MyFinCards
AXIS BANK VISTARA SIGNATURE Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

Forex Markup

3.5% + GST

INTERNATIONAL
Axis Bank
Travel
Lifestyle
Rewards
Best For: Frequent Air India/Vistara flyers, Lifestyle and travel enthusiasts

AXIS BANK VISTARA SIGNATURE Credit Card

Rewards Structure

Base Reward Rate

4% on spends

Point Value

1 Point = ₹0.25

Pros

  • Complimentary Premium Economy ticket voucher as welcome benefit
  • Up to 4 complimentary Premium Economy ticket vouchers on milestone spends
  • Complimentary Maharaja Club Silver Membership
  • Complimentary golf rounds
  • Lounge access at domestic airports
  • Travel insurance benefits

Cons

  • Lounge access subject to spends criteria
  • Fuel transactions above ₹50,000 attract 1% fee
  • Utility transactions above ₹25,000 attract 1% fee
  • Foreign currency markup of 3.5%

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

1% fee on fuel transactions cumulating ₹50,000+ per statement cycle

1% fee on utility spends cumulating ₹25,000+ per statement cycle

1% fee on online skill-based gaming cumulating ₹10,000+ per statement cycle

1% fee on wallet load transactions cumulating ₹10,000+ per statement cycle

1% fee on rent transactions per transaction

1% fee on education payments via third-party apps

1.5% Dynamic Currency Conversion markup on international transactions in Indian currency

Milestone ticket vouchers awarded only on milestone eligible spend categories

Key Benefits & Features

Complimentary Maharaja Club Silver Membership with priority check-in and additional baggage allowance on fee payment

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

Eligibility Criteria

Min. Annual Income

₹6.0 Lakhs

Age Requirement

18+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card photocopy or Form 60

INCOME Proof

Latest payslip
Form 16
IT Return

ADDRESS Proof

Driving License
Electricity Bill
Landline Telephone Bill

Notable Exclusions

1% fuel surcharge on cumulative fuel transactions of ₹50,000 or more in a statement cycle1% fee on cumulative utility payments of ₹25,000 or more in a statement cycle1% fee on online skill-based gaming platforms for cumulative spends of ₹10,000 or more in a statement period1% fee on cumulative wallet load transactions of ₹10,000 or more in a statement cycle1% rent transaction fee per transaction1% fee on education payments made through third-party apps

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

Official Terms & Conditions

About AXIS BANK VISTARA SIGNATURE Credit Card

The Axis Bank Vistara Signature Credit Card is designed for frequent flyers and lifestyle enthusiasts who want to earn meaningful travel rewards with every purchase. Cardholders earn 4 Maharaja Points for every ₹200 of eligible spends, which can be redeemed for award flights and upgrades. New members are welcomed with a complimentary Premium Economy Class ticket voucher upon fee payment, and this benefit continues on annual renewal. Cardholders also receive a complimentary Maharaja Club Silver Membership, unlocking privileges such as priority check-in and additional baggage allowance. The card rewards consistent spenders through a milestone program, offering up to 4 additional Premium Economy Class ticket vouchers when defined spend thresholds are reached throughout the year. Lifestyle benefits include 2 complimentary airport lounge visits at select domestic airports, 3 complimentary rounds of golf, curated Extraordinary Weekends experiences, and monthly dining discounts through EazyDiner at partner restaurants. Additional perks include Wednesday Delight offers featuring instant savings on flights, hotels, food delivery, and shopping via platforms like MakeMyTrip, Goibibo, Swiggy, and Amazon Fresh. The card also provides valuable insurance coverage, including Purchase Protection up to ₹1 lakh and travel-related cover for baggage loss, document loss, and check-in baggage delays. Purchases above ₹1,500 can be converted into convenient EMIs, adding further financial flexibility for cardholders.

Expert Review

Our Verdict

Earn Maharaja Points & complimentary Vistara ticket vouchers with lounge, golf & insurance perks.

Frequently Asked QuestionsAbout AXIS BANK VISTARA SIGNATURE Credit Card

ELIGIBILITYWhat are the eligibility criteria for the Axis Bank Vistara Signature Credit Card?
To apply for the Axis Bank Vistara Signature Credit Card, the primary cardholder must be between 18 to 70 years of age, must be a resident of India, and must have a minimum net income of ₹6 lakhs per annum. Please note that these criteria are only 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 Signature Credit Card?
The documents required to apply for the Axis Bank Vistara Signature Credit Card include a PAN Card photocopy or Form 60, proof of income such as the latest payslip, Form 16, or IT Return, and residence proof such as a Driving License, Electricity Bill, or Landline Telephone Bill. Note that this list is only indicative and documents required may vary on a case-to-case basis.
BENEFITSWhat is the welcome benefit offered on the Axis Bank Vistara Signature Credit Card?
As a welcome benefit, cardholders receive a complimentary Premium Economy Class ticket voucher on fee payment when they join the Axis Bank Vistara Signature Credit Card. This benefit is also available on renewal of the credit card membership every year. Additionally, cardholders receive a complimentary Maharaja Club Silver Membership, which includes privileges such as priority check-in and additional baggage allowance.
BENEFITSHow many milestone ticket vouchers can I earn with the Vistara Signature Credit Card?
You can earn up to 4 complimentary Premium Economy Class ticket vouchers on achieving milestone spends. The milestones are as follows: 1st voucher at ₹1,50,000 in spends; 2nd voucher at ₹3,00,000; 3rd voucher at ₹4,50,000; and 4th voucher at ₹9,00,000. Tickets are awarded based on milestone eligible spend categories. Terms and conditions apply.
REWARDSHow do I earn Maharaja Points on the Axis Bank Vistara Signature Credit Card?
You earn 4 Maharaja Points for every ₹200 of eligible spends on the Axis Bank Vistara Signature Credit Card. These points can be redeemed for upgrades and award flights on Air India (formerly Vistara). Additionally, bonus Maharaja Club Points can be earned on achieving milestone eligible spends. There is no reward redemption fee applicable.
BENEFITSWhat lounge access benefits does the Axis Bank Vistara Signature Credit Card offer?
The Axis Bank Vistara Signature Credit Card offers 2 complimentary lounge access visits at select airports within India. However, this benefit is subject to spends criteria — cardholders must meet certain spending thresholds to be eligible. You can view the revised criteria and the list of participating Visa lounges on the Axis Bank official website.
BENEFITSWhat golf benefits are available with the Axis Bank Vistara Signature Credit Card?
The Axis Bank Vistara Signature Credit Card offers 3 complimentary rounds of golf at some of India's most picturesque destinations. This is part of the lifestyle privileges associated with the card. For specific details about participating golf courses and applicable terms and conditions, you can refer to the Axis Bank official website.
BENEFITSWhat insurance benefits does the Axis Bank Vistara Signature Credit Card provide?
The Axis Bank Vistara Signature Credit Card provides several insurance benefits including Purchase Protection Cover of up to ₹1 lakh. It also covers up to $300 for travel-related incidents including loss of travel documents, delay of check-in baggage, and loss of check-in baggage. Terms and conditions apply, and you can refer to the detailed cover and claim procedure on the official Axis Bank website.
FEESWhat are the fees and charges on the Axis Bank Vistara Signature Credit Card?
Key charges on the card include finance charges of 3.75% per month on retail purchases and cash, cash withdrawal fee of 2.5% (minimum ₹500), and a foreign currency transaction fee of 3.50% of the transaction value. Late payment fees range from nil (below ₹500 due) to ₹1,200 (above ₹10,000 due). Over-limit penalty is 2.5% of the over-limit amount (minimum ₹500). Card replacement and duplicate statement fees are waived.
FEESAre there any additional charges on fuel and utility transactions?
Yes, a 1% fee is levied on cumulative fuel transactions of ₹50,000 or more in a statement cycle. Similarly, a 1% fee is levied on cumulative utility payment spends of ₹25,000 or more in a statement cycle. A 1% fee also applies to education payments made through third-party apps, rent transactions, and cumulative wallet load transactions of ₹10,000 or more in a statement cycle.
INTERNATIONALWhat is the foreign currency transaction fee for the Axis Bank Vistara Signature Credit Card?
The Axis Bank Vistara Signature Credit Card charges a foreign currency transaction fee of 3.50% on the transaction value for all international spends. Additionally, a Dynamic Currency Conversion markup of 1.5% applies on international transactions performed in Indian currency at international locations, or transactions performed in Indian currency with merchants located in India but registered in a foreign nation.
BENEFITSWhat Wednesday Delight offers are available on the Axis Bank Vistara Signature Credit Card?
Cardholders can enjoy Wednesday Delight offers including 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. These offers are available every Wednesday and can be availed through the Axis Bank offers portal.
USAGECan I convert my credit card purchases into EMIs?
Yes, the Axis Bank Vistara Signature Credit Card allows you to convert purchases into EMIs. On any transaction over ₹1,500, you can contact the bank to convert a large credit card purchase into manageable EMIs. For more details on the process, applicable interest rates, and tenure options, you can visit the Axis Bank official website or contact customer care.
BENEFITSWhat dining benefits does the Axis Bank Vistara Signature Credit Card offer?
The Axis Bank Vistara Signature Credit Card offers dining discounts once per month at partner restaurants through EazyDiner. Cardholders can avail these exclusive dining offers by visiting dining.eazydiner.com/axisbank. Additionally, the card provides curated lifestyle experiences from around the world through the Extraordinary Weekends program.
OTHERHow can I contact Axis Bank for queries related to my Vistara Signature Credit Card?
You can contact Axis Bank customer care at toll-free numbers 1800 209 5577 or 1800 103 5577. Charges-applicable numbers are 1860 419 5555 and 1860 500 5555. You can also reach out via WhatsApp Banking by sending 'Hi' to 7036165000. For branch visits, use the Axis Bank Branch Locator on the official website. For grievances, escalation options are available through the Nodal Officer and Principal Nodal Officer.

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