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Axis Bank Vistara Signature Credit Card VS SpiceJet Axis Bank Voyage Black Credit Card VS Axis Bank Atlas Credit Card VS Axis Bank Burgundy Private Credit Card

A detailed, side-by-side look at 4 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 Signature Credit Card
Axis Bank Vistara Signature Credit Card
SpiceJet Axis Bank Voyage Black Credit Card
SpiceJet Axis Bank Voyage Black Credit Card
Axis Bank Atlas Credit Card
Axis Bank Atlas Credit Card
Axis Bank Burgundy Private Credit Card
Axis Bank Burgundy Private Credit Card

Fees & Charges

Joining Fee₹3,000 + GST
Joining Fee₹2,000 + GST
Joining Fee₹5,000 + GST
Joining Fee₹50,000 + GST
Renewal Fee₹3,000 + GST
Renewal Fee₹2,000 + GST
Renewal Fee₹5,000 + GST
Renewal Fee₹50,000 + GST
Spend Based Waiver
Spend Based WaiverNot applicable for annual fee waiver.
Spend Based WaiverNot applicable for annual fee waiver; annual benefits in form of EDGE Miles provided upon fee payment.
Spend Based Waiver
Foreign Transaction Fees3.50% of the transaction value
Foreign Transaction Fees3.5% of the total transaction amount.
Foreign Transaction Fees3.50% on foreign currency transactions; 1.5% on Dynamic Currency Conversion markup.
Foreign Transaction Fees
Interest Rate (APR)3.6% per month (43.2% APR) for retail purchases & cash advances.
Interest Rate (APR)3.75% per month (55.55% annually) on retail purchases and cash.
Interest Rate (APR)3.75% per month (55.55% per annum) on retail purchases & cash advances.
Interest Rate (APR)1.5% per month.

Rewards & Benefits

Welcome Bonus1 complimentary Premium Economy Class air ticket voucher & Club Vistara Silver Membership on fee payment.
Welcome BonusGet a SpiceJet flight voucher worth ₹4,000 and complimentary SpiceClub Gold membership.
Welcome Bonus2,500 EDGE Miles on first transaction within 37 days of card issuance.
Welcome Bonus
Rewards Rate4 Club Vistara (CV) Points for every ₹200 spent.
Rewards RateEarn up to 28 Spiceclub Points on every ₹200 spent on SpiceJet platforms.
Rewards RateEarn 5 EDGE Miles for every ₹100 on travel spends; 2 EDGE Miles for every ₹100 on other transactions.
Rewards RateEarn 15 EDGE Reward Points for every Rs. 200 spent, translating to a 1.5% savings rate.
Reward TypeReward Points
Reward TypeReward Points
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeNil
Reward Redemption Fee₹99 + GST for EDGE portal redemption; ₹199 + GST for transfer to partner loyalty programs.
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic airport lounge accesses per quarter (8 per year) at select airports.
Domestic Lounge Access8 complimentary domestic airport lounge accesses annually, capped at 2 per quarter.
Domestic Lounge AccessUp to 18 complimentary domestic lounge visits per annum based on membership tier (Silver: 8, Gold: 12, Platinum: 18).
Domestic Lounge AccessUnlimited complimentary domestic lounge access for primary, add-on cardholders, plus 12 guest visits annually.
International Lounge Access
International Lounge AccessNo complimentary international lounge access.
International Lounge AccessUp to 12 complimentary international lounge visits per annum based on membership tier (Silver: 4, Gold: 6, Platinum: 12).
International Lounge AccessUnlimited complimentary international lounge access for primary, add-on cardholders, plus 12 guest visits annually.
Travel BenefitsComplimentary Club Vistara Silver Membership, offering priority check-in and additional baggage allowance.
Travel BenefitsComplimentary domestic lounge access, high rewards on SpiceJet bookings, and flight vouchers.
Travel BenefitsFlexible miles transfer program to various airline and hotel loyalty partners; booking flights, hotels & experiences.
Travel BenefitsComplimentary Club Marriott, Taj Epicure, ALL Accor+ Explorer memberships. Discounts on Postcard/Oberoi hotels.
Movie Benefits
Movie Benefits
Movie Benefits
Movie BenefitsGet 1 complimentary movie/non-movie ticket every time you buy 1 ticket on BookMyShow. Avail up to 5 free movie tickets and 5 free non-movie tickets each month.
Dining Benefits25% discount up to ₹800 on dining bills at partner restaurants with Axis Bank EazyDiner Program, once/month.
Dining BenefitsUp to 20% discount on dining at participating restaurants via Axis Bank Dining Delights.
Dining BenefitsUp to 25% off (max ₹800) twice a month at partner restaurants via EazyDiner on min spend of ₹2,500.
Dining BenefitsComplimentary EazyDiner Prime membership, up to 40% off at 4,000+ restaurants, exclusive dining experiences.
Golf Benefits3 complimentary rounds of golf per year at premium golf destinations in India.
Golf Benefits
Golf Benefits
Golf Benefits50 complimentary rounds of green fees every year, including 4 international complimentary golf rounds/lessons.
Fuel Surcharge Waiver1% fee on cumulative fuel transactions of ₹50,000 or more in a statement cycle.
Fuel Surcharge Waiver1% waiver on fuel transactions (₹400-₹4,000), capped at ₹400/month.
Fuel Surcharge Waiver1% fuel surcharge waiver for transactions between ₹400-₹4,000, capped at ₹400 per cycle.
Fuel Surcharge Waiver1% surcharge waiver on transactions between Rs. 400 & Rs. 4,000, capped at Rs. 400 per month.

Security & Other

Insurance BenefitsPurchase Protection Cover up to ₹1 lakh; Loss of Travel Documents/Baggage Cover up to $300 each.
Insurance Benefits
Insurance Benefits
Insurance BenefitsAir accident insurance (Rs. 4.5 Cr), travel insurance, lost card liability, purchase protection, credit shield.
Cash Advance Charges2.5% of the cash amount (Minimum ₹500).
Cash Advance Charges2.5% of amount withdrawn, minimum ₹500.
Cash Advance Charges2.5% of cash amount (Minimum ₹500).
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank Vistara Signature Credit Card

SpiceJet Axis Bank Voyage Black Credit Card

Axis Bank Atlas Credit Card

Axis Bank Burgundy Private Credit Card

Who is it for?

The Axis Bank Vistara Signature Credit Card is a mid-range travel card ideal for frequent domestic flyers loyal to Vistara. It offers significant value through complimentary Premium Economy tickets, Club Vistara Silver Membership, and generous milestone benefits. Cardholders also enjoy domestic lounge access, dining discounts, and golf privileges, making it a comprehensive choice for travel and lifestyle enhancements.

Who is it for?

The SpiceJet Axis Bank Voyage Black Credit Card is a premium co-branded travel card, ideal for frequent SpiceJet flyers. It offers a substantial flight voucher, complimentary SpiceClub Gold membership, high reward rates on SpiceJet spends, and domestic lounge access. This card provides significant value through its extensive reward structure, making it a strong option for loyal SpiceJet customers and domestic travelers.

Who is it for?

The Axis Bank ATLAS Credit Card is a premium, airlines-agnostic travel credit card designed to offer exclusive benefits to frequent travelers. It rewards users with EDGE Miles on every travel and other eligible spend, featuring a tiered membership system (Silver, Gold, Platinum) that unlocks enhanced rewards and lounge access based on annual spending. With a flexible miles transfer program to various airline and hotel loyalty partners, this card is an excellent option for individuals seeking to maximize rewards on their travel-related expenses, both domestically and internationally.

Who is it for?

The Axis Bank Burgundy Private Credit Card is a premium offering designed for high-income individuals and Burgundy Private account holders. It provides exceptional value with zero forex markup, no cash advance fees, and unlimited complimentary lounge access for cardholders and guests. Cardholders enjoy exclusive memberships to luxury hotel and dining programs, 50 complimentary golf rounds annually, and significant benefits across travel, entertainment, and dining. This card is ideal for those leading a super-luxurious lifestyle, seeking maximum savings and extensive privileges.

Pros

Key benefits and features.

Strong travel benefits with complimentary Premium Economy tickets and Club Vistara Silver Membership.

Generous milestone rewards provide up to four additional Premium Economy tickets annually.

Enjoy 8 complimentary domestic airport lounge accesses per year, enhancing travel comfort.

Valuable lifestyle perks include complimentary golf rounds and attractive dining discounts.

The card offers purchase protection and travel insurance, plus no reward redemption fee.

Pros

Key benefits and features.

Significant welcome benefits including a ₹4,000 flight voucher and SpiceClub Gold membership.

High reward rate of up to 28 Spiceclub Points on every ₹200 spent on SpiceJet.

Complimentary domestic airport lounge access enhances travel comfort for cardholders.

Attractive milestone bonuses and renewal benefits provide long-term value for users.

Dining discounts and fuel surcharge waiver add value beyond core travel benefits.

Pros

Key benefits and features.

Receive a generous welcome bonus of 2,500 EDGE Miles upon your first transaction.

Enjoy accelerated EDGE Miles earning on all travel-related transactions and bookings.

Benefit from a tiered system (Silver, Gold, Platinum) offering escalating rewards and lounge access.

Unlock attractive milestone benefits, providing bonus EDGE Miles upon achieving spend targets.

Utilize an excellent transfer ratio of 1 EDGE Mile to 2 Partner Points for various loyalty programs.

Pros

Key benefits and features.

Exceptional value for high-net-worth individuals seeking a super-luxurious lifestyle.

Zero foreign currency markup and no cash advance fees make it ideal for global travel.

Unlimited complimentary lounge access for cardholders and 12 guests annually.

Exclusive memberships to premium hotel and dining programs like Club Marriott and Taj Epicure.

Enjoy 50 complimentary golf rounds annually, a significant perk for golf enthusiasts.

Cons

Key drawbacks and limitations.

Reward earning exclusions apply to common categories like wallet loads, rent, and utility bills.

High transaction fees are levied on fuel, education, utilities, online gaming, rent, and wallet loads.

The foreign currency markup of 3.50% is relatively high for international transactions.

No spend-based waiver for the annual fee, making it a fixed recurring cost.

The card has a high interest rate of 3.6% per month on retail purchases and cash advances.

Cons

Key drawbacks and limitations.

Lacks international lounge access, limiting benefits for global travelers.

Annual fee of ₹2,000 + GST is not waived based on spending, unlike many cards.

High foreign currency markup of 3.5% makes international spends expensive.

Reward exclusions on common transactions like fuel, education, and wallet loads.

Lounge access is conditional on minimum spends in the previous quarter.

Cons

Key drawbacks and limitations.

The Axis Bank ATLAS Credit Card does not offer any golf or insurance benefits.

The complex tiered reward structure and numerous spend exclusions can be confusing for users.

The card carries a significant joining and annual fee of ₹5,000 + GST.

A high foreign currency markup of 3.50% applies to international transactions.

Additional fees are levied for reward redemption and miles transfer to partner programs.

Cons

Key drawbacks and limitations.

High joining and annual fees of ₹50,000 + GST, waived only for Burgundy Private account holders.

No reward points are earned on specific categories like government, gold, fuel, and utilities.

New fees on cumulative spends for wallet, fuel, education, and utilities effective from Dec 2024.

Strict eligibility criteria requiring a Total Relationship Value of Rs. 5 Crores or more.

Reward points on insurance spends are capped at 6,000 EDGE points monthly.

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.
Apply for Axis Bank Vistara Signature Credit Card(opens in new tab)Apply for SpiceJet Axis Bank Voyage Black Credit Card(opens in new tab)Apply for Axis Bank Atlas Credit Card(opens in new tab)Apply for Axis Bank Burgundy Private Credit Card(opens in new tab)