Equitas Selfe Credit Card
Rs 1,000Annual fee
Rs 2,40,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- 1 complimentary domestic airport lounge access per calendar quarter (4 per year).
3.5%Forex markup
Best for
dining, grocery, online, lifestyle
Top rewards
2 chosen accelerated categories: apparel, dining, grocery, utility, or taxi: 10 Reward Points / Rs 100 spent (on 2 chosen categories); All other retail spends: 2 Reward Points / Rs 100 spent
Indigo Axis Bank Credit Card
Rs 799Annual fee
4Domestic lounge
Domestic lounge conditions
- 4 complimentary domestic airport lounge visits per calendar year (limited to 1 visit per quarter).
- Requires spends of Rs 50,000 in the preceding 3 calendar months to unlock access (new cardholders are exempt for the month of card issuance and the next 3 calendar months).
3.5%Forex markup
Best for
indigo, flights, travel, grocery, dining
Top rewards
IndiGo flight bookings: 3 IndiGo BluChips / Rs 100 spent; Grocery spends: 2 IndiGo BluChips / Rs 100 spent; Dining spends: 2 IndiGo BluChips / Rs 100 spent
| Feature | Equitas Selfe Credit Card | Indigo Axis Bank Credit Card |
|---|---|---|
| Issuer | Equitas Small Finance Bank | Axis Bank |
| Network | Visa, RuPay | Visa |
| Joining fee | Rs 1,000 | Rs 799 |
| Annual fee | Rs 1,000 | Rs 799 |
| Fee waiver spend | Rs 2,40,000 | - |
| Reward type | reward points | indigo bluchips |
| Best for | dining, grocery, online, lifestyle | indigo, flights, travel, grocery, dining |
| Top reward categories | 2 chosen accelerated categories: apparel, dining, grocery, utility, or taxi: 10 Reward Points / Rs 100 spent (on 2 chosen categories); All other retail spends: 2 Reward Points / Rs 100 spent | IndiGo flight bookings: 3 IndiGo BluChips / Rs 100 spent; Grocery spends: 2 IndiGo BluChips / Rs 100 spent; Dining spends: 2 IndiGo BluChips / Rs 100 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 4 | 4 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Not listed | Not listed |
| Key exclusions | Fuel transactions (surcharge waiver only, no reward points), Cash advance transactions, EMI conversion transactions, Wallet loading transactions, Rent payments, Government spends & tax payments | fuel, rent, wallet load, education payments via third-party apps, utilities, transactions excluded under IndiGo Axis Bank Credit Card terms |