Axis Bank Vistara Credit Card
The Axis Bank Vistara Credit Card earns Club Vistara (CV) Points redeemable for Air India Express and Vistara flights.
Travel & Lounge Fit Score
96/100
Joining Fee
₹1,000
Annual Fee
₹1,500
Reward Rate (%)
1 – 6
1 pts/₹100 · ₹0.75/pt
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
18/25
Lounge & Perks
8/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Axis Bank Vistara Credit Card Benefits
Axis Bank Vistara Credit Card Rewards
How you earn back on every swipe
points
Reward type
1% – 6%
Earn rate
1
Points / ₹100
₹0.75
Per point
Axis Bank Vistara Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Axis Bank Vistara Credit Card Lounge Access
Airport perks included with this card
1 per quarter
Domestic lounge visits
0 per year
International lounge visits
Card Features
Annual Fee: ₹1,500
This card carries a fixed annual fee of ₹1,500. At ~1% estimated return, spending approximately ₹12,500/mo earns enough rewards to fully offset the annual fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Axis Bank Vistara Credit Card Eligibility
Employment type
Pros & Cons
- Good entry-level airline co-branded credit card
- Strong value for frequent Air India/Vistara travelers
- Milestone ticket vouchers can provide high savings
- Maharaja Points are useful for award flight redemption
- Domestic lounge access adds extra travel value
- Dining and travel offers improve overall usability
- Beginner-friendly travel rewards structure
- Several Vistara benefits are being revised/discontinued after Air India merger
- Best value depends heavily on Air India ecosystem usage
- No complimentary international lounge access
- Forex markup is high for international spends
- Reward system is less flexible than general travel cards
- Annual fee waiver option is limited
- Reward exclusions apply on rent, fuel surcharge, wallets & EMI transactions
Who is this card for?
Vistara/Air India loyal travellers who fly domestically 4–8 times a year and want to earn free flights. Good pairing with an Air India credit card post-merger.
Quick Links
Data last updated 8 Aug 2026
Calculate your exact earnings with Axis Bank Vistara Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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