Axis Vistara Credit Card – Benefits, Rewards & Travel Privileges

Key Highlights
 

1. The Axis Vistara Credit Card gives you a free Economy Class flight ticket when you get the card. You earn 2 Maharaja points for every ₹200 you spend. You can later redeem benefits for booking flights or upgrades.
    
2. The standard joining fee is ₹1,500. You pay the same amount as the standard annual fee from the second year onwards. However, it charges 3.5% on foreign currency transactions and a 3.75% per month as finance charges. 
    
3. The minimum age of the cardholder should be 18 years old, and the maximum age should be 70, and should be an Indian resident.

Axis Bank has partnered with Vistara Airlines to launch an Axis Vistara Credit Card. With this card, you get a complimentary economy-class flight ticket on welcome and renewal. You can redeem your points earned for flights or upgrades with Club Vistara membership and Maharaja Point rewards. 

For example, Asha is a frequent domestic traveller who uses Axis Vistara Signature. She spends ₹1,50,000 per annum with the Axis Vistara Credit Card and pays ₹3,000. 

Here is how the card benefited her financially
 

With ₹1,50,000 spent, Asha earns 1,500 CV points plus approximately 5 vouchers for Economy Class Tickets. These benefits outweigh the ₹3,000 annual fee if you redeem points for Vistara flights/upgrades. 

This blog will walk you through everything about the Axis Vistara Credit Card, such as features, benefits, fees, eligibility criteria, and how to apply for this credit card. We will also compare it with other travel credit cards, and that's where we can guide you further.

The Axis Vistara Credit Card caters to frequent and loyal fliers who often select Vistara Airlines. They can earn CV points at the merchant sites, and you can redeem them to reserve flight tickets and upgrade flights. 

Key Highlights of the Axis Vistara Credit Card

Do you know Axis Vistara Card charges no duplicate statement fee and offers card replacement for free? Likewise, there are many other features for this card; let’s discuss them in this section.
 

• Annual Fee: ₹1,500 
   
• Welcome Benefit: 1 complimentary Economy Class ticket voucher upon card issuance
   
• Reward Points: Earn 2 CV Points for every ₹200 spent.
   
• Milestone Benefits: Free Economy Class tickets for reaching spending milestones
   
• Lounge Access: 2 complimentary domestic lounge visits per quarter
   
• Dining Discounts: Up to 15% off at partner restaurants
   

These features have made the Axis Vistara Credit Card an interesting option for someone who travels frequently. It also allows them to accrue the value of being loyal to Vistara Airlines.

Benefits of the Axis Vistara Credit Card

As far as service is concerned, the Axis Vistara Credit Card helps meet the expectations and requirements of travel enthusiasts. Here are some of the facility benefits:

1. Welcome Benefits

The Axis Vistara Credit Card starts by rewarding new members with a valuable travel perk.

• Cardholders receive a free Economy Class ticket voucher after joining.

• The voucher is usually valid for a short time, so use it early.

For example, if Riya pays the annual fee of ₹1,500 and books a Delhi–Mumbai ticket costing ₹3,800 using her free voucher, she saves the full fare, making the card’s joining fee worth it.

2. Reward Points System

Every day, spending on the card turns into rewards that directly benefit travellers.

• Earn 2 CV Points for every ₹200 spent.

• Points can be redeemed for tickets, upgrades, and other travel rewards.

For example, Aarav spends ₹20,000 in a month. So, he earns 200 CV Points. Later, he redeems these points to reduce his ticket cost by ₹1,000, lowering his travel expense.

3. Milestone Rewards

Bigger spending will give you flight ticket vouchers each year. You won’t get any ‘free’ tickets, but the vouchers for flight tickets as per the mentioned annual spending:

• ₹1,25,000 spent = 1 Economy ticket voucher

• ₹2,50,000 spent = 2 tickets voucher

• ₹6,00,000 spent = 4 tickets voucher

For eample, Neha spends ₹2,60,000 in a year on groceries, fuel, and bills. She gets 2 ticket vouchers worth ₹8,000. She can redeem these vouchers on her new vacay!This feature makes the Axis Vistara Credit Card a travel-friendly card. It specifically targets the travellers in the audience.

4. Lounge Visits

Airport experiences are made more comfortable with complimentary lounge access. Here are the benefits you will get:

• Enjoy 2 complimentary domestic lounge visits per quarter.
   

• Benefits include free Wi-Fi, food, drinks, and relaxation areas.

For example, before his Bangalore–Delhi flight, Sameer used his free lounge access worth ₹1,200. He saved money while enjoying food and Wi-Fi at the airport.
5. Discounted Meals

There are rewards for dining as well. You also get exclusive discounts across partner restaurants.

• Get a 15% discount at partner restaurants across India.

• Works for both casual dining and fine dining.

For example, Priya dines at a restaurant with a bill of ₹2,000. She gets a ₹300 discount instantly. If she visits often, she can save a lot. 
6. Insurance Coverage

With the Axis Vistara credit card, you will get the following insurance benefits.

• It offers purchase protection cover of up to ₹1,00,000. It protects items bought with the card against theft or accidental damage.
   
• It provides travel insurance of up to $300 for the following
   
  • Loss of travel documents
  • Delay of check-in baggage
  • Loss of check-in baggage

For example, you have bought a ₹70,000 laptop with the card. For unfortunate reasons, it got is stolen, or your baggage gets delayed during an international trip, you can raise a compensation claim.

Axis Vistara Credit Card Cashback & Rewards

The Axis Vistara Cre; it Card is a card that offers the cardholder many valuable rewards and cashback opportunities. Here's how the rewards system works:

Reward Points Structure
 

• Fuel Payments: If the cumulative fuel transaction is of ₹50,000 or more in a statement cycle, then 1% of the fees will be levied.
   
• Dining and shopping: For each ₹200 spent, customers collect 2 CV Points. You can redeem these points in various forms, such as a flight ticket or an upgrade.
   
• Utility Payments: If the expenditure is of ₹25,000 or more in a statement cycle (made on utility payments), then 1% of the fees will be levied.

Even though the Axis Vistara Credit Card offers primary rewards points, the cashback applies only when the cardholder uses Axis Bank cashback offers. Also, the cashback offers are not fixed; they can change from time to time. So, cardholders need to regularly check Axis Bank’s latest cashback deals to know which ones are currently available.

Axis Vistara Credit Card Fees & Other Charges

Understanding the fees of the Axis Vistara Credit Card is important to effectively manage your finances. Here's a detailed list of the charges:

Charge Types and Amounts
 

Late Payment Fee Structure

Late payment charges can add up very quickly, and therefore, credit card bills must be paid on time. The late payment fee is as follows:
 

The table above gives an overview of the late payment fee associated with the Axis Vistara Credit Card. 

Do you know, there is an additional ₹100 charge if the payment of the minimum amount due is not made by the due date for 2 consecutive filings?

Axis Vistara Credit Card Pros & Cons

In this section, we will discuss the benefits and drawbacks of using an Axis Vistara Credit Card.

The advantages are:
 

• High Reward Points on Travel: Earn 2 CV Points for every ₹200 spent, making it a great option for frequent travellers.
   
• Welcome and Milestone Benefits: Enjoy complimentary tickets and rewards for reaching spending milestones.
   
• Lounge Access: Relax in domestic lounges before your flights.
   
• Dining Discounts: Save money while dining out at partner restaurants.
   
• Comprehensive Insurance Coverage: The card provides extensive insurance benefits, ensuring financial security.

Axis Vistara Credit Card is perfect for travellers. You earn while you travel, you save and redeem on the same activity. 

The disadvantages are:
 

• Limited to Vistara Airlines: The rewards and benefits are primarily focused on Vistara, which may not suit all travellers.
   
• No Accelerated Rewards on Certain Categories: Users may find it challenging to maximise rewards on non-travel-related purchases.
   
• Annual Fee: The annual fee is ₹1,500, which can be a problem for some users. 
   
• 3.5% Foreign Transaction Fee: This fee can add up for international travellers.

The major drawback is that the travellers have to use Vistara Airlines to claim and redeem the benefits. It is not a good option for users who like to travel via Qatar Airlines or even Indigo.

Eligibility Criteria for the Axis Vistara Credit Card

To apply for the Axis Vistara Credit Card, applicants must meet the following eligibility criteria:

• Age: 18 – 70 years
   
• Income: Minimum ₹6,00,000 annual income
   
• Employment: Salaried or self-employed
   
• Residency: Indian resident
   
• Credit Score: Minimum 700 preferred

Meeting these criteria is essential for a successful application.

Required Documents to Apply for the Axis Vistara Credit Card

When applying for the Axis Vistara Credit Card, you will need to provide the following documents:

1. Identity Proof: A photocopy of your PAN card or Form 60.
    
2. Income Proof: Recent payslips, IT returns, or Form 16.
    
3. Address Proof: Any of the following documents:
    
   • Driving license
   • Passport
   • Ration card
   • Electricity bill

Having these documents ready will streamline the application process.

How to Apply for the Axis Vistara Credit Card?

Applying for the Axis Vistara Credit Card is a straightforward process:

1. Offline Application

• Visit the Nearest Axis Bank BraRework Donench: Locate your nearest Axis Bank branch. To locate the branch, you can refer to the hyperlink.
   
• Request the Application Form: Ask the bank representative for the Axis Vistara Credit Card application form.
   
• Fill in the Details: Complete the application form with the required information.
   
• Attach Necessary Documents: Include copies of your ID proof, address proof, and income documents.
   
• Submit the Form: Hand over the completed form to the bank representative and await approval and card dispatch.

2. Online Application

• Visit the Axis Bank official Website. In the ‘Helping you meet your life goals’ section, choose the ‘Credit Card’ compartment in pink.
   
• In the new window, you will see several grey colour tabs. Click on ‘How to Apply’.
   
• Here, click on the ‘Apply for credit card’.
   
• If you are an existing Axis Bank customer, click on ‘Yes’; otherwise, ‘No’.
   
• Fill out the required details and then select the Axis Vistara Credit Card to apply.
   
• In the next window, there will be a credit card online form; fill it out and submit it.

That is how you can apply for the card via online application. You need not visit the branch. 

Credit Card Comparison: Axis Vistara vs. Air India SBI Platinum vs. 6E Rewards XL Indigo HDFC

When considering the Axis Vistara Credit Card, it’s essential to compare it with other travel credit cards in the market. Here’s a comparison of the Axis Vistara Credit Card with two other popular travel cards: the HDFC Diners Club Privilege Card and the SBI Air India Platinum Card.
 

In this table, we have compared Axis Vistara Credit Card, Air India SBI Platinum Credit Card and 6E Rewards XL Indigo HDFC Credit Card. All these are travelling cards.

How to Maximise the Benefits of Your Axis Vistara Credit Card?

To get the most out of your Axis Vistara Credit Card, consider the following tips:

1. Use It Primarily for Travel Transactions

Use your Axis Vistara Credit Card for all your travel-related transactions, including booking flights, hotels, and dining at partner restaurants. This way, you can quickly build up points and reap the rewards from the card.

2. You need to spend a minimum of ₹50,000 in a Year

You earn back annual fees from the card issued if you meet the spending criteria of ₹50,000 in a year. Thus, the money saved and the extra benefit that is engrossed will be without any extra charges.

3. Redeem Points Wisely

When redeeming your reward points, plan wisely to get the highest value from your rewards. Look for flight tickets, upgrades, or other rewards that provide the best redemption value. For example, redeeming points for flights during peak travel seasons can yield significant savings.

4. Take Advantage of Dining Discount. Maximise your dining savings at Axis Vistara Credit Card. Use this card at partnering restaurants to make savings on every meal you get to enjoy eating out. Such a benefit helps you save on meals, given that you regularly eat out.

5. Know the Exclusive Deals

Rebates and offers exclusive to cardholders are of great importance and worth keeping track of from Axis Bank. These can include discounts, cashback offers, and limited-time offers that bring in the best experiences with the cards.

6. Monitoring Expenditure

Use the Axis Bank mobile app to track your spending and monitor your reward points. Using this might help you within your budget so that you are not overspending on things. In addition, being able to track your spending can let you know where you can max out your rewards.

Tips for Managing Your Axis Vistara Credit Card

Effective management of your Axis Vistara Credit Card is crucial for maintaining a healthy financial profile. Here are some tips to help you manage your card effectively:

1. Pay Bills on Time

Pay your credit card bills on time to avoid late payment fees. You can use reminders or automate payments to ensure you do not miss your due dates. Late payments will also affect your credit score and charge you extra fees.

2. Monitor Transactions and Rewards

Use the mobile application of Axis Bank to check your transactions and how many reward points you have gathered so far. The latter is going to inform you of spending-wise, hence you are sure to get the highest rewards from them; in case an unauthorised transaction has been made with, knowing what has gone on with your account should get you informed sooner rather than later.

3. Budget

Determine how much you can spend per month using your credit card. With a set monthly budget, you can track and monitor your expenses effectively to prevent overspending. This means that you'll always pay for the entire balance without being charged any interest charges.

4. Utilise Alerts

Set up alerts for your credit card transactions, payment due dates, and spending limits. This can help you stay informed and avoid missing payments or exceeding your budget. Alerts can also notify you of any suspicious activity on your account.

5. Review Your Credit Report

Check your credit report regularly for possible inaccuracies. Checking up on the credit report may help you find some discrepancies, which you can correct before they become too severe. Maintaining a good credit score is essential in acquiring favourable terms from subsequent loans and credit cards.

6. Credit Card for Daily Expenses

Earn more points with all your daily purchases, such as grocery shopping and getting gas. Just make sure you pay it off in full at the end of every month to avoid any interest charges.

Conclusion

Conclusion

The Axis Vistara Credit Card is for travellers. It gives rewards to frequent Vistara flyers,  welcome tickets, CV points, milestone vouchers, lounge access, and dining perks. ‘Chahiye kya Insan ko?!’ You just need to be vigilant about the ₹1,500 annual fee, foreign-transaction markup, and spending thresholds. After all, the goal is to save while travelling, take the best deal with maximum spending!

FAQs 

What insurance coverage does the card provide?
The card offers purchase protection, travel insurance, and coverage for loss of travel documents.

How long do CV points remain valid?
CV points usually carry a fixed validity period. You must check Axis Bank’s terms or Club Vistara guidelines for the exact expiry timeline.

Can I transfer CV points to other airlines or rewards programs?
CV points are mainly limited to Club Vistara. They cannot generally be transferred to other airline programs or reward platforms.

Are add-on or supplementary cards available, and do they earn points?
Yes, Axis Bank issues add-on cards. These cards also earn points, but you should confirm the specific fees and rules with the bank.

What is the process for disputed or fraudulent transactions?
If you face a fraudulent transaction, you should immediately report it to Axis Bank. The bank investigates the matter under RBI guidelines and may provide a reversal if valid.

Can purchases be converted to EMIs, and what fees apply?
Many transactions are eligible for EMI conversion. Processing fees or interest rates can apply, so check Axis Bank’s EMI terms at the time of conversion.

How do missed payments affect credit score and card limits?
Late or missed payments negatively impact your credit score. They may also result in penalties, higher interest rates, and even a reduction in credit limits.

Is there international lounge access or partner lounges outside India?
The Axis Vistara Credit Card mainly provides domestic lounge access. International lounge use is not included unless offered under temporary promotions or higher-tier cards.

 

Apply for Loans Fast and Hassle-Free

Apply Now

About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.