Axis Bank Vistara Infinite Credit Card

The Bottom Line

Amazing Card for Regular Vistara Fliers

6 Club Vistara (CV) points / ₹200 spent on the card. Up to 4 Vistara Business Class Flight Tickets on annual spends of ₹2.5-12 lacs. Easily recoverable but high annual fee.

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Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	(-14.2%)^	1.8%	2.3%	4.2%	4.3%
Est. Monthly Reward (₹)	(715)	180	455	2,090	4,280
All-India Rewards Rank*	360	12	7	1	2
Within Bank Rank*	31	4	3	1	2
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. ^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The Axis Bank Vistara Infinite Credit Card offers great rewards of 3.4-7.0% for high spenders, but only if you can redeem all your rewards in the form of Vistara flights.

You earn 6 Club Vistara (CV) points for every ₹200 charged to the card, an effective reward rate of 2.7%, with no limits. This is based on our valuation of 1 CV point = ₹0.90.

The Vistara Infinite has a ₹10,000, non-waivable annual fee. However, you get a free business class ticket on Vistara every time you pay this fee and the card also has a milestone benefit of 10,000 CV points (worth ₹9,000) once you charge more than ₹1 lacs to the card in a year.

In addition, the Vistara Infinite also offers up to 4 business class tickets if your annual spend is between ₹2.5-12 lacs.

A quick search through the Vistara website shows the price of a business class ticket is between ₹15,000 – 20,000. Even taking the lower end of the range, someone spending ₹1 lacs a month on the card will get tickets worth ₹60,000 in a year or a reward yield of 5% just from the tickets.

However, we also think most people are happy to fly economy class domestically. So if that business class ticket is saving you from buying a ₹5,000 economy ticket, is it really worth ₹15,000?

We discounted the value of these tickets heavily, partly also to account for smaller flight network of Vistara and the very short 6 month expiry of these vouchers.

Despite that we estimate a net rewards yield of 3.4-4.3% for people charging ₹50,000 or more to the Vistara Infinite every month, making this a solid choice for those who can fly Vistara.

If you are willing to fully value those business class tickets, your net reward yield could be higher than 7%.

The ACE Credit Card is the best credit card for most other Axis Bank customers. We estimate it offers an average net reward yield of 2.3% on all your spend.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card
Card Type	Reward
Reward Features	6 Club Vistara points / ₹200 on all spending
Milestone Rewards	– 10,000 CV Points on charging ₹1 lacs in a year – 4 Complimentary Business Class tickets on charging ₹2.5-12 Lacs / Year
Other Rewards	– 40% Discount upto ₹1,000 with Axis Easy Diner – 2 Complimentary Domestic Airport Lounge Visits / Qtr – 6 Complimentary rounds of Golf / Year – Complimentary Club Vistara Gold Membership
Rewards Redemption Fee	Nil
Reward Caps	Unlimited
Preferred Redemption Method	Flight Booking and upgrades on Vistara Website ₹0.90 / CV point

Fees & Charges

Card		Axis Bank Vistara Infinite Credit Card
Joining Fee		₹10,000 + Taxes
Annual Fee		₹10,000 + Taxes
Min. Annual Credit Card Spend for Fee Waiver		N/A
Income Criteria	Salaried	₹6 lacs p.a.
Income Criteria	Self-employed	N/A
Supplementary Card Fee		Free
Interest Rate		52.86%
Foreign Currency Markup		3.50%
Cash Advance Charge		2.50% with a minimum of ₹500