Key features
- Co-branded travel card built around IndiGo's BluChip loyalty currency
- 3 IndiGo BluChips per ₹100 on IndiGo spends, 2 per ₹100 on grocery and dining, 1 per ₹100 on all other eligible spends
- 1 BluChip is worth roughly ₹0.50 in IndiGo fare value, varying with demand-based pricing
- 1,200 BluChip welcome voucher on the joining fee, renewed with each annual fee payment
- Milestone BluChips of 1,200 at ₹1,50,000 and a further 1,200 at ₹3,00,000 of annual spends
- 1 complimentary domestic airport lounge visit per quarter on ₹50,000 of prior-quarter spend
- Available on both Visa and RuPay networks; the RuPay variant supports UPI credit-card payments on third-party apps
- 3.5% foreign currency markup; not suited to international spending
- ₹799 plus GST joining and annual fee with no published spend-based waiver
Rewards
| Category | Rate | Detail |
|---|---|---|
| IndiGo spends | 3× | 3 IndiGo BluChips per ₹100 on IndiGo fares, add-ons, and 6E services |
| Grocery & dining | 2× | 2 IndiGo BluChips per ₹100 on grocery and dining spends |
| Default earn rate | 1× | All other eligible retail spends |
| Welcome bonus: 1,200 IndiGo BluChips voucher on payment of the joining fee, renewed with another 1,200 BluChips on each annual fee payment | ||
Fees
| Joining fee | ₹799 |
| Annual fee | ₹799 |
Lounge access
Eligibility
Frequently asked questions
Is the IndiGo Axis Bank Credit Card worth the ₹799 fee?
For regular IndiGo flyers, yes. The 1,200 BluChip welcome voucher issued on the fee is worth roughly ₹600 in fare value, and the accelerated 3 BluChips per ₹100 on IndiGo spends plus milestone rewards push it net-positive. For people who rarely fly IndiGo, the thin 0.5% base earn makes it hard to justify.
What is a BluChip worth on the IndiGo Axis card?
Roughly ₹0.50 in IndiGo fare value on popular routes, though it varies with demand-based pricing. BluChips are best redeemed against IndiGo tickets; they are not a flexible points currency you can spend freely elsewhere.
Does the IndiGo Axis card offer lounge access?
Yes, one complimentary domestic airport lounge visit per calendar quarter, available after spending ₹50,000 in the preceding three months. It does not include international lounge access; the premium variant adds Priority Pass for that.
Visa or RuPay: which variant should I pick?
Both networks are offered. RuPay lets you link the card to UPI apps for credit-card payments, which is useful for everyday spends; Visa has wider international acceptance. Pick RuPay if UPI spending matters to you, Visa if you travel abroad.
Ready to apply for the IndiGo Axis Bank Credit Card?
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