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 

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

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
   

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.