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Vistara Axis Bank Credit Card

Vistara Axis Bank Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Axis Bank Visa Mid

Annual Fee

₹0

Base Rate

1.0%

Reward Type

Points

Overview

The Vistara Axis Bank Credit Card is a Mid credit card issued by Axis Bank on the Visa network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Points(1 pt = ₹0.5).

Annual Fee: Lifetime Free
Eligibility: Minimum net income of ₹6,00,000 per annum.

Reward Rates & Cashback Rules

  • CATEGORY – All Other Spends: 1.0% cashback ⚠️ Excludes Fuel, Rent, Wallet, Utilities, Government, Insurance, Jewellery, and EMI transactions.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – Utilities: 0.0% cashback
  • CATEGORY – Government Services: 0.0% cashback
  • CATEGORY – Insurance: 0.0% cashback
  • CATEGORY – Jewellery: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback

Key Features & Benefits

  • Domestic Lounge Access ✈️: 2 complimentary visits per calendar quarter to select domestic airport lounges, subject to a minimum spend of ₹50,000 in the preceding three calendar months.
  • Dining Discounts 🍽️: Discounts on dining via the Axis Bank EazyDiner program.
  • Purchase Protection 🛡️: Purchase Protection Cover of up to ₹1 lakh.
  • Discontinued Milestone Benefits ❌: Complimentary flight tickets and tier membership benefits on joining, renewal, and spend milestones have been discontinued for renewals from April 18, 2025.

Eligibility Criteria

Minimum net income of ₹6,00,000 per annum.

Features & Benefits

✈️

Domestic Lounge Access

2 complimentary visits per calendar quarter to select domestic airport lounges, subject to a minimum spend of ₹50,000 in the preceding three calendar months.

🍽️

Dining Discounts

Discounts on dining via the Axis Bank EazyDiner program.

🛡️

Purchase Protection

Purchase Protection Cover of up to ₹1 lakh.

❌

Discontinued Milestone Benefits

Complimentary flight tickets and tier membership benefits on joining, renewal, and spend milestones have been discontinued for renewals from April 18, 2025.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

All Other Spends
Reward: 1.0%
⚠️ Exceptions: Excludes Fuel, Rent, Wallet, Utilities, Government, Insurance, Jewellery, and EMI transactions.
1%
Fuel Exclusion
Rent Exclusion
Wallet Load Exclusion
Utilities Exclusion
Government Services Exclusion
Insurance Exclusion
Jewelry Exclusion
EMI Exclusion

Value Chart

Assuming basic spends for Vistara Axis Bank Credit Card

Category Vistara Axis Bank Credit Card Axis Bank Privilege Credit Card Samsung Axis Bank Signature Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0
₹
Annual Fee 		₹0 ₹1500 ₹500
🌍
Forex Markup 		3.5% 3.5% 3.5%
%
Base Rate 		1.0% 5.0% 5.0%
★
Known Rules 		9 rules 7 rules 10 rules

Pros & Cons

✓

Pros

  • + All Other Spends — 1.0% Points
  • + Domestic Lounge Access
  • + Dining Discounts
  • + Purchase Protection
  • + Discontinued Milestone Benefits
✗

Cons

  • − No reward on Fuel
  • − No reward on Rent
  • − No reward on Wallet Load
  • − No reward on Utilities
  • −Forex markup of 3.5% on international spends
  • −Relatively low base reward rate of 1.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹3000

Annual Fee

₹0

Net Value

+₹3000

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › Regular earners with ₹50k–₹1.5L monthly spends
  • › Those seeking a balance of rewards and moderate fees

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The card has a joining fee of ₹1,500 + GST. However, the annual renewal fee is waived for all renewal cycles starting on or after April 18, 2025.

You earn 2 Maharaja Points (Air India's frequent flyer program) for every ₹200 spent on eligible purchases. This is equivalent to 1 point per ₹100. Spends on fuel, rent, utilities, and wallet loads do not earn points.

No. The popular benefit of complimentary Economy Class ticket vouchers on joining, renewal, and upon reaching spending milestones was discontinued for card renewals effective from April 18, 2025.

The card offers 2 complimentary domestic lounge visits per quarter. This benefit is subject to a minimum spend of ₹50,000 in the previous three-month period.

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