AXIS

Axis Bank IndiGo Credit Card

Good fit when rewards, fees, and forex fit your spend pattern.

Should you get this?

Conditional fit

Some details need issuer confirmation

Why this card

  • Up to 3 pts / ₹100 on Indigo
  • You spend on indigo.
  • 1 per quarter domestic lounge.
Issuer evidence · 5 sources →

Trade-off

Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months. Verify current lounge eligibility before travel.

Annual fee ₹799 per year
Rewards 1 pt / ₹100
Lounge access 1 per quarter · ₹50,000 spend in the previous 3 calendar months
Forex markup 3.5% high
Compare with HDFC Bank Millennia →

Similar tier comparison

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend1 pt / ₹100Credited as reward points—
Indigo3 pts / ₹100Credited as reward points—
Grocery Dining2 pts / ₹100Credited as reward points750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend

Annual fee in context

Annual fee is ₹799. 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 get

Eligible spend

1 points per ₹100 on eligible spend

Point value

Not published by issuer — varies by redemption

Caps

  • Grocery Dining750 points per statement cycle
    Why?

    at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend

View full earning rules →

Realisation

Credited as reward points

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Domestic lounge spend gate₹50,000quarterLounge eligibility

Watch outs

Before choosing this card
  • Forex markup is 3.5%, so frequent international spends may be costly.
  • Reward point value isn't clearly documented yet, so overall returns may vary.

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Based on the standard earn rate (1 pt / ₹100). Up to ~500 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 ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts
Benefits

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

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
  • PaisaBazaar
  • CardInsider
  • BankBazaar
  • Operator-verified anchor
International (cardholder)
No international lounge entitlement documented by the issuer Absence of an international claim is not proof of exclusion. Confirm with the issuer or network programme.

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
  • PaisaBazaar
  • CardInsider
  • BankBazaar
  • Operator-verified anchor
Axis domestic lounge program , opens external site
IndiGo Axis retail customer T&C , opens external site

Rewards

Base earn
1 points per ₹100 value depends on redemption
Fees & charges

Fees

Monthly interest rate
3.75% / month
Annual fee
₹799
Joining fee
₹799 · verified 7 Jul 2026
Annual-fee waiver
Not offered
Interest-free period
Up to 50 days · verified 7 Jul 2026

International Use

Forex markup
3.5%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
Product tier
Mid-tier

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 benefits
SIDE BY SIDE
Axis Bank IndiGo
vs
HDFC Bank Millennia
SIDE BY SIDE
Axis Bank IndiGo
vs
HSBC India Live+
SIDE BY SIDE
Axis Bank IndiGo
vs
ICICI Bank Coral RuPay
SIDE BY SIDE
Axis Bank IndiGo
vs
ICICI Bank Coral Visa

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • Grocery Dining cap: 750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend.

Latest update

  • Annual fee: ₹799.
  • Forex markup currently listed at 3.5%.
  • 1 per quarter domestic lounge · ₹50,000 spend in the previous 3 calendar months.

Common questions

From verified card facts

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?

₹799 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 (1,200 pts) — renewal. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

Guides matched to this card — not a random syllabus.

All guides →
Last refreshed 30 Aug 2026 moneymatters.cards Change look saved in this browser only
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

Money Matters is an independent comparison and information service. It is not affiliated with, sponsored by, or endorsed by any bank or card issuer. Card and issuer names are trademarks of their respective owners and are used here only to identify the products being compared.