Axis Bank Vistara Credit Card Review 2021

Axis Bank Vistara Credit Card is a co-branded travel credit card issued in alliance with Vistara Airlines. It offers exclusive benefits like reward benefit, big discount on dining, lounge access, club Vistara Membership, Milestone benefit, and lots more, go through the article to know more about the card.  Do check out our opinion too, as it will help you to make a clear decision as well as we tried to offer you the best alternatives names too, which will make your credit journey much happier, and beneficial. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 70 yrs. 
    • Income: ₹6,00,000 annually. 
  • For self-employed person:
    • Age: 18 to 70 yrs. 
    • Income: ₹6,00,000 annually. 
  • Good CIBIL score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip. (3 months)
      • ITR
    • Self-employed person
      • Latest income tax return.  
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹1,500 + GST.
  • Annual Fee: ₹1,500 + GST.


  • Welcome benefit:

With the issuance of the card, you will get a free economy class ticket as a welcome gift, you will also get the same benefit every year with the payment of the annual fee. 

  • Reward benefit:

With each ₹200 spends on this card, you will get 2 CV points. You can redeem these points against award flights and upgrade awards. 

  • Lounge access:

With your Axis Bank Vistara Credit Card, you will get 2 free accesses to some of the selected domestic airport lounges. You will get a maximum of 2 free accesses per quarter. 

  • Dining benefit:

This card offers a minimum of 15% discount on your dining bill. This offer is applicable at some selected partner restaurants only. 

  • Insurance coverage:

This card comes with an air accidental coverage of ₹2.5 crores, this card also offers ₹1 lakh of purchase protection and USD 300 coverage against lost baggage and documents. 

  • Milestone benefit:

If you can spend ₹50,000 within the first 90 days of the card issuance, you will get 1,000 CV points as a bonus reward. 

Also, you will get a free economy class ticket every time you cross the spending milestone of ₹1,25,000, ₹2,50,000, and ₹6,00,000. 

  • Club Vistara Membership:

With this card, you will get a free membership of Club Vistara which gives you some exclusive benefits on travel. 

  • Extraordinary Weekend:

With the Axis bank Extraordinary weekend program, you can have some premium experiences from around the world. 

  • EMI facility:

With this card you can convert any purchase over ₹2,500 into EMI, this feature is very helpful for a high-value purchase. 

  • Global acceptance:

This card is accepted in most of the countries in the world, you can use this card at any outlet or e-commerce site where Visa credit cards are accepted. 


  • Cash Withdrawal Charge: 2.5% against the withdrawal amount (min ₹500). 
  • Finance Charge: 3.4% monthly (49.36% annually)
  • Foreign currency transaction: 3.50% against the transaction amount. 

Contact Details:

Call: 1860-419-5555


Mail: [email protected]

Dispute Resolution Process:

If you notice some unauthorized charges in your account, or there is some billing error, or if your card is lost or stolen. You should act first and report the problem to customer service. You can follow the steps given below.

  1. First of all, contact the customer service authority and describe to them your problem, and follow their instructions. In case of a lost card ask them to block your card immediately. 
  2. If you are not satisfied with the given service, you can take your complaint to the circle nodal officer. You can mail at [email protected] or you can call at +91-080-61865200. 
  3. If you do not get any response within 10 days, you can then contact the principal nodal officer, you can mail at [email protected] 
  4. If you are still not satisfied at stage 3, you can contact the banking ombudsman. You can find the contact details here  

But before going to the Banking Ombudsman, try to negotiate the issue with the bank.

100xGain Ratings:


Final Opinion:

This card is most beneficial for those who travel quite frequently with Vistara Airlines. It offers 2 CV points for each ₹200 transaction, 2 free lounge accesses per quarter, free economy class tickets, Insurance coverage, EMI facility, and lots more. So if you fly regularly with Vistara Airlines then this card will be beneficial for you. 

And if you don’t travel frequently with Vistara Airlines, then you can go for IndusInd Bank InterMiles Voyage Credit Card or Citi Premier Miles Credit Card.  

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