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

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

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