- Features And Benefits Of Axis Bank Vistara Credit Card
- Fees And Charges Of Axis Bank Vistara Credit Card
- How Much Can You Save On Travel With Axis Bank Vistara Credit Card?
- Eligibility And Documentation Of Axis Bank Vistara Credit Card
- How To Apply For An Axis Bank Vistara Credit Card?
- Axis Bank Vistara Credit Card Limit
- Comparison: Axis Vistara Vs. Air India SBI Platinum Vs. 6E Rewards- XL Indigo HDFC
- Axis Bank Vistara Credit Card Vs. HDFC Millennia Credit Card
- Should You Apply For Axis Bank Vistara Credit Card?
- Comparison Of Similar Credit Cards By Other Banks
- Customer Care
- Conclusion
- FAQs
- Read More
The Axis Bank Vistara Credit Card is aimed at regular flyers and was developed in partnership with Vistara Airlines. Numerous advantages are provided by the card, including access to lounges, travel insurance, and rewards.
The Axis Bank Vistara Credit Card was created with the intention of improving the travel experiences of its users. With this card, every purchase you make will reward you with Club Vistara Points. For every Rs. 200 you spend, you receive 2 Club Vistara Points, which are simply redeemable for flight reservations on the Club Vistara website. Additionally, the card offers two complimentary visits every quarter to participating airport lounges in India. With the Axis Bank meals Delights, you receive great discount deals on meals in addition to travel.
The Axis Bank Vistara credit card is ideal for frequent travelers who go on vacations or business trips. Exclusive advantages and credit card features are included with the credit card. You can add Club Vistara credit points to your account with each swipe of the card. Continue reading to learn more about the Axis Bank Vistara credit card’s features, requirements for applying, rewards including lounge access, and more.
Features And Benefits Of Axis Bank Vistara Credit Card
Axis Bank Vistara Credit Card offers the following features and benefits:
Welcome Benefits
- Get one complimentary Vistara Economy Class ticket after paying the card joining cost.
- This option is accessible by paying the yearly fee for a new credit card.
- Enrollment in the Club Vistara Base Membership Programme without charge.
Club Vistara Reward Points
- Each Rs. 200 spent in all categories earns you two CV points.
- You can utilize points towards award flights and ticket upgrades.
Rewards Redemption
You can redeem the Club Vistara Points you accrue using your Axis Bank Vistara Credit Card by carrying out the straightforward steps listed below:
- Visit the Club Vistara website and log in to your CV account.
- Click on the option ‘Redeem Now.’
- Click on the option ‘Redeem flights.’
- Click “next” after selecting the flight for which you want to use your Club Vistara Points.
- Click ‘Next’ once again after checking the flight information.
- Click “Next” after entering the passengers’ information.
- Choose a payment method and provide all the necessary information.
These points may be used to pay for up to 8 nominees’ award flight reservations.
Milestone Benefits
With your Axis Bank Vistara Credit Card, you can earn 1,000 bonus CV Points and up to three free flights each year after reaching the qualifying expenditure threshold. For more information, see the following table:
| Required Spend (within 1 year) | Milestone Benefit |
| Rs. 50,000 or more (within first 90 days after card issuance) | 1,000 CV Points |
| Rs. 1,25,000 or more | 1 Economy Class ticket |
| Rs. 2,50,000 or more | 1 Economy Class ticket |
| Rs. 6 lakhs or more | 1 Economy Class ticket |
Travel Benefits
- You get access to 2 complimentary domestic lounges every quarter.
- You get complimentary Club Vistara Base membership.
Dining Offer
- At the nation’s partner eateries, Axis Bank EazyDiner customers receive 25% off up to Rs. 800.
- On orders with a minimum of Rs. 2,000, this offer is available twice per month.
Insurance Benefits
| Category | Insurance Coverage |
| Purchase Protection | Rs. 1 lakh |
| Loss of travel documents | Up to US $300 |
| Lost baggage | Up to US $300 |
| Delayed baggage | Up to US $300 |
Convert Transactions Into EMIs
You have the option to change any transaction of more than 2,500 yen into a monthly instalment. You can divide large expenditures into a series of manageable monthly payments in this way.
Fees And Charges Of Axis Bank Vistara Credit Card
| Charge | Amount |
|---|---|
| Joining Fee (Primary Cardholder) | Rs.1,500 |
| Joining fee (add-on cardholder) | Nil |
| Annual fee from year-2 onwards (primary cardholder) | Rs.1,500 |
| Annual fee from year-2 onwards (add-on cardholder) | Nil |
| Interest rate (cash and retail purchases) | 2.95% per month (41.75% p.a.) |
| Cash withdrawal or cash advance fees | 2.5% of the amount withdrawn, subject to a minimum of Rs.250 |
| Fee incurred for cash payments | Rs.100 |
| Re-issuing or replacement of lost or stolen card | Waived |
| Penalty for late repayment | Up to Rs.100: Nil |
| Rs.101 to Rs.300: Rs.100 | |
| Rs.301 to Rs.1,000: Rs.300 | |
| Rs.1,001 to Rs.5,000: Rs.500 | |
| Rs.5,001 to Rs.20,000: Rs.600 | |
| Rs.20,001 and above: Rs.700 | |
| Penalty applicable for over-limit | 3% of the amount over limit, subject to a minimum of Rs.500 |
| Foreign currency transaction fee | 3.5% of the transacted amount |
| Copy request or charge-slip retrieval | Waived |
| Outstation cheque | Waived |
| Auto-debit reversal or fee involved in cheque return or dishonor | Rs.300 |
How Much Can You Save On Travel With Axis Bank Vistara Credit Card?
Getting up to four free economy class tickets per year is one of the best benefits of the Axis Vistara credit card. One of these tickets is given as a welcome or renewal gift, while the remaining tickets are freebies that can be obtained by spending a particular amount.
Let’s look at an example to help you better grasp how much you can save. Suppose you pay Rs. 5,500 in Economy Standard and Rs. 25,000 in Business Value for a one-way travel from New Delhi to Hyderabad on average.
| Free Tickets through Milestone Privileges | ||
| Milestones | Benefit/Reward Points | Savings(approx.) |
| 1.25 lakh | 1 Economy Class Ticket | Rs. 5,500 |
| 2.5 lakh | 1 Economy Class Ticket | Rs. 5,500 |
| 6 lakh | 1 Economy Class Ticket | Rs. 5,500 |
| Total Savings | Rs. 16,500 | |
Savings Through Reward Points
| Bonus Reward Points on reaching spending milestone of Rs. 50,000 in 90 days | 1,000 CV Points |
| Reward Points on spends of Rs. 6 lakh | 6,000 CV Points |
| Total Rewards Points earned in a year | 7,000 CV Points |
The CV points acquired by using the card can now be used to purchase the same Vistara Award Flights from Delhi to Hyderabad, as shown below:
5,000 CV Points for Economy Class
8,500 CV Points in Premium Economy Class
18,000 CV Points for Business Class
Axis Vistara credit card holders can spend 7,000 CV Points on at least one round-trip economy ticket at the aforementioned exchange rate. Consequently, you can avoid paying the about Rs. 5,500 price of one economy ticket.
Therefore, a cardholder can save about
If they add one economy class ticket to the four economy class tickets they already have from welcome and milestone incentives, it will cost them Rs. 27,500.
Note: Redeeming CV Points is subject to change at the airline’s discretion and is based on information from the Air Vistara website. Additionally, savings will vary according on your points of origin and destination.
Eligibility And Documentation Of Axis Bank Vistara Credit Card
You must meet the following requirements in order to be eligible to apply for the Axis Bank Vistara Credit Card:
- You must reside in India.
- You must be between the ages of 18 and 70.
- Holders of add-on cards must be older than 18 years old.
- You should make at least Rs. 6 lakh per year in income.
The documents you will need to submit are:
- A photocopy of your PAN card or your Form 60.
- Proof of income in the form of your latest pay-slip, a copy of your IT returns, or your Form 16.
- Any one of the following documents can be submitted as proof of residence:
- Driving license
- Passport
- Ration card
- Landline telephone bill
- Electricity bill
- Your latest photograph (in color).
Note: This list of documents is purely indicative and may change on a case-to-case basis.
How To Apply For An Axis Bank Vistara Credit Card?
You can apply for the Axis Bank Vistara Credit Card either online or offline.
If you wish to apply online, you could do so through the official website of Axis Bank.
The steps to apply for the Axis Bank Vistara Credit Card online are given below:
- Visit the official website of Axis Bank
- Click on the tab that says “Explore Products”
- Select the “Cards” option
- Opting for “Credit Cards”
- Click on the “Apply Now” button
- You will be asked if you are already an Axis Bank customer. If so, click on “Yes”
- Enter details such as Customer ID, registered contact number, PAN and date of birth
- The OTP will be sent to the number provided by you
- Terms and conditions will be displayed on your screen. Agree to them and click on “Submit”
- An authorized representative of the bank will call you on your phone and guide you with what you’ve to do next
You can apply for the Axis Bank Vistara Credit Card via FLASH Instant Credit Card Processing even if you are not a customer of the bank. Details like your name, PAN, mobile number, yearly salary, and pin code must be provided. An employee of the bank will inform you of your next steps after you have submitted these details.
You can submit the application at the nearby Axis Bank branch if you decide to apply for the Axis Bank Vistara Credit Card online. To apply for the credit card, you can also leave a missed call at 1800 419 1508.
Axis Bank Vistara Credit Card Limit
Credit limit is the maximum permissible spending amount on a credit card. The credit limit of your Axis Bank Vistara credit card will depend on the assessment of key factors like your income and credit score. The bank will correlate your monthly income with your repayment history, credit utilization records, and CIBIL score to determine an appropriate credit limit for the card.
Comparison: Axis Vistara Vs. Air India SBI Platinum Vs. 6E Rewards- XL Indigo HDFC
A comparison of Axis Vistara credit card’s features with two other cards that offer similar benefits has been given in the table below:
| Parameters | Axis Vistara | Air India SBI Platinum | 6E Rewards – XL Indigo HDFC |
| Annual Fee | Rs. 1,500 | Rs. 1,499 | Rs. 1,500 |
| Welcome Benefit | 1 complimentary Economy Class Ticket Voucher | 5,000 reward points | 1 complimentary 6E Prime add-on with priority check in, seat choice, a meal & quicker baggage |
| Reward Points | 2 CV points per Rs. 200 | 2 reward points per Rs. 100; Up to 15 reward points per Rs. 100 spent on SuperSaver booklet & Air India tickets booked via official portals | 5% 6E Rewards on IndiGo; 3% 6E Rewards on entertainment, grocery & dining; 2% 6E Rewards on others |
| Milestone Benefit | 1,000 CV points on Rs. 50,000 spends within the first 90 days; 1 economy class ticket each on reaching the spending milestones of Rs. 1.25 lakh, Rs. 2.5 lakh & Rs. 6 lakh | 5,000 bonus reward points on annual spends of Rs. 2 lakh; up to 15,000 bonus reward points on annual spends of Rs. 3 lakh | 1 complimentary IndiGo air ticket of Rs. 3,000 on making 3 or more payments in each of the first 3 months of card issuance |
| Lounge Access | 2 complimentary visits per quarter to select domestic lounges | 2 complimentary domestic Visa lounge visits per quarter | 2 complimentary domestic lounge visits per quarter |
| Complimentary Memberships | Club Vistara Base Membership | Air India Frequent Flyer Program – Flying Returns membership | Indigo 6E Rewards program |
| Foreign Exchange Mark-up Fee | 3.5% | 3.5% | 2.5% |
Note- Some of the above-discussed card benefits may have terms and conditions applicable on them.
Axis Bank Vistara Credit Card Vs. HDFC Millennia Credit Card
| Categories | Axis Bank Vistara Credit Card | HDFC Millennia Credit Card |
| Joining Fees | Rs. 1,500 | Rs. 1,000 |
| Editor’s Rating | 4.1 | 4 |
| Key Features | Get Club Vistara Membership as a Complimentary Accrue 2 Club Vistara Points for every Rs 200 spent on the Axis Bank Vistara Credit Card and redeem for upgrades & award flights faster Get bonus CV Points and up to 3 Economy class tickets on achieving the milestone spends Complimentary lounge access at selected airports within India Explore curated experiences from across the world with Extraordinary weekends | You will receive Welcome Benefit of 1000 CashPoints that’s applicable only on payment of membership fee Get Renewal membership fee waived off by spending Rs. 1,00,000 and above during the first year Earn 5% CashBack on all spends with a maximum CashBack earning of Rs. 2,250 per month Earn 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp, and SmartBuy (minimum transaction size of Rs. 2000) 2.5% CashBack on all online spends 1% CashBack on all offline spends and Wallet reloads 8 Complimentary Domestic Lounge Access per calendar year Complimentary Domestic Airport Lounge access annually Experience the Good Food Trail Dining program at premium restaurants across top cities. 1% Fuel Surcharge waived off on fuel transactions (Minimum transaction of Rs. 400, Maximum CashBack of Rs. 250 per statement cycle) Enjoy up to 50 days of the interest-free period from the date of purchase If your HDFC Bank Millennia Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card Rewards Rate: Please note: The CashBack will be given in the form of CashPoints The redemption against the statement balance: 1 CashPoint = Rs. 1 Redemption against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.30 Redeem CashPoints at the conversion rate of 1 CashPoint = Rs. 0.30 |
| Editor’s Review | Pros Vistara Privileges Fly Free Faster Milestone Privileges Cons No Golf Privileges | Pros Avail Complimentary MasterCard/Diners Club/Visa Lounge Access Program The HDFC Bank Millennia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets Revolving Credit is available at a nominal interest rate Cons No golf/coaching sessions The Cash Points are only valid for 1 year from the date of accumulation Interest rates bit higher than the other credit cards- It’s 3.49% per month, accounting to 41.88% per annum |
Should You Apply For Axis Bank Vistara Credit Card?
If you frequently fly with Vistara Airlines, you might want to apply for the Axis Bank Vistara Credit Card since you can accrue Club Vistara Points for each flight. Additionally, after you exceed the spending threshold, you will receive complimentary tickets. You should be aware that these advantages are exclusive to Vistara airlines. You may choose from other travel credit cards offered on the market if you fly with any other airline.
Comparison Of Similar Credit Cards By Other Banks
| Best Airline Credit Card | Annual Fee | Comparative Feature |
| Air India SBI Signature Credit Card | Rs. 4,999 | Complimentary Air India Frequent Flyer program-Flying Returns membership |
| RBL Bank World Safari Credit Card | Rs. 3,000 | Bonus Travel Points on reaching milestone spends |
| 6E Rewards XL IndiGo HDFC Bank Credit Card | Rs. 1,500 | 6E reward points on every spend |
| Kotak IndiGo Ka-ching 6E Rewards Credit Card | Rs. 700 | 6E rewards on every Rs. 100 spent |
Customer Care
- To know your credit card balance, contact 1800-419-5959 or send an SMS BAL to 56161600 or +918691000002.
- To get your mini statement, contact 1800-419-6969 or send SMS MINI to 56161600 or +918691000002.
Conclusion
The Axis Bank Vistara Credit Card is a good first credit card for travelers because you can use it to obtain free access to airport lounges every three months in addition to earning Club Vistara Points on all of your purchases. You can so travel in greater luxury in addition to saving money on your airline tickets.
The card’s other features, such as dining promotions, milestone rewards, insurance advantages, and others, give you a compelling argument for getting one. All things considered, it can be said that the Axis Bank Vistara Credit Card is a fantastic option for people who enjoy travelling and wish to save money while experiencing rewarding experiences.
FAQs
What do I do if I lose my Axis Bank Vistara Credit Card?
If you find that your credit card is lost or is missing, inform the bank immediately. You can call 1860 419 5555 or 1860 500 5555 and report the loss of your card.
Is there an interest-free period on my credit card?
Yes, you have an interest-free period up to 50 days on all retail transactions.
Can I pay my credit card bill via cheque?
Yes, you can pay your credit card bill via cheque. However, ensure that the cheque is not post-dated, is drawn on a local bank, and is dropped at least 5 days before your payment due date.
Which Club Vistara tier will I start at with this credit card?
With your Axis Bank Vistara Credit Card, you will start at the CV Base tier. As you spend and collect CV points you will move up the tiers. The highest tier is the CV Platinum tier.
Do I get tier points for every booking that I make with Vistara using this credit card?
No. Tier points are not applicable for bookings made under Economy Lite.
Can I use the free ticket to travel anywhere using Axis Vistara card?
No, you can book the ticket to fly from one Indian city to another. Also, you only get the base fare waived off. Other taxes and charges will still be applicable.
Does the free air ticket voucher expire?
You can get the free ticket voucher issued anytime within 6 months once you are eligible. The issued voucher will then be valid for 3 months from the date of issuance.
What are the cash advance charges on the Axis Bank Vistara Credit Card?
The cash advance charge on the Axis Bank Vistara Credit Card is 2.5% of the amount withdrawn or Rs. 500 (whichever is higher).
How to make Axis Bank Vistara Credit Card payments?
You can make the Axis Bank Vistara credit card payment online by availing the Axis Bank net-banking facility.
Which tier of Club Vistara will I be eligible for with the Axis Bank Vistara credit card?
After getting the Axis Bank Vistara credit card, you start with the ‘Base’ tier Club Vistara Membership. However, with each payment, you earn more CV points that take you closer towards the Silver, Gold, and Platinum tiers.
How can I redeem my CV points in Vistara Axis Bank credit card?
- To redeem your CV points, click on the link https://www.airvistara.com/in/en/club-vistara/redeem.
- Choose the desired redemption option and click on ‘Redeem Now’.
- Log in with your Club Vistara ID or Email ID.
- Redeem the earned points.
How can I pay my Axis Vistara credit card bill?
you can make your credit card payment using following modes:
– internet banking: click on accounts > my credit card > click pay bill > select account and enter the amount > enter Netsecure code received through SMS
– Axis mobile app: home > Axis Vistara credit card > pay last bill > pay now/pay later > confirm > enter mPIN
– NEFT
- name – as mentioned on credit card
- bank – Axis Bank
- IFSC – UTIB0000400
- account number – 16-digit card number
– you can also deposit cash/cheque at the nearest branch of Axis Bank.
How can I convert my credit card transaction to EMI?
You can follow the steps mentioned below to convert your credit card transaction to EMI:
- netbanking: select your credit card from the accounts option > convert to EMI > transaction from the statement/unbilled transaction and enter EMI details > agree to the terms and conditions and enter the NetSecure code.
- customer service: you can call us on the numbers 1800 500 5555 or 1860 419 5555 and talk to our customer service representatives to know the detailed procedure.
What services are included in the travel concierge benefits?
The dedicated travel concierge 24/7 desk provides assistance on flight bookings, table reservations, gift deliveries, and much more. this benefit is only available on Axis Vistara Infinite credit card. you can call 1800 103 4692 to book your travel concierge or write an email to axisbankconcierge@aspirelifestyles.com.
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