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Axis Bank Vistara Infinite Credit Card VS IndusInd Bank Avios Visa Infinite Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 30 September 2026
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CheQ AU Credit Card

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Axis Bank Vistara Infinite Credit Card
Axis Bank Vistara Infinite Credit Card
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank Avios Visa Infinite Credit Card

Fees & Charges

Joining Fee₹10,000 + GST
Joining Fee₹10,000 + GST
Renewal Fee₹10,000 + GST
Renewal Fee₹5,000 + GST
Spend Based Waiver
Spend Based Waiver
Foreign Transaction Fees3.50% of the transaction value + applicable taxes. DCC Markup 1.5%.
Foreign Transaction Fees1.5% at Preferred International Destinations; 3.5% Everywhere Else.
Interest Rate (APR)3.6% per month (43.2% APR) on retail purchases & cash advances.
Interest Rate (APR)3% Per Month and 36% Per Annum.

Rewards & Benefits

Welcome Bonus1 Complimentary Business Class ticket voucher on fee payment.
Welcome Bonus20,000 Bonus Avios upon joining, credited after 15 days of receipt of joining fees.
Rewards RateEarn 6 Club Vistara Points for every ₹200 spent on eligible categories.
Rewards RateEarn up to 6X Avios per ₹200 on international POS, 5X on airline bookings, 3X on other spends.
Reward TypeReward Points
Reward TypeAir Miles
Reward Redemption Fee
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access2 Complimentary domestic lounge access per quarter at select airports within India.
Domestic Lounge Access2 complimentary domestic lounge access per calendar quarter.
International Lounge Access
International Lounge AccessComplimentary Priority Pass with 2 international lounge access per calendar quarter.
Travel BenefitsComplimentary Club Vistara Gold Membership, 24x7 concierge, discounts on Trident properties.
Travel BenefitsComplimentary airport meet-and-greet, 10% off Qatar Airways flights, discounts on transfers & concierge.
Movie Benefits
Movie Benefits
Dining BenefitsUp to 40% discount up to ₹1000 at partner restaurants with EazyDiner, once per month.
Dining Benefits
Golf Benefits6 complimentary rounds of golf annually at select destinations in India.
Golf Benefits
Fuel Surcharge WaiverFuel Surcharge Waiver: Applicable for transactions between ₹400 and ₹4,000.
Fuel Surcharge Waiver1% waiver for fuel spends between ₹500 and ₹10,000.

Security & Other

Insurance BenefitsPurchase Protection Cover up to ₹1 lakh, Loss of Travel Documents, Delay/Loss of Check-In Baggage.
Insurance BenefitsOverseas medical ($25K), air accident (₹25L), and travel insurance for baggage, passport, tickets.
Cash Advance Charges2.5% of the Cash Amount (Min. ₹500).
Cash Advance ChargesNil
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank Vistara Infinite Credit Card

IndusInd Bank Avios Visa Infinite Credit Card

Who is it for?

The Axis Bank Vistara Infinite Credit Card was a premium travel card tailored for frequent domestic flyers, especially those loyal to Air Vistara. It offered significant value through complimentary Business Class tickets on joining and renewal, along with Club Vistara Gold Membership and golf privileges. While ideal for its target audience, this card has been discontinued due to the Air India and Vistara merger, making it unavailable for new applications.

Who is it for?

The IndusInd Bank Avios Visa Infinite Credit Card is an ultra-premium travel card designed for frequent international travelers, co-branded with Qatar Airways and British Airways. It offers exceptional Avios earning rates, a low foreign currency markup at preferred destinations, and comprehensive travel perks like complimentary lounge access and airport meet-and-greet services. Cardholders can choose their preferred airline loyalty program to maximize benefits, making it ideal for those seeking a seamless global travel experience. Despite its high fees, the extensive suite of benefits justifies the cost for its target audience.

Pros

Key benefits and features.

Complimentary Business Class ticket voucher as a welcome benefit and on annual renewal.

Opportunity to earn up to 4 additional Business Class tickets through milestone spends.

Complimentary Club Vistara Gold Tier membership with associated benefits.

Enjoy 6 complimentary golf rounds annually at premium golf courses across India.

Benefit from a dedicated 24x7 concierge service for all your travel and lifestyle needs.

Pros

Key benefits and features.

Exceptional Avios earning rates, up to 6X, especially on international and airline spends.

Low foreign currency markup of 1.5% at chosen international destinations.

Comprehensive travel benefits including lounge access, meet-and-greet, and insurance.

Significant milestone benefits offering up to 36,000 bonus Avios annually.

Flexibility to choose preferred airline loyalty program (Qatar/British Airways).

Cons

Key drawbacks and limitations.

The Axis Bank Vistara Infinite Credit Card has been discontinued since the merger.

No complimentary international airport lounge access is provided with this card.

Limited domestic lounge access, with only 2 complimentary visits per quarter.

High foreign currency markup fee of 3.5% makes international spends costly.

The card carries a high annual fee of ₹10,000 + GST with no waiver option.

Cons

Key drawbacks and limitations.

High joining fee of ₹10,000 + GST and renewal fee of ₹5,000 + GST.

No spend-based waiver available for the annual renewal fee.

Limited complimentary international lounge access (2 per quarter) with Priority Pass.

Avios earning is reduced to 1X on utility, government, education, and insurance spends.

Elderly Care Assist services are chargeable, despite being arranged by concierge.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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