Summary
The Axis Bank Vistara Credit Card is a premium credit card for frequent travelers, especially those who fly with Vistara Airlines. It provides various exclusive benefits and facilities that simplify traveling as well as make it even more rewarding. For every transaction, this card offers club miles that one can redeem for flight tickets, upgrades, and more.
Other benefits of the card are travel insurance, fuel surcharge waivers, offers on dining and shopping, and bonus miles earned for spending towards milestones. There is a joining fee of ₹1,499 plus GST and an annual fee of ₹1,499 which is waived on annual spends above ₹5,00,000. The list of finance charges includes late payments and cash advances.
To be eligible for the card, applicants must be between 18-70 years of age with a minimum annual income of ₹10 lakhs for self-employed professionals or proof of employment for salaried individuals. The documents required are identity proof, address proof, income verification, and a recent photograph.
Introduction
In today’s time, when travel has become an important part of our lives, we need a better credit card to make our travel even more wonderful and easy. In this direction, Axis Bank has introduced a better option in the form of the Axis Bank Vistara Credit Card, which is especially for those who want to take their travel to a new height.
Axis Bank Vistara Credit Card is a special credit card introduced in partnership with Vistara Airlines. Through Vistara Credit Card, you can make your travel not only easy but also easier.
Let us know in detail about Axis Bank Vistara Credit Card in this article and also know the benefits of Axis Bank Vistara Credit Card in detail. So stay till the end of this article so that later you do not have any problem in knowing anything related to Axis Bank Vistara Credit Card.
What is the Axis Bank Vistara Credit Card?
Vistara Credit Card is a special credit card offered under the partnership between Axis Bank and Vistara Airlines. Axis Bank Credit Card is designed for those who love to travel and want to make their travel even more easy and rewarding.
How is the design of the Axis Bank Vistara Credit Card?
Credit Card is designed in a sleek and elegant manner. It possesses modern and stylish looks with a mix of black and gold. It thus gives a very premium look and feel. The Vistara logo and the Axis Bank branding are strongly exhibited throughout, so it’s rather eye-catching. The clean design is functional yet sophisticated and stands out from other credit cards. Generally speaking, the design is a manifestation of the premium class of benefits and rewards associated with the card.
What are the benefits of the Axis Bank Vistara Credit Card?
The main rewards and benefits are as follows:
- Vistara Club Miles: You earn club miles for each purchase, and these can be used to buy tickets, upgrades, and many more. For instance, for every ₹100 spent on the card, you earn 1 Club Mile.
- Welcome Benefits: After you get the card, you get a welcome gift of the membership of Club Vistara Silver, through which you enjoy perks like priority check-in and extra baggage allowance.
- Bonus Miles: For reaching spending milestones, you earn bonus Club Miles, which you can use for booking flights and other rewards.
- Free Lounge Access: You are granted free access to airport lounges, giving you a relaxed atmosphere when traveling.
- Travel Insurance: You receive coverage in the event of any travel-related emergency, such as flight delays, lost baggage, and trip cancellations.
- Fuel Surcharge Waiver: Enjoy savings on fuel charges when using the card at petrol stations.
- Dining & Shopping Discounts: There are several discounts and offers on dining, shopping, and entertainment, which save you money on your daily expenditure.
What are the fees for the Axis Bank Vistara Credit Card?
Here is a simple breakup of the Axis Bank Credit Card fees.
Joining Fee | ₹1, 499 + GST (one-time fee when you get the card). |
Annual Fee | ₹1, 499 = GST per year. This will be waived if you spend ₹5,00,000 or more in a year. |
Add-on Card Fee | No charges for additional cards for family members. |
Finance Charges | 2.95% per month (42% annually) on the outstanding balance if you don’t pay your bill in full. |
Cash Advance Fee | 2.5% of the amount withdrawn or ₹250, whichever is higher. |
Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a Vistara Credit Card?
The following are the primary requirements:
- To apply for the Vistara Credit Card, you must be between 18 and 70 years old.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs.10 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for Axis Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an Axis Bank Vistara Credit Card?
The documents that you will have to submit to get an Axis Bank Vistara Credit Card are as below:
Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
Address Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons |
Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
Photograph | The latest passport-sized photograph |
Where can the Vistara Credit Card be used?
Here is the list of places where you can use it:
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Axis Bank Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- Vistara Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Axis Bank Credit Card?
The credit amount you can spend is what you are provided with a Vistara Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
How do you apply for an Axis Bank Vistara Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the Axis Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by Axis Bank; for instance, you can choose the Axis Bank Vistara Credit Card.
- Just hover your cursor on the Axis Bank Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest Axis Bank branch to apply for the Axis Bank Credit Card.
- Request for the credit card application form of the Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Axis Bank Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Axis Bank Card website, or mobile app or by calling their customer service.
- You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.
Would getting an Axis Bank Vistara Credit Card in 2025 be right?
Yes, getting an Axis Bank Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit.
Conclusion
Axis Bank Vistara Credit Card is a credit card specially designed for those who want to make their travels not only comfortable but also financially profitable. Axis Bank Credit Card offers an unmatched combination of numerous benefits and facilities in association with Vistara Airlines, which gives a premium experience to the passengers traveling.
With the help of Credit Card, all travel-related expenses can be made easy and beneficial. Be it business travel or personal travel, Axis Bank Vistara Credit Card provides you with premium facilities at every step.
Frequently Asked Questions (FAQ’s)
Ans: Yes, new cardholders of Credit Card are given Vistara Points as a welcome bonus, which can be used for booking flight tickets.
Ans: You can earn Vistara Points through your everyday expenses, which could be in shopping, traveling, dining out in restaurants, etc. These points will be credited towards flight booking and upgrade.
Ans: Yes, you can enjoy the facilities of select airport lounges by using a Credit Card which makes your journey more comfortable.
Ans: Yes, Credit Card comes with an annual fee applicable that may vary with the type and category of the card. However, the benefits it offers make the fee worthwhile.
Ans: 1 lakh, the total amount outstanding against you in the form of balance, fees, and charges should not exceed this limit. In case you cross this limit, you might incur an over-limit fee.