Axis Bank Vistara Signature Credit Card Review

In the world of co-branded credit cards, Axis Bank’s partnership with Air Vistara brings forth an enticing array of options for travel enthusiasts. Among these offerings, the Axis Bank Vistara Signature Credit Card stands as the second most premium choice, perfectly tailored for frequent domestic flyers seeking a mid-range travel credit card.

With an initial joining fee of Rs. 3,000, this credit card welcomes its holders with a host of exciting benefits. Designed to enhance your travel experience, it offers a multitude of perks, including complimentary domestic airport lounge access, travel-related insurance benefits, complimentary air tickets, and even a complimentary Club Vistara Silver Membership.

The reward rate of the Axis Bank Vistara Signature Credit Card is impressive, allowing you to earn 4 CV (Club Vistara) Points for every Rs. 200 spent. These valuable points can be redeemed for a variety of enticing options, such as class upgrades, award flights, or even for booking any seat on Air Vistara. Furthermore, with 1 CV Point being equivalent to Rs. 0.20, the effective reward rate of the card stands at an enticing 0.8%. As an added incentive, you have the opportunity to earn up to 3,000 bonus CV points and receive four complimentary air tickets each year upon reaching the required spend milestone.

Beyond its travel-focused advantages, the Axis Bank Vistara Signature Credit Card extends its benefits to other areas of interest. Holders of this card can enjoy complimentary golf rounds and a range of insurance covers, ensuring peace of mind during their journeys.

Join us as we delve deeper into the enticing features and benefits of this co-branded credit card, brought to you by the alliance between Axis Bank and Air Vistara. Discover how the Axis Bank Vistara Signature Credit Card can elevate your travel experience and unlock a world of exciting possibilities.

Features and Benefits

• Welcome/Renewal Benefits: Upon signing up for the Axis Vistara Signature Credit Card, you will receive a complimentary Premium Economy Class air ticket. This benefit is extended to you every year upon renewing your membership. The voucher code for the complimentary ticket is conveniently added to your Club Vistara account, and it remains valid for 3 months from the date of issuance. Additionally, enjoy the privileges of complimentary Club Vistara Silver membership, which includes exclusive perks like priority check-in and additional baggage allowance. Start your membership with a remarkable journey and enjoy ongoing benefits with every renewal.
• Milestone Benefits: As you achieve specific spending milestones throughout the year, you will unlock impressive rewards. By reaching the stipulated spends, you can earn 3,000 Bonus CV Points and up to 4 Premium Economy Class air tickets annually. Refer to the provided table for a clear understanding of the rewards you can earn based on the amount spent. Maximize your benefits by reaching spending milestones and enjoy the rewards that await you.
• Dining Benefits: Indulge in memorable dining experiences with exclusive dining benefits. With the Axis Bank EazyDiner Program, you’ll enjoy a 25% discount of up to Rs. 800 on dining bills at partner restaurants. Additionally, avail yourself of exciting deals and offers through the Extraordinary Weekends program. Savor culinary delights while enjoying significant savings.
• Travel Benefits: Elevate your travel experience with an array of travel benefits. With every membership renewal, you will receive a complimentary Premium Economy Class ticket. Gain exclusive access to Club Vistara Silver Membership, providing you with priority check-in and additional baggage allowance. Moreover, enjoy the luxury of 2 complimentary domestic airport lounge access per quarter, totaling up to 8 lounge visits every year at select airports across India. Travel with convenience, comfort, and added privileges at your fingertips.
• Golf Privileges: Embrace your passion for golf with three complimentary rounds of golf each year at India’s premier golf destinations. Book your golf game through the dedicated website provided and enjoy an extraordinary golfing experience. Indulge in your love for golf and tee off at top-notch courses.
• Insurance Benefits: Stay protected during your travels with comprehensive insurance coverage. This credit card offers valuable insurance benefits, including coverage for loss of travel documents, delay in check-in luggage, and loss of check-in baggage. Enjoy peace of mind knowing that you have coverage worth $300 for loss of travel documents, $300 for delay in check-in luggage, and $500 for loss of check-in baggage. Travel with confidence, knowing you’re safeguarded against unforeseen circumstances.

Fees and Charges

• Spend based Waiver: No information available regarding spend-based waivers for this card.
• Rewards Redemption Fee: Enjoy the freedom of redeeming your rewards without any additional charges. No fees are levied for reward redemption.
• Foreign Currency Markup: When making transactions in foreign currencies, a foreign currency markup of 3.5% will be applied to the transaction amount. Experience the convenience of international spending with a competitive foreign currency markup.
• Interest Rates: The Axis Bank Vistara Signature Credit Card carries an interest rate of 3.6% per month, equivalent to 52.86% per annum. Manage your finances wisely to avoid incurring interest charges.
• Fuel Surcharge: A fuel surcharge of 1% will be applicable on fuel transactions made with the card. Enjoy the convenience of fuel purchases with minimal additional charges.
• Cash Advance Charge: If you need to withdraw cash using your credit card, a cash advance charge of 2.5% of the amount withdrawn will apply, subject to a minimum charge of Rs. 500. Access emergency funds when needed, but keep in mind the associated cash advance charges.
• Add-on Card Fee: Experience the flexibility of sharing the benefits of your Axis Bank Vistara Signature Credit Card with your loved ones at no additional cost. No fees are levied for obtaining an add-on card.

Axis Vistara Signature Credit Card Rewards

• Generous Rewards Rate: Maximize your rewards with every transaction. With the Axis Vistara Signature Credit Card, you earn 4 CV (Club Vistara) Points for every Rs. 200 spent. Enjoy a generous rewards rate on your everyday spending.
• Seamless Points Credit: Your hard-earned CV Points are promptly credited to your CV account. The CV Points earned during each billing cycle are credited to your account within 10 days from the statement generation date. Experience the convenience of quick and hassle-free points crediting.
• Exclusions: It’s important to note that CV Points cannot be earned on wallet reload transactions. Ensure you make eligible transactions to earn CV Points and make the most of your rewards.

Eligibility Criteria

To apply for the Axis Bank Vistara Signature Credit Card, please ensure that you meet the following eligibility criteria:

• Age: Applicants must be between 18 and 70 years old. Enjoy the benefits of the Axis Bank Vistara Signature Credit Card within the specified age range.
• Income: For both salaried individuals and self-employed individuals, a minimum annual income of Rs. 6,00,000 is required to be eligible for this credit card. Meet the income requirement to unlock the privileges of the Axis Bank Vistara Signature Credit Card.

How To Apply?

Applying for the Axis Bank Vistara Signature Credit Card is a simple and convenient process, offering both online and offline application options. Follow the steps below to apply for this credit card:

Offline Application

• Visit your nearest Axis Bank branch to initiate the application process.
• Obtain the physical application form from the bank representative.
• Fill in the required details accurately and completely.
• Submit the application form along with any necessary supporting documents as specified by the bank.

Online Application

• Start your application process by visiting the Axis Bank website.
• Locate the “Apply Now” button at the top of the page and click on it.
• Select the “Credit Cards” option from the available choices.
• Scroll down to find the Axis Bank Vistara Signature Credit Card and click on the “Apply Now” button associated with it.
• Proceed to provide the required details in the online application form.
• Ensure that you enter accurate and complete information.
• Submit the application form electronically.

Whether you choose to apply offline or online, make sure to review the eligibility criteria and have the necessary documents ready. The bank may require additional documentation or may contact you for further verification during the application process. Apply for the Axis Bank Vistara Signature Credit Card today and embark on a rewarding credit card journey.

Advantages

Axis Bank Vistara Signature Credit Card is designed to cater to the needs of frequent domestic flyers, offering a comprehensive range of benefits that align with their expectations from a travel credit card. With this card, you can enjoy a plethora of advantages:

• Free Premium Economy Ticket: Every year, you are entitled to a complimentary premium economy ticket, adding value to your travel experiences.
• Complimentary Club Vistara Silver Membership: As a cardholder, you gain access to Club Vistara Silver Membership, which comes with exclusive privileges such as priority check-in and additional baggage allowance.
• Complimentary Domestic Lounge Visits: The card grants you complimentary access to domestic airport lounges, providing a comfortable and relaxing pre-flight experience.

Despite its annual fee of Rs. 3,000, the Axis Bank Vistara Signature Credit Card remains highly competitive among airline co-branded travel credit cards. One of its standout advantages is the milestone benefits it offers. By reaching specific spending milestones, you not only earn bonus CV points but can also receive up to four complimentary air tickets, making your journeys even more rewarding.

In addition to the core benefits, this card goes the extra mile by providing additional perks such as golf privileges, insurance benefits, and a fuel surcharge waiver. These added advantages further enhance the overall value and appeal of the card, making it an excellent choice for frequent domestic flyers.

Also read:

How to check Axis balance| Axis Bank balance check number

Am I eligible for an Axis Credit Card?

Activate Axis Bank Debit Card for International Transactions

What are Consolidated Charges in Axis Bank? (Detailed)

FAQs

Is there a foreign currency markup fee for international transactions?

Yes, the Axis Bank Vistara Signature Credit Card charges a foreign currency markup fee of 3.5% of the transaction amount for international transactions.

Are there any milestone benefits associated with the Axis Bank Vistara Signature Credit Card?

Yes, on achieving specific spending milestones, you can earn bonus CV Points and up to 4 Premium Economy Class air tickets in a year. Refer to the terms and conditions to understand the spending milestones and associated rewards.

How can I earn CV (Club Vistara) Points with the Axis Bank Vistara Signature Credit Card?

You can earn 4 CV Points for every Rs. 200 spent with the card.

Can I redeem my CV Points for flights and upgrades?

Yes, you can redeem your CV Points for award flights, class upgrades, or any seat reservation under the Vistara Cash + Points program. The redemption value is 1 CV Point = Rs. 0.20.

What is the joining fee for the Axis Bank Vistara Signature Credit Card?

The joining fee for the Axis Bank Vistara Signature Credit Card is Rs. 3,000.

Conclusion

The Axis Bank Vistara Signature Credit Card stands out as an exceptional choice for frequent domestic flyers seeking a travel credit card. It offers a comprehensive package of benefits that cater to the needs and expectations of such travelers.

Moreover, the milestone benefits of earning bonus CV points and complimentary air tickets provide an added incentive to maximize the card’s potential. The annual fee of Rs. 3,000 is reasonable considering the extensive range of advantages and perks that come with the card.

Furthermore, the additional benefits, including golf privileges, insurance coverage, and a fuel surcharge waiver, contribute to the overall appeal and value of the Axis Bank Vistara Signature Credit Card.

Overall, this credit card presents a compelling proposition for frequent domestic flyers, combining convenience, rewards, and exclusive privileges. With its attractive features, the Axis Bank Vistara Signature Credit Card emerges as a top contender in the realm of airline co-branded travel credit cards, offering an excellent choice for those seeking a comprehensive and rewarding travel companion.

Author: Vedanti KiranVedanti is a female finance writer, currently pursuing her studies at Hansraj College. She has a passion for writing and travelling, and her articles on the stock market, finance, investment, and cryptocurrency are well-researched and informative. With her unique perspective on the world of finance, Vedanti is a go-to source for those seeking insights into the world of finance.