IndiGo Axis Bank Credit Card

Joining fee

₹0NIL (Limited period offer)

Annual fee

No annual fee under the bank's current offer.

Add-on card fee

₹0

Welcome benefit

Voucher worth 1,200 IndiGo BluChips as a welcome benefit on payment of the joining fee.

Reward rate

1 IndiGo BluChip per ₹100 · everyday spendsEarn 1 IndiGo BluChip on every ₹100 spent on all eligible categories.

Reward earning on dining spends

Earn 2 IndiGo BluChips on every ₹100 spent on groceries and dining.

Travel earning

Earn 3 IndiGo BluChips on every ₹100 spent on all IndiGo channels.

Domestic lounge access

Enjoy 1 complimentary domestic airport lounge access per quarter (applicable on spends of ₹50,000 in the preceding 3 months).

Milestone benefits

Voucher worth 1,200 IndiGo BluChips on achieving spends milestone of ₹1.5 Lakhs and again at ₹3 Lakhs cumulative annual spends.

Renewal benefit

Voucher worth 1,200 IndiGo BluChips every year as a renewal benefit on payment of the annual fee.

Purchase to EMI conversion

Transactions exceeding ₹1500 can be converted into EMIs by contacting the Bank.

Forex markup

3.5% on foreign currency transactions.3.50% of Transaction value on International Transactions

Dynamic currency conversion markup

3.5%3.5% surcharge on DCC transactions

Cash advance fee

2.5% of Transaction (Minimum ₹500)

Interest on unpaid balance

3.75% per month (55.55% per annum)

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

Nil if Total Payment Due is less than ₹500; ₹500 if total payment due is between ₹501 - ₹5,000; ₹750 if total payment due is between ₹5,001 - ₹10,000; ₹1200 if total payment due is between ₹10,001 - ₹50,000; ₹1300 if total payment due is greater than ₹50,000.

Over-limit fee

2.5% of the over limit amount, minimum ₹500

Payment return or dishonour fee

2% of the payment amount, minimum ₹500, as the returned payment charge for a cheque, ECS, ACH or SI bounce

Statement or duplicate statement fee

Nil for a statement request beyond 3 months.

Card replacement fee

Nil to reissue a lost, stolen or damaged card.

Cash payment / cash deposit fee

₹175 per payment transaction for cash payment at branches (daily limit for cash payment is ₹50,000)

Cheque payment / dishonour fee

Outstation cheque fee: Waived

Education / school fee charge

1% transaction fee on education payments made via third-party apps such as CRED, PayTM, Cheq and Mobikwik.

Fee on online skill-based gaming spends

1% fee on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement cycle.

Wallet load charge

1% fee on cumulative wallet loads of ₹10,000 or more within a statement period

What the card's fee or benefit year means

Anniversary Year is the period of 12 months from the date of issuance of the card and every 12-month period thereafter

Fuel transaction fee

1% fee on cumulative fuel spends of ₹50,000 or more within a statement period

Rent transaction fee

1% transaction fee (uncapped) on rent, MCC 6513.

Utility transaction fee

1% fee on cumulative utility spends of ₹25000 or more within a statement period

GST note

GST, as notified by the Government of India, is applicable on all fees, interest and other charges, and is subject to change as per relevant regulations of the Government of India

Grace days after the due date

Grace period of 3 days from the payment due date, where payments are not overdue; the customer must clear dues by the payment due date mentioned in the credit card Statement.

Minimum amount due

Sum of all instalments, all Fees, interest / finance charges, taxes, the amount utilized over the credit limit (if any) and 2% of remaining balance outstanding, subject to a minimum of ₹100

Minimum age

Primary cardholder should be 18-70 years of age.

Documents required

PAN card photocopy; proof of income (latest payslip, Form 16 or IT return); resident proof (driver’s license, electricity bill or landline telephone bill)

Residency

Applicant should be a resident of India.