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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: 18 July 2026
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 WaiverNot applicable.
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, credited after 15 days of receipt of joining fees.
Rewards RateEarn 6 Club Vistara Points for every ₹200 spent on eligible categories.
Rewards RateUp to 6X Avios/₹200 on preferred international destinations; 5X on airline 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 visits per calendar quarter at participating domestic lounges.
International Lounge Access
International Lounge Access2 complimentary visits per calendar quarter via Priority Pass membership.
Travel BenefitsComplimentary Club Vistara Gold Membership, 24x7 concierge, discounts on Trident properties.
Travel BenefitsAirport meet & greet, lounge access, flight discounts, travel insurance, concierge.
Movie Benefits
Movie Benefits
Dining BenefitsUp to 40% discount up to ₹1000 at partner restaurants with EazyDiner, once per month.
Dining BenefitsDining Referral and Reservation Assistance globally via concierge service.
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 BenefitsPersonal air accident, lost baggage, delayed baggage, loss of passport, Total Protect.
Cash Advance Charges2.5% of the Cash Amount (Min. ₹500).
Cash Advance ChargesNil (waived).
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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, offering a unique Avios reward program linked to Qatar Airways and British Airways. Cardholders can maximize benefits by choosing a preferred airline loyalty program and international destination, enjoying a low foreign currency markup at selected locations. It provides a comprehensive suite of travel privileges, including airport meet and greet services, lounge access, concierge services, and extensive insurance coverage, making it ideal for global spenders seeking premium travel experiences.

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, especially on international and airline spends.

Comprehensive travel benefits including meet & greet, lounge access, and concierge.

Low foreign currency markup of 1.5% at preferred destinations enhances global spending.

Generous milestone benefits offer up to 36,000 bonus Avios annually on target spends.

Extensive insurance coverage provides robust protection for international travel.

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 and annual fees may deter those who do not travel internationally often.

No spend-based waiver for the annual fee, requiring consistent payment each year.

Domestic lounge access is limited to two visits per quarter, which might be insufficient.

Avios earning is significantly reduced for utility, government, and education spends.

Priority Pass lounge visits within India are not complimentary for the primary cardholder.

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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