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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.

Features

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
₹10,000 + GST
Renewal Fee
₹10,000 + GST
₹5,000 + GST
Spend Based Waiver
Not applicable.
Foreign Transaction Fees
3.50% of the transaction value + applicable taxes. DCC Markup 1.5%.
1.5% at preferred international destination; 3.5% elsewhere for POS transactions.
Interest Rate (APR)
3.6% per month (43.2% APR) on retail purchases & cash advances.
3% Per Month (36% Per Annum) on outstanding balances.

Rewards & Benefits

Welcome Bonus
1 Complimentary Business Class ticket voucher on fee payment.
20,000 bonus Avios upon joining (after fee receipt).
Rewards Rate
Earn 6 Club Vistara Points for every ₹200 spent on eligible categories.
Earn up to 6 Avios per INR 200 on international spends, 5 Avios on airline sites, and 1-3 Avios on others.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil

Travel & Lifestyle

Domestic Lounge Access
2 Complimentary domestic lounge access per quarter at select airports within India.
2 complimentary visits per calendar quarter to participating domestic lounges in India.
International Lounge Access
2 complimentary international lounge visits per calendar quarter via Priority Pass membership.
Travel Benefits
Complimentary Club Vistara Gold Membership, 24x7 concierge, discounts on Trident properties.
Complimentary meet-and-greet, lounge access (domestic/international), 10% off Qatar Airways flights, travel insurance.
Movie Benefits
Not Applicable
Dining Benefits
Up to 40% discount up to ₹1000 at partner restaurants with EazyDiner, once per month.
Not Applicable
Golf Benefits
6 complimentary rounds of golf annually at select destinations in India.
Not Applicable
Fuel Surcharge Waiver
Fuel Surcharge Waiver: Applicable for transactions between ₹400 and ₹4,000.
1% waiver on fuel surcharge for transactions between ₹500 and ₹10,000 at any fuel station.

Security & Other

Insurance Benefits
Purchase Protection Cover up to ₹1 lakh, Loss of Travel Documents, Delay/Loss of Check-In Baggage.
Comprehensive travel insurance, international health insurance, air accident cover, and 'Total Protect' against fraud.
Cash Advance Charges
2.5% of the Cash Amount (Min. ₹500).
Nil
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 metal card designed for frequent international travelers. It offers a choice between Qatar Airways Privilege Club or British Airways Executive Club and allows selection of a preferred international destination for maximized Avios earnings and a low foreign currency markup. Cardholders enjoy extensive travel benefits, including complimentary lounge access, meet-and-greet services, comprehensive travel insurance, and substantial welcome and milestone Avios bonuses. This card provides significant value for globetrotters seeking a seamless and rewarding travel experience.

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.

Multi-co-branded nature allows choice of airline loyalty program and destination.

Competitive Avios earning rates, especially for international spends and airline bookings.

Low foreign currency markup of 1.5% at your chosen international destination.

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

Significant welcome, milestone, and renewal bonus Avios can offset premium fees.

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.

Benefits are primarily focused on specific airlines and international travel.

Foreign currency markup reverts to 3.5% for non-preferred international destinations.

Spend-based waiver for annual fee is not applicable, making the fee mandatory.

Avios earning rate is lower for essential spending like utilities and education.

Ready to Choose?

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