process.
Lounge terms to verify: 2 per quarter domestic lounge. Verify spend criteria, guest rules, and airport list before relying on it.
Annual fee waiver terms and eligible spend exclusions.
Issuer fees, GST, finance charges, and late-payment terms.
Reward terms to verify: base earn is 2 points per ₹100, but caps, excluded categories, redemption rules, and point value are not fully structured.

Next best move

Open the ranking that matches your constraint, or compare this card with the closest alternative.

Compare with American Express Platinum Travel Similar tier comparison Best Axis Bank credit cards See how this card compares within AXIS. Forex ranking (verified) Compared on verified forex markup, then annual fee. Lounge access shortlist Discovery list of cards with cardholder lounge access. Lounge ranking (verified) Compared on verified lounge access, then annual fee.

Is this good for lounge access?

2 per quarter domestic lounge. 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?

Value depends on usage and waiver terms. GST may apply on the annual fee.

When do welcome benefits arrive?

A welcome benefit is listed. Included items: Reward points equivalent to joining fee (5,000 pts). Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Fees confidence: High Forex confidence: High Rewards confidence: Unknown Lounge confidence: High Waiver confidence: Unknown

Card facts refreshed 11 July 2026.

Spending requirements

Spend gates · caps · milestone thresholds

Lounge access spend gate₹50,000period not specifiedLounge eligibilitytrivialstrong

Watch outs

Before choosing this card

Reward value is not fully resolved in the current snapshot.
Annual fee is ₹5,000, so value depends on actual usage.

Reward reality

Point value · limits · exclusions

Point valueNot published by issuer — varies by redemption

Base earn2 points per ₹100

Best verified laneIndigo7 pts / ₹100

Reward rules

Structured earn rates · eligibility · caps when they bind

Indigo7 pts / ₹100——

Grocery Hotel3 pts / ₹100——

General spend2 pts / ₹100——

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: Estimated using base earn (2 pts / ₹100). ~1,000 pts/month. Partner/category bonuses not included.
Fee waiver conditions unclear — verify
Forex cost ~₹1,250 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

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

2 sources agree · verify issuer terms before applying

Where to verify

Operator-verified anchor
CardInsider
International (cardholder): 2 per year — via Axis Bank lounge programme · verified 7 Jul 2026

2 sources agree · verify issuer terms before applying

Where to verify

Operator-verified anchor
CardInsider
Axis domestic lounge program: Axis domestic lounge program

Rewards

Base earn: 2 pts / ₹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
Interest-free period: Up to 50 days · verified 7 Jul 2026

International Use

Forex markup: 2.5%

4 sources agree · verify issuer terms before applying

Where to verify

CardInsider
PaisaBazaar
BankBazaar
Operator-verified anchor
Issuer site (verify current terms) (opens in new tab)
Product tier: Premium