Axis Bank Vistara Signature Credit Card

creditVisaSignatureLegacy · discontinued

Axis Bank Vistara Signature Credit Card — co-branded Visa Signature card with Vistara. DISCONTINUED for new applications after the Vistara-Air India merger; existing cardholders are being transitioned to the Air India–Axis Bank portfolio. Earned 4 Club Vistara (CV) Points per ₹200 on eligible retail spends (~2% effective at typical ₹0.75–₹1.50/CV Point on flight redemptions). Perks: joining Premium Economy ticket voucher, 4 domestic lounge visits/year, milestone tickets at ₹3L/₹6L and Silver tier at ₹9L annual spends, 1% fuel surcharge waiver, Dining Delights. Annual fee ₹3,000 + GST (no waiver). Forex 3.5%.

Score breakdown

Data completeness: 100% · Last verified: 06 Jul 2026

Reward value42/100 · weight 65%

≈ 2.00% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.

No rewards on: government, wallet_load, rent, education, utilities, fuel, insurance. Reward score is scaled by ×(1 − 4.8%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.

Fee efficiency58/100 · weight 11%

Redemption flexibility92/100 · weight 8%

Perks36/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹3,000 + 18% GST
= ₹3,540 total
Annual fee: ₹3,000 + 18% GST
= ₹3,540 / year total
Forex markup: 3.5%

Lounge access

Domestic (per year): 4
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
all_spends	cashback	2%	—	4 CV Points per ₹200 base (~₹1/CV Point on flight redemption → ~2% effective; range 1.5–3% depending on redemption)
fuel	cashback	0%	—	No CV Points on fuel
rent	cashback	0%	—	No CV Points on rent
wallet_load	cashback	0%	—	No CV Points on wallet loads
government	cashback	0%	—	No CV Points on government/tax payments
insurance	cashback	0%	—	No CV Points on insurance
utilities	cashback	0%	—	No CV Points on utilities
education	cashback	0%	—	No CV Points on education

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

FuelRentWallet loadsCash advancesGovernment/tax paymentsInsuranceUtilitiesEducationCard fees & finance chargesExcluded MCCs

Welcome offer

1 Premium Economy Class ticket voucher (Club Vistara / Air India) on payment of joining fee + complimentary Club Vistara Base membership (pre-migration)

What's inside

Travel privileges

Milestone: ₹3L spend — Premium Economy ticket
₹6,000
1 complimentary Premium Economy ticket voucher on ₹3 lakh annual eligible spends.
yearly.
Milestone: ₹6L spend — Premium Economy ticket
₹6,000
Additional Premium Economy ticket voucher on ₹6 lakh annual eligible spends.
yearly.
Milestone: ₹9L spend — Silver tier
Complimentary Club Vistara Silver tier (or equivalent migration benefit) on ₹9 lakh annual spends.
yearly.
Domestic airport lounge access
4 complimentary domestic lounge visits per year (1 per quarter).
yearly.

Earn every day

1% fuel surcharge waiver
1% fuel surcharge waiver on fuel transactions ₹400–₹4,000, capped at ₹400/statement.
yearly.
Dining Delights
Discounts at partner restaurants under Axis Dining Delights.
yearly.

Welcome benefits

Premium Economy ticket voucher (joining)
₹6,000
1 complimentary Premium Economy Class ticket voucher on payment of joining fee (Club Vistara / Air India, subject to migration terms).
one time.
Club Vistara Base membership
Complimentary Club Vistara Base membership on joining (pre-migration).
one time.

Small print

Fuel surcharge:1% fuel surcharge waiver on fuel transactions ₹400–₹4,000 (max ₹400/statement)