Axis Bank IndiGo Premium credit card review: fees, rewards and eligibility
The Axis Bank IndiGo Premium has a recorded annual fee of ₹5,000 plus GST and a base earn of 2 BluChips per ₹100 on eligible spends. CardMasters checked its issuer terms on 2026-07-23. Affiliate commission never changes ranking; confirm final terms and approval with Axis Bank.
Axis Bank IndiGo Premium: short answer
The Axis Bank IndiGo Premium is in the mid tier of Axis Bank credit cards, with a joining fee of ₹5,000, an annual fee of ₹5,000 plus GST, a base earn of 2 BluChips per ₹100 on eligible spends and a 2.5% forex markup. Rewards are not earned on government, insurance, utilities, telecom, rent. It suits indigo flyers, domestic travel, 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 2026-07-23. Confirm final terms with the issuer.
Reward structure
2 BluChips per ₹100 on eligible spends
- 7 points per ₹100 on IndiGo channels (flights/website/app) — 7 BluChips per ₹100
- 3 points per ₹100 on grocery & hotels — 3 BluChips per ₹100
Eligibility and important limits
published monthly income floor ₹50,000 Approval remains solely at the issuer’s discretion.
Does not earn: government, insurance, utilities, telecom, rent, wallet load, fuel, jewellery.
Important limit: 1 Jun–31 Jul 2026: Axis doubles the welcome BluChips under a limited-period offer; standard welcome value remains 5,000 BluChips
Frequently asked questions
What is the annual fee for the Axis Bank IndiGo Premium?
The published annual fee in our current record is ₹5,000 plus applicable GST.
How do rewards work on the Axis Bank IndiGo Premium?
2 BluChips per ₹100 on eligible spends. Accelerated routes include 7 points per ₹100 on IndiGo channels (flights/website/app); 3 points per ₹100 on grocery & hotels. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the Axis Bank IndiGo Premium?
The current issuer-sourced exclusions recorded by CardMasters include government, insurance, utilities, telecom, rent, wallet load, fuel, jewellery. Merchant category coding and issuer terms determine final eligibility.
Who should consider the Axis Bank IndiGo Premium?
It is most relevant for people focused on indigo flyers, domestic travel, travel. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the Axis Bank IndiGo Premium worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹5,000 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 Premium?
The published monthly income floor is ₹50,000. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the Axis Bank IndiGo Premium?
The recorded foreign-currency markup is 2.5% before GST. On ₹1,00,000 of international spend that is about ₹2,500 in markup, so compare it against any rewards earned on overseas transactions.
Does the Axis Bank IndiGo Premium offer airport lounge access?
Domestic lounge access: 8/yr (2/quarter on ₹50k spend in prior 3 months). International lounge access: 2/yr (Priority Pass). Spend conditions and guest charges are set by the issuer and can change.