Axis Bank Vistara Credit Card

The Axis Bank Vistara credit card is known for the rewards it offers under various categories. Along with providing Air insurance, the card also gives you 15% on your dining expenses. On activation, you will be getting 1,000 Vistara points which can be redeemed. This card comes with an interest rate of 41.5% per annum along with a joining fee of Rs.1,500 and an annual fee of Rs.1,500 as well.

Axis Bank is no longer accepting new applications for this credit card.

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Key Highlights of Axis Bank Vistara Card

As a frequent flyer, there are a few things you probably always look for. These include complimentary flight upgrades, priority boarding, and a complimentary flight ticket or two. You get all of this and more with the Axis Bank Vistara Credit Card.

  1. Get a complimentary economy class flight ticket as a welcome gift.
  2. Get your Club Vistara membership for free.
  3. Earn 2 Club Vistara (CV) Points for every Rs.200 that you spend.
  4. Get economy class tickets for free when you reach milestone spends.
  5. Up to Rs.2.5 crore complimentary air accident insurance.
  6. Complimentary lounge access at airports in India.

Benefits & Features of Axis Bank Vistara Card

Welcome gift: Get a complimentary one-way economy ticket in the form of a base fare voucher when you sign up for this card. The voucher is valid for 6 months and can be used when you book a domestic flight.

Club Vistara membership: Enjoy your complimentary Club Vistara membership with this card. This frequent flyer programme lets you earn accelerated rewards when you make bookings directly on Vistara's website or when you use their app to check-in. Each Club Vistara (CV) Point takes you that much closer to a different tier. Moreover, each tier opens a door of possibilities.

Earn 2 CV Points per Rs.200: Use your Vistara Credit Card on eligible spends and get 2 CV Points for every Rs.200 that you spend. These points can be redeemed for a flight ticket.

Up to 2 economy class tickets and bonus points: Depending on how much you spend each year, you not only get to earn bonus CV Points, but you also stand the chance to get up to 2 economy tickets.

Spend Rs.50,000 within the first 90 days from the date of issuance of your card and get 1,000 CV Points. Spends of Rs.1,25,000 earn you 1 economy ticket and spends of Rs.2,50,000 and more earn you 1 economy ticket as well.

Enjoy exclusive lifestyle privileges: Get complimentary access to selected airport lounges in India. In addition to this, you also get a minimum of 15% off at partner restaurants across the country with Axis Bank Dining Delights.

If this doesn't cut it for you, then consider relaxing on a yacht or getting a top chef to create a meal exclusively for you in the comfort of your home. The Axis Bank Vistara Credit Card lets you access all of these unique experiences with their Extraordinary Weekends programme.

Stay protected with complimentary insurance coverage: This card lets you enjoy the following privileges:

  1. Up to Rs.2.5 crore air accident protection.
  2. Up to Rs.1 lakh purchase protection.
  3. Up to $300 coverage for lost travel documents and delay of check-in baggage.
  4. Up to $500 coverage for loss of check-in baggage.
  5. Enjoy lost card liability up to 100% of your credit limit.

Buy now and pay later by converting purchases to EMIs: Make a transaction for Rs.2,500 or more and contact Axis Bank to help you convert this purchase into affordable monthly instalments.

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Axis Bank Vistara Credit Card Limit

When you get your credit card, you will be assigned a credit limit. This is the limit beyond which you should not make any transactions. For example, if your credit limit is Rs.1 lakh, your total outstanding balance, fees, and charges should not exceed this limit. If you do exceed this limit, you may be charged an over limit fee. The card issuer will provide you with information regarding your credit limit when you receive your credit card.

Axis Bank Vistara Credit Card Reward Points

As previously mentioned, you earn 2 CV Points per Rs.200 that you spend. You can also earn accelerated CV Points by making transactions on Vistara's website and by completing your check-in on their mobile application.

How to Redeem Club Vistara Points

The Club Vistara Points you earn can be redeemed for Award Flights on the Vistara website.

  1. Login to your CV account through Vistara website.
  2. My Account. Click on 'Redeem Now' button.
  3. Click on 'Redeem Flights' to search Flight
  4. Select Flight to redeem CV Points and click on 'Next'
  5. Review flight details and click on 'Next' to proceed
  6. Enter Passenger details and click on 'Next'.
  7. Select payment methods and fill in the details
  8. You have successfully redeemed the Award Flight(s) using CV Points.
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Fees & Charges of Axis Bank Vistara Credit Card

Charge

Amount

Joining Fee (Primary Cardholder)

Rs.1,500

Joining fee (add-on cardholder)

Nil

Annual fee from year-2 onwards (primary cardholder)

Rs.1,500

Annual fee from year-2 onwards (add-on cardholder)

Nil

Interest rate (cash and retail purchases)

2.95% per month (41.75% p.a.)

Cash withdrawal or cash advance fees

2.5% of the amount withdrawn, subject to a minimum of Rs.250

Fee incurred for cash payments

Rs.100

Re-issuing or replacement of lost or stolen card

Waived

Penalty for late repayment

Up to Rs.100: Nil

Rs.101 to Rs.300: Rs.100

Rs.301 to Rs.1,000: Rs.300

Rs.1,001 to Rs.5,000: Rs.500

Rs.5,001 to Rs.20,000: Rs.600

Rs.20,001 and above: Rs.700

Penalty applicable for over-limit

3% of the amount over limit, subject to a minimum of Rs.500

Foreign currency transaction fee

3.5% of the transacted amount

Copy request or chargeslip retrieval

Waived

Outstation cheque

Waived

Auto-debit reversal or fee involved in cheque return or dishonour

Rs.300

Do keep in mind that these charges are subject to change.

Eligibility & Documentation of Axis Bank Vistara Credit Card

To apply for the Axis Bank Vistara Credit Card, you need to fulfil the following eligibility criteria:

  1. You must be an Indian Resident.
  2. You must be between 18 to 70 years.
  3. Add-on cardholders need to be above 18 years of age.
  4. You should have a minimum annual income of Rs.6 lakh p.a.

The documents you will need to submit are:

  1. A photocopy of your PAN card or your Form 60.
  2. Proof of income in the form of your latest payslip, a copy of your IT returns, or your Form 16.
  3. Any one of the following documents can be submitted as proof of residence:
    1. Driving license
    2. Passport
    3. Ration card
    4. Landline telephone bill
    5. Electricity bill
  4. Your latest photograph (in colour).

Note: This list of documents is purely indicative and may change on a case-to-case basis.

FAQs on Axis Bank Vistara Credit Card

  • What do I do if I lose my Axis Bank Vistara Credit Card?

    If you find that your credit card is lost or is missing, inform the bank immediately. You can call 1860 419 5555 or 1860 500 5555 and report the loss of your card.

  • Is there an interest-free period on my credit card?

    Yes, you have an interest-free period up to 50 days on all retail transactions.

  • Can I pay my credit card bill via cheque?

    Yes, you can pay your credit card bill via cheque. However, ensure that the cheque is not post-dated, is drawn on a local bank, and is dropped at least 5 days before your payment due date.

  • Which Club Vistara tier will I start at with this credit card?

    With your Axis Bank Vistara Credit Card, you will start at the CV Base tier. As you spend and collect CV points you will move up the tiers. The highest tier is the CV Platinum tier.

  • Do I get tier points for every booking that I make with Vistara using this credit card?

    No. Tier points are not applicable for bookings made under Economy Lite.

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