Axis Bank IndiGo credit card review: fees, rewards and eligibility
The Axis Bank IndiGo has a recorded annual fee of ₹799 plus GST and a base earn of 1 IndiGo BluChip per ₹100 on eligible spends. CardMasters checked its issuer terms on 2026-07-26. Affiliate commission never changes ranking; confirm final terms and approval with Axis Bank.
Axis Bank IndiGo: short answer
The Axis Bank IndiGo is in the entry tier of Axis Bank credit cards, with a joining fee of ₹799, an annual fee of ₹799 plus GST, a base earn of 1 IndiGo BluChip per ₹100 on eligible spends and a 3.5% forex markup. Rewards are not earned on government, insurance, utilities, telecom, rent. It suits indigo flyers, domestic travel spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-07-26. Confirm final terms with the issuer.
Reward structure
1 IndiGo BluChip per ₹100 on eligible spends
- 3 points per ₹100 on IndiGo channels (flights/website/app) — 3 BluChips per ₹100
- 2 points per ₹100 on grocery & dining — 2 BluChips per ₹100
Eligibility and important limits
published monthly income floor ₹25,000 Approval remains solely at the issuer’s discretion.
Does not earn: government, insurance, utilities, telecom, rent, wallet load, fuel, jewellery, emi, cash advance, fees.
Important limit: 1 Jun–31 Jul 2026: Axis doubles the standard welcome voucher under a limited-period offer; recurring value uses the standard benefit
Frequently asked questions
What is the annual fee for the Axis Bank IndiGo?
The published annual fee in our current record is ₹799 plus applicable GST.
How do rewards work on the Axis Bank IndiGo?
1 IndiGo BluChip per ₹100 on eligible spends. Accelerated routes include 3 points per ₹100 on IndiGo channels (flights/website/app); 2 points per ₹100 on grocery & dining. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the Axis Bank IndiGo?
The current issuer-sourced exclusions recorded by CardMasters include government, insurance, utilities, telecom, rent, wallet load, fuel, jewellery, emi, cash advance, fees. Merchant category coding and issuer terms determine final eligibility.
Who should consider the Axis Bank IndiGo?
It is most relevant for people focused on indigo flyers, domestic travel. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the Axis Bank IndiGo worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹799 plus GST each year. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the Axis Bank IndiGo?
The published monthly income floor is ₹25,000. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the Axis Bank IndiGo?
The recorded foreign-currency markup is 3.5% before GST. On ₹1,00,000 of international spend that is about ₹3,500 in markup, so compare it against any rewards earned on overseas transactions.
Does the Axis Bank IndiGo offer airport lounge access?
Domestic lounge access: 4/yr (1/quarter on ₹50k spend in prior 3 months). International lounge access: none. Spend conditions and guest charges are set by the issuer and can change.