AXIS Bank Vistara Credit Card

With Axis Bank Vistara Credit Card, you can avail the following features and benefits-

• Welcome Gift- As a part of Welcome gifts, the customer will get a Vistara economy class ticket that is complimentary. The same gift will continue when the customer will renew the membership of the credit card every year. Surcharges and taxes are applicable on this and the benefit can be availed upon the payment of joining/annual fee.
• Complementary Club Vistara Base Membership- Card holders will enjoy the privilege of Club Vistara (CV) Base membership. This is complimentary and will enable them to get access to selected domestic airport lounges.
• Club Vistara Points- With the spending of every ₹ 200  on Axis Bank Vistara Credit Card, 2 CV points will be earned. These points could be redeemed to upgrade Club Vistara membership and also to increase the baggage allowance, lounge access while in the airport, avail priority boarding and other perks.
• Milestone Achievement Benefits- Based on the money spent on the Vistara Credit card, members are entitled for ‘Milestone Achievement’ benefits as follows:

• 1 bonus Economy class ticket if ₹ 1,25,000  is spent in one year
• 1 bonus Economy class ticket if ₹ 2,50,000  is spent in one year
• Also, if the card holder spends ₹ 50,000  in first 90 days of issuing the card, then a bonus of 1,000 CV points are awarded.

• Lifestyle Privileges– Some exclusive privileges like the following can be availed on Axis Bank Vistara Credit Card-

• Complimentary access to participating visa lounges in selected airports in India
• Delectable discount of minimum 15% at over 5,000 restaurants across the country with Axis Bank Dining Delights.
• Enjoying and relaxing in a yacht and spending ‘Extraordinary weekends’.

• Travel Insurance and Card Protection- The Club Vistara membership provides several protections to the card holders.

• Purchase protection coverage — Maximum ₹ 1,00,00
• Accident coverage — Maximum ₹ 25 lakhs
• Lost Card Liability – Up to 100% of the card limit
• Coverage for loss of travel documents – Up to USD 300
• Coverage for loss of check-in baggage —  Up to USD 500
• Coverage for delay of check-in baggage – Up to USD 300

• EMI Conversion– Any transaction above ₹ 2500 could be converted into EMI by contacting the bank.
• Period for Interest-free Credit- Depending the date of transaction, a card holder enjoys an interest-free credit period of 20-50 days.
• Add-on cards- Card holders can avail the option of add-on Axis Vistara Credit cards for the family members.
• Secure Payment- Axis Bank Vistara Credit cards provide unrivalled protection against any fraudulent activity like skimming or counterfeit. This is enabled by two layers of protection. The credit cards are EMV certified chip cards and also protected by PIN.

Eligibility

To be eligible for Axis Bank Vistara Credit card, a person has to be:

• An Indian Resident
• The age of primary card holder should be between 18 and 70 years
• A minimum annual net income of 6 lakhs
• The minimum age of add-on card holders should be 18 years

Documentation

Primarily the following documentation is needed. However, documentation might be case-specific on certain instances.

• Photo copy of PAN Card
• Income Proof- Latest pay slip, Income tax return, Form-16
• Residence Proof- Any of the following documents needed:

• Driving License
• Passport
• Ration Card
• Telephone Bill (Landline)
• Electricity Bill

The fees and charges for Axis Bank Vistara Credit Card are as follows:

• Joining Fee – 1,500 ₹
• Annual Fee – 1,500 ₹ (This is applicable from the second year after joining)
• Add-on Cards —  No Joining fee or annual fee is charged
• Finance Charges – 41.75% per annum
• Cash withdrawal fee – 2.5% of the amount withdrawn (However the minimum withdrawal fee is 250 ₹)
• Fee for Cash Payment – 100 ₹
• Fees for overdue penalty or late payment – There is slab for it as follows:

• In case the amount due is 100 ₹ or less then no charge is levied
• For a due amount of 101 to 300 ₹, the charge will be 100 ₹
• For a due amount of 301 to 1000 ₹, the charge will be 300 ₹
• For a due amount of 1001 and 5000 ₹, the charge will be 500 ₹
• For a due amount of 5001 to 20,000 ₹, the charge will be 600 ₹
• If the due amount is above 20,000 ₹, then 700 ₹ will be charged

• Over-limit Penalty – 3% of the Over-limit amount. (However, the minimum amount charged for this is 500 ₹)
• Cheque return or cheque dishonour Fees or Auto-debit Reversal – 300 ₹ is charged for each of the cases
• Surcharge paid on Railway tickets – It is as per Indian Rail or IRCTC
• Fees for transacting in foreign currencies – 3.5% of the amount transacted

• Fees and charges are waived for the following categories:
• Fee for card replacement
• Fees for issuing duplicate statement
• Fee for Copy request or Charge-slip retrieval
• Outstation Cheque Fee
• Fuel surcharge
• Transaction alerts sent on mobile
• Balance enquiry charges
• Charges on Hotlisting/ Blocking

How to pay Axis Bank Vistara Credit Card Bill

Any of the following methods could be used for this purpose.

• Online payment from Axis Bank Savings Bank Account
• Auto-debit Facility
• IMPS/ NEFT/ VMT or Click to Pay
• Payment through ATM
• Draft or Cheque
• Cash

An Axis Vistara credit card holder enjoys not just discounts and point-earning benefits, but is additionally rewarded for achieving card usage milestones:

• Axis Vistara – a complimentary economy class ticket every time you achieve an accumulated spend of Rs.1,25,000/-
• Axis Vistara Signature – a complimentary premium economy ticket for each accumulated spend of Rs.1,50,000/-
• Axis Vistara Infinite – a complimentary business class ticket for each accumulated spend of Rs.2,50,000/-

Your Axis Vistara credit card entitles you to insurance protection not only for loss of card, but also for travel related issues, as follows:

• Lost card liability protection – up to Rs.3,00,000/-
• Air accident coverage – up to Rs.2.55 crore
• Loss of travel documents – up to USD300
• Delay in getting check-in baggage – up to USD300
• Loss of check-in baggage – up to USD500

• Joining / Annual Fees: As this credit card is loaded with welcome and long-term benefits, there is a joining fee to become a member of the Axis Vistara family, as well as an annual fee:
  • Axis Vistara – joining fee: Rs.1500/-, annual fee: Rs.1500/-
  • Axis Vistara Signature – joining fee: Rs.3000/-, annual fee: Rs.3000/
  • Axis Vistara Infinite – joining fee: Rs.10000/-, annual fee: Rs.10000/-
  • There is no joining or annual fee charged for add-on cards

• Eligibility Criteria: At the entry level, applicants have to meet the following requirements:
  • Should be an Indian citizen
  • The age of the applicant should be between 18 – 70 years
  • Net Income should be more than Rs.6 lacs per annum
  • If there is an add-on card holder, that person should be aged over 18 years

• Required Documents: the following will have to be submitted for verification:
  • Copy of Pan Card or Form 60
  • Latest Form 16 / salary slip / copy of ITR as proof of income
  • Passport / driving license / Aadhaar card / telephone bill / electricity bill as proof of identity and address
  • One photograph

As in all finance related transactions, it is important to read all the terms and conditions carefully before committing to the purchase. Here is a selection of some of the important clauses:

• Complimentary Air Travel Voucher
  • Base charges are waived in the complimentary air ticket. Charges such as taxes, surcharges and other levies will have to paid for by the card holder at the time of booking the travel date
  • The card holder will receive the free ticket voucher as soon as the payment of joining fees is received
  • In case the card holder does not want to use the free travel voucher, it can be transferred to the nominee/s, as stated in data sheet of the credit card application form.
  • The travel voucher is valid only for 6 months from the date of issuance, and will not be extended under any circumstance.
• Airport Lounge Access
  • Access is only permitted in selected lounges in the country. Do make sure to check the list of lounges prior to usage
  • Check how many complimentary accesses are permitted every quarter on your credit card
  • Access to Air Vistara lounges is permitted only if onward travel is on Air Vistara

In conclusion, it can be said that the Air Vistara credit card provides an attractive bundle of customer benefits, so that you can enjoy a high-quality travel and shopping experience.