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What is the Axis Bank Vistara Credit Card?

If you are a frequent flyer who travels for pleasure or business, the Axis Bank Vistara credit card is just the card for you. The credit card comes with exclusive privileges and credit card benefits. With every swipe you make with the card, you can add Club Vistara credit points to your account. To know all about the Axis Bank Vistara credit card benefits, steps to apply, rewards such as the Axis Bank Vistara credit card lounge access, and more, continue reading.

Key Highlights of the Axis Bank Vistara Credit Card

If you fly frequently and want to enjoy the benefits of free class upgrades, complimentary air tickets, and priority check-ins, then the Axis Bank Vistara Credit Card is the perfect choice for you.

 

With this credit card, you get:

  • Complimentary flight ticket vouchers as a welcome gesture

  • Complimentary membership of Club Vistara

  • Free access to lounges at selected airports within India

  • Bonus CV points on completing milestone spends

  • 6 Club Vistara points (CV) on every ₹200 spent using your card

Axis Bank Vistara Credit Card Features and Benefits

After getting the Axis Bank Vistara Credit Card, you become eligible to enjoy all the benefits mentioned hereunder. Check them out below: 

1.  Welcome Gift

As a grand gesture of welcoming you aboard, you are given a free business-class air ticket voucher. Moreover, you continue to get this benefit every time you renew your credit card.

2. Complimentary Membership of Club Vistara

On getting the Axis Bank Vistara Credit Card , you become a Base member of Club Vistara and enjoy a host of privileges that come with it. You can earn Club Vistara points (CV) and then redeem them to book free tickets, upgrade flights, and much more. Vistara’s frequent flyer programme gives a chance to earn higher rewards while booking from their website. With more CV points, you climb from the ‘Base’ tier to ‘Platinum’ and unlock premium benefits and privileges.

3. Accrue Points on Spending

On every ₹200 spent with your Axis Bank Vistara Credit Card , you score 6 Club Vistara points. You can flexibly redeem or utilise these CV points to get free air tickets or flight upgrades.

4. Additional Rewards on Reaching Milestones

If you spend ₹1,00,000 in one year with your Axis Bank Vistara Credit Card, you get a bonus of 10,000 Club Vistara points. Further, on reaching annual milestones of ₹2,50,000, ₹5,00,000, ₹7,50,000 and ₹12,00,000, you get one complimentary business-class flight ticket for each milestone.

5. Lifestyle Privileges

With your Axis Bank Vistara Credit Card, you get free access to the participating lounges at select airports in India. Using Axis Bank’s Extraordinary Weekends programme, you can explore and experience unique places around the world. Moreover, you get a discount of at least 20% on visiting a wide range of partner restaurants throughout India with the Dining Delights programme.

6. Insurance Benefits

Enjoy a safe travel experience with the following benefits:

  • Purchase protection insurance of up to ₹1 Lakh.

  • Cover of up to $300 for loss of travel documents.

  • Cover of up to $300 for loss or delay of your check-in bags.

  • Coverage of ₹2.5 crores on accidental death during air travel.

  • Lost credit card liability of up to 100% of your limit.

7. Convert Transactions into EMIs

While making any transaction of more than ₹2,500, you have the flexibility to convert it into a monthly instalment. This way, you can make big purchases into a series of affordable monthly payments.

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Axis Bank Vistara Credit Card Eligibility and Documentation

Here is the Axis Bank Vistara Credit Card eligibility that an applicant must fulfil:

  • Age: The applicant/primary cardholder must be within 18-70 years of age

  • Citizenship: He/She must be a citizen of India

  • Salary: He/She must have an annual income of ₹6,00,000

 

If the above-mentioned credit card eligibility is satisfied, the applicant can proceed to submit the following credit card documents to apply for Axis Bank Vistara Credit Card:

  • Copy of PAN card and Form 60

  • Latest payslip, IT return, Form 16

  • Copy of passport, driving licence, ration card, electricity or telephone bill.

How to Apply for an Axis Bank Vistara Credit Card

You can apply for the Axis Bank Vistara Credit Card either online or offline. 

If you wish to apply online, you could do so through the official website of Axis Bank. 

 

The steps to apply for the Axis Bank Vistara Credit Card online are given below:

  • Visit the official website of Axis Bank 

  • Click on the tab that says “Explore Products”

  • Select the “Cards” option 

  • Opt for “Credit Cards” 

  • Click on the “Apply Now” button 

  • You will be asked if you are already an Axis Bank customer. If so, click on “Yes” 

  • Enter details such as Customer ID, registered contact number, PAN and date of birth

  • The OTP will be sent to the number provided by you

  • Terms and conditions will be displayed on your screen. Agree to them and click on “Submit”

  • An authorised representative of the bank will call you on your phone and guide you with what you’ve to do next

 

If you are not a customer of the bank, you can apply for the Axis Bank Vistara Credit Card through the mode of FLASH Instant credit card processing. You will have to provide details like your name, PAN, mobile number, annual income, and pincode. Post the submission of these details, a representative of the bank will let you know what you need to do next. 

 

If you choose to apply for the Axis Bank Vistara Credit Card online, you can visit an Axis Bank branch that is closest to you and submit the application. Alternatively, you can also give a missed call on 1800 419 1508 to apply for the credit card.

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Axis Bank Vistara Card Credit Limit

Credit limit is the maximum permissible spending amount on a credit card. The credit limit of your Axis Bank Vistara credit card will depend on the assessment of key factors like your income and credit score. The bank will correlate your monthly income with your repayment history, credit utilisation records, and CIBIL score to determine an appropriate credit limit for the card. 

FAQs on Axis Bank Vistara Credit Card

The Axis Bank Vistara Credit Card limit differs from one cardholder to another and is decided at the time of credit card issuance depending on the applicant’s income eligibility and credit score.

You can make the Axis Bank Vistara credit card payment online by availing the Axis Bank netbanking facility.

Yes. For all the retail transactions you make using this card, you get to enjoy interest-free credit for up to 50 days.

After getting the Axis Bank Vistara credit card, you start with the ‘Base’ tier Club Vistara Membership. However, with each payment, you earn more CV points that take you closer towards the Silver, Gold, and Platinum tiers.

 

No. You do not get any points for booking flight tickets under the Economy Lite class.

 

The bank determines your Axis Bank Vistara Credit Card limit at the time of issuing it. It is decided based on various factors like your age group, income, repayment history, CIBIL score, etc.

Using an Axis Bank Vistara credit card to make payments is very easy. Simply select the ‘Credit Card’ payment method and enter your card details to make the payment. You can also swipe the card at the POS of your favourite store.

 

Yes. You don’t need to have an account with Axis Bank to apply for the Axis Bank Vistara credit card. However, you must meet the following eligibility criteria to apply: (i) Aged 18 and above, (ii) A resident of India, and (iii) Have an annual income of ₹6 Lakhs.

 

Yes. The free ticket voucher can be voluntarily transferred to a nominee whose name has been updated in your Club Vistara Account. However, once the ticket is booked in your name, it cannot be transferred to someone else.

 

Yes. The validity of the free air ticket voucher is 6 months from the date on which it was issued. It is important to note that this validity cannot be extended.

 

Club Vistara is a loyalty programme that is offered by Vistara Airlines to those who fly often with Vistara. The membership has various tiers that you can upgrade to, in order to enjoy added privileges. 

 

The Club Vistara Gold membership is one such upgrade that offers benefits such as quick accrual of reward points, priority check-in, lounge access, guaranteed reservation, allowance on additional 10 Kgs check-in luggage and so on. The Gold membership allows you to earn 10 tier points on every ₹100 you spend on reservations made with Air Vistara.

 

You can redeem an Axis Bank Vistara credit card ticket voucher by login into your Club Vistara account. You can then navigate to the ‘Redeem Complimentary Vouchers’ option under the ‘My Vouchers’ tab. Simply select the voucher you want to redeem, choose the flight, and fill-in the details elicited to complete your booking.

You need to have a minimum annual salary of ₹6 Lakhs to qualify for an Axis Bank Vistara credit card. The Axis Bank Vistara credit card comes with a host of premium travel benefits, exclusive lifestyle offers, and a comprehensive insurance coverage. All this pushes the qualifying income slab higher than ones in place for other Axis Bank cards. 

 

The Axis Bank Vistara credit card comes with a joining and renewal fee of ₹1,500. Finance charges for the card are capped at 3.6% per month (52.86% yearly). The overlimit penalty on the card is a minimum of ₹500 or 2.5% of the overlimit amount (whichever is higher). Other common charges include a cash payment fee of ₹100 per transaction, late fees of ₹0- ₹1,200, and foreign transaction fees of 3.50% of the transacted amount.

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