Axis Bank Vistara Credit Card

Axis Bank Vistara Credit Card

Fee

Joining Fee: Rs 1500+GST
Annual Fee: Rs 1500+GST

Type

Airmiles, Co-Branded

Return

2.8%

Rating

3.7/5

Issued On

Visa

Benefits

Milestone Rewards, Domestic Airport Lounge Access

Table of Contents

Do you often book flights on domestic routes that Vistara operates on? Then, Vistara co-branded credit cards can be a quicker way to earn miles and free tickets. Axis and Vistara have three credit cards that offer complimentary tickets and CV points. The Axis Bank Vistara credit card is the base variant with a joining and annual fee of Rs 1500. We get an economy ticket in lieu of both the joining and annual fee. We also have three economy tickets as milestone benefits on meeting the target spends.

Fees and Charges

Joining FeeRs 1500+GST
Welcome Benefit1 complimentary Economy ticket
Activation Benefit1000 CV points for Rs 50,000 spend in the first 90 days
Annual FeeRs 1500+GST
Annual Fee WaiverNone
Renewal Benefit1 complimentary Economy ticket
Club Vistara StatusBase
Axis Bank Vistara Credit Card: Fees & Charges

The Axis Bank Vistara Credit Card rewards you for just holding the card. We get a premium economy ticket in lieu of the joining and annual fee. With soaring airfares, the price of the free economy ticket is definitely more than Rs 1500. The revenue price for that ticket would be at least Rs 4000 depending on the route. So, we get a benefit that is more than the fee we pay.

LTF IndusInd Bank Credit Cards

Rewards

Spend TypeRewards
Retail Spends2 CV points/Rs 200 ~0.8% Return
Fuel, Wallet, Rental, Govt. Services and UtilitiesNo CV points
Vistara Spends (Base Status Benefit)8 CV points/Rs 100
Axis Bank Vistara Credit Card Review: Rewards

Spends Excluded from CV Points for Axis Bank Vistara Credit Card

The Axis Vistara credit card does not earn CV points on Fuel, Wallet, Rental, Government, and Utility spends. This will include spends such as NPS, tax payments and even a normal mobile or electricity bill.

We have valued each CV point at 80 paise. The actual value may be more or less than that depending on the availability of award tickets and corresponding revenue prices. The list of spends where the Axis Vistara credit card does not get CV points keeps growing with utilities and government payments being the latest exclusions.

Milestone Rewards

We can get up to three economy tickets as milestone benefits on achieving the target spends.

Spends Excluded from Milestone Benefits for Axis Bank Vistara Credit Card

The Axis Bank Vistara credit card does not count Wallet, Rental, Government and Utility as eligible spends for milestone benefits.
MilestoneTarget SpendBenefit
1Rs 1.25 Lakh1 Economy Ticket
2Rs 2.5 Lakh1 Economy Ticket
3Rs 6 Lakh1 Economy Ticket
Axis Bank Vistara Credit Card: Milestone Benefits

Return on Spend

The price at which we can value the complimentary economy ticket depends on the route. I searched for two routes DEL-HYD and DEL-BOM and the cheapest economy tickets were priced at Rs 4801 and Rs 5536.

LTF IDFC First Bank Credit Cards
  • Approximate Cost of Economy Ticket: Rs 5000
  • Approximate Cost of Redemption for Taxes and Surcharges: Rs 1000
  • Value of each complimentary economy ticket: Rs 4000

It is always possible to get a better value for the economy ticket. So we get CV points worth Rs 4800 and 3 Economy tickets worth Rs 12000, this is a return of Rs 16800 or 2.8%. This is pretty decent for an entry-level airline card.

Complimentary Airport Lounge Access

  • Domestic Airport Lounge Access: 2 complimentary visits per quarter. Check this list of eligible lounges for access.
  • International Airport Lounge Access: None

Axis Bank Dining Delights EazyDiner Offer

The Axis Bank Vistara credit card also gets access to the Dining Delights offers with EazyDiner.

Axis Bank Dining Delights EazyDiner Offer - Axis Bank Vistara Credit Card
  • Get 25% off up to Rs 800 at EazyDiner partner restaurants
  • Valid once per card per month

Other Benefits & Charges

  • Fuel Surcharge Waiver: None
  • Foreign Currency Markup: 3.5%+GST ~4.13%
  • Interest Charges: 3.6% per month or 52.86% annually
  • Golf Benefits: None

Final Thoughts

Vistara flies very limited routes in India. So, the Axis Vistara co-branded cards make sense only if you reside in one of those cities. The 2.8% return on the card is ok but we can easily get cashback credit cards that offer a similar return in cash. Some of the cashback credit cards are Axis Bank Ace, AU Xcite Ace, and SBI Cashback. However, you can still get the Axis Bank Vistara credit card just for its welcome and renewal benefit. An economy ticket for just Rs 1500+GST is quite ‘economical’.

AU Bank Xcite Ace

If you are looking to get a Vistara co-branded credit, our current recommendation is the Club Vistara IDFC First Bank credit card. It offers milestone tickets without any spend exclusions at the moment. You can even hold both the Axis Bank Vistara credit card and the IDFC First Vistara card at the same time.

Frequently Asked Questions

Axis Bank Vistara Credit Card

Card Maven

Fees & Charges
Rewards
Features and Benefits
3.7
Axis Bank My Zone Credit Card LTF
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2 thoughts on “Axis Bank Vistara Credit Card”

  1. Hi ,

    Do we get same rewards for Rent Payment by vistara cards? Also, does it gets counted for milestone benefit?

    1. Card Maven

      No, rent payments are not counted for milestone benefits for Axis Vistara credit cards.

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