← Part of Axis Credit Cards in India
The Axis Bank Vistara Credit Card, a co-branded offering with Vistara Airlines, targets frequent flyers in India. Cardholders earn Club Vistara (CV) Points on eligible spends, which can be redeemed for flight upgrades and award tickets. As of 2026, the card provides benefits like complimentary lounge access and dining discounts.
| Parameter | Details |
|---|---|
| Card Type | Co-branded travel credit card (Axis Bank & Vistara Airlines) |
| Target Audience | Frequent travelers within India |
| Reward Program | Club Vistara (CV) Points / Maharaja Points |
| Earning Rate (Vistara Credit Card) | 2 CV Points for every ₹200 eligible spends |
| Earning Rate (Vistara Signature Credit Card) | 4 CV Points for every ₹200 eligible spends |
| Earning Rate (Vistara Infinite Credit Card) | 6 CV Points for every ₹200 eligible spends |
| Welcome Benefit (Vistara Credit Card) | 1,000 Vistara points on activation |
| Complimentary Flight Tickets | Up to 4 free economy class tickets annually (Vistara Credit Card) |
| Milestone Benefits (Vistara Signature) | Up to 4 Premium Economy class ticket vouchers on milestone spends |
| Milestone Benefits (Vistara Infinite) | Up to 4 Business Class tickets on milestone spends |
| Lounge Access (Vistara Credit Card) | 2 complimentary lounge access at select Indian airports per quarter |
| Lounge Access (Vistara Signature/Infinite) | 2 complimentary lounge access at select Indian airports (subject to spends) |
| Dining Discount | 15% off at partner restaurants (Axis Bank Dining Delights) |
| Air Accident Insurance | Up to ₹2.5 crore complimentary cover |
| Lost Card Liability | 100% cover up to the credit limit |
| Foreign Exchange Surcharge | 2.99% on international transactions |
| CV Point Redemption | Redeem for upgrades, award flights, class upgrades via Vistara Cash + Points program |
| Terms & Conditions Update (Vistara Credit Card) | Effective 18th April 2025 (post Vistara-Air India merger) |
| Terms & Conditions Update (Vistara Signature) | Effective 18th April 2025 (post Vistara-Air India merger) |
| Terms & Conditions Update (Vistara Infinite) | Effective 18th April 2025 (post Vistara-Air India merger) |
The card offers a structured rewards program, with higher earning rates and premium benefits available on its Signature and Infinite variants, catering to different travel frequencies and spending patterns.
Vistara Credit Card Variants & Features
Axis Bank offers three primary Vistara co-branded credit card variants in India: the Vistara Credit Card (Platinum), Vistara Signature Credit Card, and Vistara Infinite Credit Card. Each variant provides distinct travel and lifestyle benefits, with Club Vistara (CV) Points earning rates ranging from 2 to 6 CV Points per ₹200 spent, as of 2026.
| Type/Category | Key Feature | CV Points per ₹200 |
|---|---|---|
| Axis Bank Vistara Credit Card (Platinum) | Complimentary economy class flight ticket as welcome gift; Free Club Vistara membership; Up to 4 free economy class tickets in a year (milestone benefits); Up to ₹2.5 crore complimentary air accident insurance; Complimentary lounge access at airports in India; 15% off at partner restaurants | 2 |
| Axis Bank Vistara Signature Credit Card | Complimentary Club Vistara Silver Membership; Up to 5 complimentary Premium Economy class ticket vouchers (milestone & welcome benefits); 2 Complimentary lounge access at select airports within India; 3 complimentary rounds of golf; Travel Insurance | 4 |
| Axis Bank Vistara Infinite Credit Card | Complimentary Business Class ticket as joining benefit; Club Vistara Gold Membership; Up to 4 Business Class tickets under milestone benefits; Complimentary access to domestic lounges at select airports in India; 24×7 concierge service; Complimentary golf rounds | 6 |
| Axis Bank Vistara Credit Card (Add-on) | Available for family members aged 15 years or above; Resident or non-resident Indian eligibility | N/A (inherits primary card benefits) |
| Dining Delights | Up to 25% off (up to ₹800) at partner restaurants across India with Axis Bank Dining Delights program | N/A (discount benefit) |
| Purchase Protection | Coverage up to ₹1 Lakh against damage or loss for eligible purchases | N/A (insurance benefit) |
| Air Accident Cover | Complimentary air accident insurance up to ₹2.5 Crores for primary cardholders | N/A (insurance benefit) |
| Foreign Exchange Surcharge | Applicable on international transactions | 2.99% |
| eDGE Loyalty Rewards Points (International Travel) | Earned on international travel bookings made via Axis Bank portal | 8 points |
| eDGE Loyalty Rewards Points (Domestic Travel) | Earned on domestic travel bookings made via Axis Bank portal | 4 points |
The Vistara Credit Card variants cater to different travel frequencies and spending habits, with higher-tier cards offering d benefits like Business Class tickets and premium lounge access.
Vistara Credit Card Fees & Eligibility
The Axis Bank Vistara Credit Card portfolio includes specific eligibility criteria for primary and add-on cardholders, with primary cardholders needing an annual net income of at least ₹24 lakh for the Infinite variant. Joining and annual fees vary by card variant, starting from ₹1,500 for the base Vistara Credit Card (as of 2026).
| Metric | Value (₹) | Details |
|---|---|---|
| Primary Cardholder Age | N/A | Between 18 and 70 years |
| Add-on Cardholder Age | N/A | 15 years or above |
| Resident Status | N/A | Resident of India or Non-Resident Indian (NRI) |
| Minimum Net Income (Vistara Infinite) | 24 lakhs | Per annum for primary cardholders |
| Axis Bank Vistara Credit Card Joining & Annual Fee | 1,500 | For the base variant (as of 2026) |
| Axis Bank Vistara Signature Credit Card Annual Fee | 3,000 | (As of 2026) |
| Axis Bank Reserve Credit Card Joining & Annual Fee | 50,000 | (As of 2026) |
| LAMF Finance Charges | Variable | Interest rates as per card terms |
| Late Payment Fees | Variable | As per card terms and RBI guidelines |
| Cash Advance Fees | Variable | As per card terms |
| Dining Delights Discount | Up to 800 | 25% off on dining expenses |
| Purchase Protection Cover | Up to 1 lakh | Insurance coverage |
| Air Accident Cover | Up to 2.5 crores | Complimentary insurance coverage |
| Minimum Purchase Value for EMI Conversion | 2,500 | For converting purchases to Equated Monthly Installments |
| Terms & Conditions Update (Vistara Credit Card) | N/A | Effective 18th April 2025 |
| Terms & Conditions Update (Vistara Platinum/Infinite/Signature due to merger) | N/A | Effective 12th November 2024 |
Eligibility for Axis Bank Vistara Credit Cards primarily focuses on age and residency, with income requirements becoming more stringent for premium variants like the Vistara Infinite card.
Vistara Credit Card Benefits & Rewards
The Axis Bank Vistara Credit Card offers various travel and lifestyle benefits, including complimentary flight tickets and lounge access. Cardholders earn Club Vistara (CV) Points on eligible spends, which can be redeemed for upgrades and award flights.
- Welcome Benefits: Receive 1,000 Vistara points upon card activation, along with a complimentary economy class flight ticket.
- CV Point Earning: Earn 2 Club Vistara (CV) Points for every ₹200 spent on the Axis Bank Vistara Credit Card.
- Milestone Benefits: Get up to 4 free economy class tickets annually, including one welcome/renewal gift and additional tickets on reaching specific spending limits.
- Airport Lounge Access: Enjoy 2 complimentary lounge accesses per quarter at select airports across India.
- Dining Privileges: Avail a minimum of 15% off at partner restaurants nationwide through the Axis Bank Dining Delights program.
- Air Accident Cover: The card provides complimentary air accident insurance of up to ₹2.5 crore.
- Purchase Protection: Benefit from purchase protection coverage of up to ₹1 lakh for eligible items.
- Extraordinary Weekends: Access exclusive services like airport transfers, concierge services, and golf bookings.
These benefits are designed to the travel and lifestyle experiences for frequent flyers and cardholders in India.
Vistara Credit Card Application Process
Applying for an Axis Bank Vistara Credit Card in 2026 involves a straightforward online or offline process. Axis Bank has updated its terms and conditions for these cards, with the latest revisions effective from April 18, 2025, for most variants.
As of 2026, new applications for Vistara co-branded credit cards are not being accepted by Axis Bank, following the Vistara-Air India merger. However, existing cardholders continue to use their cards under the revised terms.
- Check Eligibility: Primary cardholders must be Indian residents or NRIs, aged 18-70 years. The Axis Bank Vistara Credit Card requires a minimum net annual income of ₹6 lakh, while the Vistara Infinite variant requires ₹24 lakh.
- Gather Documents: Prepare government-validated identity proof (e.g., Aadhaar, Passport), address proof (e.g., utility bills), and income proof (e.g., salary slips, IT Returns). A recent passport-size photograph is also required.
- Online Application (if available): Visit the official Axis Bank credit card portal. Select the desired Vistara Credit Card variant and fill out the online application form with personal, financial, and employment details.
- Offline Application: Alternatively, visit an Axis Bank branch. A bank representative will assist with filling out the physical application form and submitting the necessary documents.
- Document Submission: Upload scanned copies of documents for online applications or submit physical copies at the branch. Ensure all documents are clear and valid.
- Verification Process: Axis Bank will conduct a verification process, which may include a CIBIL score check and an income assessment. Your CIBIL score should ideally be above 750 for faster approval.
- Application Tracking: After submission, you will receive an application reference number. Use this number to track the status of your credit card application online via the Axis Bank website or mobile app.
- Card Issuance: Upon successful verification and approval, the credit card will be dispatched to your registered address. Activation instructions will be provided with the card.
The application process ensures compliance with RBI guidelines for credit card issuance in India, focusing on applicant age, income, and residency status.
Vistara Credit Card vs Alternatives
The Axis Bank Vistara Credit Card offers specific travel benefits, including up to 4 free economy class tickets annually. For comparison, other cards like the Air India SBI Platinum Card and Axis Bank Select Card cater to different travel or lifestyle needs, with varying reward structures and fees.
| Feature | Axis Bank Vistara Credit Card | Air India SBI Platinum Card | Axis Bank Select Credit Card |
|---|---|---|---|
| Joining & Annual Fee | ₹1,500 (joining and annual) | ₹1,499 (joining and annual) | ₹3,000 (annual) |
| Reward Points Earning | 2 CV Points for every ₹200 spent | 2 Reward Points for every ₹100 spent | 10 eDGE Points for every ₹200 spent on retail |
| Welcome Benefit | 1 complimentary economy class flight ticket | 5,000 Reward Points | 2,500 EDGE REWARD Points |
| Milestone Benefits | Up to 4 free economy class tickets annually | Up to 15,000 bonus Reward Points annually | Up to 10,000 bonus eDGE Points annually |
| Lounge Access | 2 complimentary domestic lounge access per quarter | Complimentary Visa/Mastercard lounge access | 2 complimentary domestic lounge access per quarter |
| Dining Benefits | Minimum 15% off at partner restaurants | Up to 20% off at partner restaurants | Up to 20% off at partner restaurants |
| Air Accident Cover | Up to ₹2.5 crore complimentary | Up to ₹50 lakh | Up to ₹2.55 crore |
| Foreign Exchange Surcharge | 3.5% | 3.5% | 2.99% |
The Axis Bank Vistara Credit Card focuses on Vistara-specific travel perks, while alternatives like the Air India SBI Platinum Card offer benefits for Air India flyers. The Axis Bank Select Card provides broader lifestyle and reward benefits across various categories.
Vistara Credit Card Terms & Conditions
Understanding the specific terms and conditions for Axis Bank Vistara Credit Cards is for cardholders in India. These terms govern eligibility, fees, and how benefits are applied, with updates occurring periodically.
For instance, the Terms and Conditions for the Axis Bank Vistara Credit Card were last updated on April 18, 2025, reflecting changes post the Vistara and Air India merger.
- Eligibility Criteria: Primary cardholders must be between 18 and 70 years of age, with a minimum net income of ₹6 lakh per annum for the base Vistara card. Add-on cardholders must be 15 years or older.
- Residency Requirement: All cardholders, both primary and add-on, must be residents of India or Non-Resident Indians (NRIs) to be eligible for the card.
- Fee Structure: The Axis Bank Vistara Credit Card has a joining and annual fee of ₹1,500, while the Vistara Signature Credit Card carries an annual fee of ₹3,000.
- Financial Charges: Other charges include LAMF Finance Charges (interest rates), late payment fees, and cash advance fees, which vary based on the specific card variant and outstanding balance.
- Terms Updates: Key terms and conditions for the Axis Bank Vistara Credit Card were updated on April 18, 2025, and for the Vistara Platinum and Infinite cards on November 12, 2024, following the Vistara-Air India merger.
Reviewing these terms ensures cardholders are aware of their obligations and the conditions for availing card benefits.
Vistara Credit Card: What to Do Next
For individuals considering the Axis Bank Vistara Credit Card in 2026, understanding the latest terms and application status is . Axis Bank has updated terms and conditions for its Vistara credit cards, with some changes effective from November 12, 2024, and April 18, 2025.
As of 2026, Axis Bank is not accepting new applications for Vistara co-branded credit cards due to the Vistara-Air India merger, as per available information.
- Review Updated Terms: Check the Axis Bank official website for the latest Terms and Conditions, specifically those updated on November 12, 2024, and April 18, 2025, for all Vistara card variants.
- Monitor Merger Developments: Stay informed about the Vistara and Air India merger, as this may lead to further changes in card benefits, reward structures, and eligibility criteria.
- Explore Alternative Cards: Since new applications for Axis Bank Vistara cards are currently paused, evaluate other travel credit cards from Axis Bank or other lenders that offer similar benefits for frequent flyers.
- Check Existing Card Benefits: If you are an existing Axis Bank Vistara cardholder, verify how the updated terms affect your Club Vistara Points earning, lounge access, and complimentary ticket benefits.
- Understand Eligibility for Add-on Cards: For add-on cards, ensure the applicant is 15 years or older and is a resident or non-resident Indian, meeting the specified criteria.
- Verify Income Requirements: Primary cardholders for the Axis Bank Vistara Infinite Credit Card need a minimum net income of ₹24 lakhs per annum, while other variants may require ₹6 lakhs annually.
Key Takeaways
- Axis Bank is not currently accepting new applications for its Vistara co-branded credit cards as of 2026.
- Terms and Conditions for existing Vistara cards were updated on November 12, 2024, and April 18, 2025.
- Minimum annual income for the Axis Bank Vistara Infinite Credit Card is ₹24 lakhs, while other variants require ₹6 lakhs.
For the most current information on card availability and updated terms, contact Axis Bank directly or visit their official website.
Frequently Asked Questions (FAQs)
What are the main benefits of the Axis Bank Vistara Credit Card?
The Axis Bank Vistara Credit Card offers accelerated reward points on Vistara spends, complimentary Vistara flight tickets, and lounge access at select Indian airports. You can earn 2 Maharaja Points for every ₹200 spent on the base variant, redeemable for upgrades and award flights. Higher variants like Signature and Infinite offer up to 4-6 points per ₹200 and additional benefits.
What is the minimum income required for the Axis Bank Vistara Infinite Credit Card?
To be eligible for the Axis Bank Vistara Infinite Credit Card, primary cardholders need a minimum net income of ₹24 lakh per annum. This requirement ensures applicants can manage the card’s premium features and credit limit. The applicant must also be an Indian resident or an NRI aged between 18 and 70 years.
What are the annual fees for the Axis Bank Vistara Credit Card variants?
The Axis Bank Vistara Credit Card has varying annual fees depending on the variant. The base Axis Bank Vistara Credit Card typically has a lower annual fee, while the Signature and Infinite variants come with higher fees. Always verify the latest fee structure directly with Axis Bank, as these can be updated periodically.
How do the Vistara and Air India merger affect the Axis Bank Vistara Credit Card?
The Vistara and Air India merger has led to updates in the Terms & Conditions for all Axis Bank Vistara Credit Cards. These changes became effective from November 12, 2024, and further updates were scheduled for April 18, 2025. Cardholders should review the revised terms on the Axis Bank website for specific impacts on benefits and reward programs.
Can I still apply for a new Axis Bank Vistara Credit Card in 2026?
As of early 2026, Axis Bank has discontinued sourcing new applications for its Vistara co-branded credit cards. This change follows the Vistara-Air India merger and subsequent revisions to card terms. Existing cardholders continue to use their cards under the updated terms and conditions.
What are the reward points for the Axis Bank Vistara Signature Credit Card?
The Axis Bank Vistara Signature Credit Card offers 4 Maharaja Points for every ₹200 of eligible spends. These points can be redeemed for Vistara flight upgrades and award flights. Cardholders also receive bonus Maharaja Club Points and up to 4 Premium Economy class ticket vouchers upon achieving specific spending milestones.
What is the age eligibility for the Axis Bank Vistara Credit Card?
Primary cardholders for all Axis Bank Vistara Credit Card variants must be between 18 and 70 years of age. This age criterion is standard across most credit card products offered by Indian banks. Additional eligibility factors include income and residency status.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.