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Axis Bank Vistara Credit Card

MyRupaya Ratings
average rating is 3 out of 5

MyRupaya Ratings

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

Recommended Credit Cards

Pros:-

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Cons:-

  • 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

  • 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.

MakeMyTrip ICICI Bank Credit Card

MakeMyTrip ICICI Bank Credit Card is a decent travel credit card. It gives your low forex charges, lounge benefits, and free membership to MMTBlack. It completely justified its fees.

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

Product Review
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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