Axis Bank Vistara Infinite Credit Card Indepth Review

By | January 11, 2017

Air Vistara in partnership with Axis bank launched a range of Vistara Co-Branded credit cards around July 2016 which includes three variants namely: Platinum, Signature & Infinite. Among which Axis Vistara Infinite Credit Card is the top of the line variant that can pamper you with Complimentary Business Class tickets on your everyday credit card spends.

  • Joining Fee: INR 10,000+Tax
  • Welcome Bonus: One Complimentary Business Class ticket (consider it pays off Joining fees)

Milestone benefits on Axis Vistara Infinite Card:

When you spend certain # anywhere with your Axis bank vistara Infinite credit card, you’re given with milestone benefits as below.

  1. Spend Rs.1,00,000 – 10,000 CV Points
  2. Spend Rs.2,50,000 – 1 Business Class ticket
  3. Spend Rs.5,00,000 – 1 Business Class ticket
  4. Spend Rs.7,50,000 – 1 Business Class ticket
  5. Also earn: 6 CV Points for every Rs.200 spent

Note that you need to pay extra Rs.500 or so as “taxes” to redeem these complimentary tickets. Apart from welcome bonus, on spending about 7.5L, you’ll end up with

  • 3 Business class tickets + 33,000 CV Points
  • CV points can be redeemed for tickets
  • Tip: Use CV points for Upgrades for better value

Now, what’s the value of it? For this, i took route BLR->DEL and here are the values

  • 3 Business Class Tickets: 60,000 INR
  • 3 Upgrade Vouchers: 30,000 INR
  • 33,000 CV Points: 25,000 INR
  • Total value: 1,15,000 INR (15% reward rate)

In other words, you get a super cool ~15% value back, as you spend 7.5L. A great return as you can see. Oh, but, do you travel in Business class usually? If not, the way you see this should be different.

An interesting part is, Air Vistara’s Business class ticket costs are not proportional to distance. BOM->DEL is costlier than BLR->DEL hence, the rates are based on the demand. Looks like there are lots of celebrities in Mumbai flying business class 😀

Features of Axis Vistara Infinite Card:

  • CardExpert Rating: 4.5/5
  • Reward rate: Upto 15% as complimentary tickets
  • Complementary Airport lounge access: 4 Visits/quarter via Visa Lounge Access Program & also via Club Vistara Gold Membership
  • Fuel Surcharge Waiver: Yes
  • Foreign Exchange Markup fee: 3.5% + Service Tax
  • Renewal Fee Waiver: Nil
  • Special Features: Club Vistara Gold Membership & Travel Insurance Protection, Complimentary golf access

While it delivers a better value than Vistara Platinum & Signature Cards, its important to ask yourself, will you spend 7.5L + Joining fees+taxes just for 4 flight tickets which hardly takes 2~3 hrs each? The perception varies from person to person.

However, if you’re a person who spend on new “experiences”, you might consider holding one. Like, if you want to access the business class lounges like GVK lounge in Mumbai, which the Priority Pass/Mastercard/Visa cards donot have access to, this Complementary business class ticket can get you one.


If you’re an existing Business Class flyer of Air Vistara who can spend 7.5 Lakhs a year “easily”, its no brainer to pick this card to save some costs. Only downside for most is the Vistara connectivity but now they’ve started flying even from Chennai and from other parts of the country.

Their connectivity is improving over time and they’re expected to go international by mid 2018, likely to Singapore from Delhi/Chennai. So i think we will have better opportunity to redeem the CV points on international sector as well in near future. Overall, its a wonderful product for the HNI i would say.

What’s your take on Axis Bank Vistara infinite Credit Card? Share your thoughts in comments below.

53 thoughts on “Axis Bank Vistara Infinite Credit Card Indepth Review

  1. Chiller

    Hi Sid

    You mentioned the ‘business class lounges like GVK lounge in Mumbai’ in your post. Would you know of the other business lounges in other airports that you cannot access with Priority Pass/Mastercard/Visa cards?

    1. Siddharth Post author

      No idea man. That was the only lounge i wasn’t able to access with priority pass so far.

  2. Himanshu Aggarwal

    Hi Sid,
    I have recently got this card, but there is NO joining bonus with it.
    Can you pls share the related link, if any?

    1. Siddharth Post author

      Was it a paid card? If you, you’ll get joining benefit as per their terms & conditions. Pls refer their website.

  3. Sam

    Is this card better than HDFC Regalia?

    Plus I see this is Visa infinite!!

    Any possibility that this could be life time free?

  4. Sunil

    I see it differently apart from 4 business class tickets​you also get CV points which can be used to buy tickets. A Bangalore Delhi ticket is available for approximately 6000 CV points so with 32500 points you can get 5 additional tickets. So the value I feel is much more than 7.5%

    Also the extra free luggage checkin also comes handy


  5. Alok

    The Vistara infinite card (or perhaps I might speak of Axis cards in general?) might not be the best option when traveling internationally. On my recent trip to the US, my card worked for a few transactions, then started getting declined. It wasn’t easy to reach customer service — there’s no non-toll-free-number printed on the back of the card. Once I figured out how to reach them, after about 8 minutes of hold, I was told that I should first enable auto-debit on my card, only then they can enable it for international use. I was well inside my credit limit, and I don’t like auto-debit, so I asked them if there was any other option. But that seemed to be the only way to enable it again. So I left it back in my bag and used other means of payment. It could have been tricky if I depended on using that card for hotel/etc and didn’t have good backup.

    1. Siddharth Post author


      Thanks for sharing your experience with Axis credit card. Its seems to be a weird rule.

      1. Alok

        I’m probing (checking with nodal officer) to see what’s going on; the MITC says autopay is required for NRE/NRO, not sure why it was applied for a resident card holder.

        This had been my primary CC, but I’m considering downgrading this to something with a low fee, (especially because of vistara options out of BOM) and applying for Yes First Preferred to use as my backup CC when HDFC DCB isn’t accepted. Any red flags with Yes’ customer service? Or should I go with Citi?

      2. Alok

        Checking with the nodal officer revealed that even though I’m a resident customer, they had somehow “flagged” my card as an NRI card and applied the rule of auto pay which is specified in the MITC. Why this happened is beyond me; and while it’s fixed now, I definitely won’t consider this card as a primary/backup in the fear it happens again 😀

  6. Arjun Mahajan

    Anyone who has applied/using these cards (Signature or Infinite)? Is it possible to get it on a card to card basis?

    Their online application is extremely tricky. Got 4 calls from the executives, all disconnected after I pick up the call.

    1. Anoop E S

      No. They don’t offer card on card basis.

      Yes. Their application process is very tricky. Last years my application for signature version of this card was declined. On another occassion, I met someone who is working in their credit card decision making department. Fortunately, he agreed to check for the reason for declining the card. He told me that I have to close my 7 year old SBI card with 6 lakhs limit to get Axis bank card.

      1. Anoop E S

        No siddharth. Vistara sourcing team says monthly net salary above Rs.60,000/-

        Anyway,I’ve applied for this card now. Will let you know

      1. Anoop E S

        True. No chance.

        coz this is aa airline tie-up card. Co-branded cards are good source of income for Airlines. They will not waive any charges…

  7. ND

    I am getting this card shortly (approved). Its a pretty good card and if you travel Mumbai – Delhi routes often, you can use exclusive Vistara Lounges (unlimited) even while flying Economy… Vistara Lounges otherwise are accessible only to Gold/Platinum and Business Class Vistara customers… Also will be my first Visa Infinite. Excited.

  8. saurabh

    I have this card for about 6 months and have earned the 2 Business class and 25000 points so far. I was able to redeep the points and ticket for a family vacation. But the issues which came up that vistara doesnt allow more than 3 tickets to be redeemed in a flight even after booking 2 months in advance. For the business class voucher, getting even 2 redeemptions together was not possible. Hence requested for a premium economy redeemption. Having all these restrictions reduces the benefit . The best way to use it for trips by 1-2 people and doing much in advance.
    customer service of vistara is good, only part one needs to call in week days during 9-6pm. axis bank customer service is horrible , i think sbi is better. have asked them for address change 2-3 times, visted bank , but no help.
    the fees for redeemption is about 680 Rs and not Rs. 1000 as stated in the article, might be it is reduced now. Vistara loughes are very remotely located in delhi around gate 40 and if one has gate in other side, it is of no use.
    rest is decent service. I think keeping the card will unlock once vistara starts international flight. i have amex jet card also, but i see more value in this as the points redeemption is cheaper and easier. the reward flight in jet is of no use, as it has lot of resitrictions.

    1. Siddharth Post author

      That’s a great info. Thanks for sharing your experiences with the card Saurabh!

  9. Ravin

    Hi Guys,

    Applied for this card today solely based on the SQ benefits linked to Vistara’s CV points and UK’s International Ambitions – As for me there are very limited options out of AMD (only DEL on UK at this stage which I rarely use) but the redemption of CV miles on SQ is pretty good – Has anyone tried that yet?


    1. Siddharth Post author

      I think redeeming AI Miles on SQ is better. Isn’t it? Though, i’m yet to explore both in real life.

  10. RK

    Infinite card will also give u 32.5k miles, roughly valued at 25k INR. so total value on 7.5 lakh spend is 10%. In 1st yr only.
    However, renewal bonus is 0, so that reduces 2nd yr onward value to 8%.

    1. Siddharth Post author

      That’s correct. I recently got this card. Will have the hands on review shortly 🙂

      1. S&S

        Eagerly look forward to it Siddharth!
        Have been waiting to make the move to this card but haven’t found enough valid reasons to.
        I’m sure your article will help 🙂


        1. Siddharth Post author

          You may blindly go for it if you can afford. I got more info now after redeeming some of these vouchers. Review should be up this week.

      2. RK

        What about Club Vistara Gold membership?? I think thats also valid for only 1yr

  11. Anoop E S

    This card got approved for me. Will be getting next week. My Club vistara status already got upgraded to Gold after this card got approved. They are also trying to give me a LTF Privilege card along with this.

  12. Gaurav Malik

    Had applied for this card….the card got accepted and in the verification call also they asked regarding the fees and the features of the card and if I was aware. But to my horror I have recived the base version of the card. I am already a Club Vistara Silver member….I hope I do not get downgraded….I have already escalated to the concerned team and if it does not get resolved will have to cancel this card as I do not see any value of this card. Any inputs. I know if I cancel this card I would be affecting my CIBIL score but I would have no option

  13. Arjun Mahajan

    Is a prior banking relationship with Axis a must for this card? Anyone who got the card without holding any account with them?
    Tried checking with the local branch for this card. They want me to open a savings account first and only then I can apply for any of the vistara cards.

  14. Gaurav Malik

    Hi Sid,

    Now you have this card when are you putting up the indepth analysis about this card and its best features amd how to get the maximum out of this card? Really looking forward.

  15. Rohit

    Hi, is the Gold tier renewed on card renewal? Suppose one does not accumulate the 25k CV points for tier renewal, will they be downgraded to Silver or will the Gold tier be renewed once the yearly fee is paid? Thanks in advance.

    1. Sreehari

      No Gold tier is renewed only on achieving the necessary tier points.

      1. Gkcards

        I thought will be forever Gold with this card. So the Gold benefits can be enjoyed for first year only as I don’t travel that much 🙁

  16. Mandar

    Hi Siddharth! I considered consulting you on your consulting page, but the page says you are not available for consulting. My query is, HDFC Bank officials approached me with Infinia card invitation. (This was after I applied for Diners Black through Bank Bazaar which found me eligible, but later gave up the idea as Diners club acceptance is almost nonexistent in my town). Should I blindly accept Infinia invitation, or should I explore others like this one or the Yes First Exclusive, Citi Prestige or Amex Platinum? I currently hold Regalia First.

    1. Siddharth Post author

      Apologies! I hope I would be available back again post Sep 2018.

      To answer your query,
      It totally depends on your lifestyle. But Infinia is well worth it when they’re ready to give you one.

  17. Surindar

    No need to buy Business Ticket for using GVK Lounge at Mumbai Airport. Club Vistara Gold Card Membership is free with Axis Vistara Infinite Card. Club Vistara Gild Card members are entitled to use GVK Lounge. Not only that any persons accompanying the Club Vistara Gold Membee, who are otherwise entitled to use other loyalty lounge, can get their card swiped at the other lounge for Rs 2 and can then accompany the CV Glod Card member to use GVK Lounge for free. CV Gold members are entitled to 1 Glass of Draught Beer or 2// Glass of wine !!

  18. Anup

    3 Business Class Tickets: 60,000 INR
    3 Upgrade Vouchers: 30,000 INR
    33,000 CV Points: 25,000 INR

    I understand on the 3 businesse class ticket as you achieve milestone, but from where you derived the 3 upgrade voucher? Because as a gold membership you get only one business class ticket as joining bonus.

  19. Ajay

    Took my wife to port blair from delhi using two vouchers “One for me one for her” and two for coming back. Earlier was told it would require a 4 vouchers to go and 4 to come back but thankfully the layover at kolkata does not count so a single voucher can be used.

  20. Pranav

    Do we get the spend based awards again? If I spend 7.5 L, I get 3 Business class tickets. So if I spend 15 L, do we get 6 tickets?

  21. Boopathy

    What is the benefit after we reach the 7.5 L limit on the card?

  22. Anoop E S

    This upgrade vouchers and lounge access vouchers… are they giving vouchers on renewal also? or just first year?


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