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Axis Bank Vistara Credit Card

Product Details
Credit Card Name : 

Axis Bank Vistara Credit Card

Bank Name :

Axis Bank

Type :

Travel Credit Card

Interest Rate : 

Interest rate: 3.6% per month (43.9% per annum).

Eligibility :

Primary cardholder between the age of 18 years and 70 years.
Net income of Rs. 6,00,000 per annum.
Resident of India.

Axis Bank Vistara Credit Card
Pros
  • Customers get 1 complimentary Economy ticket on payment of joining fees as welcome benefit. 

  • Customers can also earn 2 CV points on every spend of Rs. 200. 

  • 1000 CV points on spending Rs 50,000 in the first 90 days

  • Customers also get a Complimentary Club Vistara Base Membership, and Two complimentary lounge access per quarter. 

  • On completing the Milestone spending customers can get bonus CV points and 3 Economy Class tickets. 

  • Purchase Protection Cover up to Rs.1 lakh Cover upto USD 300 for the following :
    Loss of Travel documents
    Delay of Check-In Baggage
    Loss of Check-In Baggage

Cons
  • You will be charged INR 1000 for redeeming an air ticket as taxes + service charges. 

  • Effectively your cash back is near to 1.5% which is quite low.

Pros & Cons
Welcome Benefits
  • 1 complimentary Economy ticket on joining

  • Complimentry Club Vistara Membership

Rewards System

Reward system: You earn 2 points for every INR 200 spend. Points can be redeemed for air tickets. Estimated value as per MyRupaya is INR 1.25 of each point. Effective cashback rate: 2.5%.

International Forex Markup

3.5% of the transaction value. 

Welcome Benefits and Reward System
Special Features

1 complimentary Economy ticket on joining.

Eligibility Criteria

Primary cardholder between the age of 18 years and 70 years.
Net income of Rs. 6,00,000 per annum.
Resident of India.

Benefits
  • Welcome gift: You will get a complimentary economy class ticket on joining the card.

  • Club Vistara Base membership: You will get a complimentary Club Vistara Base membership, which comes with benefits such as priority check-in, lounge access, and extra baggage allowance.

  • Milestone rewards: You will get bonus CV points and/or free flights when you achieve certain spending milestones.

  • Travel insurance: You will be covered by travel insurance when you use the card for travel-related expenses.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • You can apply for the Axis Bank Vistara Credit Card online or offline. Here are the steps on how to apply online:

  • Go to the Axis Bank Credit Card website. Search for Vistara Credit card. 

  • Click on the "Apply Now" button.

  • Enter your personal details such as your name, email address, and mobile number.

  • Enter your income and employment details.

  • Upload a scanned copy of your PAN card and Aadhaar card.

  • Select the credit limit you want.

  • Click on the "Submit" button.

  • An Axis Bank representative will contact you to verify your details and complete the application process.

Contact Details

1863 419 5555 & 1860 500 5555

Account Opening and Procedure
Axis Bank Vistara Credit Card

Axis Bank Vistara credit card is a good credit card for those individuals who travel a lot. However, its effective cashback rate is only 2.5% which is very low. Low cashback rate reduced it attraction for generic customers.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

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Fees & Charges
  • Joining fee: Rs. 1500 

  • Annual  fee - 2nd Year onwards: Rs. 1500

  • Cash withdrawal fee from ATM - 2.5% of the cash amount.

  • Late payment fee: charged depending on the customer’s Total amount due; ranges from Rs. 0 - 1200. 

  • Intereest rate: 3.6% per month (52.86% per annum).

  • Reward Redemption fee: You will be charged INR 1000 for redeeming an air ticket as taxes + service charges. 

  • Forex fee: 3.5%.

  • Fuel Surcharge fee: 1%

Fuel Surcharge

1% fuel surcharge, no waiver. 

Billing Cycle

30 Days

Fees & Charges
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