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

Axis Bank Vistara Signature Credit Card

The Axis Bank Vistara Signature Credit Card is a co-branded travel credit card designed for frequent domestic flyers, offering a blend of travel benefits, rewards, and lifestyle privileges. It comes with a joining fee and an annual fee of Rs. 3,000 + GST, providing customers with a complimentary Premium Economy Class flight ticket and Club Vistara Silver Membership as welcome benefits. Cardholders earn CV (Club Vistara) Points on eligible spends, which can be redeemed for flight upgrades and award flights. The card also features milestone benefits, offering bonus CV points and additional complimentary flight tickets, alongside domestic lounge access, dining discounts, golf privileges, and comprehensive insurance covers.

Welcome Benefits

• Receive 1 complimentary Premium Economy Class air ticket voucher as a welcome gift upon fee payment.
• This complimentary Premium Economy Class air ticket benefit is also extended upon renewal of the Credit Card membership every year.
• The complimentary ticket voucher code is added to the cardholder’s Club Vistara account.
• The complimentary ticket voucher is valid for 3 months from its date of issuance.
• Enjoy a complimentary Club Vistara Silver Membership on fee payment, which includes exclusive privileges such as priority check-in and additional baggage allowance.
• The Club Vistara Silver Membership will be issued within 10 working days of joining or annual fee payment.

Fees

• Joining Fee: Rs. 3,000 + GST
• Annual Fee (2nd year onwards): Rs. 3,000 + GST
• Add-on Card Joining Fee: Nil
• Add-on Card Annual Fee: Nil
• Finance Charges (Retail Purchases & Cash): 3.75% per month (or 3.6% per month, equating to 52.86% per annum as per another source).
• 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 a Minimum 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. (No specific waiver mentioned, 1% of transaction amount).
• 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.
• Mobile Alerts for Transactions: Waived
• Hotlisting Charges: Waived
• Balance Enquiry Charges: Waived
• Rewards Redemption Fee: Nil (No).
• 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 Transaction Performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered in a foreign nation.

Rewards

• Reward Rate: Earn 4 CV (Club Vistara) Points (also referred to as Maharaja Points) for every Rs. 200 of eligible spends on the Axis Bank Vistara Signature Credit Card.
• Reward Exclusion: CV Points cannot be earned on wallet reload, rent, utility bills, and government transactions.
• Point Crediting: The CV Points earned during the billing cycle are credited to the cardholder’s CV account within 10 days from the statement generation date.
• Milestone Benefits: Get bonus CV (Club Vistara) Points and up to 4 Premium Economy class tickets vouchers on achieving the following milestone spends in a year:
  • Spend Rs. 75,000: Earn 3000 Bonus CV Points.
  • Spend Rs. 1,50,000: Earn 1st Premium Economy Ticket Voucher.
  • Spend Rs. 3,00,000: Earn 2nd Premium Economy Ticket Voucher.
  • Spend Rs. 4,50,000: Earn 3rd Premium Economy Ticket Voucher.
  • Spend Rs. 9,00,000: Earn 4th Premium Economy Ticket Voucher.
• Movies & Dining:
  • Enjoy a 25% discount, up to Rs. 800, on dining bills at partner restaurants with the Axis Bank EazyDiner Program (once per month).
  • Explore curated experiences and avail exciting deals and offers through the Extraordinary Weekends program.
• Travel:
  • Complimentary Club Vistara Silver Membership provides exclusive benefits like priority check-in and additional baggage allowance.
  • Receive 2 complimentary lounge accesses per quarter (total 8 every year) at select domestic airports within India, subject to spends criteria.
  • No complimentary international airport lounge access is provided with this card.
• Golf: Get 3 complimentary rounds of golf annually at some of India's most picturesque and premium golf destinations.
• Insurance Benefits:
  • Purchase Protection Cover up to Rs. 1 lakh.
  • Cover up to USD 300 for Loss of Travel Documents.
  • Cover up to USD 300 for Delay of Check-In Baggage.
  • Cover up to USD 500 for Loss of Check-In Baggage.
• Lifestyle: Explore curated experiences from across the world with Extraordinary Weekends.
• Wednesday Delight: Beat mid-week blues with exciting offers every Wednesday:
  • 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

• Earned CV (Club Vistara) Points can be redeemed for class upgrades & award flights.
• Points can also be spent against any seat reservation under the Vistara Cash + Points program.
• 1 CV Point is equivalent to Rs. 0.20.
• The complimentary Premium Economy Class air ticket voucher can be used for travel anywhere across India, with only the base fare waived off; applicable taxes must be paid by the cardholder.
• The complimentary ticket voucher has a validity of 3 months after its date of issuance.

Card Eligibility Criteria

Eligibility Rules

• The primary cardholder should be between 18-70 years of age.
• The applicant should be a resident of India.
• Net income should be a minimum of INR 6 lakh per annum (for both salaried and self-employed individuals).
• The above criteria are only indicative, and the bank reserves the right to approve or decline applications.

Documents Required

• Identity Proof: PAN Card photocopy or Form 60 (or Aadhar Card, Voters’ ID, Passport, Driving Licence, etc.).
• Proof of Income: Latest payslip / Form 16 / IT Return / latest bank statements.
• Residence Proof: Driving License / Electricity Bill / Landline Telephone Bill (or Aadhar Card, Utility bills, Passport, Ration card, etc.).
• The above list is only indicative, and documents required may vary on a case-to-case basis.

Card Review

The Axis Bank Vistara Signature Credit Card is a comprehensive package for frequent domestic flyers, offering all the benefits expected from a travel-focused credit card. With an annual fee of Rs. 3,000 + GST, it stands out as a strong contender among airline co-branded travel credit cards. Its key advantages include an annual complimentary Premium Economy flight ticket, a complimentary Club Vistara Silver Membership, and valuable domestic lounge visits. The card's milestone benefits are particularly appealing, allowing cardholders to earn not only bonus CV points but also up to four additional complimentary air tickets based on spending. Beyond travel, the card enhances its value with golf privileges, insurance benefits, and fuel surcharge conditions. This card is an excellent choice for individuals who frequently travel domestically with Vistara and are looking for a rewarding credit card experience with exclusive perks.

Important Product Details

• Complimentary Premium Economy Class air ticket voucher as a welcome benefit and on annual renewal.
• Complimentary Club Vistara Silver Membership, offering priority check-in and additional baggage allowance.
• Earn 4 CV (Club Vistara) Points for every Rs. 200 spent on eligible transactions.
• Ability to earn up to 3,000 bonus CV Points and up to 4 additional Premium Economy flight tickets annually on achieving predefined spend milestones (Rs. 75,000, Rs. 1,50,000, Rs. 3,00,000, Rs. 4,50,000, Rs. 9,00,000).
• 2 complimentary domestic airport lounge accesses per quarter (8 per year) at select airports across India, subject to spends criteria.
• 25% discount, up to Rs. 800, on dining bills once per month at partner restaurants via Axis Bank’s EazyDiner Program.
• 3 complimentary golf rounds per year at premium golf destinations in India.
• Comprehensive insurance benefits including Purchase Protection Cover up to Rs. 1 lakh, and covers worth USD 300 for loss of travel documents and delay in check-in baggage, and USD 500 for loss of check-in baggage.
• No reward points on wallet reload, rent, utility bills, and government transactions.
• No complimentary international airport lounge access.
• Fuel surcharge of 1% on cumulative fuel transactions of Rs. 50,000 or more in a statement cycle.

Other Details

• Terms and Conditions Update: The Terms and Conditions of Axis Bank Vistara Signature Credit Card will be updated effective 18th April 2025. Following the Vistara and Air India merger, the Terms & Conditions will be updated, effective 12th November 2024.
• Convert Purchases to EMI: Any transaction over Rs. 1,500 can be converted into EMIs by contacting the bank.
• How to Apply: You can apply for this credit card both online (via the bank's website by filling in required details) and offline (by visiting your nearest Axis Bank branch).