Axis Bank Vistara Infinite Credit Card – Benefits, Fees & Eligibility

Introduction

The Axis Bank Vistara Infinite Credit Card is designed as a premium offering for frequent fliers who desire a superior travel experience. It provides a complimentary business class ticket as a welcome benefit and numerous milestone benefits that can be redeemed for business class flight tickets or Club Vistara points. Cardholders also receive complimentary Maharaja Club Gold Membership, offering additional air miles (Maharaja Club points) and exclusive privileges like priority check-in, priority boarding, and extra luggage allowance on Air Vistara flights. This premium credit card further extends Axis Bank's exclusive privileges such as 24x7 concierge service and complimentary golf rounds at India’s top golf destinations. The Terms and Conditions of this card will be updated effective 18th April 2025 and 12th November 2024, following the Vistara and Air India merger.

Welcome Benefits

• Complimentary Business Class ticket voucher on fee payment.
• The complimentary Business Class ticket voucher is also provided every year on renewal of the credit card membership.
• Complimentary Maharaja Club Gold Membership on fee payment, effective March 1, 2024, credited basis predefined conditions.
  • This membership includes exclusive privileges such as priority check-in, priority boarding, additional baggage allowance, and priority baggage handling.

Fees

• Joining Fee: Rs. 10,000 + GST
• Annual Fee (2nd year onwards): Rs. 10,000 + GST
• Spend-Based Waiver: Not applicable
• Add-on Card Joining Fee: Nil
• Add-on Card Annual Fee: Nil
• Finance Charges (Retail Purchases & Cash): 3.75% per month (45% per annum)
• Cash Withdrawal Fees: 2.5% of the Cash Amount (Minimum INR 500)
• Fee for Cash Payment: Rs. 175/-
• Card Replacement: 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. 1200 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 (Minimum 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 Minimum Rs. 500
• Surcharge on purchase or cancellation of Railway Tickets: As prescribed by IRCTC/Indian Railways
• Fuel Transaction Surcharge:
  • 1% waiver on fuel surcharge for all fuel transactions between Rs. 400 & Rs. 4,000.
  • 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: 3.50% of the transaction value (plus applicable taxes).
• Mobile Alerts for Transactions: Waived
• Hotlisting Charges: Waived
• Balance Enquiry Charges: Waived
• Rewards 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 Transaction Performed in Indian currency at international location or transactions performed in Indian currency with merchants located in India but registered in foreign nation.

Rewards

• Rewards Rate:
  • Earn 6 Club Vistara (CV) Points for every Rs. 200 of eligible spends on the Axis Bank Vistara Infinite Credit Card.
  • No reward points are earned on fuel spends.
  • With complimentary Club Vistara Gold Tier membership, you earn an additional 10 CV Points per Rs. 100 spent on Vistara (this is in addition to the card's CV Points benefit).
• Milestone Benefits:
  • Get bonus Maharaja Club Points and up to 4 Business Class ticket vouchers on achieving the milestone spends.
  • 10,000 bonus CV Points on spending Rs. 1,00,000 in the first 90 days from card issuance.
  • 1st Business Class Ticket Voucher on spending Rs. 2,50,000 in a year.
  • 2nd Business Class Ticket Voucher on spending Rs. 5,00,000 in a year.
  • 3rd Business Class Ticket Voucher on spending Rs. 7,50,000 in a year.
  • 4th Business Class Ticket Voucher on spending Rs. 12,00,000 in a year.
  • Tickets are awarded on milestone eligible spends categories.
• Travel Benefits:
  • 2 Complimentary lounge access per quarter at select airports within India, subject to spends criteria.
  • Complimentary Club Vistara Gold membership.
  • 24x7 dedicated concierge service for travel, flight/hotel bookings, dining, shopping, etc.
  • Airport transfer service.
• Dining Benefits:
  • Up to 40% discount (up to Rs. 1000) at partner restaurants all over India under Axis Bank’s EazyDiner program, once per month.
• Golf Benefits: Enjoy 6 complimentary rounds of golf annually at some of India’s most picturesque and premium destinations.
• 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
  • Detailed cover and claim procedures are subject to Terms and Conditions.
• Lifestyle Privileges:
  • Explore curated experiences from across the world with Extraordinary Weekends.
  • Up to 15% off on Trident properties (Terms & Conditions apply).
• Convert Purchases to EMI: On any transaction over Rs. 1,500, cardholders can contact the Bank to convert a credit card purchase into EMIs.

Rewards Redemption Guide

• Club Vistara Points are redeemable for award flights, class upgrades, or seat reservation under the Vistara Cash + Points program.
• Under the Vistara Cash + Points program, 1 CV Point is considered equivalent to Re. 0.2.
• Club Vistara Points are also redeemable with Air Vistara’s partner airlines including Air Canada, Singapore Airlines, Japanese Airlines, Silk Air, and United Airlines.
• Club Vistara Points are valid for a period of 36 months.
• To book flight tickets using the credit card or earned CV Points/gift vouchers, cardholders can visit the official website of Air Vistara and utilize the 'My Vouchers' section of their CV account.

Card Eligibility Criteria

• Primary Cardholder Age: 18-70 years of age.
• Net Income: Minimum of INR 24 lakh Per Annum.
• Residency: The individual should either be a Resident of India or a Non-Resident Indian.
• The bank reserves the right to approve or decline applications for credit cards.

Documents Required

• PAN Card photocopy or Form 60.
• Proof of income: Latest payslip / Form 16 / IT Return.
• Residence proof: Driving License / Electricity Bill / Landline Telephone Bill.
• Proof of identity (e.g., Aadhar Card, Voter ID Card, Passport).
• Proof of address (e.g., Voter Card, Passport, Aadhar Card, electricity/telephone bill).
• The above list is only indicative; documents required may vary on a case-to-case basis.

Card Review

Overall Verdict

The Axis Bank Vistara Infinite Credit Card is tailored for individuals who are frequent domestic flyers and prioritize a luxurious travel experience with Air Vistara. It offers significant benefits such as complimentary business class tickets, Club Vistara Gold membership, and valuable milestone rewards. However, potential applicants should consider the high annual fee and the lack of international lounge access.

Who Should Apply

• Individuals who are frequent domestic flyers and choose Air Vistara as their preferred carrier.
• Those who desire a superior travel experience, including complimentary business class tickets as a welcome benefit and upon achieving stipulated spend milestones.
• Applicants who wish to enjoy golf benefits in addition to travel perks.

Pros

• Provides the opportunity to enjoy 6 complimentary rounds of golf annually at stunning golf courses in India.
• Includes a complimentary business class ticket as a welcome benefit.
• Offers complimentary Club Vistara Gold Tier membership, which grants additional CV Points on Vistara spends and other premium travel benefits.
• Features a decent reward rate of 6 CV Points for every Rs. 200 spent on most categories (excluding fuel).
• Offers multiple opportunities to earn business class tickets through welcome and spend-based milestone benefits.

Cons

• Does not offer any complimentary international airport lounge access.
• The number of domestic lounge accesses is limited to two per quarter.
• A relatively high foreign currency markup fee of 3.5% of the transaction amount is applicable.
• Carries a high annual fee of Rs. 10,000 per annum (plus applicable taxes) without any option for a spend-based annual fee waiver.

Important Product Details

• Complimentary Business Class ticket voucher as a welcome benefit.
• Receives a Business Class ticket voucher every time the membership is renewed.
• Includes complimentary Club Vistara Gold membership.
• Earns 6 Club Vistara Points for every Rs. 200 spent.
• Offers additional Club Vistara Points and up to 4 Business Class tickets as part of milestone benefits.
• Provides complimentary access to domestic lounges at select airports in India participating in the Visa Lounges program.
• Offers up to 40% discount (up to Rs. 1000) at partner restaurants across India through Axis Bank’s EazyDiner program.
• Features purchase protection up to Rs. 1 lakh, along with a cover of USD 300 for loss of travel documents and delay or loss of check-in luggage.
• Includes a 24×7 dedicated concierge service for various needs like travel, flight/hotel bookings, dining, and shopping.

Other Details

• Terms and Conditions for the Axis Bank Vistara Infinite Credit Card will be updated effective 18th April 2025.
• Following the Vistara and Air India merger, the card's Terms & Conditions will be updated, effective 12th November 2024.
• Add-on Credit Card:
  • Add-on credit cards can be provided to family members and children (provided they are 18 years or older) for no extra fee.
  • The credit limit will be shared between the primary and the add-on card member.
• Club Vistara Gold Membership Details:
  • Club Vistara Gold membership is one of the four tiers of Club Vistara.
  • With Gold membership, you earn an additional 10 tier points per Rs. 100 spent on making a reservation with Air Vistara.
  • Additional benefits include priority check-in, guaranteed reservation in the Economy Class up to 48 hours prior, rescheduling fee waiver, priority baggage handling, and 10 kg of additional baggage allowance.
• How to Apply:
  • You can apply for this credit card online by filling out a form and submitting a few documents as required by the bank.
  • To apply offline, visit your nearest Axis Bank branch with all the essential documents and fill in the application form there.
• Application Status:
  • You can track your application status by visiting Axis Bank’s credit card and loans application tracking page and entering your Application ID and Date of Birth.
  • You can also inquire about your credit card application status by contacting Axis Bank Credit Card customer care.
• Customer Care:
  • Axis Bank offers 24×7 customer care support to cardholders.
  • For reporting card loss or any other queries, you can call their 24×7 customer care numbers: 18604195555 or 18505005555.
  • To block your credit card, in case of loss or for some other reason, you can send an SMS: BLOCK "your 16 digit card number" to 5676782.
• How to Pay Bill:
  • You can pay the bill of your Axis Bank Vistara Infinite Credit Card using various methods, including Axis Bank internet banking, mobile banking, bill desk, and some card management apps.