Axis Bank
Axis Bank Vistara Credit Card
Your rating
Community rating
Joining Fee
₹1,000
Annual Fee
₹1,500
Reward Rate
1% – 3%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
1% – 3%
Earn rate
₹0.4
Per point
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
1 per quarter
Domestic lounge visits
0 per year
International lounge visits
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
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 18 Mar 2026