Welcome benefit: Users will get 1 complimentary economy ticket voucher on joining and a complimentary Club Vistara membership. Customers can also earn 2 CV points on every spend of Rs 200.
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Axis Bank Vistara Credit Card
Rewards & Benefits
Welcome Benefits
Welcome benefit: Users will get 1 complimentary economy ticket voucher on joining and a complimentary Club Vistara membership. Customers can also earn 2 CV points on every spend of Rs 200.
Milestone Benefits
Cardholders will get economy ticket voucher on achieving the following spends in any given year (a) INR 1,25,000, (b) INR 2,50,000, (c) INR 6,00,000.
Cashback Rate
Users will earn 2 points for every INR 200 spent.
Points can be redeemed for air tickets. The estimated value as per MyRupaya is INR 1.25 for each point. Effective cashback rate: 2.5%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Purchase Protection cover up to Rs Rs 1 Lakhs. Customers get a complimentary Club Vistara membership. Every Wednesday (a) 15% off on flights and hotels via GoIbibo and MakemyTrip, (b) 10 off on order via Swiggy and Amazon Fresh and (c) 10% off upto INR 1,000 on Tira.
Lounge Access
Customers also get a complimentary Club Vistara Base membership and 2 complimentary lounge access per quarter.
Rewards & Benefits
Welcome Benefits
Welcome benefit: Users will get 1 complimentary economy ticket voucher on joining and a complimentary Club Vistara membership. Customers can also earn 2 CV points on every spend of Rs 200.
Milestone Benefits
Cardholders will get economy ticket voucher on achieving the following spends in any given year (a) INR 1,25,000, (b) INR 2,50,000, (c) INR 6,00,000.
Cashback Rate
Users will earn 2 points for every INR 200 spent.
Points can be redeemed for air tickets. The estimated value as per MyRupaya is INR 1.25 for each point. Effective cashback rate: 2.5%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Purchase Protection cover up to Rs Rs 1 Lakhs. Customers get a complimentary Club Vistara membership. Every Wednesday (a) 15% off on flights and hotels via GoIbibo and MakemyTrip, (b) 10 off on order via Swiggy and Amazon Fresh and (c) 10% off upto INR 1,000 on Tira.
Lounge Access
Customers also get a complimentary Club Vistara Base membership and 2 complimentary lounge access per quarter.
Fees & Charges
Joining Fee
Rs. 1500
Annual Fee
2nd Year onwards: Rs. 1500
Cash Advance Fee
Cash withdrawal fee from ATM - 2.5% of the cash amount.
Interest rate
3.6% per month (43.9% per annum).
Late Payment Fee
Late payment fee: charged depending on the customer’s Total amount due; ranges from Rs. 0 - 1200.
Foreign Currency Transactions Fee
3.50%
Other Fees
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%
Fees & Charges
Joining Fee
Rs. 1500
Annual Fee
2nd Year onwards: Rs. 1500
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
3.6% per month (43.9% per annum).
Late Payment Fee
Late payment fee: charged depending on the customer’s Total amount due; ranges from Rs. 0 - 1200.
Foreign Currency Transactions Fee
3.50%
Other Fees
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%
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.
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 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.
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
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai