Credit Card Compare

IndiGo Axis Bank Premium Credit Card

Data last updated 25 October 2026
55.55%
Purchase rate
₹5,000
Annual fee
5,000
Bonus points

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Application

CardIQ

26Basic

Basic

Overall score, out of 100 · How this works

  • Airport lounge26
  • Rewards20
  • Sign-up bonus17
  • Travel40

Customer reviews

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

Pros & cons

What's good

  • 5,000 bonus points to start, worth around ₹1,250 at our ₹0.25-per-point valuation.
  • Complimentary airport lounge access (2 visits a year).
  • Earns 7 IndiGo BluChips per ₹100 on bonus categories.
  • No fee to add an additional cardholder.

Worth noting

  • Joining fee ₹5,000 + GST; Annual fee ₹5,000 + GST from second year. No spend-based waiver mentioned. GST is additional and not included in stated fee. The ₹5,000 annual fee is still toward the top of the market (the median is ₹749).
  • The 55.55% p.a. purchase rate sits in the most expensive quarter of cards (the median is 45% p.a.) if you carry a balance.
  • Earns 2 IndiGo BluChips per ₹100 on everyday spend, around the dataset average.
  • Requires a minimum income of ₹6,00,000 a year.

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
₹6,00,000 p.a.
Residency
Applicant should be a resident of India
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
55.55% p.a.
Purchases
55.55% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹5,000 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
2.5%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
MAD is computed as the 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.

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
2 IndiGo BluChips per ₹100
Bonus categories
7 IndiGo BluChips per ₹100 in bonus categories
Other purchases
None
Overseas spend
2 IndiGo BluChips per ₹100 on overseas spend
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
Vouchers valid for 6 months from date of issuance; BluChips validity governed by IndiGo BluChip Programme T&Cs.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
5,000 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)
Sign-up bonus₹1,250Better than most (12th of 37 cards)
Rewards value₹2,700 a yearBetter than most (21st of 61 cards)
Overseas fee2.50%Better than most (32nd of 91 cards)
Annual fee₹5,000 a yearAmong the most expensive (78th of 91 cards)
Purchase rate55.55%Among the weakest we track (82nd of 91 cards)

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

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Sources

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