Axis Bank Vistara Credit Card

Name: Axis Bank Vistara Credit Card
Brand: Axis Bank
Price: 1500 INR
Availability: InStock
Rating: 2.8 (1 reviews)

Overview

The Axis Bank Vistara Credit Card was built around the Vistara airline's loyalty programme, earning Maharaja Points that could be redeemed for flights and upgrades. Following the Vistara and Air India merger completed in November 2024, these points now connect to Air India's network. Cardholders earn 2 Maharaja Points for every ₹200 of eligible spend, translating to roughly 1 point per ₹100. The earn rate is modest compared to premium travel cards, but the points feed directly into one of India's largest airline loyalty programmes.Previously, this card stood out for offering a complimentary economy class ticket on joining and renewal, plus up to 3 milestone tickets at spend thresholds of ₹1.25 lakh, ₹2.5 lakh, and ₹6 lakh. However, Axis Bank noted that these specific benefits apply to cards renewed before April 2025. New enrollees after that date should verify the current terms, as the welcome ticket and milestone flight benefits may have been modified or discontinued under the updated terms and conditions.Current confirmed benefits include 2 complimentary domestic airport lounge visits (subject to spend criteria), purchase protection up to ₹1 lakh, and travel insurance covering loss of travel documents and check-in baggage up to USD 300. Wednesday Delight deals provide up to 15% off on flights and hotels through Goibibo and MakeMyTrip, plus 10% discounts on Swiggy, Amazon Fresh, and Tira. Dining discounts are available once per month through Axis Bank EazyDiner, and EMI conversion is possible on transactions above ₹1,500.At ₹1,500 for both joining and annual fees, the card sits at the entry level of the Axis Bank Vistara range, below the Signature and Infinite variants. Standard Axis Bank transaction fees apply: 3.50% foreign currency markup, 1% on rent payments, 1% on education payments via third-party apps, and tiered fees on utility and fuel transactions above certain thresholds. The card works best for existing Air India frequent flyers who want to accumulate Maharaja Points through everyday spending, though the ongoing loyalty programme transition means benefits could change further.

Pros

↑Maharaja Points earned on every purchase connect directly to Air India's loyalty programme, allowing redemption for flights and upgrades on India's largest full-service carrier
↑Wednesday Delight deals offering up to 15% off flights and hotels via Goibibo and MakeMyTrip add recurring travel savings beyond the base points earning
↑Travel insurance covering lost baggage and documents up to USD 300 plus ₹1 lakh purchase protection are useful inclusions for a ₹1,500 annual fee card

Cons

↓Maharaja Points earn rate of 2 per ₹200 (roughly 1 per ₹100) is below average, requiring significant spending to accumulate enough points for meaningful redemptions
↓Welcome ticket voucher and milestone flight benefits appear discontinued for cards enrolled after April 2025, reducing the card's core value proposition significantly
↓Only 2 domestic lounge visits subject to spend criteria, with no international lounge access, limits the travel perks compared to similarly priced competitor cards

Key Highlights

Welcome Offer
2 Maharaja Points per ₹200 eligible spend
2 Maharaja Points per ₹200 on eligible spends
Redeemable for Air India flights and upgrades
Earn rate: roughly 1 point per ₹100
Points linked to Air India post-Vistara merger

Reward Rate
2 domestic lounge visits/year
Complimentary at select domestic airports
2 visits per year
Subject to spend criteria
Primary cardholder only

Minimum Salary
18-70 years, ₹6L+ income, Indian resident
Age: 18 to 70 years
Minimum income: ₹6,00,000 per annum
Must be an Indian resident
Credit score 700+ preferred

Joining Fee
₹1,500
Joining fee: ₹1,500
Welcome ticket benefit subject to revised April 2025 terms
Add-on card joining fee: Nil

Annual Fee
₹1,500
Annual fee: ₹1,500 from 2nd year
Spend-based waiver not publicly listed
Add-on card annual fee: Nil

Why Choose?
Air India points with travel insurance
Maharaja Points for Air India redemptions
Travel insurance up to USD 300
Purchase protection up to ₹1 lakh
Wednesday Delight deals on flights and hotels

Key Benefits

Dining

★2.5

▼

Dining discounts once per month at partner restaurants via Axis Bank EazyDiner
Standard 2 Maharaja Points per ₹200 on dining transactions
No separate accelerated earning category for dining

Fuel

★2.5

▼

No specific fuel surcharge waiver highlighted in current benefits
1% fee on cumulative fuel transactions above ₹50,000 per statement cycle
Standard Maharaja Points earned on fuel transactions at 2 per ₹200

Reward Points

★3.0

▼

2 Maharaja Points per ₹200 eligible spend
Roughly 1 point per ₹100 (below average earn rate)
Points linked to Air India post-merger
No redemption fee charged
Welcome ticket and milestone benefits subject to April 2025 T&C revision

Shopping

★2.5

▼

2 Maharaja Points per ₹200 on all retail purchases
EMI conversion on transactions above ₹1,500
1% rent transaction fee applies
No accelerated shopping category

Merchant Offers

▼

Wednesday Delight: 15% off flights/hotels via Goibibo and MakeMyTrip
10% off on Swiggy, Amazon Fresh
Up to ₹1,000 off on Tira
Axis Bank EazyDiner dining discounts

Travel

★3.5

▼

2 Maharaja Points per ₹200 on eligible spends
Points redeemable for Air India flights and upgrades
Travel insurance up to USD 300 (lost docs, baggage)
Purchase protection up to ₹1 lakh
3.50% foreign currency markup on international transactions

Airport Lounge Access

▼

2 complimentary domestic lounge visits per year
Subject to spend criteria
Select airports only
No international lounge access
Primary cardholder only

Emi

▼

Available on transactions above ₹1,500
Contact Axis Bank to convert
Finance charges: 3.75% per month

Detailed Information

Joining Fee	₹1,500
Annual Fee	₹1,500 from 2nd year
Annual Fee Waiver	Not publicly listed
Monthly Percentage Rate	3.75%
Annual Percentage Rate	55.55%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.50%
Late Payment Charges	Nil up to ₹500 due; ₹500 (₹501-₹5,000); ₹750 (₹5,001-₹10,000); ₹1,200 (above ₹10,000)
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹500)
Card Replacement Fee	Nil
Fee For Duplicate Statement	Waived
Fee For Cheque Bounce	2% of payment amount (min ₹500)

Age Requirement Salaried	18-70 years
Age Requirement Self Employed	18-70 years
Minimum Annual Income Salaried	₹6,00,000 per annum
Minimum Annual Income Self Employed	₹6,00,000 per annum
Minimum Credit Score	700+ (indicative)

Identity Proof	PAN Card (mandatory) or Form 60 Passport Driving License Aadhaar Card
Address Proof	Driving License Electricity bill Landline telephone bill Aadhaar Card
Income Proof Salaried	Latest payslip Form 16 IT return copy
Income Proof Self Employed	IT return copy Business proof Bank statement

Frequently Asked Questions

The joining fee is ₹1,500. This is the entry-level card in the Axis Bank Vistara range, below the Vistara Signature and Vistara Infinite variants.

The annual fee is ₹1,500 from the second year onward. A spend-based annual fee waiver is not publicly listed on the Axis Bank website. Check with the bank for current waiver conditions.

You earn 2 Maharaja Points for every ₹200 of eligible spending. These points can be redeemed for Air India flights, cabin upgrades, and other benefits through the loyalty programme.

Vistara merged with Air India in November 2024. Axis Bank updated the card terms effective November 2024 and again in April 2025. The card continues to earn Maharaja Points, now linked to Air India.

The complimentary economy class ticket voucher on fee payment was listed as a benefit for cards renewed before April 2025. New enrollees should check with Axis Bank for current welcome benefits, as the terms have been updated.

Milestone economy ticket vouchers at ₹1.25 lakh, ₹2.5 lakh, and ₹6 lakh spend were benefits for cards renewed before April 2025. Current terms may differ, and new applicants should verify directly with Axis Bank.

You receive 2 complimentary domestic airport lounge visits per year at select airports. These visits are subject to spending criteria. International lounge access is not included with this card.

The card includes purchase protection up to ₹1 lakh and coverage up to USD 300 for loss of travel documents, delay of check-in baggage, and loss of check-in baggage.

Yes. Dining discounts are available once per month at partner restaurants through Axis Bank EazyDiner. Regular dining transactions earn 2 Maharaja Points per ₹200 spent.

Wednesday Delight provides up to 15% instant savings on flights and hotels through Goibibo and MakeMyTrip. You also get 10% off on Swiggy, Amazon Fresh, and up to ₹1,000 off on Tira.

Yes. Transactions above ₹1,500 can be converted to EMI by contacting Axis Bank. Finance charges of 3.75% per month apply to the converted balance.

The primary cardholder must be between 18 and 70 years old and a resident of India. Minimum net income of ₹6,00,000 per annum is required. Approval is at the bank's discretion.

You need a PAN Card or Form 60, income proof such as latest payslip, Form 16, or IT return copy, and residence proof such as Driving License, electricity bill, or landline telephone bill.

Finance charges are 3.75% per month, translating to approximately 55.55% per annum. This applies to any unpaid balance carried past the due date. Paying the full statement balance each month avoids interest.

Fees are tiered: nil up to ₹500 due, ₹500 for ₹501 to ₹5,000, ₹750 for ₹5,001 to ₹10,000, and ₹1,200 above ₹10,000. An extra ₹100 applies if the minimum due is missed for two consecutive billing periods.

International transactions attract a 3.50% foreign currency markup. An additional 1.5% dynamic currency conversion markup applies when transacting in Indian rupees at international locations.

The current benefits section does not specifically highlight a fuel surcharge waiver for this card. A 1% fee applies on cumulative fuel transactions exceeding ₹50,000 per statement cycle.

Cash withdrawals attract a fee of 2.5% of the withdrawn amount, with a minimum of ₹500. Interest at 3.75% per month starts from the withdrawal date with no interest-free period.

Yes. A 1% fee per transaction applies to all rental payments made using the card. This fee applies across all Axis Bank credit cards in the Vistara range.

Points can be redeemed for Air India award flights, cabin upgrades, and other benefits. Following the Vistara merger, redemption is through the combined Air India loyalty programme. No redemption fee is charged.

Yes. Add-on or supplementary cards are available at no additional joining or annual fee. Spending on add-on cards earns Maharaja Points at the same 2 per ₹200 rate.

The overlimit penalty is 2.5% of the amount exceeding your credit limit, with a minimum charge of ₹500 plus applicable taxes.

This card is the entry-level Vistara variant with a lower fee and fewer lounge visits than the Signature. The Signature card offers additional benefits including more lounge access. Both earn Maharaja Points at 2 per ₹200.

Yes. The card works internationally, but a 3.50% foreign currency markup and an additional 1.5% dynamic currency conversion fee make it costly for overseas purchases.

A 1% fee applies on cumulative utility spends above ₹25,000 per statement cycle. Education payments through third-party apps incur a 1% fee per transaction. Online skill-based gaming above ₹10,000 cumulative per statement also attracts 1%.