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CREDIT CARD

Axis Bank Vistara Signature Credit Card

Axis Bank

Earns 4 Maharaja Points per ₹200 of eligible spends, redeemable for upgrades and award flights. Includes 2 domestic airport lounge visits per quarter (spend condition applies) plus purchase protection and travel insurance covers.

Lounge visits need ₹50,000 spend in the previous 3 calendar months. Rent, wallet, utility, government, insurance and gold/jewellery spends earn no points. Card is discontinued for spends after 15 Dec 2026.

Axis Bank Vistara Signature Credit Card
ANNUAL FEE
Not stated
JOINING FEE
₹3,000 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Earns 4 Maharaja Points for every ₹200 of eligible spends, redeemable for upgrades and award flights.
BEST FOR
Included: Cardholders who want airline-linked Maharaja Points and a couple of domestic lounge visits each quarter.
Included: May suit cardholders who want airline-linked Maharaja Points for upgrades and award flights.
Included: May suit those who can meet the ₹50,000 three-month spend condition to use domestic lounge visits.
Included: May suit those interested in Wednesday travel and food-delivery offers listed by the bank.
Limitation: Carrying a balance may wish to compare other cards.
Limitation: Spends mainly on rent, wallet loads, utilities, government services or insurance may wish to compare other cards.
Limitation: Those who expect a fuel surcharge refund, which is not available on this card may wish to compare other cards.
Limitation: Those who expect to carry a balance, given the 3.75% per month finance charge may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: The bank states this card will be discontinued for spends after 15 Dec 2026 following the Vistara-Air India merger.
Condition: On a newly issued card, the lounge spend condition is waived for the issuance month and the next 3 calendar months.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
18
Maximum age
70

Fees & ownership

Joining fee
₹3,000 + GST
Annual / renewal fee
Not stated
Fee waived at
Not stated
Forex markup
3.5%
Finance charge
3.75% per month
Cash withdrawal fee
2.5% of the amount, minimum ₹500
Late-payment charge
Not stated
Interest-free period
20–50 days

Benefits & privileges

TRAVEL
Domestic airport lounge
2 visits per quarter — 2 visits per quarter · Free entry for cardholder only (₹2 Visa card-validation swipe); guests pay the lounge's rates. · ₹50,000 in the previous 3 calendar months
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Axis Bank Credit Cards Domestic Airport Lounge Access Program
EVERYDAY
Fuel
Fuel surcharge refund not available on this card
Dining
Dining offers available through the EazyDiner dining programme
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No Maharaja Points or milestone credit on rent, wallet load, utilities, government services, insurance, gold/jewellery/silver/precious metals or watches.; Rent, wallet load, utilities, government services, insurance, gold/jewellery/silver/precious stones and metals, watches; also fees, cash withdrawals, interest and EMI-converted spends.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: Earns 4 Maharaja Points for every ₹200 of eligible spends, redeemable for upgrades and award flights.
Included: Maharaja Points are credited to the cardholder's Maharaja Club account every billing cycle after statement generation.
Included: Insurance covers include purchase protection, loss of travel documents, and delay or loss of checked-in baggage.
Included: Wednesday offers on flights and hotels (Goibibo, MakeMyTrip), Swiggy, Amazon Fresh and Tira; complimentary golf rounds are listed on the bank page.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.