AXIS
Axis Bank IndiGo Credit Card
Good fit when rewards, fees, and forex fit your spend pattern — ₹799 annual fee.
Top reasons to choose this card
- 4 domestic lounge visits, spend-gated
What you'd do with it
- Works when a ₹799 annual fee is acceptable for the accelerated earn rates.
- Limited lounge access 1 per quarter domestic lounge
Annual fee ₹799 per year
Forex markup 3.5% high
Lounge access 1 per quarter
Rewards / ₹100 3 pts up to · ₹100 on Indigo
The catch Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months. Domestic lounge cap is 4 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 · fitFast facts
- Annual fee
- ₹799 lower than 61 of 112 cards
- Joining fee
- ₹799
- Forex markup
- 3.5% the standard rate (matches 66 cards)
- Lounge access
- 1 per quarter domestic lounge
- Reward rate
- Up to 3 pts / ₹100 on Indigo
Fit data not yet captured for this card.
Still worth it?
Evidence-backed snapshotGood fit if
- Annual fee is relatively low at ₹799.
- 1 per quarter domestic lounge
Verify before applying
- Annual fee known
- Waiver condition missing
- Forex markup known
- 1 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: 1 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 1 points per ₹100. 2x Grocery Dining applies up to ₹37,500 per statement, then 1 points per ₹100 applies. Still verify excluded categories, redemption rules, and point value.
Next best move
Compare with HDFC Bank Millennia 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. Cards under ₹1,000 annual fee Lower-fee options in the current snapshot.
Is this good for lounge access?
1 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 3.5%, 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 (1,200 pts). Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Lounge access spend gate₹50,000period not specifiedLounge eligibilitytrivialstrong
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
- Reward value is not fully resolved in the current snapshot.
Reward reality
Point value · limits · exclusionsPoint valueNot published by issuer — varies by redemption
Base earn1 points per ₹100
Best verified laneIndigo3 pts / ₹100
Limits/capsGrocery Dining: up to ₹37,500 per statement; excess not counted unless source allows fallback
Reward rules
Structured earn rates · eligibility · caps when they bindScopeRateEligibilityLimit
Indigo3 pts / ₹100——
Grocery Dining2 pts / ₹100—up to ₹37,500 per statement; excess not counted unless source allows fallback
General spend1 pt / ₹100——
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Estimated using base earn (1 pt / ₹100). ~500 pts/month. Partner/category bonuses not included.
- Fee waiver conditions unclear — verify
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- 1 per quarter — via Axis Bank lounge programme · verified 7 Jul 2026 Condition: ₹50,000 spend in the previous 3 calendar months
3 sources agree · verify issuer terms before applying
Where to verify
- PaisaBazaar
- CardInsider
- Operator-verified anchor
- International (cardholder)
- Not included International details not available.
3 sources agree · verify issuer terms before applying
Where to verify
- PaisaBazaar
- CardInsider
- Operator-verified anchor
- Axis domestic lounge program
- Axis domestic lounge program
- IndiGo Axis retail customer T&C
- IndiGo Axis retail customer T&C
Rewards
- Base earn
- 1 pt / ₹100 value depends on redemption
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹799
- Joining fee
- ₹799 · verified 7 Jul 2026
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 3.5%
2 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- Operator-verified anchor
- Issuer site (verify current terms) (opens in new tab)
- Product tier
- Mid-tier
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹4,000.
- Maximum waiver ₹400 per statement cycle.
Annual fee break-even math
When does this card pay for itselfAnnual fee is ₹799 and a clean break-even threshold is not clearly specified in the current snapshot.
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · sources · last refresh- Statement cycle cap: 750 RP per statement · Grocery Dining
- Annual fee: ₹799.
- Forex markup currently listed at 3.5%.
- 1 per quarter domestic lounge.