The Axis Bank is out again with all guns blazing. It has recently launched two co-branded credit cards surprisingly in collaboration with SpiceJet namely SpiceJet Voyage and SpiceJet Voyage Black. Axis Bank and SpiceJet is a deadly combination as customer service of both of them is really poor.
The general buzz about this card is not that great due to another Axis bank debacle of crediting lower cashbacks with their recently launched Axis Airtel Credit Card. Here is a detailed overview of both the cards with my recommendation in the end of the article.
Contents
Axis Bank SpiceJet Voyage Black Credit Card
Voyage Black is the premium version of the twin SpiceJet cards.
| Joining Fees | ₹2000 + GST |
| Welcome Benefits | ₹4000 worth of SpiceJet flight voucher. |
| Renewal Fees | ₹2000 + GST |
| Renewal Benefits | 2000 SpiceClub Points ~ ₹1000 |
- Cardholders shall have to complete 2 transactions within 30 days of card approval to be eligible for the aforementioned e-voucher.
- Cardholders will receive the voucher within 7 working days post-meeting the eligibility criteria and will have 1-year expiry.
Joining fee is well compensated with the welcome voucher but annual fees is not being justified by giving half the value worth of SpiceClub points.
Reward Points Accrual/Redemption
| Spends Area | Earning Rate | Reward Rate |
| SpiceJet Mobile Application & Website | 28 SpiceClub Points/₹200 Spends | 7% |
| Online utility payments, Online food delivery, and Online entertainment | 12 SpiceClub Points/₹200 Spends | 3% |
| All other spends* | 6 SpiceClub Points/₹200 Spends | 1.5% |
- *Except fuel, wallet and EMI spends.
- 1 SpiceClub Point = 50p for redemption.
- SC Points earned for the purchases during the current billing cycle will be credited to the member’s SpiceClub account within 3 working days post the statement generation date.
- There is a ₹1Lakh capping on spending done on SpiceJet portals to be eligible for points but I wonder who would be able to reach this threshold, especially for an airline like SpiceJet.
Reward rates are really very poor for general spends if you think from the view that they can only be redeemed for travel. Even if you are a frequent flier then booking a SpiceJet flight from a OTA will give you better rewards.
Milestone Benefits
| Spending Amount | Milestone Reward |
| ₹2 Lakh | 4000 SpiceClub Points |
| ₹4 Lakh | 6000 SpiceClub Points |
The milestone benefit does jack ups the rate nearly by 1% but even after that reward rate is too poor.
Complimentary SpiceClub Golden Tier Membership
Cardholder gets a complimentary SpiceClub Golden Tier Membership with a host of benefits.
- YOU 1st priority check-in.
- 20% discount on meals & upgrades.
- Free Seat Selection.
- 2 SpiceMax Upgrade Vouchers.
- 2 Complimentary Meal Vouchers.
- 1 Free Change/Cancellation Voucher.
Lounge Access
- 2 Complimentary Visits/Quarter to Domestic Airport lounges.
- No shared access for add-on cardholders.
Fuel Surcharge Waiver
1% fuel surcharge waiver of up to ₹400 per statement cycle, across all fuel stations in India. GST on fuel surcharge will be non-refundable.
Eligibility
For Salaried Indian National
Age: Min 18 years & Max 70 Years,
No mention of income criteria on the Axis Bank website for this card.
Axis Bank SpiceJet Voyage Credit Card
| Joining Fees | ₹750 + GST |
| Welcome Benefits | ₹1500 worth of SpiceJet flight voucher. |
| Renewal Fees | ₹750 + GST |
| Renewal Benefits | 1000 SpiceClub Points ~ ₹500 |
- Cardholders shall have to complete 2 transactions within 30 days of card approval to be eligible for the aforementioned e-voucher.
- Cardholders will receive the voucher within 7 working days post-meeting the eligibility criteria and will have 1-year expiry.
Again for this card also joining fees is well compensated but paying the annual fees make no sense.
Reward Points Accrual/Redemption
| Spends Area | Earning Rate | Reward Rate |
| SpiceJet Mobile Application & Website | 18 SpiceClub Points/₹200 Spends | 4.5% |
| Online utility payments, Online food delivery, and Online entertainment | 6 SpiceClub Points/₹200 Spends | 1.5% |
| All other spends* | 3 SpiceClub Points/₹200 Spends | 0.75% |
- *Except fuel, wallet and EMI spends.
- 1 SpiceClub Point = 50p for redemption.
- SC Points earned for the purchases during the current billing cycle will be credited to the member’s SpiceClub account within 3 working days post the statement generation date.
- There is a ₹1Lakh capping on spending done on SpiceJet portals to be eligible for points for this card also.
Again a dismal reward rate across the spending areas and milestone benefits also make no sense.
Milestone Benefits
| Spending Amount | Milestone Reward |
| ₹1 Lakh | 2000 SpiceClub Points |
| ₹2 Lakh | 3000 SpiceClub Points |
Even if you will be able to hit the milestone then also reward rate remains poor.
Complimentary SpiceClub Silver Tier Membership
- YOU 1st priority check-in.
- 20% discount on meals & upgrades.
Lounge Access
- 1 Complimentary Visit/Quarter to Domestic Airport lounges.
- No shared access for add-on cardholders.
Fuel Surcharge Waiver
1% fuel surcharge waiver of up to ₹400 per statement cycle, across all fuel stations in India. GST on fuel surcharge will be non-refundable.
Eligibility
For Salaried Indian National
Age: Min 18 years & Max 70 Years,
No mention of income criteria on the Axis Bank website for this card.
TechnoFino Recommends
The reward rates on both the cards are too poor for any recommendations. Even for spends on SpiceJet the reward rate is extremely poor. For online bill payments, food delivery, online entertainement and everything else I therefore recommend using a cashback card like Axis Ace or Axis Flipkart and use the cashback earned to book tickets using OTAs which will give you added flexibility.
Every card issuer must apply a basic sense that you just can’t give a reward rate which is lower than cashback cards when redemption is limited only to flights. I mean it makes much more sense to get a flat cashback card then to get lower reward rate and going for a fixed travel redemption. Vistara has done it much better with Axis Vistara Infinite and SBI Vistara Prime.
Second main factor of avoiding this card is the brand SpiceJet. The SpiceClub membership is not that value driven as compared to Club Vistara plus since there are no business class seats in SpiceJet hence you can’t get an upgrade and fly business. So all in all its not the card for anyone who flies business class domestically.
Plus the SpiceMax program is really not upto the mark for the cost they ask for it. All you get is better leg room and first row seats in the aircraft plus the discipline related to priority check-in and boarding is hardly observed by ground staff for SpiceMax customers. Indigo is much better when it comes to services, VFM and customer care. So these SpiceJet cards are a big no from my side.
Are you still planning to take these Axis Bank Credit Cards? Feel free to share your thoughts in the comments below.
Chief Editor, TechnoFino.
Personal finance nerd! Physics enthusiast and trainer. When not into Physics, he is minting points and hunting for the next best credit card for himself.