Axis Bank Vistara Credit Card: Low Reward Rate, Good Milestone Benefit

Axis Bank Vistara Platinum Credit Card is the basic variant from Axis Bank and Vistara’s range of co-branded cards. You can earn CV Points on making purchases and redeem them to avail free tickets or upgrades on Vistara. Milestone benefit of up to 3 complimentary economy class tickets in a year is another valuable feature of this credit card. From 20th April 2024, new exclusions have been added to its rewards program along with some other feature revisions. Read on to know about these updated features and how it impacts the users of this Axis Bank Credit Card.

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Axis Bank Vistara Credit Card Rating: ★★★ (3/5)

Milestone Benefits	★★★★ (4/5)
Reward Points	★★★ (3/5)
Lounge Access	★★★ (3/5)

Note: Axis Bank is not accepting new applications for Vistara co-branded credit cards. Content on this page, including card review, is based on information available before Vistara-Air India merger. Some features may be outdated. Please check the bank’s website for latest updates.

Axis Vistara, being the basic variant among the three Vistara co-branded cards, offers benefits in the ‘Economy’ segment of the airline and charges the lowest annual fee of Rs. 1,500. There are no accelerated reward categories on the card, hence, users will earn 2 CV Points per Rs. 200 across all spends. The major saving comes in the form of milestone benefit wherein users get 1 Economy Class Ticket each on reaching annual spends of Rs. 1.25 Lakh, Rs. 2.5 Lakh and Rs. 6 Lakh, along with 1 free ticket as welcome/renewal benefit. Considering the annual fee of Rs. 1,500, giving 4 free tickets in a year is an impressive feature.

However, in April 2024 devaluation, gold/jewellery and insurance spends were removed from reward points as well as milestone spend calculation. Since the card does not offer accelerated CV Points on any category of spends, it could be difficult for users to maximize its rewards. Milestone of Rs. 6 Lakh in a year also seems easily achievable but since some major spends like fuel, utilities, jewellery, etc. are no longer counted, this could also be difficult for some users to achieve. Spend-based eligibility criterion has been added to the lounge access benefit, which again puts restrictions on maximizing its benefits.

Hence, Axis Vistara Credit Card can be a decent option for Vistara loyalists who are not eligible for advanced variants of Vistara Cards with better features. However, those who are open to explore can consider cards co-branded with other airlines or cards that offer general travel benefits.

If you are looking for premium variants of this card you can also check and apply for the Axis Vistara Signature Credit Card or Axis Vistara Infinite Credit Card .

Axis Bank Vistara Credit Card – Features & Benefits

Axis Bank Vistara Credit Card offers the following features and benefits-

Welcome Benefits

1 complimentary Vistara Economy Class ticket voucher on card joining and renewal fee payment
Complimentary Club Vistara Base Membership

Club Vistara Reward Points

2 CV Points per Rs. 200 spent across all the categories
Points can be used for ticket upgrades and award flights
Certain spends are not eligible to earn CV Points and to achieve milestone benefits, including wallet load, rent, fuel, government services, utilities, EMI transactions, cash withdrawals, card fees & charges, insurance and gold/jewellery spends.

Milestone Benefits

1 Economy Class ticket each on reaching the spending milestones of Rs. 1.25 lakh, Rs. 2.5 lakh and Rs. 6 lakh

Lounge Access

2 complimentary domestic lounge access per quarter on spending min. Rs. 50,000 during the previous 3 months*
If you have a newly issued card, the minimum spend condition is not applicable for the month of issuance followed by the next 3 months. Here, getting a card upgrade will not be considered as new card issuance.
Click here for the list of eligible lounges and other terms and conditions

Dining Benefit

25% off up to Rs. 800 with Axis Bank EazyDiner at the partner restaurants across the country
Can be availed twice a month on minimum order value of Rs. 2,000

Insurance Benefits

Purchase protection cover of up to Rs. 1 lakh
Insurance cover of up to USD 300 on loss of travel documents and delay or loss of check-in baggage

How much can you save on travel with Axis Vistara Credit Card?

One of the most valuable features of Axis Vistara credit card is that you can get up to 4 free economy class tickets in a year, including 1 as a welcome or renewal gift and the rest as a part of the milestone benefits on reaching certain spending limits.

To better understand how much you can save, let’s take an example. Suppose, on an average, a one-way flight trip from New Delhi to Hyderabad costs you Rs. 5,500 in Economy Standard and Rs. 25,000 in Business Value.

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

In addition to the above tickets, you will get 1 complimentary ticket per year on card renewal (Rs. 5,500 in this example) and earn 6,000 CV Points on annual spends of Rs. 6 Lakh.

Now for the same journey from Delhi to Hyderabad, the Vistara Award Flights can be booked in exchange for the CV Points earned by using the card as shown below:

Economy Class- 5,000 CV Points
Premium Economy Class- 8,500 CV Points
Business Class- 18,000 CV Points

According to the above rate, Axis Vistara cardholders can avail at least 1 economy class flight ticket in exchange for 6,000 CV Points. So, you can save the cost of 1 economy ticket which is around Rs. 5,500.

Therefore, if a card user avails 1 economy class ticket in exchange for CV Points, along with 4 economy class tickets given as welcome and milestone benefits, they can save around Rs. 27,500.

Note: The redemption value of CV Points is taken from Air Vistara website and is subject to change at the airline’s discretion. Moreover, the savings will differ depending on your places of origin and destinations.

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 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 on spending Rs. 50,000 in the previous 3 months	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.

Should you Apply For Axis Bank Vistara Credit Card?

If you prefer Vistara Airlines and wish to get a low-fee credit card offering benefits on Vistara, this co-branded credit card could be the right fit for you. On putting maximum spends on this card and meet the milestones of 1.25 Lakh, 2.5 Lakh and 6 Lakh, the card can offer significant value in the form of free flight tickets.

However, this is not the best Vistara co-branded credit card in the market; if you are eligible for Club Vistara IDFC FIRST Credit Card or even premium variants of Axis Vistara Card (Signature and Infinite), you could save more on travel.

Get Axis Vistara Card if:

You prefer Vistara Airlines and generally travel in Economy
You will be able to spend Rs. 6 Lakh in a year to maximize the milestone benefit
If you can satisfy the spending criteria required to avail Axis Bank Credit Card airport lounge access
You already have other cards that offer better rewards on shopping, fuel, etc. as this card is completely travel-focused

Consider other options if:

You are not loyal to an airline but go for one that offers the highest savings. In this case, it would be better to go for a card that offers general travel benefits.
You are a high spender and would be able to spend more than Rs. 6 lakh in a year. However, if you would be able to spend up to Rs. 12 Lakh in a year and would not mind paying a higher annual fee, a mid-range or premium card could provide you better value.

Axis Bank Vistara Credit Card – Fees and Charges

Here are some fees and charges of Axis Bank Vistara Credit Card:

Type of fee or charge	Amount or rate of charge
Joining/Annual Fee	Rs. 1,500
Finance Charges	3.6% per month (52.86% per annum)
Late Payment Fee	For Outstanding Amount- Less than Rs. 500: Nil From Rs. 501 to Rs. 5,000: Rs. 500 From Rs. 5,001 to Rs. 10,000: Rs. 750 Greater than Rs. 10,000: Rs. 1,200

Note: Banks reserve the right to change the fees & charges without prior communication.

* Click Here to view the most important terms and conditions.

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FAQs

What is the minimum income required to be eligible for Axis Bank Vistara credit card?

To be eligible for Axis Vistara Credit Card, your minimum net income should be Rs. 6 Lakh per annum.

What is the interest-free credit period on Axis Bank Vistara credit card?

Users can get 20 to 50 days to pay off the Axis Bank Vistara Credit Card bill.

Can I use the free ticket to travel anywhere using Axis Vistara card?

No, the free ticket voucher can only be used for domestic trips. Also, you only get the base fare waived off. Other taxes and charges will still be applicable.

Can I transfer the free ticket to someone else?

Yes, you may transfer your free air ticket to any nominees that you have registered in your account.

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.