Axis Bank Vistara Credit Card: Know Benefits, Features & Offers

The Indian travel market received a boost in July 2016 after the Axis Bank introduced a new series of Vistara Credit Cards. This co-branded financial service product came into existence after a joint venture between Axis Bank, one of India’s top banking and financial services companies, and Vistara, a relatively new full-service domestic airline. The program sought to meet the increasing demand for enriching and fulfilling travel experiences.

Such expenditure and the ability to gain substantial numbers of Club Vistara (CV) points in the process, was met with interest by both frequent flyers in general and especially those who were customers of Vistara. Media channels focused on the ability the program gave to customers to fast-track the earning of points for free flights and quicker tier advancements in the Club Vistara loyalty program.

But the start was not entirely smooth as there was a small hitch at the beginning. Although the announcement created much enthusiasm among travellers, others complained about the time between the launch of the program and the introduction of the card to the market. This first obstacle did not greatly affect the program’s reception and the Axis Bank Vistara Credit Card series remains a strong candidate for Indian air travellers seeking to best apply their travel rewards.

Axis Bank Vistara Credit Card Details

• It entitles new cardholders to free economy-class tickets on Vistara Airlines once the card is activated. This benefit alone can negate the fact that there is an initial joining fee.
• For each ₹200 purchase made with the card, cardholders will get 2 CV Points. These points can be used for redeeming flight tickets, upgrades and other services offered by Vistara Airlines company.
• With privileges that include free access to the specified airport lounges within India, cardholders can make their travel more comfortable and convenient.
• The card has good accompanying targeted benefits based on milestones. For example, 75,000 rupees spent in a year gives you a free Business Class ticket with Vistara Airlines for the next year, which is very useful if one frequently travels by air.
• This will cater for lost baggage not exceeding ₹50,000 and flight delays not exceeding ₹25,000, which ensures that the traveller is protected during their travels.
• It allows cardholders to avail of a 1% fuel surcharge to be charged at all fuel stations in India. This can lead to significant savings, especially for people who use their vehicles often and frequently.

Axis Bank Vistara Credit Card: Advantages and Disadvantages

• Flipkart credit card comes with a welcome benefit of gifts worth INR 600 on making the first transaction with the card.
• Get instant 5% cashback on Flipkart shopping
• Get 4% instant cashback on preferred merchants.
• Get 1% cashback on other spends done for retail
• Get four complimentary domestic airport lounge access every year
• On spending INR 400 to 4,000 for fuel across various petrol pumps in India, you get a fuel surcharge of 1%.

Axis Bank Vistara Credit Card: Advantages and Disadvantages

Advantages:

1. Travel Benefits: They are travel-related privileges that include free economy class tickets in Vistara Airlines every time the card is activated, free access to the airport lounge and business class tickets after hitting certain milestones.
2. Reward Points: For every ₹200 spent, cardholders receive 2 CV Points, which can be used in purchasing flight tickets and upgrades with sensible value for those who frequently travel.
3. Travel Insurance: While travelling, the comprehensive travel insurance covers lost baggage and flight delays thus making travelling less troublesome.
4. Fuel Surcharge Waiver: Experience a 1 % fuel surcharge rebate on all fuel outlets in India to enable a cut on fuel costs.
5. Concierge Services: Concierge services with travel, dining, and entertainment bookings to provide a superior travel experience.

Disadvantages:

1. Annual Fees: This charge comes with a joining fee as well as an annual renewal fee, which makes it relative to more proactive cardholders who hardly require traveling benefits and perks.
2. Limited Redemption Options: Points can be used to redeem for flight tickets and upgrade with Vistara Airlines, although there might be more restrictions as compared to cash-back cards.
3. Interest Rates: Like most of the other credit cards, the Axis Bank Vistara Credit Card may have high-interest charges on carry forward transactions, which may affect those customers who tend to always roll over their balances.
4. Targeted Audience: In general, the card brings advantages for those who often travel and/or prefer to use Vistara Airlines services. The lower benefits may be experienced by people who do not often travel or move from one place to another.
5. Terms and Conditions: He or she should then ensure that he or she meets requirements often contained in the terms and conditions like minimum spending, to be able to qualify for the various bonuses and privileges accorded to the cardholder.

Axis Bank Vistara Credit Card Reward Offers

The Axis Bank Vistara Credit Card is famous for its highly rewarding promotional bonuses aimed at regular travellers and lovers of the luxurious. Here’s a detailed look at what cardholders can expect:

• Get 2 CV Points for every ₹200 spent on the Axis Bank Vistara Credit Card. These points add up quickly and can be used to redeem free flights, upgrades, and many other things, of course.
• On activation of the credit card, a Free Economy Class Return Ticket on Vistara Airlines is offered to the new cardholders. This welcome benefit can be highly valuable and a definite added advantage that boosts the value of the card as soon as one gets approval.
• It also adds that more perks are offered depending on the spending amount set on the cards by the cardholders. For example, ₹75000 expenditure in a year is equivalent to earning a free Business class ticket to travel with Vistara Airlines and the opportunities for saving an individual’s money and travelling in style.
• Enjoy a 1% fuel surcharge waiver at all fuel stations across India when using the Axis Bank Vistara Credit Card. This benefit translates into direct savings on fuel expenses, making everyday purchases more rewarding.
• The card includes comprehensive travel insurance, covering aspects such as lost baggage up to ₹50,000 and flight delays up to ₹25,000. This feature ensures peace of mind during travels, safeguarding against unexpected situations.
• Cardholders also benefit from complimentary access to select airport lounges across India, enhancing the travel experience with comfort and convenience.

Welcome Benefits of Axis Bank Vistara Credit Card

The Axis Bank Vistara Credit Card has laid down welcome benefits that customers would find interesting and would feel the difference as soon as they start using the credit card they have been issued. Here’s a detailed overview of what you can expect:

• New customers activating the card get free one-way travel in economy class on Vistara Airlines. This welcome benefit permits cardholders to have a right to get a free flight, which may help to offset the joining fee.
• The value of the complimentary ticket mostly falls between ₹ 2,500 to ₹ 5,000 based on certain routes and the availability of the tickets. This makes it a rich benefit that increases the card’s appeal from the word go – an allure that is further cemented by their credit shield, equipping members with important knowledge from the onset.
• Clients that possess this card can utilise the ticket free of charge via the Vistara Airlines’ website or the customer care services. This helps to enhance the aspect of convenience and ease part of the equation when the welcome benefit is being cashed in.

Travel Benefits Available on Axis Bank Vistara Credit Card

The Axis Bank Vistara Credit Card is designed to improve the flying experience of the users with the help of privileges that would be suitable for regular travellers. Here’s a comprehensive look at the travel benefits offered by this card:

• The features and benefits of this particular card are Cardholders earn 2 CV Points for each ₹200 spent on the card. These points can be redeemed for flight tickets, getting an upgrade and more with Vistara Airlines. Now, every point that one earns is a step to free travel.
• Of course, the primary advantage of one is that it entitles you to free access to some domestic airport lounges in India. This perk offers a comfortable area of congeniality containing beverages, internet services, and quality chairs, which will improve the flight experience.
• Spend more to get more in terms of benefits and quotas to be met. For example, spending ₹ 75,000 in a year entitles a person to get a free business class ticket from Vistara Airlines, known for providing luxurious travel.
• The card offers different classes of travel insurance that borders on benefits like baggage loss for up to ₹50,000 & flight delay benefits for up to ₹25,000. This feature guarantees comfort and safety while travelling and during any other time of need.
• Benefit from a 1% fuel surcharge waiver at all fuel stations across India when using the Axis Bank Vistara Credit Card for fuel purchases. This perk helps in reducing travel expenses for those who frequently use their vehicles.

Why Choose the Axis Bank Vistara Credit Card

If you’re considering a credit card that blends travel perks with substantial rewards, the Axis Bank Vistara Credit Card stands out as a compelling choice. Here’s why you should consider choosing this card:

1. Generous Welcome Benefits: On the first use, customers get an economy class ticket from Vistara Airlines as a welcome offer which means applying the card and traveling for free. This alone more than pays for the joining fee and opens up a whole new world of options right from the outset.
2. Earn Reward Points: For every ₹200 charged on the card, there will be a return of 2 Club Vistara (CV) Points. These points could be utilised to purchase flight tickets and upgrade existing flight tickets and other related services with Vistara Airlines, meaning your daily spending does not go to waste but accumulates travel benefits.
3. Travel Benefits: Get free membership status in any domestic airport lounge in the country, making your waiting time before your flight comfortable and hassle-free. Furthermore, spending milestones, which offer free Business Class tickets as a token of appreciation, offer luxury travelling throughout destinations.
4. Comprehensive Travel Insurance: What is stated is inside a card travel insurance with additional features such as bag drop and delayed flies incorporated. Ensuring you are shielded from any undesired occurrences, this feature provides relief when roaming in unknown areas.
5. Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver everywhere in India, irrespective of the fuel station, by paying with the Axis Bank Vistara Credit Card. This is an especially added plus for regular travellers who use their vehicles frequently.
6. Concierge Services: It guarantees that in those rare moments, when you may need some professional help to make hotel bookings, dinner reservations, or even call a car to take you around town, you get a concierge to handle all that in one call.

Axis Bank Vistara Credit Card: Terms and Conditions

• Joining Fee and Renewal Charges: The card has a joining fee of ₹1,500 plus GST, payable at the time of card issuance. The annual renewal fee is also ₹1,500 plus GST, which is charged annually thereafter.
• Interest Rates: The card incurs interest on balances that are not paid in full before the due date outlined on the monthly statement. The interest rates relevant to the decisions are variable and can be accessed in the monthly statement.
• Reward Points: CV Points signified on the card come with validity, meaning one can lose them if he or she has not used them before the time expires. The options available for point redemption include flight tickets, upgrades and other such rewards as the Axis Bank chooses to offer under their current redemption policy.
• Travel Benefits: The benefits, such as having a free ticket with Vistara Airlines and having access to any airport lounge of Vistara Airlines, are also subject to the operations of Vistara Airlines as well as the rules and regulations put in place by the said company. Extra conditions can be set depending on whether the person wants to use the lounges or if they want to claim flight tickets.
• Fuel Surcharge Waiver: A 1% Fuel Surcharge of the transaction is being offered to be waived by the Axis Bank only at the fuel stations in India with some maximum limits allowed by the bank. Eligible fuel stations and the number of transactions that a person can make using the said service may be accessed on the official website of Axis Bank.

Who Can Apply for the Axis Bank Vistara Credit Card?

The Axis Bank Vistara Credit Card is designed for individuals who meet specific eligibility criteria set by Axis Bank. Here’s a detailed overview of who can apply for this credit card:

• Age Criteria: Applicants must also be in the correct age range as defined by the Axis Bank which is between the age of 18 and 70 years. It should be noted that the set age limit may be adjusted depending on the policies and rules stated in the application process of a certain period.
• Income Eligibility: All those who wish to use the credit card must be willing to adhere to the minimum income requirement that Axis Bank has set. The rationale behind this criterion is to verify the prospective borrower’s ability to sustain the credit limit and fulfil obligations of payment. There are declared income standards that Axis Bank communicates and which hinge upon the employment status of the applicant and/or others.
• Employment Status: The applicants should be financially stable, which means this is suitable for a salaried income earner or any professional who has an established business. Axis Bank generally asks for documents confirming income like salary statements/ payslips, Income tax returns or business income/profit & loss accounts.
• Residency Status: Those meeting the application requirements need to be an Indian resident with the correct current residential address and valid proof of identity. The requirement for residency may be different from resident Indians, and these documents may not be acceptable for Non-resident Indians (NRIs) who have to contact Axis Bank individually to find out what they will accept.

Documentation Needed for Axis Bank Vistara Credit Card

To apply for the Axis Bank Vistara Credit Card, you will need to provide specific documentation as part of the application process. Here’s a list of the essential documents typically required:

Identity Proof	Images of the Aadhar card, passport, PAN card, or any other government identity card with a photo.
Address Proof	Proof of present address in your residential area like Aadhar card, passport, electricity bill, water bill, gas bill, rent agreement, any other government-issued papers, etc.
Income Proof	Depending on your employment status, you may need to provide income proof: 👉 Salaried Individuals: Recent salary slips (usually for the last 3 months), Form 16, or income tax returns (ITR). 👉Self-employed Individuals: Income tax returns (ITR) for the last 2-3 years, audited financial statements, or business continuity proof.

Application Process of Axis Bank Vistara Credit Card

Axis Bank Vistara Credit Card can be applied for by both online and offline methods, and the process is rather easy. The applicants also have an option of checking their application status through the Internet or customer care support from Axis Bank. Some of the tips include the possibility of checking all the information given in documents to be correct and possibly checking all attached documents to ensure that they were uploaded correctly to avoid chances of delay in processing. 

• Online Application: The Axis Bank credit card application form can be found on the official online platform of the bank and also the App.
• Fill Out Application Form: Fill out all the fields of the application form, including personal data, which includes name, contact information, residential address, employment information, and income.
• Upload Documents: Take photocopies of the necessary documents, including identity proof, address proof, income proof and photographs as prescribed by the Axis Bank.
• Application Submission: After completing the application form, attach the uploaded documents to it and submit through online mode.
• Verification and Processing: An application with proper documents will be submitted to Axis Bank so as to check on eligibility and the ability of the applicant to pay back. This may comprise confirmation of the information and other documents that the students provided.
• Approval and Issuance: If the identity and eligibility are certified and approved, Axis Bank will activate the Axis Bank Vistara Credit Card. Your card will be delivered to the address you provided when registering within the next few working days.

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