Axis Vistara Signature Credit Card

Joining fee: Rs. 3000

Renewal fee: Rs. 3000

Rewards: Up to 6 Reward points on every 100 INR spend.

Welcome Benefits: One Complimentary Economy Flight Ticket*

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The Axis Bank Vistara Signature Credit Card is a premium co-branded travel credit card with attractive benefits and privileges for frequent flyers and travel enthusiasts. It allows you to earn Vistara Club Membership with perks like priority check-in, baggage handling, lounge access, and accumulate Club Vistara Points on every eligible spend, redeemable for flights, upgrades, and other travel benefits.

Features of Axis Vistara Signature Credit Card

- - Earn accelerated Vistara Club Premium (VCP) miles on various spending categories, including 8 VCP miles for every ₹150 spent on Vistara, 4 VCP miles for every ₹150 spent on other airlines and hotels, and 2 VCP miles for every ₹150 spent on other purchases.
  - Enjoy complimentary Vistara Club Premium membership, providing access to exclusive benefits like priority check-in, baggage handling, and lounge access.
  - Receive a welcome bonus of 10,000 VCP miles upon spending ₹2 lakh within the first 90 days of card issuance.
  - Avail of a complimentary domestic air ticket (base fare only) every year upon spending ₹2 lakh or more on the card.
  - Get up to 15% discount on Vistara flight bookings made using the card.
  - Enjoy unlimited complimentary access to domestic airport lounges and select international lounges.
  - Benefit from comprehensive travel insurance coverage, including personal accident, lost baggage, and flight delay protection.

Benefits of Axis Vistara Signature Credit Card

- - Accelerated earning of Vistara Club Premium miles, allowing you to redeem for free flights and upgrades faster.
  - Exclusive privileges and enhanced travel experience with Vistara Club Premium membership.
  - Annual complimentary domestic air ticket, providing substantial savings on travel expenses.
  - Discounts on Vistara flight bookings, making travel more affordable.
  - Unlimited complimentary lounge access, offering a comfortable and relaxing pre-flight experience.
  - Comprehensive travel insurance coverage, providing peace of mind during your journeys.
  - No joining or annual fees, making the card cost-effective for frequent travelers.

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Fees and Charges of Axis Vistara Signature Credit Card

Fees:

Annual Fees: The Vistara Signature Credit Card comes with an annual fee of Rs. 8,888 + taxes. However, this fee is reversed if you spend Rs. 8 lakhs or more annually on the card.

Joining Fees: There are no joining fees or enrollment fees for this premium credit card from Axis Bank.

Renewal Fees: The renewal fees are the same as the annual fees, which are Rs. 8,888 + taxes, but again reversed if your annual spend is Rs. 8 lakhs or higher.

Add-on Card Fees: You can get up to 4 add-on cards absolutely free of cost with this Vistara co-branded card.

Charges:

Interest Rates: The interest rates or finance charges on the Axis Vistara Signature Credit Card range from 3.49% per month (41.88% annualized) to 4.93% per month (59.16% annualized), based on your credit score and repayment history.

Late Payment Charges: If you miss or delay your monthly credit card payment, you’ll be charged late payment fees of Rs. 100 for statements up to Rs. 500, Rs. 750 for statements from Rs. 501 to Rs. 50,000, and Rs. 950 for statements above Rs. 50,000.

Cash Advance Fees: For cash withdrawals from ATMs using this card, you’ll be charged a transaction fee of 3% of the cash advance amount, subject to a minimum of Rs. 300.

Over-Limit Charges: If you exceed your specified credit limit on the Vistara Signature Card, you’ll be charged 2.5% of the over-limit amount, subject to a minimum of Rs. 500.

Other Charges: There are also charges for services like cheque bounce (Rs. 500), card replacement (Rs. 100), outstation cheque payment (Rs. 50 per cheque), and foreign currency mark-up (3.5% on the INR equivalent of the transaction amount).

Eligibility for applying Axis Vistara Signature Credit Card

Age Criteria: Applicants must be between 21 and 65 years of age at the time of applying for the Axis Vistara Signature Credit Card.

Residential Status: The credit card is available for Indian residents, including salaried individuals, self-employed professionals, and businesspersons.

Income Requirements: Applicants must have a minimum annual income of ₹10 lakhs for salaried individuals and ₹15 lakhs for self-employed individuals or businesspersons.

Credit Score: Axis Bank evaluates the applicant’s credit history and credit score. A good credit score, typically above 750, is preferred for approval.

Employment Status: Salaried applicants should have a minimum of 1 year of continuous employment with their current employer. Self-employed individuals and businesspersons should have a minimum of 2 years of steady income from their profession or business.

Existing Relationship with Axis Bank: Existing Axis Bank customers, especially those with a good credit history and track record with the bank, may have a higher chance of approval.

Documentation: Applicants must provide the necessary documents, such as identity proof, address proof, income proof (salary slips, ITR, bank statements), and any other documents requested by the bank during the application process.

No Default Records: Applicants should not have any outstanding defaults, delayed payments, or unsettled dues with any financial institution or credit card issuer.

Club Vistara Membership: Applicants must be members of the Club Vistara loyalty program to be eligible for the Axis Vistara Signature Credit Card.

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Documents Required for Axis Vistara Signature Credit Card

Passport Size Photographs: Two recent passport-sized color photographs with a white background are needed. Ensure your face is clearly visible without any shadows or glares.

Identity Proof: Provide any one of the following government-approved identity documents – Passport, Voter’s ID, PAN Card, Driving License, or Aadhaar Card. The document should be valid and not expired.

Residence Proof: Submit any one of these documents as proof of your current residential address – Utility bills (electricity, water, gas, landline), Bank Statement/Passbook, Registered Rent Agreement, or Ration Card. The document must be recent, within the last 3 months.

Income Proof: As this is a premium credit card, you’ll need to show proof of your income/salary. Accepted documents include – Salary Slips for the last 3 months, Form 16, Latest Income Tax Returns with computations, or Bank Statements highlighting salary credits for the last 6 months.

Employment Proof: If you’re salaried, provide your official employment ID card or a copy of your appointment letter/confirmation letter from your employer. Self-employed individuals can submit their GST registration certificate or proof of business existence.

Existing Credit Card Statements: If you have any other credit cards currently, attach the latest 6 months’ statements. This helps the bank assess your existing credit behavior.

Signature Specimen: Provide your signature specimen on a blank white sheet of paper. Use a black or blue ball-point pen and sign exactly as on your ID proof documents.

How to apply for Axis Vistara Signature Credit Card?

Visit the official website of Axis Bank or the Vistara website and navigate to the credit card section. Look for the ‘Apply Now’ or ‘Apply Online’ option for the Vistara Signature Credit Card.
You’ll be prompted to fill out an online application form. Have your basic personal and financial details ready, such as your name, date of birth, income proof, residential address proof, and so on.
If you’re an existing Axis Bank customer, you may be able to log in using your internet banking credentials and have some of your details pre-filled.
For salaried applicants, you’ll need to provide your employer’s name, designation, total annual income, and upload salary slips or Form 16.
Self-employed individuals must furnish income tax returns for the last 2-3 years, along with business proof like shop & establishment license.
Review the entire application carefully before submission to ensure all entered information is correct and accurate.
You may be required to upload scanned copies of your ID proof, address proof, and income documents during the online application.
Once submitted, the bank will verify your details and conduct necessary checks. You’ll receive updates on your application status via email/SMS.

Axis Vistara Signature Credit Card Limit

- The Axis Vistara Signature Credit Card comes with a credit limit that matches your spending capabilities and lifestyle requirements. The credit limit is determined based on your income, credit history, and other financial parameters assessed during the application process.
- For salaried individuals, the credit limit typically ranges from ₹1.5 lakh to ₹10 lakh or more, depending on your eligibility. Self-employed individuals or professionals may be offered a credit limit between ₹2 lakh and ₹15 lakh or higher, subject to income and credit profile evaluation.
- The credit limit is not fixed and can be revised periodically based on your credit behavior and spending patterns with the Axis Bank Vistara Signature Credit Card. If you maintain a good repayment history and demonstrate responsible credit utilization, you may be eligible for a credit limit enhancement without having to request it.
- In case you require a higher credit limit than the one initially assigned, you can request an increase after maintaining the credit card account for at least 6 months. Axis Bank will review your request and may approve a higher limit if your financial profile and credit history meet their criteria.
- It’s important to note that a higher credit limit doesn’t necessarily mean you should max out your spending. Responsible credit management involves utilizing only a portion of your total credit limit to maintain a favorable credit utilization ratio, which positively impacts your credit score.
- Axis Bank provides the option to set up a temporary or permanent credit limit on your Vistara Signature Credit Card through their mobile app or by contacting customer service. This feature helps you control your spending and prevent accidental overutilization of your credit limit.

Rewards & Cashback Axis Vistara Signature Credit Card

Rewards:

- - Earn 3 Club Vistara Points for every ₹100 spent on the Axis Vistara Signature Credit Card, making it one of the most rewarding co-branded credit cards in the country.
  - Enjoy accelerated earning of 8 Club Vistara Points for every ₹100 spent on Vistara Airlines, including tickets, ancillary services, and other Vistara-related purchases.
  - Redeem your Club Vistara Points for award flights, upgrades, and other exclusive benefits on Vistara Airlines and its partner airlines.
  - Get a complimentary Club Vistara Silver membership upon card issuance, which provides access to priority check-in, baggage handling, and other benefits.
  - Enjoy a fast-track to Club Vistara Gold membership by earning 25,000 Club Vistara Points within the first year of card issuance, unlocking even more privileges.
  - Receive a welcome bonus of 3,000 Club Vistara Points after your first eligible transaction on the card, kickstarting your rewards journey.

Cashback:

- - Earn 1% cashback on all eligible purchases made using the Axis Vistara Signature Credit Card, providing a tangible monetary benefit.
  - Enjoy an enhanced cashback rate of 5% on eligible Vistara Airlines purchases, including tickets, ancillary services, and other Vistara-related expenses.
  - Redeem your accumulated cashback as a statement credit, effectively reducing your outstanding credit card balance.
  - There’s no minimum cashback accumulation required, allowing you to redeem your cashback as soon as it’s earned.
  - The cashback program is straightforward, with no complex terms or conditions, making it easy to understand and utilize.

How to Redeem Earned Rewards and Cashback Points?

Rewards:

- - The Axis Vistara Signature Credit Card offers a rewarding experience with its Rewards Program. Cardholders can earn Club Vistara Points on every eligible transaction made using the credit card.
  - Club Vistara Points can be redeemed for free flights, upgrades, and other exclusive benefits with Vistara Airlines. The more points you accumulate, the more you can redeem for premium travel experiences.
  - To redeem your earned Club Vistara Points, simply log in to your Axis Bank Vistara Signature Credit Card account or the Club Vistara website, navigate to the “Redemption” section, and follow the prompts to book your desired flight or redeem other rewards.
  - The redemption process is seamless, and you can easily track your points balance and available rewards options within your account.
  - Additionally, Axis Bank often runs promotional offers and partnerships, allowing you to earn bonus Club Vistara Points or avail special redemption rates for a limited time.

Cashback:

- - The Axis Vistara Signature Credit Card also offers attractive cashback opportunities on various categories of spends.
  - Cardholders can earn cashback on dining, movie tickets, utility bill payments, and more. The cashback percentages and eligible categories may vary from time to time, so it’s essential to stay updated with the latest offers.
  - To redeem your earned cashback, log in to your Axis Bank Vistara Signature Credit Card account and navigate to the “Cashback” or “Rewards” section.
  - You can choose to redeem your cashback as a statement credit, effectively reducing your outstanding balance, or opt for other redemption options like vouchers, gift cards, or merchandise, depending on what’s available at the time.