Axis Bank Vistara Signature Credit Card

The Axis Bank Vistara Signature Credit Card that has been launched in the mid-tier travel credit card category is based on the partnership between Axis Bank and Air Vistara to target frequent domestic fliers. This Axis credit card has stood out since its inception, given the generous array of travel-related features and incentives offered to cardholders. 

The benefits covered by the card are numerous and include a free Premium Economy Class ticket and Club Vistara Silver status. These are special benefits that were designed to improve the travel experience – it is a good option for those who frequently fly with Air Vistara.    

The card also has other benefits such as milestone rewards, golf privileges, and a comprehensive insurance cover, to make sure that the card presents a balanced value. This card can also be seen as unique because it not only offers numerous opportunities to earn cash back but also focuses on offering special travel and lifestyle perks.

Axis Bank Vistara Signature Credit Card Features and Benefits

1. Welcome Benefits:

• 1 complimentary Premium Economy Class ticket upon joining and renewal.
• Complimentary Club Vistara Silver Membership with benefits like priority check-in and extra baggage allowance.   

2. Milestone Benefits:

• Spend Rs. 75,000: Earn 3,000 bonus Club Vistara (CV) Points.
• Spend Rs. 1,50,000: 1 complimentary Premium Economy Class ticket.
• Spend Rs. 3,00,000: 1 complimentary Premium Economy Class ticket.
• Spend Rs. 4,50,000: 1 complimentary Premium Economy Class ticket.
• Spend Rs. 9,00,000: 1 complimentary Premium Economy Class ticket.

3. Travel Benefits:

• 2 complimentary domestic lounge visits per quarter at select airports in India.
• Access to premium travel privileges via Club Vistara Silver Membership.

4. Dining & Entertainment:

• 25% discount up to Rs. 800 at partner restaurants with Axis Bank’s EazyDiner Program.

5. Golf Privileges:

• 3 complimentary golf rounds per year at top golf courses in India.

6. Insurance Benefits

• Purchase Protection: Coverage up to Rs. 1 lakh on items purchased using the card.   
• Loss of Travel Documents: Coverage of up to USD 300 for lost travel documents.  
• Delay in Check-in Luggage: Coverage of USD 300 for delayed check-in baggage.   
• Loss of Check-in Baggage: Coverage of USD 500 for lost check-in baggage.  

How to Earn and Redeem Axis Bank Vistara Signature Credit Card Reward Points

1. Earning Reward Points:

1. Everyday Spending: 
   • Earn 4 Club Vistara (CV) Points for every Rs. 200 spent on regular transactions.
2. Exclusions:
   • No CV Points are earned on wallet reloads, rent, utility bills, and government transactions.
3. Milestone Rewards:
   • Earn up to 3,000 bonus CV Points and 4 Premium Economy tickets based on annual spending milestones.

2. Redeeming Reward Points:

1. Flight Bookings:
   • Redeem CV Points for award flights on Air Vistara.
2. Class Upgrades:
   • Use points for upgrading to a higher class (Premium Economy/Business Class).
3. Cash + Points Program:
   • Redeem CV Points to book any seat using Vistara’s Cash + Points program.
4. Value of CV Points:
   • 1 CV Point = Rs. 0.20.

Axis Bank Vistara Signature Credit Card Fees and Charges

1. Interest Rate (Finance Charges):
   • 3.6% per month (equivalent to 52.86% per annum) on the outstanding amount.
2. Foreign Currency Markup Fee:
   • 3.5% of the transaction amount for all international purchases made in foreign currency.
3. Cash Advance Fee:
   • 2.5% of the amount withdrawn or a minimum of Rs. 500, whichever is higher.
4. Fuel Surcharge:
   • 1% of the transaction amount, waived for fuel purchases between Rs. 400 and Rs. 4,000 at all petrol pumps across India.
5. Late Payment Fee:
   • Rs. 300 for amounts up to Rs. 500.
   • Rs. 500 for amounts between Rs. 501 and Rs. 5,000.
   • Rs. 600 for amounts between Rs. 5,001 and Rs. 10,000.
   • Rs. 700 for amounts over Rs. 10,000.
6. Over-limit Fee:
   • 2.5% of the over-limit amount, subject to a minimum charge of Rs. 500.
7. Rewards Redemption Fee:
   • Nil. There is no charge for redeeming CV Points earned through the card.
8. Duplicate Statement Fee:
   • Rs. 100 per statement for physical copies of statements older than 3 months.
9. Cheque Return or Dishonor Fee:
   • Rs. 500 for returned or dishonoured cheques.
10. Card Replacement Fee:
    • Rs. 100 for card replacement within India.

Axis Bank Vistara Signature Credit Card Product Details

1. Earn 4 Club Vistara (CV) Points for every Rs. 200 spent. CV Points are redeemable for flights, upgrades, or bookings with Air Vistara.
2. Receive 1 complimentary Premium Economy Class ticket and a Club Vistara Silver Membership upon joining.   
3. Earn up to 3,000 bonus CV Points and 4 complimentary Premium Economy Class tickets based on annual spending milestones.   
4. Enjoy 2 complimentary domestic airport lounge visits per quarter and a complimentary Club Vistara Silver Membership.   
5. Access to 3 complimentary rounds of golf annually at premium golf destinations in India.
6. Includes purchase protection up to Rs. 1 lakh, coverage of USD 300 for loss of travel documents and delay of check-in baggage, and USD 500 for loss of check-in baggage.

Axis Bank Vistara Signature Credit Card Eligibility Criteria

Age:

Salaried	18-70 years
Self-Employed	18-70 years

Income Requirement:    

Salaried Individuals:	Minimum annual income of Rs. 6,00,000
Self-Employed Individuals:	Minimum annual income of Rs. 6,00,000

Existing Bank Relationship:   

• Existing customers with Axis Bank may have an advantage, but it is not a mandatory criterion.

Other Factors:

• Applicants must meet the bank’s overall credit criteria, including their ability to repay the credit card dues.

Documents Required for Axis Bank Vistara Signature Credit Card

Identity Proof	Address Proof
Aadhar Card	Aadhar Card
PAN Card	Utility Bills (e.g., electricity, water, or gas bill)
Voter ID	Passport
Passport	Driving License
Driving License	Ration Card

Income Proof:

1. For Salaried Individuals:

• Latest salary slips
• Recent bank statements showing salary credits

2. For Self-Employed Individuals:

• Latest Income Tax Return (ITR)
• Recent bank statements

How to Activate Axis Bank Vistara Signature Credit Card

Activation via Net Banking:

1. Log In: Visit the Axis Bank Net Banking website and log in with your credentials.
2. Navigate to Credit Card Section: Go to the ‘Cards’ tab on the dashboard.
3. Select Card Activation: Choose the option to activate your new credit card.
4. Enter Details: Input the necessary details as prompted (e.g., card number, OTP).
5. Confirm Activation: Follow the instructions to complete the activation process.

Activation via Activation Page:

1. Visit the Activation Page: Go to the Axis Bank credit card activation page, which may be provided in your welcome kit or on the bank’s official website.
2. Enter Details: Input your card number and other required information.
3. Verify Identity: Complete the verification process (e.g., enter OTP sent to your registered mobile number).
4. Confirm Activation: Follow the prompts to activate your card.

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