If IndiGo is your usual airline, the Axis IndiGo RuPay Credit Card lets your everyday spending pay for future flights. It earns IndiGo BluChips, the airline’s loyalty currency, on every eligible spend, with 3 BluChips per ₹100 on IndiGo bookings. Better still, it is lifetime free for applications until 30 October 2026.
How you earn BluChips
| Where you spend | BluChips earned |
|---|---|
| IndiGo website and app bookings | 3 BluChips per ₹100 |
| Accelerated categories | 2 BluChips per ₹100 |
| Other eligible spends | 1 BluChip per ₹100 |
Good to know: check Axis Bank’s site for the exact list of categories that earn 2 BluChips per ₹100, as the offer data does not spell them out.
Welcome and milestone bonuses
| Trigger | Bonus |
|---|---|
| ₹1,500 spend within 30 days of issuance | 1,200 BluChips |
| ₹1.5 lakh cumulative spend in a card year | 1,200 BluChips voucher |
| ₹3 lakh cumulative spend in a card year | Another 1,200 BluChips voucher |
What you would actually earn
Spend ₹25,000 a month, including ₹3,000 on IndiGo flights. The flights earn 90 BluChips and the other ₹22,000 earns at least 220, so roughly 310 BluChips a month, or 3,700 a year. Your ₹3 lakh annual spend also unlocks both milestone vouchers (2,400 BluChips), and the welcome bonus adds 1,200 in year one: over 7,000 BluChips in the first year, from a card with no fee.
Lounge access
You get 4 domestic airport lounge visits a year, capped at 1 per quarter, when you have spent ₹50,000 in the preceding 3 months.
As a RuPay card, it can also be linked to UPI apps, so small payments at local shops can count towards your BluChips and milestones.
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Offer validity | Lifetime free for applications until 30 Oct 2026 |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹25,000 a month or more |
| Income (self-employed) | ITR above ₹3.6 lakh a year |
| Credit score | 735 or above |
| First credit card? | Not allowed |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
- Photo: a recent passport-size photograph
How to apply
- Tap Apply on Axis Bank site on this page to open the official application form.
- Fill in the form in one go, using the mobile number linked to your Aadhaar.
- If your home and office are 150 km or more apart, choose your residence as the mailing address to avoid rejection.
- Complete video KYC when prompted, from your current address.
- Once the card arrives, make a first transaction (₹100 or more) within 30 days to activate it.
Who should get it, and who shouldn’t
Get it if you fly IndiGo a few times a year and want a free card that builds BluChips towards your next booking. Apply before 30 October 2026 to lock in the lifetime free offer.
Skip it if you rarely fly or prefer other airlines. BluChips are only useful with IndiGo, and a cashback card would give you more flexible value.
