Axis Bank Vistara Credit Card – Benefits, Fees & Eligibility

Introduction

The Axis Bank Vistara Credit Card, issued by Axis Bank, is positioned as an entry-level credit card designed to enhance travel experiences for its customers. It offers Club Vistara Points on every spend, complimentary airport lounge access, and a welcome benefit of an economy class ticket voucher. This card aims to provide rewarding experiences and savings for frequent travelers. Please note that the sourcing of Axis Bank Vistara Credit Cards has been discontinued.

Welcome Benefits

• A complimentary Economy class ticket voucher is provided as a welcome benefit upon successful payment of the joining fee. The voucher is added to the cardholder's Club Vistara account and is valid for 3 months from the date of issuance.
• Earn 1,000 bonus Club Vistara Points on spending Rs. 50,000 or more within the first 90 days after card issuance.
• Receive a complimentary Club Vistara Base Membership.

Fees

• Joining Fee: Rs. 1,500 + GST
• Annual Fee: Rs. 1,500 + GST
• Spend-Based Waiver: None explicitly mentioned for annual fee waiver. Milestone benefits are for tickets/points, not fee waiver.
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: 3.5% of the transaction amount/value.
• Interest Rates (Finance Charges): 3.6% per month (52.86% annually) for Retail Purchases & Cash.
• Fuel Surcharge: A 1% fee will be levied on cumulative fuel transactions of ₹50,000 or more in a statement cycle.
• Cash Advance Charges: 2.5% of the amount withdrawn, subject to a minimum of Rs. 500.
• Fee for Cash Payment: ₹175/-
• Card Replacement: Nil
• Duplicate Statement Fee: Waived
• OverDue Penalty or Late Payment Fee:
  • Nil if Total Payment Due is less than ₹500.
  • ₹500 if Total Payment Due is between ₹501 - ₹5,000.
  • ₹750 if Total Payment Due is between ₹5,001 - ₹10,000.
  • ₹1200 if Total Payment Due is greater than ₹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 (Minimum ₹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 ₹500.
• Surcharge on purchase or cancellation of Railway Tickets: As Prescribed by IRCTC/Indian Railways.
• 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 ₹25,000 or more made towards utility payments in a statement cycle.
• Online Skill-Based Gaming Fee: 1% fee will be applicable for cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement period.
• Mobile Alerts for Transactions: Waived
• Hotlisting Charges: Waived
• Balance Enquiry Charges: Waived
• Rent Transaction Fee (Applicable from 5th March 2023): 1% Per Transaction On Rental Transactions.
• 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 Points (also referred to as Maharaja Points) for every Rs. 200 of eligible spends.
• Exclusions: No Club Vistara Points are earned on wallet reloads using your credit card.

Milestone Benefits

• Bonus CV Points: Earn 1,000 bonus Club Vistara Points on spending Rs. 50,000 or more within the first 90 days after card issuance.
• Complimentary Economy Class Tickets (within one year):
  • 1st Economy Class ticket voucher on spending Rs. 1,25,000 or more.
  • 2nd Economy Class ticket voucher on spending Rs. 2,50,000 or more.
  • 3rd Economy Class ticket voucher on spending Rs. 6,00,000 or more.
  • A total of up to 3 complimentary economy class ticket vouchers can be earned annually based on these milestone spends.

Travel Benefits

• Domestic Lounge Access: Get 2 complimentary domestic lounge access per quarter at select participating lounges in India (subject to spends criteria).
• Club Vistara Membership: Receive a complimentary Club Vistara Base membership.
• Wednesday Delight (Travel): Instant savings of up to 15% on flights & hotels via Goibibo and Makemytrip every Wednesday.

Dining Benefits

• Axis Bank EazyDiner Program: Enjoy a 25% discount up to Rs. 800 at participating restaurants with the Axis Bank EazyDiner Program.
• Wednesday Delight (Dining): 10% off on orders via Swiggy and Amazon Fresh every Wednesday.

Insurance Benefits

• Purchase Protection Cover: Up to Rs. 1 Lakh.
• Loss of Travel Documents: Cover up to US $300.
• Lost Baggage: Cover up to US $300.
• Delayed Baggage: Cover up to US $300.
• Zero Liability Protection: Against lost/stolen card.

Lifestyle Privileges

• Wednesday Delight (Shopping): 10% off up to Rs. 1000 on Tira every Wednesday.

Rewards Redemption Guide

Club Vistara Points earned can be redeemed easily by following these steps:

• Visit the Club Vistara official website and log in to your Club Vistara 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 & fill in all the required details.
• These points can be redeemed against award flight bookings for up to 8 nominees.

Card Eligibility Criteria

• Age: The applicant’s age should be between 18 years and 70 years.
• Residency: The applicant should be a resident of India.
• Net Annual Income: The applicant should have a net annual income of Rs. 6,00,000 or more.

Documents Required

• Identity Proof: Copy of PAN card or Form 60.
• Address Proof: Ration Card / Passport / Utility bills / Driving License / Electricity bill / Landline telephone bill.
• Income Proof: Latest salary slip / Form 16 / ITR copy.

Card Review

The Axis Bank Vistara Credit Card is an entry-level credit card well-suited for travelers. Its primary appeal lies in earning Club Vistara Points on all spends and providing complimentary airport lounge access every quarter, offering both savings on flight tickets and a more luxurious travel experience. Beyond travel, the card offers valuable dining discounts, attractive milestone benefits, and essential insurance coverage. Overall, it presents a strong value proposition for individuals who frequently travel and seek a rewarding credit card experience.

Important Product Details

• An economy class ticket voucher is provided as a welcome and renewal gift.
• Earn 2 Club Vistara Points on every Rs. 200 spent with the card.
• Enjoy a 25% discount up to Rs. 800 at restaurants with the Axis Bank EazyDiner Program.
• Receive 2 complimentary domestic airport lounge access per quarter.
• Earn bonus Club Vistara Points for spending Rs. 50,000 within the first 3 months.
• Opportunity to earn up to 3 complimentary economy class ticket vouchers annually on achieving milestone spends.
• Comprehensive insurance coverage including Rs. 1 Lakh Purchase Protection Cover and up to USD 300 for loss of travel documents, delay, or loss of check-in baggage.
• Features zero liability protection against lost/stolen cards.
• A 1% fee is levied on cumulative fuel transactions of ₹50,000 or more in a statement cycle.
• Sourcing of Axis Bank Vistara Credit Cards has been discontinued.

Other Details

• How to Apply: You can apply for the Axis Bank Vistara Credit Card by visiting the nearest Axis Bank branch or through the official website of Axis Bank. Online application involves filling 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.
• Terms & Conditions: The Terms and Conditions of Axis Bank Vistara Credit Card will be updated w.e.f 18th April'25. Following the Vistara and Air India merger, the Axis Bank Vistara Platinum Credit Card Terms & Conditions will be updated, effective 12th November'24.