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Features of Axis Bank Vistara Signature Credit Card
- 1. Welcome and Renewal Benefits:
- Complimentary Premium Economy Ticket: Cardholders receive a complimentary Premium Economy Class ticket voucher upon payment of the joining fee and on every annual renewal. The voucher is credited to the cardholder’s Club Vistara (now Maharaja Club) account and has a validity of 3 months from the date of issuance.
- 3,000 Bonus CV Points: Earn 3,000 Club Vistara (CV) Points upon spending ₹75,000 within the first 90 days of card activation. These points can be redeemed for flight tickets or class upgrades.
- 2. Club Vistara Silver Membership:
- Complimentary Membership: Cardholders receive a complimentary Maharaja Club Silver Membership (previously Club Vistara Silver), issued within 10 working days of joining or annual fee payment.
- Membership Benefits:
- Priority Check-In: Dedicated check-in counters for faster processing.
- Additional Baggage Allowance: Extra baggage benefits for more convenient travel.
- Priority Baggage Handling: Faster retrieval of luggage at airports.
- Priority Boarding (where applicable): Board the aircraft before general passengers.
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- Reward Points Program: Earning CV Points: Earn 4 Maharaja Points (previously CV Points) for every ₹200 spent across all eligible categories. These points can be redeemed for award flights, class upgrades, or other travel-related benefits on Air India (post-merger). Exclusions: As of April 2024, CV Points are not earned on the following spends: Insurance, Gold/Jewelry, Fuel, Wallet Reloads, Rent, Government Services, Utilities, EMI transactions, Cash withdrawals, Card fees and charges. Point Valuation: CV Points are typically valued at 0.75 to 1 INR per point, though the value may vary based on redemption type and flight availability. During high-demand periods, the value may increase. Point Crediting: Points are credited to the cardholder’s Maharaja Club account within 10 days of the billing cycle statement generation. Redemption: Points can be redeemed via the Air India website under the “Maharaja Club” section for award flights or upgrades.
- Milestone Benefits: Complimentary Premium Economy Tickets: Achieve the following spending milestones within a card anniversary year to earn up to 4 additional Premium Economy ticket vouchers: ₹1.5 Lakh: 1st complimentary ticket ₹3 Lakh: 2nd complimentary ticket ₹4.5 Lakh: 3rd complimentary ticket ₹9 Lakh: 4th complimentary ticket Bonus CV Points: Milestone spends also earn bonus Maharaja Points, enhancing the card’s value for high spenders. Note: The same exclusions (e.g., insurance, gold/jewelry) apply to milestone calculations, which may make achieving these thresholds challenging for some users.
- Airport Lounge Access: Complimentary Domestic Lounge Visits: Get 2 complimentary lounge visits per quarter (up to 8 visits per year) at select domestic airports in cities like Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, and Pune. Spend Criteria: Lounge access requires a minimum spend of ₹50,000 in the previous 3 calendar months. For example, to access a lounge on March 10, you must have spent ₹50,000 between December 1 and February 28. Participating Lounges: Access is limited to Visa-affiliated lounges. Check the list of participating lounges on the Axis Bank website. Note: No complimentary international lounge access is provided.
- Insurance Benefits: Air Accident Cover: Up to ₹2.5 crore in coverage for air travel-related incidents. Lost Card Liability: Coverage up to 100% of the credit limit for fraudulent transactions after reporting a lost card. Purchase Protection: Up to ₹1 lakh for damage or theft of items purchased with Travel-Related Insurance: Up to USD 300 for loss of travel documents or check-in baggage delay. Up to USD 500 for loss of check-in baggage.
- EMI Conversion: Convert Purchases to EMIs: Transactions of ₹2,500 or more can be converted into Equated Monthly Installments (EMIs) by contacting Axis Bank customer care. This feature helps manage large purchases effectively.
- Other Benefits: Visa Signature Privileges: As a Visa Signature card, it offers additional benefits like lounge access (subject to spends) and exclusive merchant offers. No Fuel Surcharge Waiver: Unlike some other Axis Bank cards, this card does not offer a fuel surcharge waiver, and a 1% surcharge applies on fuel transactions.
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- Reward Points: Earn 4 Maharaja Points per ₹200 spent on eligible transactions, redeemable for Air India flights or upgrades (value: ~0.75–1 INR per point).
- Lounge Access: 2 complimentary domestic lounge visits per quarter (up to 8/year) with ₹50,000 spend in prior 3 months.
- Dining Perks: 25% off up to ₹800 monthly at partner restaurants via EazyDiner.
- Golf Privileges: 3 complimentary golf rounds annually at select premium courses.
- Insurance Coverage: ₹2.5 crore air accident cover, ₹1 lakh purchase protection, and up to USD 500 for baggage loss/delay.
- EMI Flexibility: Convert purchases of ₹2,500+ into EMIs for better cash flow management.
- Extraordinary Weekends: Access to curated experiences like airport transfers and concierge services.
- Visa Signature Benefits: Exclusive merchant discounts and additional lounge access opportunities.
- Travel Convenience: Priority services and extra baggage make travel more comfortable.
- Point Redemption: Flexible redemption options for flights or upgrades via Air India's website.
- Merger Protection: Benefits guaranteed until March 31, 2026, despite Vistara-Air India merger.
Frequently Asked Questions (FAQs)
1. What is the Axis Bank Vistara Signature Credit Card?
The Axis Bank Vistara Signature Credit Card is a co-branded travel credit card offered by Axis Bank in partnership with Vistara (now part of Air India). It provides travel benefits like complimentary Premium Economy tickets, Maharaja Club Silver Membership, lounge access, and reward points, tailored for frequent domestic travelers.
2. Can I apply for the Axis Bank Vistara Signature Credit Card now?
No, as of May 12, 2025, Axis Bank is not accepting new applications for this card due to the Vistara-Air India merger (effective November 12, 2024). Existing cardholders can continue using benefits until March 31, 2026. Check www.axisbank.com for updates on potential re-launch or new Air India co-branded cards.
3. What happens to the card after the Vistara-Air India merger?
Merger Impact: Vistara ceased operations on November 12, 2024, and all card benefits (e.g., Club Vistara Points, vouchers) transitioned to Air India’s Maharaja Club (Flying Returns) program.
Benefit Continuity: Existing cardholders can use current benefits (e.g., tickets, lounge access) until March 31, 2026.
Annual Fee: No annual fee renewals will occur after March 31, 2025, ensuring a full benefit year until 2026.
Future: The card may be discontinued or rebranded post-2026. Monitor Axis Bank and Air India websites for updates.
Benefit Continuity: Existing cardholders can use current benefits (e.g., tickets, lounge access) until March 31, 2026.
Annual Fee: No annual fee renewals will occur after March 31, 2025, ensuring a full benefit year until 2026.
Future: The card may be discontinued or rebranded post-2026. Monitor Axis Bank and Air India websites for updates.
4. What are the key benefits of the card?
Welcome/Renewal Benefit: One complimentary Premium Economy ticket voucher on joining and annual renewal (valid for 3 months).
Bonus Points: 3,000 Maharaja Points on spending ₹75,000 within 90 days of activation.
Maharaja Club Silver Membership: Complimentary membership with priority check-in, priority baggage handling, extra baggage allowance, and priority boarding.
Reward Points: Earn 4 Maharaja Points per ₹200 spent on eligible transactions, redeemable for Air India flights or upgrades.
Milestone Benefits: Up to 4 additional Premium Economy tickets for spending ₹1.5 lakh, ₹3 lakh, ₹4.5 lakh, and ₹9 lakh annually.
Lounge Access: 2 complimentary domestic lounge visits per quarter (up to 8 per year) with ₹50,000 spend in the prior 3 months.
Dining: 25% off up to ₹800 monthly via EazyDiner at partner restaurants.
Golf: 3 complimentary golf rounds per year at select courses.
Insurance: Up to ₹2.5 crore air accident cover, ₹1 lakh purchase protection, and up to USD 500 for baggage loss/delay.
Bonus Points: 3,000 Maharaja Points on spending ₹75,000 within 90 days of activation.
Maharaja Club Silver Membership: Complimentary membership with priority check-in, priority baggage handling, extra baggage allowance, and priority boarding.
Reward Points: Earn 4 Maharaja Points per ₹200 spent on eligible transactions, redeemable for Air India flights or upgrades.
Milestone Benefits: Up to 4 additional Premium Economy tickets for spending ₹1.5 lakh, ₹3 lakh, ₹4.5 lakh, and ₹9 lakh annually.
Lounge Access: 2 complimentary domestic lounge visits per quarter (up to 8 per year) with ₹50,000 spend in the prior 3 months.
Dining: 25% off up to ₹800 monthly via EazyDiner at partner restaurants.
Golf: 3 complimentary golf rounds per year at select courses.
Insurance: Up to ₹2.5 crore air accident cover, ₹1 lakh purchase protection, and up to USD 500 for baggage loss/delay.
5. How do I earn and redeem Maharaja Points?
Earning: Earn 4 Maharaja Points for every ₹200 spent on eligible categories (e.g., retail, dining, travel). Points are credited within 10 days of the billing cycle.
Exclusions: No points on insurance, gold/jewelry, fuel, rent, utilities, wallet reloads, government services, EMI transactions, cash withdrawals, or card fees (since April 2024).
Redemption: Redeem points for award flights or class upgrades via the Air India website under the “Maharaja Club” section. Point value is ~0.75–1 INR, higher during low-demand periods.
Exclusions: No points on insurance, gold/jewelry, fuel, rent, utilities, wallet reloads, government services, EMI transactions, cash withdrawals, or card fees (since April 2024).
Redemption: Redeem points for award flights or class upgrades via the Air India website under the “Maharaja Club” section. Point value is ~0.75–1 INR, higher during low-demand periods.
6. How do I qualify for complimentary lounge access?
Requirement: Spend ₹50,000 in the previous 3 calendar months (e.g., December 1–February 28 for access on March 10).
Benefit: Get 2 complimentary lounge visits per quarter (up to 8 per year) at select domestic airports (e.g., Bangalore, Delhi, Mumbai).
Limitation: Limited to Visa-affiliated lounges; no international lounge access. Check the lounge list on www.axisbank.com.
Benefit: Get 2 complimentary lounge visits per quarter (up to 8 per year) at select domestic airports (e.g., Bangalore, Delhi, Mumbai).
Limitation: Limited to Visa-affiliated lounges; no international lounge access. Check the lounge list on www.axisbank.com.
7. What are the milestone benefits, and how do I achieve them?
Milestone Tiers:
₹1.5 lakh: 1st complimentary Premium Economy ticket.
₹3 lakh: 2nd ticket.
₹4.5 lakh: 3rd ticket.
₹9 lakh: 4th ticket.
Bonus Points: Additional Maharaja Points are earned at each milestone.
Exclusions: Spends on insurance, gold, rent, utilities, etc., do not count (since April 2024).
Tracking: Monitor spends via Axis Bank statements to ensure eligibility within the card anniversary year.
₹1.5 lakh: 1st complimentary Premium Economy ticket.
₹3 lakh: 2nd ticket.
₹4.5 lakh: 3rd ticket.
₹9 lakh: 4th ticket.
Bonus Points: Additional Maharaja Points are earned at each milestone.
Exclusions: Spends on insurance, gold, rent, utilities, etc., do not count (since April 2024).
Tracking: Monitor spends via Axis Bank statements to ensure eligibility within the card anniversary year.
8. What were the eligibility criteria for the card?
When applications were open, the criteria included:
Age: 18–70 years for primary cardholder; 18+ for add-on cardholder.
Residency: Resident of India (NRIs under special conditions).
Income: Minimum net annual income of ₹6 lakh (higher income, e.g., ₹15 lakh ITR, improved chances).
Credit Score: Preferably 750+ with a clean credit history.
Employment: Salaried or self-employed with verifiable income.
Note: Approval was at Axis Bank’s discretion, and higher credit limits (e.g., ₹10 lakh) on existing cards helped.
Age: 18–70 years for primary cardholder; 18+ for add-on cardholder.
Residency: Resident of India (NRIs under special conditions).
Income: Minimum net annual income of ₹6 lakh (higher income, e.g., ₹15 lakh ITR, improved chances).
Credit Score: Preferably 750+ with a clean credit history.
Employment: Salaried or self-employed with verifiable income.
Note: Approval was at Axis Bank’s discretion, and higher credit limits (e.g., ₹10 lakh) on existing cards helped.
9. What documents were required to apply?
Identity Proof: Aadhar, PAN (mandatory), Voter’s ID, Passport, or Driving License.
Address Proof: Aadhar, utility bill (not older than 3 months), Passport, Driving License, or Ration Card.
Income Proof: Salary slips (2–3 months), bank statements (3–6 months), ITR, or Form 16 for salaried; ITR, audited financials, or business proof for self-employed.
Photograph: Recent passport-size color photograph.
Application Form: Duly filled and signed (online or offline).
Note: Documents needed to be self-attested, and originals were verified for offline applications.
Address Proof: Aadhar, utility bill (not older than 3 months), Passport, Driving License, or Ration Card.
Income Proof: Salary slips (2–3 months), bank statements (3–6 months), ITR, or Form 16 for salaried; ITR, audited financials, or business proof for self-employed.
Photograph: Recent passport-size color photograph.
Application Form: Duly filled and signed (online or offline).
Note: Documents needed to be self-attested, and originals were verified for offline applications.
10. How could I apply for the card when applications were available?
Online: Visit www.axisbank.com, select the card, fill the form, and upload documents. Track status with the application reference number.
Offline: Submit the form and documents at an Axis Bank branch.
Other Channels: Missed call to 8885545255.
Current Status: Applications are suspended as of May 12, 2025.
Offline: Submit the form and documents at an Axis Bank branch.
Other Channels: Missed call to 8885545255.
Current Status: Applications are suspended as of May 12, 2025.
List of Axis Bank Vistara Signature Credit Card Branches in Telangana
- Hyderabad (Rajendranagar)
- Hyderabad (Ramachandrapuram)
- Hyderabad (Ramanthapur)
- Hyderabad (Saroornagar)
- Hyderabad (Secunderabad)
- Hyderabad (Serilingampally)
- Hyderabad (Shamshabad)
- Hyderabad (Somajiguda)
- Hyderabad (SR Nagar)
- Hyderabad (Tarnaka)
- Hyderabad (Tellapur)
- Hyderabad (Thiruvanmiyur)
- Hyderabad (Tolichowki)
- Hyderabad (Uppal)
- Hyderabad (Vanasthalipuram)
- Hyderabad (Vengalrao Nagar)
- Hyderabad (Vikarabad)
- Hyderabad (Yapral)
- Hyderabad (Yousufguda)
- Adilabad