The Axis Bank Vistara Signature Credit Card has been one of the more popular co-branded airline cards in India, linking everyday spending to Maharaja Club Points and Premium Economy ticket rewards. Cardholders earn 4 Maharaja Points for every ₹200 of eligible spending, with points redeemable for Vistara and Air India flight upgrades and award tickets. A complimentary Maharaja Club Silver Membership is included on fee payment, bringing perks like priority check-in and extra baggage allowance.The milestone rewards structure is the card's strongest draw. Spending ₹1.5 lakh earns the first Premium Economy Class ticket voucher, with additional tickets at ₹3 lakh, ₹4.5 lakh, and ₹9 lakh cumulative spends. Combined with the welcome benefit of a Premium Economy ticket voucher on joining, active spenders can accumulate up to 5 complimentary tickets in a year.Lifestyle perks include 2 complimentary domestic airport lounge visits (subject to spend criteria), 3 rounds of golf at select courses, and monthly dining discounts through EazyDiner. Purchase protection covers up to ₹1 lakh, and basic travel insurance includes coverage for lost documents and delayed baggage. Wednesday Delight deals add savings on flights, hotels, food delivery, and beauty purchases through partner platforms.Vistara merged with Air India in November 2024, and Axis Bank has confirmed updated terms effective from April 18, 2025. The annual fee of ₹3,000 has been waived for all renewals going forward, improving the card's overall value. However, several transaction-level fees apply: 1% on rent and education payments, plus percentage-based charges on fuel, utility, wallet loads, and gaming spends above certain thresholds. The 3.5% foreign currency markup also makes this a poor choice for international transactions.
Pros
↑Up to 5 Premium Economy ticket vouchers per year (1 welcome plus 4 milestone) gives strong value for frequent domestic flyers, especially with the annual fee now waived
↑Complimentary Maharaja Club Silver Membership adds tangible airline perks like priority check-in and extra baggage allowance at no additional cost
↑4 Maharaja Points per ₹200 spent can be redeemed directly for flight upgrades and award tickets, giving the rewards a clear and usable redemption path
Cons
↓Only 2 domestic lounge visits per year (with spend criteria) is below average for a Signature-tier card, where competitors typically include 4 to 8 visits
↓3.5% foreign currency markup and no international lounge access make this card unsuitable for international travel
↓Multiple transaction-level fees (1% on rent, education, wallet loads, and percentage charges on fuel and utility spends above thresholds) reduce net value for heavy spenders
Dining
★2.5
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Monthly dining discounts at EazyDiner partner restaurants
One discounted visit per month
Wednesday Delight: 10% off on Swiggy and Amazon Fresh
No accelerated points category for dining
Milestone
★4.0
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1st Premium Economy ticket at ₹1.5 lakh spend
2nd ticket at ₹3 lakh cumulative spend
3rd ticket at ₹4.5 lakh cumulative spend
4th ticket at ₹9 lakh cumulative spend
Tickets awarded on milestone eligible spend categories
Reward Points
★3.5
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4 Maharaja Points per ₹200 of eligible spending
Points redeemable for flight upgrades and award tickets
No reward redemption fee
Certain categories excluded from point earning
Merchant Offers
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Wednesday Delight: 15% off flights and hotels via Goibibo and MakeMyTrip
10% off on Swiggy and Amazon Fresh
10% off up to ₹1,000 on Tira
3 complimentary golf rounds at select courses
Travel
★4.0
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Complimentary Premium Economy ticket voucher on joining and renewal
Up to 4 additional milestone ticket vouchers per year
Maharaja Club Silver Membership with priority check-in
Extra baggage allowance through club membership
Travel insurance for lost documents and baggage (up to $300)
Airport Lounge Access
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2 complimentary visits at select domestic airports
Subject to spending criteria
Primary cardholder only
No international lounge access
Emi
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Available on transactions above ₹1,500
Contact Axis Bank to convert purchases
Finance charges: 3.75% per month
Joining Fee
₹3,000
Annual Fee
₹3,000 (waived for all renewals from April 2025)
Annual Fee Waiver
Waived for all Vistara Credit Cards from next renewal cycle w.e.f. April 18, 2025
Monthly Percentage Rate
3.75%
Annual Percentage Rate
45%
Minimum Monthly Payment
5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup
3.5%
Late Payment Charges
Nil up to ₹500 due; ₹500 (₹501 to ₹5,000); ₹750 (₹5,001 to ₹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 lakhs per annum
Minimum Annual Income Self Employed
₹6 lakhs per annum (indicative)
Minimum Credit Score
700+ (indicative)
Identity Proof
PAN Card 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
Bank statement
Income Proof Self Employed
IT Return copy
Bank statement
Business registration proof
The joining fee is ₹3,000. On fee payment, you receive a complimentary Premium Economy Class ticket voucher and Maharaja Club Silver Membership. Add-on cards have no joining fee.
The standard annual fee is ₹3,000. However, Axis Bank has waived the annual fee for all Vistara Credit Cards from the next renewal cycle, effective April 18, 2025.
You earn 4 Maharaja Points for every ₹200 of eligible spending. These points can be redeemed for Vistara and Air India flight upgrades or award tickets. Certain categories like fuel, rent, and wallet loads may not earn points.
The card awards Premium Economy Class ticket vouchers at spending milestones: ₹1.5 lakh (1st ticket), ₹3 lakh (2nd), ₹4.5 lakh (3rd), and ₹9 lakh (4th). These are based on cumulative eligible spends during the membership year.
New cardholders receive a complimentary Premium Economy Class ticket voucher on fee payment. This benefit is also available on annual renewal. Terms and conditions apply to ticket booking and travel dates.
Maharaja Club Silver Membership is issued within 10 working days of joining or annual fee payment. Benefits include priority check-in, additional baggage allowance, and other airline privileges on Vistara and Air India flights.
The card gives 2 complimentary domestic airport lounge visits at select airports within India. Access is subject to spending criteria, and only the primary cardholder is eligible. International lounge access is not included.
Cardholders get 3 complimentary rounds of golf at select courses across India per membership year. Details on participating courses and booking are available on the Axis Bank credit card benefits page.
The card includes dining discounts once per month at partner restaurants through EazyDiner. Discount amounts and participating restaurants vary by location. Visit dining.eazydiner.com/axisbank for current listings.
The card includes Purchase Protection Cover up to ₹1 lakh. Travel insurance covers loss of travel documents, delay of check-in baggage, and loss of check-in baggage, with coverage up to $300 for certain categories.
Wednesday Delight gives up to 15% savings on flights and hotels via Goibibo and MakeMyTrip, 10% off on Swiggy and Amazon Fresh orders, and 10% off (up to ₹1,000) on Tira. These deals are available every Wednesday and may change periodically.
Yes, any transaction above ₹1,500 can be converted to EMI by contacting Axis Bank. Finance charges of 3.75% per month apply to EMI balances. The minimum transaction amount for EMI conversion is ₹1,500.
The finance charge is 3.75% per month on both retail purchases and cash advances. This applies to any outstanding balance carried forward past the payment due date. Paying the full statement amount by the due date avoids these charges.
A 3.5% foreign currency transaction fee applies to all international transactions. An additional 1.5% Dynamic Currency Conversion markup applies when international transactions are processed in Indian currency. These charges make the card less suitable for overseas spending.
Late payment charges depend on the total amount due: nil if under ₹500, ₹500 for ₹501 to ₹5,000, ₹750 for ₹5,001 to ₹10,000, and ₹1,200 for amounts above ₹10,000. An additional ₹100 applies if the Minimum Amount Due is missed for two consecutive billing periods.
Cash advances carry a fee of 2.5% of the withdrawal amount, with a minimum charge of ₹500. Interest at 3.75% per month applies from the date of withdrawal with no interest-free period.
The card does not list a specific fuel surcharge waiver benefit. A 1% fee applies on cumulative fuel transactions exceeding ₹50,000 within a single statement cycle. For fuel transactions below the ₹50,000 threshold, no additional fee applies.
A 1% fee per transaction applies on all rental payments, applicable from March 2023. Rent transactions may also be excluded from milestone spend calculations and annual fee waiver thresholds.
Yes, a 1% fee applies on each education payment made through third-party apps. Direct payments to educational institutions may have different treatment. Check with Axis Bank for specific merchant category details.
Vistara merged with Air India in November 2024. Axis Bank has updated the credit card terms and conditions, with further changes effective from April 18, 2025. Maharaja Points and milestone benefits continue under the revised programme, and the annual fee has been waived for all card renewals.
The primary cardholder must be between 18 and 70 years old and a resident of India. Minimum annual income required is ₹6 lakhs. The bank reserves the right to approve or decline applications based on internal assessment criteria.
Required documents include a PAN Card (or Form 60), income proof such as latest payslip, Form 16, or IT return, and address proof like a driving license or electricity bill. Additional documents may be requested depending on the application.
Yes, add-on cards are available at no joining or annual fee. Add-on card transactions earn the same Maharaja Points as the primary card. Spending on add-on cards counts toward the primary card's milestone thresholds.
A charge of 2.5% applies when spending exceeds the assigned credit limit, with a minimum charge of ₹500. Keeping usage within the credit limit avoids this charge entirely.
Maharaja Points can be redeemed for Vistara and Air India flight upgrades and award tickets. There is no redemption fee. Points must be redeemed through the airline loyalty programme portal. Check the Axis Bank website for current redemption options and conversion rates.