IndiGo Axis Bank Credit Card
An IndiGo co-branded card earning IndiGo BluChips: 3 per ₹100 on IndiGo, 2 per ₹100 on groceries and dining, 1 elsewhere; currently offered lifetime free, though its terms say BluChips and vouchers are issued only when the card fee is paid, and Axis Bank gives BluChips no rupee value. Every figure below is copied from Axis Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Product page |
| Lifetime free is a limited-period offer for applications from 1 September to 31 October 2026; the standard fee in the terms and the MITC is ₹799 + GST a year. | |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| Groceries and dining (by merchant category) | 2 points per ₹100 Terms | no cap on record |
| UPI payments with the card (base rate, BluChips capped at 750 a statement month) | 1 point per ₹100 Terms | up to 750 points a month Terms |
| All other eligible spends | 1 point per ₹100 Terms | no cap on record |
BluChips go to the cardholder's IndiGo BluChip account; their redemption value is set by IndiGo, and Axis Bank says they hold no monetary value, so CardWise cannot price them. UPI earnings across base and grocery and dining are capped together at 750 BluChips a statement month (IndiGo spends are not capped).
No rewards on
- Government, insurance, utilities and telecom, rent, wallet loads and fuel (also jewellery, tolls, gift cards, EMI and cash) Terms
Benefits
- Lounges: 1 complimentary domestic airport lounge visit a quarter — ₹50,000 of spend in the preceding 3 months Product page
- Welcome: Activation voucher of 1,200 IndiGo BluChips on spends of more than ₹1,500 in the first 30 days, for lifetime-free cards applied for from 1 September to 31 October 2026 Terms
- Welcome: Welcome voucher of 1,200 IndiGo BluChips on payment of the joining fee (not for lifetime-free or first-year-free cards) Product page
- Milestone: Voucher worth 1,200 IndiGo BluChips at ₹1.5 lakh of spend in a card anniversary year (the terms limit milestone vouchers to fee-paying cards) Product page
- Milestone: Another voucher worth 1,200 IndiGo BluChips at ₹3 lakh of spend in a card anniversary year (the terms limit milestone vouchers to fee-paying cards) Product page
Also on this card
Quoted from Axis Bank; not counted in the net value.
- 3 IndiGo BluChips per ₹100 on IndiGo flights and other IndiGo channels Terms
- 1,200 BluChip vouchers at ₹1.5 lakh and ₹3 lakh of yearly spend Product page
- 1 domestic airport lounge visit a quarter with ₹50,000 of spend in the previous 3 months Product page
- Pays by UPI as a RuPay card (BluChips on UPI capped at 750 a month) Terms
Eligibility
- Primary cardholder aged 18 or above Product page
- Primary cardholder aged 70 or below Product page
- Resident of India Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Axis Bank in the documents read
- a rupee value for IndiGo BluChips (Axis Bank says they hold no monetary value; IndiGo sets their redemption value)
- a fuel surcharge waiver
- an income requirement
Where Axis Bank’s documents differ, and what is used
- Accelerated rate: Axis Bank's listing says 'up to 2 IndiGo BluChips per ₹100 on IndiGo channels, Grocery & Dining'; the product page and terms give 3 per ₹100 on IndiGo channels and 2 on groceries and dining.
Documents that disagree
- Fee and earning: the card is offered lifetime free until 31 October 2026, but the terms (base and accelerated earn, clause ix) say BluChips are issued only if the fee is paid for the card anniversary year and not for lifetime-free or first-year-free customers; welcome, renewal and milestone vouchers carry the same condition, while the listing advertises milestone vouchers on the lifetime-free card.
Disputed figures are not used as if they were certain.
The quotes behind the figures
27 figures, each copied from an official Axis Bank document.
Show every quote and source
“Joining/Annual Fee ₹NIL (Limited period offer)”
“Foreign currency transactions 3.50% of Transaction value on International Transactions”
“Card Member will earn 2 IndiGo BluChips for every Rs.100 spent on all Grocery & Dining categories”
“Earn 2 IndiGo BluChips on every ₹100 spent on groceries and dining.”
“Card Member will earn 1 IndiGo BluChip for every Rs.100 spent on all eligible non-accelerated categories”
“Earns from CC on UPI spends are capped at 750 IndiGo BluChips per statement month (excluding IndiGo channel spends)”
“Earn 1 IndiGo BluChip on every ₹100 spent on all eligible categories.”
“The following MCCs (Merchant Category Codes) will not be eligible for earning IndiGo BluChips: i. Government services ii. Insurance services iii. Utility Services (Including telecom) iv. Rental payments v. Wallet vi. Fuel vii. Jewelry”
“Your IndiGo Axis Credit Card awaits you! Check Eligibility”
“List of RuPay Credit Cards Below are popular RuPay Credit Card options available from Axis Bank in 2026.”
“There is a joining fee of INR 799+GST (“Joining Fee”) along with an annual card fee of INR 799 + GST (“Annual Card Fee”) to be levied on the Credit Card.”
“IndiGo BluChips are loyalty points and do not hold any monetary value.”
“Card Member will be eligible for 1 domestic lounge access per quarter”
“Voucher will be issued only if the customer has made spends of more than INR 1500 in the first 30 days of card issuance.”
“Lifetime free and First year free card members will not be eligible for Welcome/Renewal benefits vouchers.”
“IndiGo BluChips will be issued only if the fee is paid for the card anniversary year. Not applicable for Lifetime free & First Year free customers”
“Vouchers will be issued only if the fee is paid for the card anniversary year for which the milestone benefits are being provided. Not applicable for Lifetime free & First year free card members.”
“Enjoy 1 complimentary domestic airport lounge access per quarter (applicable on spends of ₹50,000 in the preceding 3 months).”
“Offer details: Card members will earn an Activation voucher of 1200 IndiGo BluChips on successfully achieving spends criteria Offer period: 1st September 2026 – 31st October 2026”
“Voucher worth 1,200 IndiGo BluChips as a welcome benefit on payment of the joining fee.”
“Voucher worth 1,200 IndiGo BluChips on achieving spends milestone of ₹1.5 Lakhs and again at ₹3 Lakhs cumulative annual spends.”
“Card Member will earn 3 IndiGo BluChips for every Rs.100 spent on all IndiGo Channels”
“Best Seller Travel UPI card Co-branded IndiGo Axis Bank Credit Card”
“Primary cardholder should be 18-70 years of age”
“Applicant should be a resident of India”
“Accelerated rewards up to 2 IndiGo BluChips per ₹100 on IndiGo channels, Grocery & Dining spends Joining Fee: ₹NIL Annual Fee: ₹NIL (This card is currently Lifetime Free) Know More Apply Now”
“Indigo Axis Bank Credit Card Welcome voucher worth 1200 IndiGo BluChips on Fee payment. Milestone Vouchers worth 1200 IndiGo BluChips on cumulative eligible spends of INR 1.5L & 3L in a card anniversary year”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Axis Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Axis Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology