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Features of Axis Bank Vistara Infinite Credit Card

  • 1. Earn Maharaja Points on Spends:
    • Reward Rate: Earn 6 Maharaja Points for every ₹200 spent on eligible transactions.
    • Vistara Website Benefit: Get 10 Maharaja Points for every ₹100 spent directly on the Vistara website.
    • Redemption: Points can be used for award flights, upgrades, or bookings via the Vistara Cash + Points program (1 CV Point ≈ ₹0.20).
    • Exclusions: No points on spends for gold/jewelry, insurance, fuel, and utility bill payments (effective from January 3, 2024).
  • 2. Milestone Benefits:
    • ₹1 Lakh Spend: Get 10,000 bonus Maharaja Points.
    • ₹2.5 Lakh Spend: 1 Business Class ticket voucher.
    • ₹5 Lakh Spend: 1 Business Class ticket voucher.
    • ₹7.5 Lakh Spend: 1 Business Class ticket voucher.
    • Annual Cap: Maximum 4 Business Class tickets per year.
    • Note: These milestone benefits are discontinued for renewals after April 18, 2025.
Axis Bank Vistara Signature Credit Card
    • Complimentary Lounge Access: Cardholders enjoy two complimentary domestic lounge visits per quarter at select airports in India participating in the Visa Lounges program. This benefit is subject to specific spending criteria, which were revised in 2024. While domestic lounge access is valuable for frequent travelers, the card lacks international lounge access, which is a drawback for a premium travel card.
    • High Forex Markup Fee: A notable downside is the 3.5% forex markup fee for international transactions, which is relatively high for a premium travel card. This makes the card less ideal for frequent international spending compared to competitors with lower forex fees.
    • Priority Services via Gold Membership: The Maharaja Club Gold Membership provides priority services, including: Priority Check-In: Faster check-in at dedicated counters. Priority Boarding: Early boarding for a seamless travel experience. Additional Baggage Allowance: Extra luggage capacity for added convenience. Priority Baggage Handling: Quicker retrieval of luggage upon arrival. Priority Waitlist Clearance: Higher priority for seat confirmations. Guaranteed Economy-Class Seat: Available upon request within 48 hours of departure if premium seats are unavailable. These privileges enhance the travel experience, particularly for Vistara flights, but their continuation depends on meeting the Gold Membership renewal criteria.
    • Eligibility Criteria: To qualify for the card, applicants must: Be aged 18 to 70 years. Have a minimum annual income of INR 6 lakh. Be a resident of India. Provide income proof (e.g., Form 16, payslips, IT returns) and residence proof (e.g., passport, driving license, electricity bill). These criteria target middle to high-income professionals who frequently travel.
    • Fees and Charges: Joining Fee: INR 10,000. Annual Fee: INR 10,000. Add-On Card Fee: Not specified, but standard fees apply as per Axis Bank’s policy. The high fees reflect the card’s premium positioning, but the welcome Business Class ticket and Gold Membership often offset the initial cost for frequent travelers.
    • Devaluation Post-Merger: Following the Vistara-Air India merger, the card’s terms have been updated, effective November 12, 2024, with further devaluations planned for April 18, 2025. Key changes include: Removal of milestone benefits for renewals post-April 18, 2025. Stricter criteria for Gold Membership renewal. Exclusion of certain spending categories (e.g., gold, insurance) from rewards and milestone calculations. These changes diminish the card’s value, particularly for high spenders who relied on milestone benefits.
    • Limited International Benefits: The card’s focus on domestic travel benefits, such as lounge access and Vistara-specific perks, limits its appeal for international travelers. The lack of international lounge access and high forex fees are notable drawbacks.
Axis Vistara Signature Benefits

Benefits of Axis Bank Vistara Infinite Credit Card

Travel Benefits

  • Complimentary Business Class Tickets: One of the standout features of the Axis Bank Vistara Infinite Credit Card is the complimentary Business Class ticket voucher provided as a welcome gift upon payment of the joining fee. This benefit is renewed annually upon payment of the annual fee, offering cardholders a luxurious travel experience each year. Additionally, the card’s milestone program allows cardholders to earn up to four complimentary Business Class tickets annually by meeting specific spending thresholds: Rs. 2.5 lakh, Rs. 5 lakh, Rs. 7.5 lakh, and Rs. 12 lakh within a card anniversary year. These vouchers, though subject to a nominal tax of approximately Rs. 500–1,000, provide significant value, especially for short-haul domestic flights where Business Class tickets can cost upwards of Rs. 20,000.
    • Reward Points: Earn 4 Maharaja Points per ₹200 spent on eligible transactions, redeemable for Air India flights or upgrades (value: ~0.75–1 INR per point).
    • Lounge Access: 2 complimentary domestic lounge visits per quarter (up to 8/year) with ₹50,000 spend in prior 3 months.
    • Dining Perks: 25% off up to ₹800 monthly at partner restaurants via EazyDiner.
    • Golf Privileges: 3 complimentary golf rounds annually at select premium courses.
    • Insurance Coverage: ₹2.5 crore air accident cover, ₹1 lakh purchase protection, and up to USD 500 for baggage loss/delay.
    • EMI Flexibility: Convert purchases of ₹2,500+ into EMIs for better cash flow management.
    • Extraordinary Weekends: Access to curated experiences like airport transfers and concierge services.
    • Visa Signature Benefits: Exclusive merchant discounts and additional lounge access opportunities.
    • Travel Convenience: Priority services and extra baggage make travel more comfortable.
    • Point Redemption: Flexible redemption options for flights or upgrades via Air India's website.
    • Merger Protection: Benefits guaranteed until March 31, 2026, despite Vistara-Air India merger.
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How to Apply for Axis Bank Vistara Infinite Credit Card

  • 1. Online Application Process
    • Visit the official Axis Bank website (www.axisbank.com).
    • Navigate to "Explore Products" > "Cards" > "Credit Cards" > "Explore All".
    • Select the Vistara Infinite Credit Card from the list and click on it.
    • Click "Apply Now" to begin the application.
    • Fill in the form with your personal details: full name, mobile number, state, city, PAN, income, and PIN code.
    • Complete the CAPTCHA and authorize Axis Bank to proceed.
    • Submit the form and complete OTP verification if prompted.
    • Upload required documents or follow on-screen instructions for submission.
    • Await a follow-up from an Axis Bank representative for verification and final steps.
  • 2. Offline Application Process
    • Locate and visit the nearest Axis Bank branch using their branch locator tool.
    • Request the Vistara Infinite Credit Card application form.
    • Fill in accurate personal and financial details.
    • Attach necessary documents (originals and photocopies) and a passport-sized photograph.
    • Submit the completed form to the bank representative.
    • The bank will verify the documents and notify you of further steps.
  • 3. Alternative Application Channels
    • Missed Call: Give a missed call to 7043670436 for a callback from Axis Bank.
    • SMS: Send “VISTARA” to 5676782 to initiate the application process.
    • Email: Write to email.services@axisbank.com expressing your interest, along with your contact details.
  • 4. Application Status Tracking & Post-Application Steps
    • Track your application online using your reference number, PAN, or mobile number.
    • Alternatively, use Axis Bank NetBanking or call customer care at 1800 419 0065.
    • Processing time: 7–21 working days, depending on eligibility and verification.
    • If approved, you’ll receive confirmation via SMS or email, and the card will be dispatched.
    • Activate the card via net banking, mobile app, or customer care.
    • If declined, inquire about the reason and reapply after resolving the issue (e.g., credit score, documents).
  • 5. Tips for a Successful Application
    • Maintain a good credit score (preferably above 750).
    • Ensure that all application information is accurate and matches your documents.

Eligibility Criteria for Axis Bank Vistara Infinite Credit Card

  • 1. Basic Requirements
    • Age: 18–70 years for primary cardholder.
    • Residency: Must be a resident of India with valid address proof.
    • Minimum Income: ₹24 lakh net annual income preferred.
    • Credit Score: Preferably 750 or higher.
  • 2. Residency & Jurisdiction
    • Only Indian residents are eligible.
    • Applicants must reside in Axis Bank’s serviceable areas.
    • NRIs typically not eligible unless valid residential status in India is proven.
  • 3. Age Criteria
    • Primary cardholder: 18 to 70 years.
    • Add-on cardholder: Minimum 18 years of age.
  • 4. Income Documentation
    • Salaried: Latest salary slips, Form 16, or bank statements showing ₹2 lakh+ monthly income.
    • Self-Employed: ITRs for last 1–2 years showing ₹24 lakh+ annual income.
    • Income stability from a reputed employer or well-established business is preferred.
  • 5. Credit Profile
    • Good CIBIL score (preferably 750+).
    • No payment defaults in last 24 months.
    • Low debt-to-income (DTI) ratio recommended.
  • 6. Documentation
    • Identity Proof: PAN card (mandatory), Aadhaar, passport, etc.
    • Address Proof: Aadhaar, passport, utility bills, rental agreement.
    • Income Proof: Salary slips, Form 16, ITRs, bank statements.
    • Photograph: Recent passport-size photo required.
  • 7. Banking Relationship
    • Having an Axis Bank account or existing credit card may boost approval chances.
  • 8. Additional Notes
    • Axis Bank may ask for extra documents like business proof or employment ID.
    • Approval is subject to Axis Bank’s internal policies and risk assessments.
  • 9. Discontinuation Update
    • This card has been discontinued for new applications post Air India–Vistara merger.
    • Existing cardholders can continue using the card.
    • Check Axis Bank’s website for updates or alternative premium travel cards.
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Documents Required for Axis Bank Vistara Infinite Credit Card

  • Identity Proof:
    • PAN Card (self-attested) – Mandatory for most applicants.
    • Aadhaar Card (masked) – Optional but widely accepted.
    • Passport – Valid and not expired.
    • Voter ID – Issued by Election Commission of India.
    • Driving License – Must be current and legible.
  • Address Proof:
    • Aadhaar Card (masked and updated).
    • Passport with current address.
    • Driving License (updated address).
    • Recent utility bill (electricity, water, or landline; not older than 3 months).
    • Bank statement or passbook with printed address (not older than 3 months).
    • Ration Card (accepted in certain cases).
  • Income Proof:
    • Salaried Individuals:
      • Latest 2–3 months’ salary slips (₹50,000+ monthly).
      • Latest Form 16 (issued by employer).
      • Recent bank statements (3–6 months with salary credits).
    • Self-Employed Individuals:
      • Latest ITR with computation (1–2 years, ₹6–12 lakh income).
      • Bank statements (6–12 months showing income).
      • Business proof (e.g., GST certificate, shop license).
  • Photograph:
    • 1–2 recent passport-sized color photos with plain background.
  • Application Form:
    • Duly filled and signed Axis Bank Credit Card Application Form.
    • Available online or at any Axis Bank branch.
  • Optional/Additional Documents:
    • Form 60 (if no PAN card – rare).
    • Club Vistara membership details (optional for travel profiling).
    • Recent credit card statements (last 3 months) – if applicable.
    • Employer certificate or business registration documents – if requested.

Key Factors for Axis Bank Vistara Infinite Credit Card

  • Welcome Benefit: Complimentary business class ticket (worth ₹15,000–₹35,000) on joining and renewal.
  • Annual Fee: ₹10,000 + GST; offset by ticket value and benefits.
  • Club Membership: Free Club Vistara Gold (1st year only). Renewal needs 4 flights & 15,000 Tier Points/year.
  • Rewards: 6 Maharaja Points per ₹200 spent, 10 Points/₹100 on Vistara website.
  • Welcome Bonus: 10,000 Maharaja Points on spending ₹1 lakh in 90 days.
  • Milestone Benefits: 4 business class tickets on reaching spends of ₹2.5L, ₹5L, ₹7.5L, and ₹12L annually.
  • Exclusions: No rewards/milestone credit for spends on fuel, insurance, utilities, wallet loads, gold, and govt. payments.
  • Lounge Access: 2 domestic visits per quarter (8/year) with ₹50,000 spend in previous 3 months. No international access.
  • Golf Access: 6 complimentary rounds annually at premium courses in India.
  • Dining Perks: Up to 40% off via EazyDiner (capped at ₹1,000/month).
  • Concierge: 24/7 lifestyle and travel assistance including bookings and reservations.
  • Online Travel Offers: Up to 15% off on MakeMyTrip, Goibibo; 30% off on Swiggy (up to ₹150).
  • Insurance: ₹2.5 crore air accident, ₹1 lakh purchase protection, baggage/travel document cover in USD.
  • Fuel Surcharge Waiver: 1% waiver on ₹400–₹4,000 spends (capped at ₹400 per statement cycle).
  • Foreign Exchange Fee: 3.5% of transaction value – high for a premium card.
  • Other Charges: 3.6% p.m. interest, ₹500+ cash withdrawal fee, up to ₹1,200 late payment fee, over-limit fee 2.5%.
  • Eligibility: Age 18–70 years, minimum annual income ₹6 lakh. CIBIL score and history also considered.
  • Application Process: Apply online/offline with ID, address, and income proof. Status trackable via Axis Bank portal.
  • Merger Impact: Vistara–Air India merger from Nov 2024 may affect reward value/redemption under Flying Returns.
  • Redemption Caveats: Limited award seat availability, especially for groups or last-minute bookings. Max 3 award seats/flight.

Frequently Asked Questions (FAQs)

1. What is the Axis Bank Vistara Infinite Credit Card?
It is a premium travel credit card offered by Axis Bank in partnership with Vistara Airlines, designed for frequent travelers.
2. Who is eligible to apply for this card?
Indian residents aged 18–70 years with a stable income and a good credit score are generally eligible. Income proof may be required.
3. What is the joining fee and annual fee for this card?
The card comes with a joining and annual fee of ₹10,000 + GST.
4. What welcome benefits do I get?
You receive a complimentary Vistara Business Class ticket as a welcome gift upon card activation.
5. How do I earn Club Vistara (CV) Points with this card?
You earn 6 CV Points for every ₹200 spent on the card, excluding fuel and certain categories.
6. Are there milestone benefits?
Yes, you can earn up to 4 complimentary Business Class tickets in a year based on annual spending milestones.
7. Does the card offer lounge access?
Yes, it offers complimentary access to domestic and select international airport lounges.
8. Is there any travel insurance or air accident cover?
Yes, the card provides air accident insurance of up to ₹2.5 crore along with other travel-related covers.
9. Is the card internationally accepted?
Yes, it is accepted globally wherever Visa cards are accepted.
10. Can I transfer my CV Points to other frequent flyer programs?
No, CV Points are specific to the Club Vistara program and cannot be transferred to other loyalty programs.
11. What are the fuel surcharge benefits?
You get a 1% fuel surcharge waiver at all fuel stations in India for transactions between ₹400 and ₹4,000.
12. How do I track and redeem my CV Points?
You can track and redeem your CV Points via the Club Vistara website or app by linking your credit card account.
13. Can I get add-on cards for family members?
Yes, you can apply for add-on cards for family members above 18 years of age.
14. What is the credit limit on this card?
The credit limit is determined by Axis Bank based on your income profile and creditworthiness.
15. How can I apply for the Axis Bank Vistara Infinite Credit Card?
You can apply online through the Axis Bank website, visit a branch, or apply via select third-party financial platforms.

List of Axis Bank Vistara Infinite Credit Card Branches in Andhra Pradesh

  • Andhra Pradesh (ADDANKI)
  • Andhra Pradesh (ADONI)
  • Andhra Pradesh (AIR BYPASS ROAD, TIRUPATI)
  • Andhra Pradesh (AKKAYYAPALEM, VISAKHAPATNAM)
  • Andhra Pradesh (ALAMURU)
  • Andhra Pradesh (ANAKAPALLE)
  • Andhra Pradesh (ANANTAPUR)
  • Andhra Pradesh (ASHOK NAGAR KAKINADA)
  • Andhra Pradesh (BAPATLA)
  • Andhra Pradesh (BELLARY ROAD, ANANTAPUR)
  • Andhra Pradesh (BETHAMCHERLA)
  • Andhra Pradesh (BHAVANIPURAM, VIJAYAWADA)
  • Andhra Pradesh (BHIMAVARAM)
  • Andhra Pradesh (BOBBILI)
  • Andhra Pradesh (CHILAKALURIPET)
  • Andhra Pradesh (CHIRALA)
  • Andhra Pradesh (CHITTOOR)
  • Andhra Pradesh (CHODAVARAM)
  • Andhra Pradesh (CUDDAPAH)
  • Andhra Pradesh (DHARMAVARAM)