MyFinCards
AXIS BANK VISTARA Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

Forex Markup

3.5% + GST

INTERNATIONAL
Axis Bank
Travel
Rewards
Lifestyle
Best For: Frequent Vistara/Air India flyers, Travelers seeking complimentary flight ticket vouchers, Those seeking airport lounge access, Lifestyle spenders seeking travel perks

AXIS BANK VISTARA Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.005

Pros

  • Earn Maharaja Points redeemable for Vistara upgrades and award flights
  • Welcome and renewal complimentary Economy Class ticket voucher
  • Up to 3 milestone Economy Class ticket vouchers
  • Complimentary airport lounge access
  • Travel insurance benefits including purchase protection and baggage cover
  • No reward redemption fee
  • No card replacement fee
  • Waived duplicate statement fee

Cons

  • Lounge access subject to spends criteria
  • 1% fuel surcharge on cumulative fuel transactions above ₹50,000 per statement cycle
  • Finance charges at 3.75% per month
  • 1% fee on education payments via third-party apps
  • 1% utility fee on cumulative spends above ₹25,000 per statement cycle
  • 1% fee on cumulative online skill-based gaming spends above ₹10,000 per statement cycle
  • 1% rent transaction fee
  • 1.5% dynamic currency conversion markup on international transactions in Indian currency

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Lounge access is subject to spends criteria

Milestone ticket vouchers apply only to eligible spend categories

Additional ₹100 charge if Minimum Amount Due is not paid for two consecutive billing periods

1% fee on fuel transactions cumulative above ₹50,000 in a statement cycle

Vistara and Air India merger may affect terms and conditions

Key Benefits & Features

Wednesday Delight: instant savings up to 15% on flights & hotels via Goibibo and MakeMyTrip; 10% off on Swiggy, Amazon Fresh, and up to ₹1000 off on Tira

Eligibility Criteria

Min. Annual Income

₹6.0 Lakhs

Age Requirement

18+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card photocopy
Form 60

INCOME Proof

Latest payslip
Form 16
IT return copy

ADDRESS Proof

Driving License
Electricity bill
Landline telephone bill

Notable Exclusions

1% fuel transaction fee on cumulative fuel spends of ₹50,000 or more in a statement cycle1% fee on education payments through third-party apps1% utility transaction fee on cumulative utility spends of ₹25,000 or more in a statement cycle1% fee on cumulative online skill-based gaming spends of ₹10,000 or more in a statement cycle1% rent transaction fee per transaction

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About AXIS BANK VISTARA Credit Card

The Axis Bank Vistara Credit Card is a travel-focused card designed for frequent flyers who want to earn rewards and enjoy exclusive airline privileges. Cardholders earn 2 Maharaja Points for every ₹200 spent on eligible purchases, which can be redeemed for flight upgrades and award tickets on Vistara and Air India. As a welcome benefit, members receive a complimentary Economy Class ticket voucher upon fee payment, with the same benefit extended annually upon renewal. Beyond the welcome gift, the card rewards consistent spenders with milestone ticket vouchers — up to 3 Economy Class ticket vouchers when spending thresholds of ₹1,25,000, ₹2,50,000, and ₹6,00,000 are reached. Cardholders also enjoy 2 complimentary airport lounge visits at select domestic airports, subject to spending criteria, making travel more comfortable and convenient. Additional lifestyle perks include dining discounts once per month at partner restaurants through Axis Bank EazyDiner, Wednesday Delight offers featuring savings of up to 15% on flights and hotels via Goibibo and MakeMyTrip, and discounts on Swiggy and Tira. The card also provides purchase protection cover of up to ₹1 lakh and travel insurance covering loss of travel documents, baggage delay, and loss of checked-in baggage up to USD 300, making it a well-rounded option for travel and lifestyle spending.

Expert Review

Our Verdict

Earn Maharaja Points & complimentary Vistara tickets with lounge access and travel insurance benefits.

Frequently Asked QuestionsAbout AXIS BANK VISTARA Credit Card

ELIGIBILITYWhat are the eligibility criteria for the Axis Bank Vistara Credit Card?
To apply for the Axis Bank Vistara Credit Card, the primary cardholder must be between 18 to 70 years of age, have a minimum net income of ₹6,00,000 per annum (for Vistara Platinum), and be a resident of India. These criteria are indicative, and the bank reserves the right to approve or decline applications at its discretion.
DOCUMENTSWhat documents are required to apply for the Axis Bank Vistara Credit Card?
The documents required include a PAN Card photocopy or Form 60, proof of income such as the latest payslip, Form 16, or IT return copy, and residence proof such as a Driving License, Electricity Bill, or Landline Telephone Bill. Note that the above list is indicative and documents required may vary on a case-to-case basis.
REWARDSHow many Maharaja Points do I earn on the Axis Bank Vistara Credit Card?
You earn 2 Maharaja Points for every ₹200 of eligible spends on the Axis Bank Vistara Credit Card. These points can be redeemed for Vistara upgrades and award flights. There is no reward redemption fee applicable, making it straightforward to redeem your accumulated points.
BENEFITSWhat milestone ticket vouchers are available on the Axis Bank Vistara Credit Card?
The card offers up to 3 complimentary Economy Class ticket vouchers based on milestone spends: the 1st voucher is earned on spending ₹1,25,000; the 2nd voucher on spending ₹2,50,000; and the 3rd voucher on spending ₹6,00,000. These tickets are awarded on milestone-eligible spend categories. Terms and conditions apply.
BENEFITSDo I get a welcome benefit on the Axis Bank Vistara Credit Card?
Yes, you receive a complimentary Economy Class ticket voucher as a welcome gift upon fee payment when you get the Axis Bank Vistara Credit Card. This benefit continues on renewal of your Credit Card membership every year, making it a valuable ongoing perk for frequent Vistara flyers.
BENEFITSWhat lounge access benefits does the Axis Bank Vistara Credit Card offer?
The Axis Bank Vistara Credit Card provides 2 complimentary lounge accesses at select airports within India. However, this benefit is subject to spends criteria, meaning you need to meet certain spending thresholds to qualify. You can visit the official Axis Bank website to view the revised criteria and the list of participating Visa lounges.
BENEFITSWhat insurance benefits are included with the Axis Bank Vistara Credit Card?
The Axis Bank Vistara Credit Card includes several insurance benefits: Purchase Protection Cover of up to ₹1 lakh, and cover of up to USD 300 for loss of travel documents, delay of check-in baggage, and loss of check-in baggage. Terms and conditions apply, and you can visit the Axis Bank website for detailed cover and claim procedures.
FEESWhat are the finance charges on the Axis Bank Vistara Credit Card?
The finance charges on the Axis Bank Vistara Credit Card are 3.75% per month on retail purchases and cash transactions. This applies to all card variants — Vistara, Vistara Signature, and Vistara Infinite. It is advisable to pay your dues in full each month to avoid accumulating these interest charges.
FEESWhat are the late payment fees on the Axis Bank Vistara Credit Card?
Late payment fees (Overdue Penalty) are as follows: Nil if total payment due is less than ₹500; ₹500 if due is between ₹501–₹5,000; ₹750 if due is between ₹5,001–₹10,000; and ₹1,200 if due is greater than ₹10,000. An additional charge of ₹100 applies if the Minimum Amount Due is not paid for two consecutive billing periods.
INTERNATIONALWhat is the foreign currency transaction fee on the Axis Bank Vistara Credit Card?
The Axis Bank Vistara Credit Card charges a foreign currency transaction fee of 3.50% of the transaction value. Additionally, a Dynamic Currency Conversion markup of 1.5% applies on international transactions performed in Indian currency at international locations, or transactions in Indian currency with merchants located in India but registered in a foreign country.
FEESAre there any additional transaction fees I should be aware of on the Axis Bank Vistara Credit Card?
Yes, several additional fees apply: a 1% fuel surcharge on cumulative fuel transactions of ₹50,000 or more per statement cycle; a 1% fee on education payments via third-party apps; a 1% utility fee on cumulative spends above ₹25,000 per statement cycle; a 1% fee on cumulative online skill-based gaming spends above ₹10,000 per statement cycle; and a 1% rent transaction fee per transaction.
REWARDSIs there a reward redemption fee on the Axis Bank Vistara Credit Card?
No, there is no reward redemption fee on the Axis Bank Vistara Credit Card. You can redeem your accumulated Maharaja Points for Vistara upgrades and award flights without incurring any additional charges. Similarly, card replacement and duplicate statement fees are also waived, making the card more cost-effective for regular users.
USAGEHow can I redeem my Maharaja Points earned on the Axis Bank Vistara Credit Card?
Maharaja Points earned on the Axis Bank Vistara Credit Card can be redeemed for Vistara flight upgrades and award flights. You can visit the Axis Bank official website or the Vistara Club Maharaja portal to explore redemption options. There is no reward redemption fee, so all your points go towards getting maximum value on your travel benefits.
BENEFITSWhat Wednesday Delight offers are available on the Axis Bank Vistara Credit Card?
The Axis Bank Vistara Credit Card offers Wednesday Delight benefits to beat mid-week blues. These include instant savings of up to 15% on flights and hotels via Goibibo and MakeMyTrip, 10% off on orders via Swiggy and Amazon Fresh, and 10% off up to ₹1,000 on Tira. You can visit the Axis Bank website to avail these offers.
USAGEHow can I convert a large purchase into EMI using the Axis Bank Vistara Credit Card?
You can convert any credit card transaction over ₹1,500 into easy monthly installments (EMI) on the Axis Bank Vistara Credit Card. To do so, simply contact Axis Bank and request the EMI conversion for your eligible purchase. This feature helps you manage large expenses conveniently by spreading the cost over a comfortable repayment period.

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