Axis Bank Vistara Signature Credit Card vs Club Vistara SBI Card PrimeAxis Bank Vistara Signature Credit Card vs Club Vistara SBI Card Prime

Axis Bank Vistara Signature vs Club Vistara SBI Card Prime

Collaborative credit cards with leading airlines provide substantial travel savings for users with an array of benefits like free memberships, boosted rewards, milestone rewards, and complimentary tickets. Notable examples include the Axis Vistara Signature and Club Vistara SBI Card PRIME, both in partnership with Vistara Airlines. These coveted cards boast a unique earning and redemption structure, with their standout feature being the milestone program.

Features and Benefits of Axis Bank Vistara Signature Credit Card and Club Vistara SBI Card Prime

Axis Bank Vistara Signature Credit Card:

  1. Welcome Benefit:
    • Complimentary Premium Economy flight ticket voucher.
    • Club Vistara Silver tier membership.
  2. Earning CV Points:
    • Earn 4 CV Points per Rs. 200 spent with the card.
  3. Bonus CV Points and Flight Tickets:
    • Bonus 3000 CV Points and up to 4 Premium Economy class tickets annually on reaching spending milestones (Rs. 75,000, Rs. 1.5 Lakhs, Rs. 3 Lakhs, Rs. 4.5 Lakhs, and Rs. 9 Lakhs).
  4. Lounge Access:
    • 8 complimentary domestic lounge accesses per year (maximum 2 per quarter).
  5. Dining Benefits:
    • Receive a 25% reduction (maximum Rs. 800) on your dining expenses courtesy of the Axis Bank EazyDiner initiative.
    • Extraordinary Weekends program offers additional exciting offers.
  6. Golf Rounds:
    • Complimentary 3 golf rounds per year at select golf courses.
  7. Travel Insurance:
    • Coverage for loss of travel documents, loss of check-in baggage, and delay of check-in baggage.

Club Vistara SBI Card Prime:

  1. Welcome Benefit:
    • Complimentary Premium Economy flight ticket voucher.
    • Club Vistara Silver tier membership.
  2. Earning CV Points:
    • Earn 4 CV Points per Rs. 200 spent with the card.
  3. Bonus CV Points and Flight Tickets:
    • Bonus 3000 CV Points and up to 4 Premium Economy flight tickets on annual spends (Rs. 75,000, Rs. 1.5 Lakhs, Rs. 3 Lakhs, Rs. 4.5 Lakhs, and Rs. 8 Lakhs).
  4. Lounge Access:
    • 8 complimentary domestic lounge accesses per quarter (maximum 2 per quarter).
    • 4 complimentary international lounge accesses per quarter with Priority Pass membership.
  5. Yatra E-voucher:
    • Get a Yatra e-voucher worth Rs. 10,000 on spending Rs. 8 Lakhs or more in a year.
  6. Travel Discounts:
    • Up to 33% off at resorts and hotels.
    • Up to 10% off on car rentals.
    • Up to 50% off on destination programs in Korea, Japan, Macau, and Singapore.
  7. Insurance Benefits:
    • Coverage for incidents involving air travel, such as accidents, ticket cancellations, baggage delays or losses, and the misplacement of travel documents, among other potential mishaps.

Fee and Charges of Axis Bank Vistara Signature Credit Card and Club Vistara SBI Card Prime

Axis Bank Vistara Signature Credit Card:

  1. Joining and Annual Fee:
    • Rs. 3000 plus taxes.
  2. Interest Rate:
    • 3.6% per month or 52.86% per annum.
  3. Forex Markup Fee:
    • 3.5% of the transaction amount.
  4. Cash Advance Fee:
    • 2.5% of the amount or minimum Rs. 500.

Club Vistara SBI Card Prime:

  1. Joining and Annual Fee:
    • Rs. 3000 plus taxes.
  2. Interest Rate:
    • 3.5% per month or 42% per annum.
  3. Forex Markup Fee:
    • 3.5% of the transaction amount.
  4. Cash Advance Fee:
    • 2.5% of the amount or minimum Rs. 500.

Comparison between Axis Bank Vistara Signature Credit Card and Club Vistara SBI Card Prime

Axis Bank Vistara Signature Credit Card:

  • Joining/Annual Fees: Rs. 3000 plus taxes
  • Welcome Benefits:
    • Complimentary Premium Economy flight ticket
    • Club Vistara Silver tier membership
  • Reward Rate: 4 CV Points per Rs. 200 spent with the card
  • Domestic Lounge Access: You have access to two domestic lounges every quarter without any repetition.
  • International Lounge Access: NA
  • Golf Benefits: You’ll receive three free rounds of golf annually.
  • Movie & Dining Benefits: Up to 25% discount at partner restaurants with the EazyDiner program
  • Insurance Benefits:
    • Purchase protection cover
    • Protect against the potential loss or delay of travel essentials such as documents, baggage, and more.
  • Forex Markup Fee: 3.5% of the transaction amount

Club Vistara SBI Card Prime:

  • Joining/Annual Fees: Rs. 3000 plus taxes
  • Welcome Benefits:
    • Complimentary Premium Economy flight ticket
    • Club Vistara Silver tier membership
  • Reward Rate: 4 CV Points per Rs. 200 spent with the card
  • Domestic Lounge Access: 8 domestic lounge access, max 2 per quarter
  • International Lounge Access: 4 international lounge access, max 2 per quarter
  • Golf Benefits: NA
  • Movie & Dining Benefits: NA
  • Insurance Benefits:
    • Flight cancellation cover
    • Air accident cover
    • Provide protection against the loss or delay of travel documents, as well as issues related to check-in baggage and other related matters.
  • Forex Markup Fee: 3.5% of the total transaction value

Which credit card suits you best?

Selecting the right credit card depends on your spending habits and limitations. Review the following information to determine which credit card suits you best:

Opt for the Axis Vistara Signature Credit Card if:

  • You predominantly book your travels through Vistara.
  • You frequently travel within the country.
  • International transactions are infrequent for you, considering the higher forex markup fee.
  • You are comfortable without international lounge access provided by the card.

Consider the Club Vistara SBI Card Prime if:

  • Your travel and bookings primarily involve Vistara.
  • You desire consistent rewards for all types of transactions.
  • A minimal foreign exchange markup fee isn’t a top priority for you when considering a credit card.
  • Instead, you’re keen on obtaining access to lounges both domestically and internationally.

Frequently Asked Questions (FAQs)

Q: What are the key differences between Axis Bank Vistara Signature Credit Card and Club Vistara SBI Card Prime?

A: The main differences are found in factors like travel booking preferences, international transactions, lounge access, and rewards system. Axis Vistara is ideal for those focused on Vistara travel within India, whereas Club Vistara SBI Card Prime provides wider rewards and lounge access advantages.

Q: Which card is better for frequent international travelers?

A: The Axis Bank Vistara Signature Credit Card might not be the top pick because of its elevated forex markup fee and absence of international lounge privileges. Opting for the Club Vistara SBI Card Prime could prove wiser, offering international lounge access and a more extensive rewards system.

Q: What sorts of incentives might I anticipate receiving with these credit cards?

A: Axis Vistara provides perks tailored specifically for Vistara flights, whereas Club Vistara SBI Card Prime offers a broader range of rewards spanning different transactions, appealing to individuals who value versatility in their rewards program.

Q: Is there a significant difference in annual fees between the two cards?

A: Both cards have different fee structures. Check the specific details for each card to understand the annual fees, renewal charges, and any waiver conditions.

Q: Does the Axis Bank Vistara Signature Credit Card grant me access to airport lounges?

A: Axis Vistara grants entry solely to domestic lounges. However, for access to international lounges, Club Vistara SBI Card Prime stands as the preferred choice.

Q: For individuals who don’t travel often but desire to accumulate rewards, which card would be more advantageous?

A: Consider opting for the Club Vistara SBI Card Prime for a more diverse rewards scheme, catering to a wide range of transactions, even if you’re not a frequent traveler.

Q: Are there particular advantages associated with booking Vistara flights using these cards?

A: Both cards offer benefits for Vistara bookings, but the extent may vary. Review the specific details of each card to understand the exclusive advantages for Vistara flights.

Q: What are the considerations for individuals who make a significant number of international transactions?

A: If you often make international transactions, it’s important to take into account the forex markup fees linked with each card. The Club Vistara SBI Card Prime could be a better option for you in such situations, offering international lounge access and possibly lower forex markup fees.

Q: How do I apply for either of these credit cards?

A: To obtain comprehensive details regarding the application process, it is recommended to explore the official websites of Axis Bank and SBI Card. Alternatively, you may choose to visit their physical branches or reach out to customer service for guidance and support.

Q: Are there any special deals or incentives available for individuals who are applying for a new card?

A: Ensure to visit the official websites of both Axis Bank and SBI Card to explore any ongoing promotions and introductory offers. These deals could encompass bonus rewards, markdowns, or additional perks tailored for new cardholders.

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