IndiGo Axis Bank Credit Card

Lounge access

• 1 complimentary domestic airport lounge access per quarter, subject to minimum eligible spend of ₹50,000 in the previous 3 calendar months (spend criteria waived for month of card issuance plus following 3 calendar months for newly issued card).
• No complimentary international lounge access.

Verified · Terms & Conditions – IndiGo Axis Bank Credit Card (Base Variant) · 2026-08-03 · source

Forex markup

Foreign Transaction Fee: 3.5% of transaction amount (applies to all other credit cards including IndiGo Axis Bank Credit Card).

Verified · Key Fact Statement / Schedule of Charges – Axis Bank Credit Cards (covers IndiGo variant) · 2026-08-03 · source

Charge

• Interest Rate: 55.55% p.a. (3.75% per month).
• Cash Withdrawal Fee: 2.5% of cash amount (min ₹500).
• Cash Withdrawal Limit: 30% of credit limit.
• Dynamic Currency Conversion markup: 1.5% of transaction amount.
• Rent Transaction fee: 1% of each rental transaction.
• Education Transaction Fee: 1% on education payments via third party apps.
• Wallet Load Transaction Fee: 1% on cumulative wallet loads of ₹10,000+ per statement cycle.
• Fuel Transaction Fee: 1% on cumulative fuel spends of ₹50,000+ per statement cycle.
• Utility Transaction Fee: 1% on cumulative utility spends of ₹25,000+ per statement cycle.
• Online Skill-Based Gaming Transaction Fee: 1% on cumulative spends of ₹10,000+ per statement cycle.
• Late Payment Fees: Nil (<₹500), ₹500 (₹501-5000), ₹750 (₹5001-10,000), ₹1,200 (>₹10,000), plus additional ₹100 on missing MAD for two consecutive cycles.
• Over-limit Fees: 2.5% of over-limit amount (min ₹500).
• Fees for Cash Payment at Branches: ₹175.
• Cheque Return/Dishonour/Auto Debit Reversal: 2% of payment amount (min ₹500).
• All charges exclusive of GST.

Verified · Key Fact Statement / Schedule of Charges – Axis Bank Credit Cards (covers IndiGo variant) · 2026-08-03 · source

Interest-free period

Interest-free grace period ranging from 20 to 50 days, depending on the date of transaction.

Verified · Key Fact Statement / Schedule of Charges – Axis Bank Credit Cards (covers IndiGo variant) · 2026-08-03 · source

Reward cap

• IndiGo BluChips earned from Credit Card on UPI spends are capped at 750 IndiGo BluChips per statement month (across base and accelerated Grocery & Dining categories combined).
• IndiGo channel spends remain uncapped.

Verified · Terms & Conditions – IndiGo Axis Bank Credit Card (Base Variant) · 2026-08-03 · source

Reward exclusion

Verified · Terms & Conditions – IndiGo Axis Bank Credit Card (Base Variant) · 2026-08-03 · source

Transfer rule

• IndiGo BluChips are IndiGo's loyalty points and are credited to the customer's IndiGo BluChip account within 30 working days from the statement generation date each billing cycle.
• Accrual is based on the INR value of the transaction regardless of currency.
• BluChips do not hold monetary value and are non-transferable except as permitted under IndiGo BluChip Program T&Cs.

Verified · Terms & Conditions – IndiGo Axis Bank Credit Card (Base Variant) · 2026-08-03 · source

Eligibility

• A Co-Branded Card is only issued to individuals who are Members of the IndiGo BluChip Program.
• Non-Members are enrolled in the program (with consent) when applying, using a unique combination of email address and mobile number authenticated at application.

Verified · Terms & Conditions – IndiGo Axis Bank Credit Card (Base Variant) · 2026-08-03 · source

Official terms

https://www.axis.bank.in/cards/credit-card/indigo-axis-bank-credit-card.

Verified · IndiGo Axis Bank Credit Card product page · 2026-08-03 · source