Introduction to Axis Bank Vistara Infinite Credit Card
The Axis Bank Vistara Infinite Credit Card is a premium offering designed for frequent travelers who prioritize luxury and exclusive privileges, particularly when flying with Vistara, India's finest full-service airline. Positioned as one of the top-tier travel credit cards in the Indian market, this card is tailored for high-income individuals who appreciate the finer things in life, such as complimentary business class tickets, elite airline memberships, and luxurious lifestyle benefits.
With an array of travel-oriented features, including a complimentary Club Vistara Gold membership and access to premium airport lounges, the Axis Bank Vistara Infinite Credit Card caters to those who frequently fly for business or leisure. The card not only offers significant rewards on everyday spends but also provides exclusive privileges that enhance the overall travel experience, making it a compelling choice for discerning customers who seek both value and luxury.
Axis Bank Vistara Infinite Credit Card Features
The Axis Bank Vistara Infinite Credit Card is packed with a range of features and benefits that appeal to frequent travelers and those seeking premium lifestyle experiences. Hereโs a detailed look at what this card has to offer:
Welcome and Renewal Benefits
- Complimentary Business Class Ticket Voucher: As a welcome gift, cardholders receive a complimentary Business Class ticket voucher upon payment of the joining fee. This benefit is extended every year upon card renewal, making it a valuable perk for those who regularly fly with Vistara.
Club Vistara Membership
- Complimentary Club Vistara Gold Membership: Cardholders enjoy a complimentary upgrade to Club Vistara Gold Membership, which includes perks like priority check-in, additional baggage allowance, and priority boarding. Starting March 1, 2024, this membership will be granted based on predefined conditions, adding an extra layer of exclusivity.
Rewards Program
- Accrue Club Vistara Points: Cardholders earn 6 Club Vistara (CV) Points for every โน200 spent on eligible transactions. These points can be redeemed for flight upgrades, award flights, and other exclusive Vistara services, allowing cardholders to maximize their travel rewards efficiently.
Milestone Rewards
- Milestone Spends Bonuses: The card offers substantial rewards for achieving specific spending milestones. Cardholders can earn bonus CV Points and up to 4 additional complimentary Business Class ticket vouchers annually, depending on their spending patterns. This feature makes the card particularly rewarding for high spenders.
Lifestyle Privileges
- Complimentary Lounge Access: Cardholders are entitled to 2 complimentary lounge visits per quarter at select domestic airports in India, subject to meeting the spend criteria.
- Complimentary Golf Rounds: Enjoy 6 complimentary rounds of golf each year at some of India's most scenic courses, adding an element of luxury and relaxation to your lifestyle.
- Dining Discounts: Benefit from dining discounts once per month at partner restaurants through EazyDiner, and enjoy up to 15% off at Trident Hotels, offering value beyond travel-related perks.
Insurance and Purchase Protection
- Travel Insurance: The card offers travel insurance coverage, including protection for loss of travel documents, delay, or loss of checked-in baggage, with a cover of up to USD 300.
- Purchase Protection: Purchases made with the card are protected against damage or theft for up to โน1 lakh, providing peace of mind for your high-value transactions.
Purchase to EMI Conversion
- EMI Conversion Option: Cardholders can convert purchases over โน2,500 into EMIs, making it easier to manage large expenses by spreading the cost over several months.
Axis Bank Vistara Infinite Credit Card Lounge Access
One of the key perks of the Axis Bank Vistara Infinite Credit Card is its complimentary lounge access, a benefit that enhances the overall travel experience by providing comfort and convenience at airports. This feature is particularly valuable for frequent travelers who appreciate the ability to relax or work in a quiet, comfortable environment before their flights.
Complimentary Lounge Access
- Domestic Airport Lounges: Cardholders receive complimentary access to select domestic airport lounges across India. The card offers 2 complimentary lounge visits per quarter, subject to meeting the minimum spend criteria. These lounges provide a range of services, including free Wi-Fi, snacks, beverages, and comfortable seating, allowing travelers to unwind before their journey.
Eligibility for Lounge Access
- Spending Criteria: To qualify for the complimentary lounge access each quarter, cardholders must meet specific spending thresholds. This ensures that the benefit is extended to those who actively use the card, rewarding their loyalty and spending habits.
- Participating Lounges: The list of participating lounges is extensive and includes many of the major airports across India. These lounges are operated by Visa, ensuring that the quality of service and amenities remains consistent and reliable.
Additional Lounge Access Options
- Beyond Complimentary Visits: If a cardholder exceeds the number of complimentary visits, additional lounge access can be obtained, but charges may apply. The availability of this service at a nominal cost ensures that even after exhausting complimentary visits, cardholders can still enjoy the benefits of lounge access.
Key Benefits of Lounge Access
- Comfort and Convenience: Airport lounges offer a more relaxed environment compared to the general waiting areas, with plush seating, quiet zones, and often, business facilities like conference rooms and workstations.
- Culinary Offerings: Lounges typically provide complimentary snacks, beverages, and in some cases, hot meals, making it easier to refresh before a flight.
- Priority Services: Lounges often include priority services such as faster check-in and boarding processes, which can be particularly beneficial during peak travel times.
Rewards Program of Axis Bank Vistara Infinite Credit Card
The rewards program of the Axis Bank Vistara Infinite Credit Card is one of its most attractive features, particularly for those who frequently travel with Vistara Airlines. The card is designed to maximize the value of each rupee spent, allowing cardholders to accrue points quickly and redeem them for high-value travel experiences.
Earning Club Vistara Points
- Standard Earning Rate: Cardholders earn 6 Club Vistara (CV) Points for every โน200 spent on eligible transactions. This includes most retail purchases, making it easy to accumulate points through everyday spending.
- Accelerated Earning Opportunities: While the card has a robust standard earning rate, cardholders can further accelerate their points accumulation by strategically using the card for high-value purchases, particularly on travel-related expenses.
Milestone Rewards
- Bonus CV Points: The card offers significant rewards for reaching specific spending milestones. For instance, after reaching certain annual spend thresholds, cardholders can earn large bonuses of CV Points, which can be redeemed for flights or upgrades.
- Complimentary Business Class Tickets: In addition to earning CV Points, cardholders are rewarded with up to 4 complimentary Business Class ticket vouchers annually upon meeting certain spend criteria. This feature is especially beneficial for frequent flyers, effectively reducing their overall travel costs and enhancing their travel experience.
Redemption of Club Vistara Points
- Award Flights: CV Points can be redeemed for award flights with Vistara, including Economy, Premium Economy, and Business Class tickets. The value of points tends to be highest when redeemed for Business Class tickets, offering an excellent return on spending for those who prefer premium travel.
- Flight Upgrades: Points can also be used to upgrade existing tickets to a higher class, allowing cardholders to enjoy a more luxurious travel experience without having to pay full fare prices.
- Wide Network: As Vistara continues to expand its network both domestically and internationally, the value of CV Points increases, providing cardholders with more opportunities to redeem their points for valuable travel experiences.
Additional Redemption Options
- Partner Redemptions: While the primary focus of the rewards program is on Vistara flights, the card also offers the possibility to redeem points with partner airlines within the Star Alliance network. This adds flexibility and increases the utility of the rewards program, particularly for international travelers.
Reward Validity and Expiry
- Point Validity: Club Vistara Points typically have a validity of three years from the date of accrual. This gives cardholders ample time to accumulate and strategically redeem points for maximum value.
- No Redemption Fees: Unlike some other credit card rewards programs, the Axis Bank Vistara Infinite Credit Card does not charge a fee for redeeming CV Points, making it straightforward and cost-effective to utilize rewards.
Maximizing Rewards
- Strategic Spending: Cardholders can maximize their rewards by aligning their spending patterns with the cardโs bonus structures, such as reaching milestone spends to unlock additional benefits.
- Supplementary Cardholders: Adding supplementary cardholders (e.g., family members) can also help accumulate CV Points faster, as all eligible transactions contribute to the primary account's point balance.
Axis Bank Vistara Infinite Credit Card Limit
The credit limit on the Axis Bank Vistara Infinite Credit Card is a significant factor for many potential cardholders, especially given its premium status. The card is tailored for high-income individuals, and the credit limit reflects this positioning by offering substantial purchasing power.
Determining the Credit Limit
- Income and Financial Profile: The credit limit is primarily determined based on the cardholder's income, financial stability, and credit history. Applicants with higher incomes and strong credit scores are more likely to receive a higher credit limit, making this card ideal for those who can demonstrate robust financial health.
- Existing Debts and Liabilities: Axis Bank also considers existing debts and liabilities when determining the credit limit. Lower existing debts relative to income generally result in a higher credit limit, as the bank assesses the applicantโs ability to manage additional credit responsibly.
- Credit Utilization: The bank may review how much of your available credit you typically use (credit utilization ratio). Lower utilization on other credit accounts can positively influence the limit assigned to the Axis Bank Vistara Infinite Credit Card.
Flexibility and Adjustments
- Limit Adjustments: The credit limit is not fixed permanently; it can be reviewed and adjusted periodically. Cardholders with a consistent history of timely payments and responsible credit usage may request an increase in their credit limit. Additionally, Axis Bank may proactively offer a limit increase based on the cardholderโs spending behavior and financial growth.
- Temporary Limit Enhancements: For specific needs, such as planned high-value purchases or travel expenses, cardholders may request a temporary increase in their credit limit. This request is subject to the bankโs approval and typically requires a solid track record of card usage.
Managing the Credit Limit
- Over-Limit Usage: While the card does offer flexibility, exceeding the assigned credit limit can result in over-limit fees and may negatively impact the cardholderโs credit score. Axis Bank charges 2.5% of the over-limit amount (with a minimum fee of โน500) if this occurs, so it is advisable to monitor usage carefully.
- Credit Limit Alerts: To assist in managing their credit usage, cardholders can set up alerts that notify them when they are approaching their credit limit. This helps prevent accidental over-limit charges and ensures better control over spending.
Significance of the Credit Limit
- Purchasing Power: A high credit limit provides significant purchasing power, which is particularly beneficial for frequent travelers who might need to book expensive flights, hotels, or make other substantial purchases.
- Impact on Credit Score: Maintaining a low credit utilization ratioโusing a small percentage of the total credit limitโcan positively affect your credit score. With a high credit limit, it becomes easier to keep your utilization ratio low, thereby enhancing your creditworthiness over time.
User Experience with Axis Bank Vistara Infinite Credit Card
The user experience of the Axis Bank Vistara Infinite Credit Card is a crucial aspect that significantly influences overall customer satisfaction. As a premium credit card, it is expected to offer not just exceptional features, but also a seamless and user-friendly experience across all touchpoints, from application to daily usage and customer support.
Application Process
- Online Application: The application process for the Axis Bank Vistara Infinite Credit Card is straightforward and can be completed online through the Axis Bank website or mobile app. Applicants need to fill out a form, submit the required documents, and await approval. The digital application process is designed to be quick and efficient, minimizing the time and effort required.
- Offline Application: For those who prefer a more traditional approach, the card can also be applied for at Axis Bank branches. Bank representatives assist with the paperwork and guide applicants through the process, ensuring a smooth experience.
Card Management
- Axis Mobile App: The Axis Mobile App is a comprehensive tool for managing the credit card, offering features like real-time transaction tracking, rewards point monitoring, and easy payment options. The app is well-rated for its user-friendly interface, making it convenient for cardholders to manage their accounts on the go.
- Internet Banking: Cardholders can also manage their Axis Bank Vistara Infinite Credit Card through Axis Bankโs internet banking platform. This portal provides access to account statements, payment history, reward point balances, and allows for easy bill payments. It also offers the ability to convert transactions into EMIs and request service enhancements, such as credit limit increases or additional cards.
Customer Support
- Dedicated Helpline: Axis Bank offers a dedicated customer support line for its premium cardholders. This ensures that any issues or queries are handled promptly and by experienced staff who understand the specific needs of Infinite Credit Card users.
- 24/7 Assistance: The bank provides round-the-clock customer support, which is crucial for addressing any immediate concerns, such as card loss, fraudulent transactions, or emergency credit limit adjustments. This 24/7 availability is a key feature for travelers who might need assistance at any time, regardless of their location.
- Concierge Services: As part of the premium package, the Axis Bank Vistara Infinite Credit Card includes access to concierge services. These can assist with a wide range of tasks, from booking flights and hotels to making restaurant reservations, adding a layer of luxury and convenience to the user experience.
Billing and Payments
- Flexible Payment Options: Cardholders can choose from various payment options, including auto-debit, online transfers, or payments through the Axis Bank app or website. The bank also offers reminders and alerts to help ensure that payments are made on time, reducing the risk of late fees and interest charges.
- Detailed Statements: Monthly statements are detailed and easy to understand, providing a clear breakdown of all transactions, fees, and rewards earned. This transparency is vital for maintaining control over finances and ensuring that there are no unexpected charges.
Security Features
- Fraud Protection: The card comes with robust fraud protection features, including SMS and email alerts for every transaction, ensuring that cardholders are immediately aware of any unauthorized usage. Additionally, the card is equipped with EMV chip technology, which provides an extra layer of security against counterfeiting and skimming.
- Zero Liability on Lost Card: In the event of card loss or theft, cardholders are protected by a zero liability policy, provided the loss is reported promptly. This offers peace of mind, knowing that they wonโt be held responsible for fraudulent charges.
Overall User Experience
- Satisfaction: Feedback from cardholders generally indicates high satisfaction levels, particularly with the ease of managing the card via the mobile app and the quality of customer service. The additional perks, such as concierge services and priority customer support, further enhance the overall experience.
- Luxury and Convenience: The Axis Bank Vistara Infinite Credit Card is designed to provide not just financial benefits, but also a luxury experience. From the simplicity of online management to the personalized attention of dedicated customer service, every aspect of the cardโs use is tailored to meet the expectations of premium users.
Axis Bank Vistara Infinite Credit Card Rewards and Benefits
The Axis Bank Vistara Infinite Credit Card is designed to offer more than just travel rewards and standard credit card features. It provides a suite of additional perks and benefits that cater to the lifestyle needs of high-income individuals, making it a comprehensive tool for enhancing daily life as well as special experiences.
Lifestyle Privileges
- Complimentary Golf Rounds: Cardholders are entitled to 6 complimentary rounds of golf each year at some of Indiaโs most prestigious and scenic golf courses. This benefit is ideal for golf enthusiasts looking to enjoy their favorite sport at premium locations without the additional cost.
- Extraordinary Weekends: The card offers access to curated experiences across the world through the โExtraordinary Weekendsโ program. This includes unique dining, travel, and entertainment experiences that are tailored to the tastes of premium cardholders.
- Dining Discounts: Cardholders can enjoy dining discounts once a month at partner restaurants through EazyDiner, enhancing their culinary experiences. The discount varies, but it typically includes significant savings at top-tier restaurants, allowing for luxurious dining at a reduced cost.
- Hotel Discounts: Enjoy up to 15% off on stays at Trident Hotels, which are known for their luxury and impeccable service. This benefit makes luxury stays more accessible and adds value for frequent travelers who prefer high-end accommodations.
Insurance Coverage
- Travel Insurance: The Axis Bank Vistara Infinite Credit Card provides comprehensive travel insurance coverage, which includes:
- Loss of Travel Documents: Coverage of up to USD 300 for expenses incurred due to the loss of essential travel documents like passports.
- Delay of Checked-in Baggage: Coverage of up to USD 300 for any inconvenience caused by delayed baggage.
- Loss of Checked-in Baggage: Coverage up to USD 300 for the loss of checked-in baggage, helping to replace essential items.
These insurance benefits are particularly valuable for frequent international travelers who need peace of mind while navigating potential travel disruptions.
- Purchase Protection: Purchases made with the Axis Bank Vistara Infinite Credit Card are covered against theft or accidental damage for up to โน1 lakh. This provides reassurance for high-value purchases, ensuring that cardholders are protected against unforeseen events.
Travel and Concierge Services
- Global Concierge Service: The card includes access to a global concierge service, which can assist with a wide range of needs, from booking travel arrangements to securing reservations at exclusive restaurants and events. This service is available 24/7, ensuring that cardholders have support whenever they need it, regardless of their location.
- Airport Services: In addition to lounge access, the card may offer other airport-related privileges, such as meet-and-greet services, priority check-in, and assistance with baggage. These services streamline the travel experience and provide an added layer of convenience and luxury.
Fuel Surcharge Waiver
- Fuel Surcharge Waiver: Cardholders benefit from a 1% fuel surcharge waiver on fuel transactions between โน400 and โน4,000. This waiver applies across all fuel stations in India and can result in significant savings for those who frequently use their card to pay for fuel.
Emergency Card Replacement
- Emergency Card Services: In case of loss or theft of the credit card while traveling, Axis Bank offers emergency card replacement services, even when abroad. This ensures that cardholders are not left stranded without access to credit, maintaining their financial security and convenience.
Exclusive Events and Invitations
- Invitations to Exclusive Events: As a premium cardholder, you may receive invitations to exclusive events, such as luxury brand launches, high-profile social gatherings, and private previews. These events provide networking opportunities and access to unique experiences that are not available to the general public.
Eligibility Criteria of Axis Bank Vistara Infinite Credit Card
The Axis Bank Vistara Infinite Credit Card is a premium offering, and as such, it has specific eligibility criteria that applicants must meet. These criteria ensure that the card is offered to individuals who can make the most of its exclusive benefits and manage its financial responsibilities effectively.
Age Requirements
- Primary Cardholder: The primary applicant must be between 18 and 70 years of age. This broad age range accommodates a wide demographic, from young professionals to established individuals nearing retirement.
- Add-on Cardholders: The minimum age for add-on cardholders is 15 years. This allows families to extend the cardโs benefits to younger members, such as children or dependents.
Income Criteria
- Minimum Income Requirement: The primary cardholder must have a net annual income of at least โน24 lakh (โน2 lakh per month). This high income threshold reflects the cardโs premium positioning and ensures that it is targeted at individuals who are likely to benefit from its high-value rewards and benefits.
Residency Status
- Resident of India or NRI: Applicants must be residents of India or Non-Resident Indians (NRIs). This makes the card accessible to a wide range of individuals living in or having connections to India.
Credit Score
- Credit History: While specific credit score requirements are not publicly disclosed, applicants are expected to have a strong credit history with a good credit score. A solid credit history indicates responsible credit usage and increases the likelihood of approval.
Documentation Requirements
To apply for the Axis Bank Vistara Infinite Credit Card, the following documents are typically required:
- Proof of Identity: PAN card or Form 60 (in case the applicant does not have a PAN card). Other government-issued IDs like Aadhaar card, passport, or voter ID may also be accepted.
- Proof of Income:
- Salaried Applicants: Latest salary slips or Form 16.
- Self-Employed Applicants: Latest Income Tax Returns (ITR) and proof of business continuity (such as a business registration certificate).
- Proof of Address: A valid address proof document such as a driving license, utility bill (electricity/telephone), passport, or Aadhaar card.
- Photograph: A recent passport-sized photograph may also be required.
Bankโs Discretion
- Approval and Discretion: Even if all eligibility criteria are met, the final approval of the card is at the discretion of Axis Bank. The bank may request additional documentation or information as part of its due diligence process and reserves the right to approve or decline applications based on its internal policies.
How to Apply for Axis Bank Vistara Infinite Credit Card?
Applying for the Axis Bank Vistara Infinite Credit Card is a straightforward process that can be completed either online or offline, depending on your preference. Below is a step-by-step guide on how to apply, along with some tips to improve your chances of approval.
Online Application Process
The online application process is convenient and can be completed from the comfort of your home. Hereโs how to do it:
- Visit the Official Axis Bank Website: Navigate to the credit card section of the Axis Bank website and select the Axis Bank Vistara Infinite Credit Card from the list of available cards.
- Check Eligibility: Before applying, use the eligibility checker tool (if available) to ensure that you meet the basic criteria for the card. This step helps to avoid potential rejection.
- Fill Out the Application Form: Complete the online application form with your personal details, including name, contact information, residential address, employment details, and income information. Ensure all details are accurate to avoid delays in processing.
- Upload Required Documents: You will need to upload scanned copies of the necessary documents, such as proof of identity (e.g., PAN card), proof of address, proof of income (salary slips or IT returns), and a recent photograph.
- Review and Submit: Review all the information entered and make sure that all documents are attached. After confirming that everything is in order, submit the application.
- Receive Application Confirmation: Once your application is submitted, you will receive an acknowledgment email or SMS from Axis Bank with a reference number that you can use to track the status of your application.
- Wait for Approval: Axis Bank will review your application and documents. If additional information is required, the bank may contact you. Once approved, you will be notified, and the card will be dispatched to your registered address.
Offline Application Process
If you prefer to apply in person, you can visit any Axis Bank branch to complete the application process. Hereโs how:
- Visit an Axis Bank Branch: Go to the nearest Axis Bank branch and request an application form for the Axis Bank Vistara Infinite Credit Card.
- Complete the Application Form: Fill out the form with the required personal, financial, and employment details. Bank staff will be available to assist you if you have any questions.
- Submit Documentation: Provide photocopies of the necessary documents, such as proof of identity, proof of address, proof of income, and a recent photograph. Bring the original documents for verification.
- Submit the Application: Hand in the completed application form along with the documents to the bank representative. They will review your submission to ensure everything is in order.
- Receive Confirmation: The bank will give you a receipt or acknowledgment of your application. You can use the reference number on this receipt to track your application status.
- Wait for Approval: The bank will process your application and contact you if further information or documentation is required. Once your application is approved, you will be informed, and the card will be delivered to you.
Tips for a Successful Application
- Ensure Accurate Information: Double-check all the details in your application to ensure they are correct. Discrepancies can lead to delays or rejection.
- Maintain a Good Credit Score: A strong credit score increases your chances of approval. Before applying, itโs wise to review your credit report and resolve any outstanding issues.
- Prepare All Documents: Have all required documents ready and ensure they are up-to-date. Missing or outdated documents can delay the application process.
- Meet the Income Criteria: Ensure that your income meets or exceeds the minimum requirement of โน24 lakh per annum, as this is a key eligibility factor.
Axis Bank Vistara Infinite Credit Card Overview
| ๏ปฟFeature | Details |
|---|---|
| Type of Card | Premium Travel Credit Card |
| Annual Fee | โน10,000 + taxes |
| Joining Fee | โน10,000 + taxes |
| Reward Rate | 6 Club Vistara Points per โน200 spent |
| Renewal Rate | โน10,000 + taxes |
Pros and Cons of Axis Bank Vistara Infinite Credit Card
The Axis Bank Vistara Infinite Credit Card offers a range of benefits tailored to frequent travelers and individuals seeking premium lifestyle experiences. However, like any financial product, it has its strengths and potential drawbacks. Below is a balanced overview of the pros and cons to help you make an informed decision.
Pros
- Exclusive Travel Benefits
- Complimentary Business Class Ticket: The card offers a complimentary Business Class ticket upon joining and every year upon renewal, providing significant value for frequent travelers.
- Club Vistara Gold Membership: Cardholders receive a complimentary upgrade to Club Vistara Gold membership, which includes perks such as priority check-in, additional baggage allowance, and priority boarding.
- Generous Rewards Program
- High Earning Rate: Earn 6 Club Vistara (CV) Points for every โน200 spent on eligible transactions. These points can be redeemed for flights and upgrades, offering excellent value for frequent flyers.
- Milestone Rewards: Achieving spending milestones unlocks additional benefits, such as bonus CV Points and up to 4 complimentary Business Class ticket vouchers annually.
- Comprehensive Lifestyle Privileges
- Golf and Dining Benefits: Enjoy 6 complimentary rounds of golf each year and monthly dining discounts at partner restaurants through EazyDiner, enhancing your leisure and dining experiences.
- Hotel Discounts: Up to 15% off at Trident Hotels, adding value to your travel accommodations.
- Complimentary Lounge Access
- Quarterly Lounge Visits: Enjoy 2 complimentary lounge visits per quarter at select domestic airports, providing comfort and convenience during travel.
- Robust Insurance Coverage
- Travel Insurance: Coverage for loss of travel documents, delayed or lost baggage, and purchase protection of up to โน1 lakh, offering peace of mind during travel and high-value purchases.
- Flexible Payment Options
- EMI Conversion: Convert purchases over โน2,500 into EMIs, providing flexibility in managing larger expenses.
- Concierge Services
- Global Concierge Access: 24/7 concierge service available for booking travel, dining, and entertainment, adding convenience and luxury to everyday life.
Cons
- High Annual Fee
- โน10,000 Annual Fee: The high annual fee may be a drawback for those who do not frequently use the card's premium benefits, such as complimentary flights and lounge access.
- Stringent Eligibility Criteria
- High Income Requirement: With a minimum annual income requirement of โน24 lakh, the card is not accessible to everyone, limiting its availability to high-income individuals.
- Foreign Currency Markup
- 3.5% Foreign Transaction Fee: The foreign currency transaction fee is on the higher side, which can add up for frequent international travelers who make purchases abroad.
- Interest Rates and Fees
- High Finance Charges: The card carries a finance charge of 3.6% per month (52.86% per annum) on outstanding balances, making it expensive to carry a balance.
- Over-limit and Late Payment Penalties: Over-limit penalties and late payment fees can add up quickly if not managed carefully.
- Limited Lounge Access
- Quarterly Limitations: Only 2 complimentary lounge visits per quarter may be insufficient for very frequent travelers who often need access to airport lounges.
- Limited Redemption Partners
- Vistara-Focused Rewards: The rewards program is primarily focused on Vistara flights, which may limit its appeal to those who frequently travel with other airlines or prefer more flexible reward redemption options.
Comparative Analysis: Axis Bank Vistara Infinite Credit Card
| ๏ปฟFeature/Benefit | Axis Bank Vistara Infinite Credit Card | HDFC Bank Infinia Credit Card | SBI Card ELITE | ICICI Bank Sapphiro Credit Card | American Express Platinum Travel Card |
|---|---|---|---|---|---|
| Annual Fee | โน10,000 + taxes | โน12,500 + taxes | โน4,999 + taxes | โน6,500 + taxes | โน5,000 + taxes |
| Welcome Benefit | Business Class Ticket Voucher | 12,500 Reward Points | Welcome e-Gift Voucher worth โน5,000 | 20,000 PAYBACK Points | 10,000 Bonus Membership Rewards Points |
| Rewards Rate | 6 CV Points per โน200 spent | 5 Reward Points per โน150 spent | 2 Reward Points per โน100 spent | 4 PAYBACK Points per โน100 spent | 1 Membership Rewards Point per โน50 spent |
| Milestone Benefits | Up to 4 Business Class Ticket Vouchers | 50,000 Reward Points on โน8 Lakh spend | E-Gift Vouchers worth โน10,000 on โน3 Lakh spend | 20,000 PAYBACK Points on โน4 Lakh spend | 15,000 Bonus Membership Rewards Points on โน4 Lakh spend |
| Lounge Access | 8 Domestic Visits (2/quarter) | Unlimited Domestic & International Lounges | 8 Domestic Visits per year | 8 Domestic & 4 International Visits | 8 Domestic Visits (via Priority Pass) |
| Travel Benefits | Club Vistara Gold Membership | Complimentary Club Marriott Membership | Complimentary Trident Privilege Membership | DreamFolks Membership | Travel Vouchers worth โน7,700 |
| Foreign Currency Markup | 3.50% | 2% | 3.50% | 3.50% | 3.50% |
| Golf Privileges | 6 Complimentary Rounds | Unlimited Complimentary Rounds | 4 Complimentary Rounds | 4 Complimentary Rounds | Not Available |
| Insurance Coverage | Travel Insurance up to USD 300 | Comprehensive Travel & Air Accident Cover | Travel Insurance up to โน1 Crore | Air Accident Cover up to โน3 Crore | Travel Insurance on Card Loss & Air Accident Cover |
| Reward Redemption Flexibility | Vistara Flights, Upgrades | Flights, Hotels, Products, Cash Back | Flights, Hotels, Vouchers | PAYBACK Points for Purchases, Travel | Travel Vouchers, Products, Vouchers |
| Eligibility Criteria | โน24 Lakh Annual Income | โน45 Lakh Annual Income | โน10 Lakh Annual Income | โน15 Lakh Annual Income | โน12 Lakh Annual Income |
| Additional Benefits | Golf Rounds, Dining Discounts | Club Marriott, Forbes Digital Subscription | BookMyShow Offers, Premium Partner Deals | Culinary Treats, EMI Flexibility | Taj Experiences, Fine Dining & Lifestyle Deals |
Comparison Summaries
- Axis Bank Vistara Infinite vs. HDFC Bank Infinia: The HDFC Infinia offers more expansive lounge access (unlimited globally) and higher milestone rewards, but with a higher annual fee. Itโs ideal for travelers who need extensive international lounge access and premium lifestyle perks.
- Axis Bank Vistara Infinite vs. SBI Card ELITE: SBI Card ELITE has a lower annual fee and provides more accessible milestone rewards, but its benefits are more modest in terms of travel and lounge access compared to the Vistara Infinite, which is more focused on luxury travel.
- Axis Bank Vistara Infinite vs. ICICI Bank Sapphiro: ICICI Bank Sapphiro offers a balance between rewards and travel benefits, with a lower annual fee than the Vistara Infinite. However, it doesnโt match the specific airline-related perks like Vistara Gold Membership and Business Class tickets.
- Axis Bank Vistara Infinite vs. American Express Platinum Travel Card: The American Express Platinum Travel Card is more travel voucher-oriented, with a lower annual fee and simpler reward structures. However, it lacks the airline-specific perks and premium travel experiences offered by the Vistara Infinite.
Conclusion and Overall Rating
The Axis Bank Vistara Infinite Credit Card stands out as a premium credit card designed for high-income individuals who frequently travel with Vistara Airlines and value luxury experiences. Its offerings, such as complimentary Business Class tickets, Club Vistara Gold membership, and access to exclusive airport lounges, make it an exceptional choice for those who prioritize comfort and convenience during travel.
The cardโs rewards program is robust, with a strong focus on earning and redeeming Club Vistara Points, which can be used for flights and upgrades. The additional lifestyle benefits, including golf privileges, dining discounts, and comprehensive travel insurance, further enhance its appeal, making it more than just a travel cardโitโs a gateway to a luxurious lifestyle.
While the annual fee is on the higher side, the value provided through the welcome and renewal benefits, milestone rewards, and premium privileges justifies the cost for those who can fully leverage these offerings. The cardโs user experience, supported by Axis Bankโs dedicated customer service, ensures that cardholders enjoy seamless management and support.
The Axis Bank Vistara Infinite Credit Card earns a high rating for its targeted travel benefits, strong rewards program, and the luxurious perks it offers to its users. Itโs a card that excels in delivering value to frequent Vistara travelers and those seeking premium experiences. However, it is best suited for individuals who can meet the eligibility requirements and maximize the card's benefits through regular use.
Alternatives to the Axis Bank Vistara Infinite Credit Card
While the Axis Bank Vistara Infinite Credit Card is an excellent choice for frequent Vistara travelers who value luxury and exclusive perks, there are other premium credit cards in the Indian market that might better suit different needs or preferences. Below is a list of alternative credit cards, each with its own unique offerings that could be considered based on various priorities like global lounge access, general rewards, or lower fees.
1. HDFC Bank Infinia Credit Card
- Best For: High spenders who value extensive global lounge access and a broad rewards program.
- Key Features:
- Unlimited access to domestic and international airport lounges.
- Earn 5 Reward Points per โน150 spent.
- Complimentary Club Marriott membership for hotel discounts.
- 2% foreign currency markup fee, lower than most competitors.
- Why Consider It: The Infinia card offers more extensive lounge access and a lower foreign currency markup fee, making it ideal for international travelers who seek luxury at every step.
2. SBI Card ELITE
- Best For: Cardholders looking for a premium card with lower fees and diverse rewards.
- Key Features:
- Annual fee of โน4,999, which is lower than most premium cards.
- Earn 2 Reward Points per โน100 spent on all categories.
- Complimentary membership to Trident Privilege, Club Vistara, and more.
- 8 complimentary domestic lounge visits annually.
- Why Consider It: With a lower annual fee and decent travel perks, SBI Card ELITE is a cost-effective alternative that still offers significant rewards and benefits for regular travelers.
3. ICICI Bank Sapphiro Credit Card
- Best For: Those who seek a balance between lifestyle rewards and travel benefits with a moderate annual fee.
- Key Features:
- Earn 4 PAYBACK Points per โน100 spent domestically and 8 PAYBACK Points internationally.
- 8 complimentary domestic and 4 international lounge visits per year.
- Complimentary golf rounds and dining offers.
- Annual fee of โน6,500 + taxes.
- Why Consider It: The Sapphiro card provides a well-rounded package of travel, lifestyle, and reward benefits, making it a good option for users who want diverse rewards without a very high annual fee.
4. American Express Platinum Travel Credit Card
- Best For: Travelers looking to earn and redeem rewards specifically for travel expenses.
- Key Features:
- Earn 1 Membership Rewards Point per โน50 spent.
- Travel vouchers worth โน7,700 on spending โน1.9 lakh annually.
- 8 complimentary domestic lounge visits via Priority Pass.
- Lower annual fee of โน5,000 + taxes.
- Why Consider It: This card is ideal for those who prefer a straightforward rewards program focused on travel vouchers and discounts, especially with a lower annual fee compared to other premium cards.
5. Citibank Prestige Credit Card
- Best For: Frequent international travelers who want global privileges and concierge services.
- Key Features:
- Complimentary access to over 1,000 airport lounges globally through Priority Pass.
- Earn 5 Reward Points per โน100 spent internationally.
- Complimentary night stay at luxury hotels and global concierge services.
- Air Accident Insurance of โน5 crore.
- Why Consider It: Citibank Prestige is tailored for international travelers who value exclusive global benefits, luxury hotel stays, and comprehensive insurance coverage.
6. Standard Chartered Ultimate Credit Card
- Best For: High spenders looking for premium rewards across all spending categories.
- Key Features:
- Earn 5 Reward Points per โน150 spent on all categories.
- Unlimited domestic and international lounge access.
- โน10,000 cash back on Yatra and โน20,000 rewards on card activation.
- Annual fee of โน5,000 + taxes.
- Why Consider It: This card offers a strong rewards program that is not limited to specific categories, making it versatile for high spenders who want to maximize returns across all their expenditures.
Which Card Should You Choose?
- For Vistara Frequent Flyers: Stick with the Axis Bank Vistara Infinite Credit Card if you frequently travel with Vistara and can maximize the value of the complimentary Business Class tickets and Club Vistara Gold membership.
- For Global Lounge Access: Consider the HDFC Bank Infinia or Citibank Prestige Credit Cards, both offering unlimited access to a large network of airport lounges worldwide.
- For Lower Annual Fees: The SBI Card ELITE or ICICI Bank Sapphiro offer lower annual fees while still providing decent travel and lifestyle benefits.
- For General Rewards and Flexibility: The Standard Chartered Ultimate Credit Card and American Express Platinum Travel Card are good options for those who prefer broad rewards programs applicable to a variety of spending categories.
FAQs: Axis Bank Vistara Infinite Credit Card
Here are some frequently asked questions about the Axis Bank Vistara Infinite Credit Card, covering key aspects of the card's features, usage, and application process.
1. What benefits do I get as a welcome gift?
- Answer: As a welcome gift, cardholders receive a complimentary Business Class ticket voucher upon payment of the joining fee. This voucher can be used for travel on Vistara flights, adding significant value right from the start.
2. How do I earn Club Vistara Points with this card?
- Answer: You earn 6 Club Vistara (CV) Points for every โน200 spent on eligible transactions. These points can be redeemed for Vistara flights, upgrades, and other rewards through the Club Vistara program.
3. What are the milestone benefits offered by this card?
- Answer: The Axis Bank Vistara Infinite Credit Card offers milestone benefits, including up to 4 additional complimentary Business Class ticket vouchers annually, depending on your spending patterns. These vouchers are awarded as you reach specific spending thresholds.
4. What is the foreign currency markup fee on this card?
- Answer: The foreign currency transaction fee for the Axis Bank Vistara Infinite Credit Card is 3.5% of the transaction value. This fee applies to all transactions made in a currency other than Indian Rupees.
5. What is the insurance coverage provided by this card?
- Answer: The card provides comprehensive travel insurance coverage, including protection for loss of travel documents, delay or loss of checked-in baggage, and purchase protection up to โน1 lakh. These benefits help ensure peace of mind while traveling.
6. Can I convert my purchases into EMIs?
- Answer: Yes, purchases over โน2,500 can be converted into EMIs (Equated Monthly Installments). This option allows you to spread the cost of large purchases over a period of time, with applicable interest rates and processing fees.
7. What happens if I exceed my credit limit?
- Answer: If you exceed your credit limit, an over-limit fee of 2.5% of the over-limit amount (with a minimum charge of โน500) will be applied. It is advisable to monitor your usage to avoid this fee.
8. What makes this card suitable for frequent flyers?
- Answer: The Axis Bank Vistara Infinite Credit Card is ideal for frequent flyers due to its airline-specific rewards, including complimentary Business Class tickets, Club Vistara Gold membership, and multiple lounge access privileges, all of which significantly enhance the travel experience.
