Accurate Paisa
An annual earning scenario is available below. Redemption conditions and benefits outside that scenario still need confirmation.
Home/Credit cards/SpiceJet Voyage Black Credit Card
Axis BankTravelPremiumAnnual scenario availableOfficial listed

SpiceJet Voyage Black Credit Card

Review SpiceJet Voyage Black Credit Card fees, features, annual savings, missed-payment cost and alternatives using your own spending. The calculation shows both the rewards you may gain and repayment costs that can erase those gains.

Calculate my annual valueOfficial issuer source ↗
Calculation coverage & fees

Complete card facts

Calculation coverage

Annual scenario available
Standard renewal fee₹2,000 + GSTNo fee waiver required
Reward calculationAnnual earning availableUse the annual calculator for units, usable value and its conditions.
Benefits documented4 itemsBrand or partner conditions are mentioned; check the exact merchant and cap.
Payment-cost termsIssuer terms recordedInterest and late-fee inputs are card-specific.
Source checked31 August 2026This date records our catalogue check, not a guarantee that every offer remains live.
Redemption cautionRead the rulesPoints, miles, vouchers and cashback may have different rupee values, caps and expiry conditions.
Annual earning evidence & conditions

Annual scenario review · 2026-09-16

Annual earning model available

Only card-earned SpiceClub points are counted, not Gold membership points. Both the INR 200000 and INR 400000 milestones are included.

The annual calculator uses repeated eligible domestic spending and standard renewal fees. It shows the documented cash route, a clearly labelled reference estimate, or points with your selected redemption quote. Vistara projections stop at the programme closure date. This review does not certify every benefit, offer or account condition.

See this card’s annual result
Redemption evidence & open checks

Research coverage

What has been checked for this card?

Redemption evidence partial

We keep issuer research separate from the calculator so an unresolved cap, exclusion or redemption route can never become an invented rupee saving.

Valued redemption routes1Source-backed rupee values currently recorded.
Routes reviewed1Different redemption methods checked for this card.
Open issuer checks2These checks concern the listed redemption evidence; see the separate annual and purchase status before calculating.

Features & benefits

What this card can offer

These features come from the issuer information used for this card's automatic calculation profile. Check the calculation notes for restrictions and unresolved rules. Reward value may be limited to vouchers or travel rather than cash.

✦

28 points per ₹200 on SpiceJet

Gold-tier and card earnings together can deliver twenty-eight SpiceClub Points per ₹200 on eligible direct SpiceJet purchases.

✦

12 points on selected online categories

Eligible online food, bill-payment and entertainment purchases earn twelve SpiceClub Points per ₹200.

✦

6 points per ₹200 elsewhere

Other eligible retail and international purchases earn six SpiceClub Points per ₹200.

✦

Up to 10,000 milestone points

₹2 lakh earns 4,000 points and ₹4 lakh earns another 6,000 points; renewal fee payment adds 2,000 points.

Your money

See savings, fees and the cost of paying late

Annual value comparison

Use your real monthly spending. The same inputs are compared across available monetary models; profiles with unresolved rules are withheld.

Compare this card with all 87

Guided valuation using your issuer quote

Enter the reward units and redemption value shown in your issuer app, statement or catalogue. This personal estimate is not used in Accurate Paisa rankings.

Personal annual net value₹0₹0 reward value − ₹0 annual fee

Use the exact redemption route you would actually use. Points, miles and vouchers are not automatically equal to cash.

Missed-payment cost estimate

Chargeable days may start from the transaction date, not the payment due date. Include the payment date where applicable. The balance above must be the interest-bearing amount, excluding non-interest-bearing fees and taxes.

Late fee remains your entered amount, not an automatic slab decision. Paying the minimum can avoid a late fee but does not stop revolving interest. Late-fee eligibility, refunds, EMI and payment allocation are not reconstructed here.

Estimated extra payment₹0

Monthly revolving rate checked against Axis MITC. Interest can run from the transaction date when full payment is missed, not only from the due date. The editable late fee depends on the balance and missed-payment history; this is not an exact statement reconstruction.

Card overview

What SpiceJet Voyage Black Credit Card is designed to offer

SpiceJet Voyage Black Credit Card appears in the Accurate Paisa directory under Travel, Premium. This classification helps compare cards designed for similar spending, but your real return depends on eligible merchants, caps, exclusions, redemption and whether you pay an annual fee.

Travel

Travel value may combine miles and privileges. Lounge access and insurance are kept separate unless a dependable cash value is available.

Premium

Premium cards must recover a higher fee through benefits that you will genuinely use, not headline privileges alone.

Transparent rules

How Accurate Paisa calculates its value

Your monthly spending is annualised, then the recorded reward rates, caps and milestone rules are applied. Eligible fee waivers are checked before the annual fee and GST are subtracted. The outcome is a rupee estimate and effective return, not a promise of earnings.

  • ✓SpiceClub points are restricted programme units; the issuer does not publish a universal INR cash value. Select a live SpiceJet redemption quote before valuing points or milestones.
  • ✓Generic travel, dining and bills do not prove a SpiceJet booking or an eligible online accelerator; the generic model uses base earning.
  • ✓Fuel, wallet and EMI transactions are excluded; joining vouchers, lounge visits and Gold-tier add-ons are not monetised.
  • ✓Renewal awards are separate from spending milestones and excluded from the spend-only annual estimate. Confirm anniversary eligibility and, for Voyage variants, timely payment of the renewal fee before adding that benefit.

Do not spend more just to reach a reward or fee waiver. Credit-card finance charges can be several times larger than ordinary reward rates, so paying the full statement balance by the due date is the most important assumption behind a positive card-value estimate.

Questions & answers

Frequently asked questions

What type of card is SpiceJet Voyage Black Credit Card? +

It is listed by Axis Bank under Travel, Premium. Approval and the application route remain subject to the issuer's current rules.

How is the annual value of SpiceJet Voyage Black Credit Card calculated? +

Where a supported estimate is available, Accurate Paisa applies the recorded reward conversion, caps, fees and assumptions to your annual spending. Redemption restrictions can reduce the value you realise.

How is net card value calculated? +

Net annual value equals usable rewards plus eligible milestone value, minus the annual fee with GST and modelled transaction and redemption charges.

What happens if I miss a payment? +

Interest may apply to the unpaid balance, a late fee and GST may be charged, and the interest-free period can be lost. Use the estimator below with your statement figures.

Does the highest saving always mean the best card? +

No. Approval, acceptance, support, redemption, foreign-exchange charges and your ability to repay the full statement balance also matter.

Cardholder voice

Value, support and owner experience

No moderated cardholder rating is published yet. Accurate Paisa keeps its mathematical value score separate until enough real reviews are available.

Sign in with WhatsApp to review
Considering EMI?

Compare the actual EMI quote, including any initial-interest bill, processing fee, GST and full-payment rewards you would give up.

Compare EMI with full payment →