Axis Bank Vistara Credit Card vs Club Vistara SBI Card PRIME
Axis Bank · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreVery Good
Annual Fee₹1,500
Max Reward6%
SBI CardScoreBasic
Annual Fee₹2,999
Max RewardStandard
Axis Bank Vistara Credit Card leads overall with a CardCheck Score of 71/100 (+30 pts over Club Vistara SBI Card PRIME).
4-Pillar Head-to-Head Breakdown
Axis vs ClubReward Power
35%Axis34/35
Club15/35
Axis Wins
Fee Value & ROI
25%Axis18/25
Club14/25
Axis Wins
Lounge & Travel
20%Axis11/20
Club4/20
Axis Wins
Forex & Access
20%Axis8/20
Club8/20
Tie (8/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 71Best
- 41
- Rating Verdict
- Very Good
- Basic
- Reward Power (35%)
- 34/35
- 15/35
- Fee Value & ROI (25%)
- 18/25
- 14/25
- Lounge & Travel (20%)
- 11/20
- 4/20
- Forex & Access (20%)
- 8/20
- 8/20
02—Basic Info
- Bank
- Axis Bank
- SBI Card
- Network
- Visa
- Visa
- Card type
- Co-branded
- Co-branded
- Best for
- Flights & Travel
- Vistara flyers
03—Fees
- Joining fee
- ₹1,000Best
- ₹2,999
- Annual fee
- ₹1,500Best
- ₹2,999
- Fee waiver
- —
- ₹3,00,000
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- ₹1,200
- —
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- points
- —
- Min rate
- 1%
- —
- Max rate
- 6%
- —
- Points / ₹100
- 1
- —
- Point value
- ₹0.75
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 1
- —
- Lounge spend criteria
- No spend condition
- —
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- —
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹50,000
- —
- Invite only
Rows won
03of 03
00of 03
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 71Best | 41 |
| Rating Verdict | Very Good | Basic |
| Reward Power (35%) | 34/35 | 15/35 |
| Fee Value & ROI (25%) | 18/25 | 14/25 |
| Lounge & Travel (20%) | 11/20 | 4/20 |
| Forex & Access (20%) | 8/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | SBI Card |
| Network | Visa | Visa |
| Card type | Co-branded | Co-branded |
| Best for | Flights & Travel | Vistara flyers |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,000Best | ₹2,999 |
| Annual fee | ₹1,500Best | ₹2,999 |
| Fee waiver | — | ₹3,00,000 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | ₹1,200 | — |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | — |
| Min rate | 1% | — |
| Max rate | 6% | — |
| Points / ₹100 | 1 | — |
| Point value | ₹0.75 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1 | — |
| Lounge spend criteria | No spend condition | — |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | — |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹50,000 | — |
| Invite only | ||
| Rows won | 03of 03 | 00of 03 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Axis Bank Vistara Credit Card | Club Vistara SBI Card PRIME |
|---|---|---|
| CardCheck Score | 71/100Very Good | 41/100Basic |
| Annual Fee | ₹1,500 | ₹2,999 |
| Fee Waiver Spend | No waiver | ₹3L/yr |
| Max Reward Potential | 6% | Standard |
| Domestic Lounge Access | 1 / quarter | Check terms |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose Axis Bank Vistara Credit Card if:
Your spending centers around flights & travel and you want direct partner rewards with Axis Bank.
Choose Club Vistara SBI Card PRIME if:
Your spending aligns with vistara flyers and you prioritize SBI Card's redemption benefits.
Popular Comparisons for Axis Bank Vistara Credit Card
Direct side-by-side MITC term matchups
Popular Comparisons for Club Vistara SBI Card PRIME
Direct side-by-side MITC term matchups
Frequently asked questions: Axis Bank Vistara Credit Card vs Club Vistara SBI Card PRIME
- Which is better: Axis Bank Vistara Credit Card or Club Vistara SBI Card PRIME?
- Axis Bank Vistara Credit Card holds a higher overall rating with a CardCheck Score of 71/100 (Very Good) compared to 41/100 (Basic) for Club Vistara SBI Card PRIME (a lead of +30 points). Axis Bank Vistara Credit Card gains its scoring lead primarily through reward potential (34 vs 15) and lounge & travel privileges (11 vs 4) while tying on forex & terms.
- How do annual fees and fee waiver spend rules compare?
- Axis Bank Vistara Credit Card charges an annual fee of ₹1,500 with no official annual spend waiver milestone for renewal fee waiver. In comparison, Club Vistara SBI Card PRIME charges an annual fee of ₹2,999 with an annual spend threshold of ₹3 Lakh.
- How do the reward rates and cashback compare between Axis Bank Vistara Credit Card and Club Vistara SBI Card PRIME?
- Axis Bank Vistara Credit Card offers a base reward rate of 1% and up to 6% on accelerated partner categories. Meanwhile, Club Vistara SBI Card PRIME offers a base rate of standard and up to accelerated on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Axis Bank Vistara Credit Card or Club Vistara SBI Card PRIME?
- Axis Bank Vistara Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year). On the other hand, Club Vistara SBI Card PRIME provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- Axis Bank Vistara Credit Card levies a foreign currency markup fee of 3.5%, while Club Vistara SBI Card PRIME charges 3.50%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).