Axis Bank Vistara Credit Card – Benefits, Fees & Eligibility

Axis Bank Vistara Credit Card

Introduction

The Axis Bank Vistara Credit Card is designed to enhance travel experiences for customers, offering complimentary flight tickets as a welcome bonus. Cardholders earn Club Vistara Points on every spend, with a rate of 2 points for every Rs. 200 spent, which can be easily redeemed for flight bookings and upgrades on the Club Vistara website. The card provides various travel benefits, including complimentary airport lounge access, and also extends exciting dining discounts through the Axis Bank Dining Delights program. It comes with a nominal joining fee of Rs. 1,500 plus GST, offering bonus Club Vistara Points and additional complimentary economy class ticket vouchers based on annual spending milestones.

Welcome Benefits

• Receive a complimentary Economy Class ticket voucher as a welcome gift upon successful payment of the joining fee.
• This benefit is also available annually upon renewal of the Credit Card membership.
• The welcome voucher is added to the cardholder's Club Vistara (CV) account and is valid for 3 months from the date of issuance.
• Enjoy complimentary Maharaja Club Membership (also referred to as Club Vistara Base Membership).
• Earn 1,000 bonus Club Vistara Points on spending Rs. 50,000 or more within the first 90 days after card issuance.

Fees

• Joining Fee: Rs. 1,500 + GST
• Annual Fee (2nd year onwards): Rs. 1,500 + GST
• Add-on Card Joining Fee: Nil
• Add-on Card Annual Fee: Nil
• Finance Charges (Retail Purchases & Cash): 3.75% per month (52.86% annually)
• Cash Withdrawal Fees: 2.5% of the cash amount, subject to a minimum of Rs. 500
• Fee for Cash Payment: Rs. 175/-
• Card Replacement Fee: Nil
• Duplicate Statement Fee: Waived
• Overdue Penalty or Late Payment Fee:
  • Nil if Total Payment Due is Less Than Rs. 500
  • Rs. 500 if Total Payment Due is Between Rs. 501 - Rs. 5,000
  • Rs. 750 if Total Payment Due is Between Rs. 5,001 - Rs. 10,000
  • Rs. 1,200 if Total Payment Due is Greater Than Rs. 10,000
  • An additional charge of Rs. 100 will be applicable if the payment of Minimum Amount Due (MAD) is not made by the Payment Due Date (PDD) for two consecutive billing periods.
• Over Limit Penalty: 2.5% of the over limit amount, subject to a minimum of Rs. 500
• Chargeslip Retrieval Fee or Copy Request Fee: Waived
• Outstation Cheque Fee: Waived
• Cheque return or Dishonour Fee or Auto Debit Reversal: 2% of the payment amount, subject to a minimum of Rs. 500
• Surcharge on purchase or cancellation of Railway Tickets: As prescribed by IRCTC/Indian Railways
• Fuel Transaction Surcharge: 1% fee will be levied on cumulative fuel transactions of Rs. 50,000 or more in a statement cycle.
• Education Transaction Fee: 1% fee will be applicable on each education payment done through third-party apps.
• Utility Transaction Fee: 1% fee will be levied on cumulative spends of Rs. 25,000 or more made towards utility payments in a statement cycle within a statement period.
• Online Skill-Based Gaming Fee: 1% fee will be applicable for cumulative spends of Rs. 10,000 or more on online skill-based gaming platforms in a statement period.
• Foreign Currency Transaction Fee: 3.5% of the transaction value
• Mobile Alerts for Transactions: Waived
• Hotlisting Charges: Waived
• Balance Enquiry Charges: Waived
• Reward Redemption Fee: Nil
• Rent Transaction Fee (Applicable from 5th March 2023): 1% per transaction on rental transactions.
• Wallet Load Transaction Fee: 1% fee will be levied on cumulative wallet load transactions of Rs. 10,000 or more in a statement cycle.
• Dynamic Currency Conversion Markup (Applicable from 5th March 2023): 1.5% on International Transactions performed in Indian currency at international locations or transactions performed in Indian currency with merchants located in India but registered in a foreign nation.

Rewards

• Rewards Rate: Earn 2 Club Vistara (CV) Points (also referred to as Maharaja Points) for every Rs. 200 of eligible spends on the Axis Bank Vistara Credit Card.
• Wallet Reloads: No CV Points are earned on wallet reloads using this credit card.
• Milestone Benefits:
  • Achieve milestone spends to earn bonus Club Vistara Points and up to 3 Economy Class ticket vouchers.
  • Spend Rs. 50,000 or more within the first 90 days after card issuance to get 1,000 bonus CV Points.
  • Spend Rs. 1,25,000 or more annually to receive 1 Economy Class ticket voucher.
  • Spend Rs. 2,50,000 or more annually to receive an additional 1 Economy Class ticket voucher.
  • Spend Rs. 6,00,000 or more annually to receive a third Economy Class ticket voucher.
  • Tickets are awarded on milestone eligible spend categories.
• Travel Benefits:
  • Receive 2 complimentary domestic lounge access per quarter at select airport lounges within India, subject to specific spend criteria.
  • Enjoy complimentary Club Vistara Base Membership.
  • International Lounge Access: Not applicable (None mentioned).
• Dining Benefits:
  • Get a 25% discount, up to Rs. 800, once per month at partner restaurants with the Axis Bank EazyDiner Program.
• Insurance Benefits:
  • Purchase Protection Cover up to Rs. 1 lakh.
  • Cover up to USD 300 for:
    • Loss of Travel documents.
    • Delay of Check-In Baggage.
    • Loss of Check-In Baggage.
• Lifestyle Privileges:
  • Convert any transaction over Rs. 1,500 into EMIs by contacting the bank.
• Wednesday Delight Offers:
  • Instant savings of up to 15% on flights & hotels via Goibibo and Makemytrip.
  • 10% off on orders via Swiggy and Amazon Fresh.
  • 10% off up to Rs. 1000 on Tira.

Rewards Redemption Guide

The Club Vistara Points earned using your Axis Bank Vistara Credit Card can be redeemed by following these simple steps on the Club Vistara official website:

• Visit the Club Vistara website and log in to your Club Vistara (CV) account.
• Click on the option ‘Redeem Now.’
• Click on the option ‘Redeem flights.’
• Choose the flight against which you want to redeem your Club Vistara Points and click on ‘Next.’
• Check the flight details and click on ‘Next’ again.
• Enter the details of passengers and click on ‘Next.’
• Select the payment method and fill in all the required details.
• These points can be redeemed against award flight bookings for up to 8 nominees.

Card Eligibility Criteria

Eligibility Rules

• The primary cardholder should be between 18 and 70 years of age.
• The individual should be a Resident of India.
• The minimum net annual income required for the Vistara Platinum card is Rs. 6,00,000 or more.
• Note: The above criteria are indicative; the bank reserves the right to approve or decline applications.

Documents Required

• Identity Proof: PAN Card photocopy or Form 60.
• Proof of Income: Latest payslip / Form 16 / IT Return / Latest salary slip / ITR.
• Residence Proof: Driving License / Electricity Bill / Landline Telephone Bill / Ration Card / Passport / Utility bills.
• Note: The list of documents is indicative, and requirements may vary on a case-to-case basis.

Card Review

The Axis Bank Vistara Credit Card is an excellent entry-level credit card, particularly for frequent travelers. It offers a rewarding experience by providing Club Vistara Points on all expenditures and includes complimentary airport lounge access every quarter, which significantly enhances the travel experience with an added touch of luxury and savings on flight tickets.

Beyond travel perks, the card also provides a range of other valuable benefits, such as dining offers, attractive milestone bonuses, and comprehensive insurance coverage. These features collectively present a compelling reason to consider this card. Overall, the Axis Bank Vistara Credit Card is a strong choice for individuals who enjoy traveling and seek to maximize rewards and savings on their journeys.

Important Product Details

• Receive an economy class ticket voucher as both a welcome and annual renewal gift.
• Earn 2 Club Vistara (CV) Points for every Rs. 200 spent.
• Benefit from a 25% discount, up to Rs. 800, at partner restaurants through the Axis Bank EazyDiner Program.
• Enjoy complimentary airport lounge access.
• Get bonus CV Points for spending Rs. 50,000 within the first 3 months of card issuance.
• Earn up to 3 complimentary economy class ticket vouchers upon achieving specified annual spending milestones.
• Benefit from insurance coverage for lost travel documents, delayed, or lost check-in baggage.
• Access zero liability protection in case of a lost or stolen card.
• Receive a 1% fuel surcharge waiver.

Other Details

• Upcoming Terms and Conditions Updates:
  • The Terms and Conditions of Axis Bank Vistara Credit Card will be updated effective 18th April 2025.
  • Following the Vistara and Air India merger, the Axis Bank Vistara Platinum Credit Card Terms & Conditions will be updated, effective 12th November 2024.
• How to Apply:
  • Apply by visiting the nearest Axis Bank branch.
  • Apply online through the official website of Axis Bank by filling in a few details, being ready with documents, and completing formalities as instructed.
• Customer Care:
  • To know your credit card balance: Contact 1800-419-5959 or send an SMS BAL to 56161600 or +918691000002.
  • To get your mini statement: Contact 1800-419-6969 or send SMS MINI to 56161600 or +918691000002.