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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | -3.4%^ | 1.5% | 2.7% | 3.0% | 2.6% |
| Est. Monthly Reward (₹) | (170) | 150 | 540 | 1,495 | 2,605 |
| All-India Rewards Rank* | 309 | 22 | 3 | 3 | 5 |
| Within Bank Rank* | 25 | 7 | 2 | 2 | 4 |
| * 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. |
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The Axis Bank Vistara Signature Credit Card give effective rewards worth 1.8% of all purchases made on the card. You also receive up to 4 economy class tickets on Vistara when you meet certain milestones.
The Vistara Signature also has a non-waivable annual fee of ₹3,000.
Overall, including the value of milestone rewards, you can earn a net reward yield of 1.5-3.0% with this card, making this a better than average card. However Axis Bank does offer a few credit cards that give you higher rewards than the Signature.
The Axis Bank ACE Credit Card with a yield of 2.3% is one of the best credit cards in India and would be our choice over the Vistara Signature in most cases.
If you charge more than ₹50,000 a month to your card, the Axis Bank Vistara Infinite would earn you a net reward yield of 4.0-4.2%.
At a monthly spending level of ₹1 lacs+ the Magnus Credit Card is simply unbeatable with a net reward yield of 4.0 – 5.9%.
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.
| Card | Axis Bank Vistara Signature Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | – 4 Club Vistara Points / ₹200 for every spend |
| Milestone Rewards | – 3,000 CV Points on charging ₹75,000 to the card in a year
– 4 Complimentary Premium Economy Vistara tickets on reaching annual spends between ₹1.5-9.0 lacs |
| Other Rewards | – 2 Complimentary Airport Lounge Visits / Qtr
– 3 complimentary rounds of golf / year – 25% off upto ₹800 at restaurants across the country with Axis Bank EasyDiner |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | Unlimited |
| Preferred Redemption Method | Flight Booking on Vistara Website. 1 CV Point = ₹0.90. |
| Card | Axis Bank Vistara Signature Credit Card | |
|---|---|---|
| Joining Fee | ₹3000 + Taxes | |
| Annual Fee | ₹3000 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
N/A | |
| Income Criteria | Salaried | ₹6 Lacs |
| Self-employed | ₹6 Lacs | |
| Supplementary Card Fee | Free | |
| Interest Rate | 52.86% p.a. | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
| Card Association | Visa | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
