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Side-by-Side Comparison|Updated April 2026

SpiceJet Axis Bank Voyage Credit Card vs Axis Bank Atlas 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 Credit Card

7.2/10
Annual Fee₹750
Base Rewards0.75%
NetworkVisa
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Axis Bank

Axis Bank Atlas Credit Card

8.8/10
Annual Fee₹5,000
Base Rewards2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSpiceJet Axis Bank Voyage Credit CardAxis Bank Atlas Credit Card
Annual Fee₹750₹5,000
Joining Fee₹750₹5,000
Fee Waiver SpendN/AN/A
Base Reward Rate0.75%2%
Reward CurrencySpiceClub PointsEDGE Miles
NetworkVisaVisa
Editor Rating7.2/108.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

SpiceJet Axis Bank Voyage Credit Card

  • 0% on SpiceJet Bookings
  • 0% on Online Food, Bills, Enterta...

Axis Bank Atlas Credit Card

  • 5% on Direct Airlines — 10000 pts/month
  • 5% on Direct Hotels — 10000 pts/month
  • 5% on Travel EDGE Portal — 10000 pts/month

Pros & Cons

SpiceJet Axis Bank Voyage Credit Card

Pros

  • High reward rate of up to 9% (18 SC Points per ₹200) on SpiceJet bookings.
  • Complimentary SpiceClub Silver membership providing priority check-in and boarding.
  • Welcome voucher worth ₹1,500 effectively covers the joining fee twice over.
  • Accelerated rewards on everyday online categories like food delivery and bill payments.

Cons

  • Rewards are highly restrictive, redeemable only within the SpiceJet ecosystem.
  • Lounge access is spend-based, requiring ₹50,000 spend in the previous quarter.
  • High foreign currency markup of 3.5% makes it unsuitable for international travel.

Axis Bank Atlas Credit Card

Pros

  • High reward rate of 5 EDGE Miles per ₹100 on direct airline and hotel spends.
  • Flexible 1:2 transfer ratio to major airline and hotel partners like Accor, ITC, and United.
  • Unique tier-based system (Silver, Gold, Platinum) that rewards higher annual spending with more miles and lounge access.
  • Lounge access is sharable with guests, a rare feature in the Indian market.

Cons

  • High foreign currency markup of 3.5% despite being a travel-focused card.
  • Accelerated rewards on travel are capped at ₹2 Lakhs spend per month.
  • Excludes common categories like fuel, rent, insurance, and utilities from reward earning.

Our Verdict

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

Choose SpiceJet Axis Bank Voyage Credit Card if

Maximum value is derived through SpiceClub points and Silver membership benefits on SpiceJet flights.

Choose Axis Bank Atlas Credit Card if

Excellent for those who book directly with airlines and hotels and value flexible point transfers.

Frequently Asked Questions

Which is better: SpiceJet Axis Bank Voyage Credit Card or Axis Bank Atlas Credit Card?
Axis Bank Atlas Credit Card edges ahead overall with a stronger combination of rewards and value. However, SpiceJet Axis Bank Voyage 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 Credit Card and Axis Bank Atlas Credit Card?
SpiceJet Axis Bank Voyage Credit Card has an annual fee of ₹750, while Axis Bank Atlas Credit Card has an annual fee of ₹5,000.
Which card has better rewards: SpiceJet Axis Bank Voyage Credit Card or Axis Bank Atlas Credit Card?
SpiceJet Axis Bank Voyage Credit Card offers a base reward rate of 0.75% with accelerated rewards on SpiceJet Bookings and Online Food, Bills, Enterta.... Axis Bank Atlas Credit Card offers 2% base rewards with bonuses on Direct Airlines and Direct Hotels. The better choice depends on your primary spending categories.
Can I have both SpiceJet Axis Bank Voyage Credit Card and Axis Bank Atlas Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SpiceJet Axis Bank Voyage Credit Card and Axis Bank Atlas Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SpiceJet Axis Bank Voyage Credit Card or Axis Bank Atlas Credit Card?
For beginners, SpiceJet Axis Bank Voyage Credit Card may be more approachable with a lower annual fee of ₹750. However, evaluate based on your expected spending pattern rather than fee alone.

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