Vyaya
Side-by-Side Comparison|Updated March 2026

SpiceJet Axis Bank Voyage Black Credit Card vs Axis Bank Vistara Signature Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

SpiceJet Axis Bank Voyage Black Credit Card

7.2/10
Annual Fee₹2,000
Base Rewards3%
NetworkVisa
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Axis Bank

Axis Bank Vistara Signature Credit Card

7/10
Annual Fee₹3,000
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSpiceJet Axis Bank Voyage Black Credit CardAxis Bank Vistara Signature Credit Card
Annual Fee₹2,000₹3,000
Joining Fee₹2,000₹3,000
Fee Waiver SpendN/AN/A
Base Reward Rate3%0.5%
Reward CurrencySpiceClub PointsMaharaja Points
NetworkVisaVisa
Editor Rating7.2/107/10
Forex Markup3.5%3.5%

Accelerated Rewards

SpiceJet Axis Bank Voyage Black Credit Card

  • 0% on SpiceJet App & Website
  • 0% on Online Food, Bills & Entert...

Axis Bank Vistara Signature Credit Card

No accelerated rewards listed

Pros & Cons

SpiceJet Axis Bank Voyage Black Credit Card

Pros

  • High reward rate of up to 14% (28 SC Points per ₹200) on SpiceJet bookings.
  • Generous welcome benefit with a ₹4,000 SpiceJet flight voucher.
  • Complimentary SpiceClub Gold Membership offering priority check-in and free seat selection.
  • Accelerated 6% reward rate on online food, bills, and entertainment.

Cons

  • Rewards are highly restrictive, redeemable only within the SpiceJet ecosystem.
  • Domestic lounge access is spend-linked (₹50,000 in the previous quarter).
  • High forex markup fee of 3.5% makes it poor for international travel.

Axis Bank Vistara Signature Credit Card

Pros

  • Complimentary Premium Economy ticket voucher on joining and renewal (for renewals before April 18, 2025).
  • Complimentary Club Vistara Silver Membership (transitioning to Maharaja Club) offering priority check-in and extra baggage.
  • High milestone rewards with up to 4 additional Premium Economy tickets on annual spends of ₹9 Lakhs.
  • 3 complimentary rounds of golf at select courses in India.

Cons

  • Rewards are highly specialized for Vistara/Air India and offer low value for non-travel redemptions.
  • Domestic lounge access is now subject to a minimum spend of ₹50,000 in the previous 3 months.
  • Significant devaluation in 2024/2025: Milestone benefits and ticket vouchers discontinued for renewals after April 18, 2025.

Our Verdict

SpiceJet Axis Bank Voyage Black Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Vistara Signature Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose SpiceJet Axis Bank Voyage Black Credit Card if

Maximum value is derived through SpiceClub Gold benefits and high point accrual on SpiceJet flights.

Choose Axis Bank Vistara Signature Credit Card if

Ideal for those who prefer Vistara's Premium Economy service and can hit the ₹1.5L to ₹9L spend milestones for free tickets.

Frequently Asked Questions

Which is better: SpiceJet Axis Bank Voyage Black Credit Card or Axis Bank Vistara Signature Credit Card?
SpiceJet Axis Bank Voyage Black Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Vistara Signature Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SpiceJet Axis Bank Voyage Black Credit Card and Axis Bank Vistara Signature Credit Card?
SpiceJet Axis Bank Voyage Black Credit Card has an annual fee of ₹2,000, while Axis Bank Vistara Signature Credit Card has an annual fee of ₹3,000.
Which card has better rewards: SpiceJet Axis Bank Voyage Black Credit Card or Axis Bank Vistara Signature Credit Card?
SpiceJet Axis Bank Voyage Black Credit Card offers a base reward rate of 3% with accelerated rewards on SpiceJet App & Website and Online Food, Bills & Entert.... Axis Bank Vistara Signature Credit Card offers 0.5% base rewards. The better choice depends on your primary spending categories.
Can I have both SpiceJet Axis Bank Voyage Black Credit Card and Axis Bank Vistara Signature Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SpiceJet Axis Bank Voyage Black Credit Card and Axis Bank Vistara Signature Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SpiceJet Axis Bank Voyage Black Credit Card or Axis Bank Vistara Signature Credit Card?
For beginners, SpiceJet Axis Bank Voyage Black Credit Card may be more approachable with a lower annual fee of ₹2,000. However, evaluate based on your expected spending pattern rather than fee alone.

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