Credit Card Compare

IndiGo Axis Bank Credit Card

Data last updated 25 October 2026
45.00%
Purchase rate
₹0
Annual fee
1,200
Bonus points

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Application

CardIQ

38Basic

Basic

Overall score, out of 100 · How this works

  • Airport lounge37
  • Lifetime free59
  • Rewards29
  • Sign-up bonus19
  • Travel48

Customer reviews

No reviews yet. Be the first to review the IndiGo Axis Bank Credit Card.

Pros & cons

What's good

  • 1,200 bonus points to start, worth around ₹300 at our ₹0.25-per-point valuation.
  • No annual fee.
  • Complimentary airport lounge access (4 visits a year).
  • Earns 3 IndiGo BluChips per ₹100 on bonus categories.
  • No fee to add an additional cardholder.

Worth noting

  • The annual fee increases from ₹0 to ₹799 in the second year.
  • Earns 1 IndiGo BluChip per ₹100 on everyday spend, below the dataset average.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
IndiGo BluChips

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
Not specified
Residency
India
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
No annual fee
Annual fee (year 2+)
₹799 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
2% of remaining balance outstanding plus all instalments, fees, interest/finance charges, taxes, and over-limit amount

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
1 IndiGo BluChip per ₹100
Bonus categories
3 IndiGo BluChips per ₹100 in bonus categories
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
1,200 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days50 daysTop 10% (8th of 73 cards)
Purchase rate45.00%Top 25% (21st of 91 cards)
Overseas fee3.50%Better than most (33rd of 91 cards)
Annual fee₹799 a yearMiddle of the market (52nd of 91 cards)
Rewards value₹1,350 a yearNot as good as most cards (42nd of 61 cards)
Sign-up bonus₹300Not as good as most cards (28th of 37 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
Axis Bank