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Axis Bank Vistara Credit Card

The Axis Bank Vistara credit card is renowned for its rewarding features across different categories. In addition to offering air insurance, the card provides a 15% discount on dining expenses. Upon activation, you’ll receive 1,000 Vistara points that are redeemable. The card carries an annual interest rate of 41.5%, and there’s a joining fee of Rs.1,500, along with an annual fee of Rs.1,500.

Key Highlights of Axis Bank Vistara Credit Card

Features Details
Type of card Travel
Joining fee Rs. 1,500
Annual fee Rs. 1,500
Age 18 years and 70 years
Income Rs. 6,00,000 per annum

Features and Benefits of Axis Bank Vistara Credit Card

  1. Welcome Gift: When you sign up for the card, you’ll receive a complimentary one-way economy flight ticket (base fare voucher) for a domestic flight. It’s valid for 6 months.
  2. Club Vistara Membership: Enjoy a free Club Vistara membership, a frequent flyer program. Earn accelerated rewards when you book directly on Vistara’s website or use their app for check-ins. Each Club Vistara (CV) Point brings you closer to different tiers with exciting possibilities.
  3. Earn CV Points: For every Rs. 200 spent on eligible purchases, you earn 2 CV Points. These points can be redeemed for flight tickets.
  4. Bonus Tickets: Depending on your annual spending, you can earn bonus CV Points and even get up to 2 economy class tickets. Spend Rs. 50,000 within 90 days to get 1,000 CV Points. Spending Rs. 1,25,000 gives you 1 economy ticket, and spending Rs. 2,50,000 or more also earns you 1 economy ticket.
  5. Exclusive Lifestyle Privileges: Enjoy complimentary access to selected airport lounges in India. Additionally, get at least 15% off at partner restaurants across the country with Axis Bank Dining Delights. The Extraordinary Weekends program offers unique experiences like yacht relaxation and exclusive home-cooked meals by top chefs.
  6. Complimentary Insurance Coverage: Stay protected with insurance coverage, including air accident protection up to Rs. 2.5 crore, purchase protection up to Rs. 1 lakh, coverage for lost travel documents, and delayed check-in baggage up to $300, and loss of check-in baggage up to $500. The card also offers lost card liability coverage up to 100% of your credit limit.
  7. Buy Now, Pay Later: Convert purchases of Rs. 2,500 or more into affordable monthly EMIs by contacting Axis Bank.

Axis Bank Vistara Credit Card Fees and Charges

  1. Joining Fee: Rs. 1,500
  2. Annual Fee (from 2nd year onwards): Rs. 1,500
  3. Finance Charges (Retail Purchases & Cash): 3.6% per month (52.86% per annum)
  4. Cash Withdrawal Fees: 2.5% (Min. INR 500) of the Cash Amount
  5. Over Limit Penalty: 2.5% of the over limit amount (Min. Rs. 500)
  6. Cheque return or dishonor Fee or Auto-debit Reversal: 2% of the payment amount subject to Min. Rs. 450, Max. Rs. 1,512
  7. Fuel Transaction Surcharge: 1% of the transaction amount (Refunded for fuel transactions between INR 400 and INR 4,000)
  8. Foreign Currency Transaction Fee: 3.50% of the transaction value.

Axis Bank Vistara Credit Card Eligibility

To be eligible for the Axis Bank Vistara Credit Card, you should meet the following criteria:

  1. Age: The primary cardholder must be between 18 years and 70 years old.
  2. Income: You should have a net income of at least Rs. 6,00,000 per year.
  3. Residency: You must be a resident of India.

Documents Required for Axis Bank Vistara Credit Card

  1. PAN card photocopy or Form 60.
  2. Proof of income, which can be the latest payslip, Form 16, or IT return copy.
  3. Residence proof, which can be any one of the following documents:
  • Passport
  • Driving License
  • Ration card
  • Electricity bill
  • Landline telephone bill

How to apply for Axis Bank Vistara Credit Card?

To apply for an Axis Bank Vistara Credit Card, you can follow these steps:

  1. Visit the Axis Bank website: Go to the official website of Axis Bank (www.axisbank.com).
  2. Navigate to Credit Cards: Look for the “Credit Cards” section on the website’s main menu.
  3. Explore Credit Card options: Browse through the various credit card options offered by Axis Bank, including the Vistara Credit Card. Compare the features, benefits, and fees associated with each card to find the one that suits your needs best.
  4. Check eligibility: Before proceeding with the application, make sure you meet the eligibility criteria, which typically include factors like age, income, and credit score.
  5. Fill out the application form: Once you have chosen the Axis Bank Vistara Credit Card, click on the “Apply Now” or “Apply Online” button. Fill out the online application form with accurate personal and financial details.
  6. Upload required documents: Scan and upload the necessary documents, such as identity proof, address proof, income proof, and a recent passport-size photograph, as per the bank’s guidelines.
  7. Review and submit: Double-check all the information you have provided in the application form. If everything looks correct, submit the application.
  8. Wait for approval: The bank will review your application and documents. If you meet the criteria and your application is approved, the bank will dispatch the credit card to your registered address.
  9. Activate the card: Upon receiving the card, you may need to follow the instructions provided by the bank to activate the card before you start using it.

Frequently Asked Questions (FAQs)

1. What is the Axis Bank Vistara Credit Card?

The Axis Bank Vistara Credit Card is a co-branded credit card offered by Axis Bank in collaboration with Vistara, an Indian airline. It provides cardholders with various benefits, including travel privileges, reward points, and exclusive offers.

2. How can I apply for the Axis Bank Vistara Credit Card?

You can apply for the Axis Bank Vistara Credit Card through the official Axis Bank website or by visiting a nearby Axis Bank branch. The application process typically involves submitting personal and financial documents as per the bank’s requirements.

3. What are the key features of the Axis Bank Vistara Credit Card?

Some key features include complimentary Vistara Silver membership, milestone benefits, airport lounge access, accelerated reward points on Vistara bookings, and discounts on dining and hotel expenses.

4. Is there an annual fee for the Axis Bank Vistara Credit Card?

Yes, the Axis Bank Vistara Credit Card usually comes with an annual fee. The specific fee amount may vary, and it is advisable to check the latest fee structure on the Axis Bank website or by contacting their customer service.

5. How does the milestone benefit work on this credit card?

The Axis Bank Vistara Credit Card offers milestone benefits at various spending levels. These benefits may include complimentary flight tickets, bonus reward points, or other privileges. Check the terms and conditions for the specific milestones and benefits.

6. Are there any travel-related benefits with this credit card?

Yes, the Axis Bank Vistara Credit Card provides travel-related benefits such as airport lounge access, discounts on flight bookings, and additional baggage allowance on Vistara flights.

7. How can I redeem the reward points earned on my Axis Bank Vistara Credit Card?

You can redeem the accumulated reward points through the Axis Bank rewards program. Redemption options typically include flight bookings, hotel stays, merchandise, and more. The Axis Bank website or customer service can provide detailed information on redemption options.

8. Is there a foreign transaction fee for using the Axis Bank Vistara Credit Card abroad?

Yes, there is usually a foreign transaction fee applicable when you use the Axis Bank Vistara Credit Card for transactions in a currency other than Indian Rupees. Check the card’s terms and conditions for the current fee structure.

9. How can I check my Axis Bank Vistara Credit Card statement?

You can access your credit card statement through Axis Bank’s internet banking portal or mobile app. Alternatively, the bank sends monthly statements to your registered email address.

10. What should I do if my Axis Bank Vistara Credit Card is lost or stolen?

In case your credit card is lost or stolen, immediately contact Axis Bank’s customer service to report the incident. The bank will guide you through the process of blocking the card and issuing a replacement.