Vistara Signature Axis Bank Credit Card

Vistara Signature Credit Card is one of the cards offered by Vistara in collaboration with Axis Bank. The travel-focused card can be used for various purchases and you can redeem the earned CV (Club Vistara) points to avail upgrades or free tickets on Vistara. Vistara Signature Axis Bank Credit Card has a lot to offer including deals and discounts on flights as well as on dining, travel, shopping, accommodation and lifestyle. As customers, you can also enjoy an insurance cover, complimentary lounge access, etc.

This credit card is a contactless card with all other privileges. Its contactless technology allows for faster and more secured payments. Meant for frequent users of Vistara Airlines, i.e. Vistara loyalists, it is eligible for those earning a minimum of Rs.6 lakh a year.

Read further to know all about the Axis Bank Vistara Signature Credit Card.

Vistara Signature Credit Card– An Overview

Key Features

Here are some of the key features of the Vistara Axis Bank Signature Card:

• Welcome Benefits: A complimentary Premium Economy Class ticket voucher after payment of fee. This is also applicable every year post-renewal of your credit card.
• Complimentary Maharaja Club Membership: You can enjoy the privileges you receive from the complimentary Maharaja club Silver Membership on fee payment. This membership is gained within 10 working days of annual fee payment or joining. Privileges include priority check-in, additional baggage allowance, etc.
• Golf Program Benefits: You receive 3 complimentary rounds of golf per year at various Indian locations with Golf courses.
• Zero Points on Some Transactions: The card does not give point benefits for some transactions such as Rent, Wallet load transactions, Jewellery, Gold, Silver, Utility bill payment, Government services, Insurance, Precious stones & metals, as well as Watches.
• Dining Benefit: 25% discount up to Rs.800 at over 4,000 restaurants in India through Axis Bank Dining Delights programme.
• Complimentary lounge access: 2 lounge access are allowed at select Indian airports, given certain conditions like a minimum Rs.50,000 spends during the last quarter.
• EMI Conversion: Last but not the least, transactions of or above Rs.1,500 converted into easy EMIs through phone banking. This allows you to make repayments at comparatively lower rates.

Benefits of Axis Bank Vistara Signature Credit Card

The particular Axis Bank Credit Card comes with a huge list of benefits for the customers. Some of these are as follows:

Spending Power: The different cashbacks provided under this card substantially increase the spending power of the customers.

Flexibility: Though the Vistara Axis Credit Card is co-branded, you have a variety of options to use the card and benefit from the same.

Build a Credit History: Customers can use it to better their credit history, given they maintain a good credit score through regular use and timely payments.

Benefits Through Rewards Points: The Vistara Signature Axis Credit Card helps you earn reward points for every Rs.200 spent, thus making you benefit substantially from your purchases through the credit card. Exclusions are there.

Here are some factual benefits you receive as a holder of the Axis Signature Vistara Credit Card:

• Every Rs.200 spent on eligible categories earns you 4 Maharaja points.
• Dining benefits across more than 4,000 partner restaurants across the country with EasyDiner
• You receive 3 complimentary rounds of golf per year at various Indian locations with Golf courses.
• Every Wednesday, 10% off on purchases from Swiggy and Amazon Fresh.
• On Wednesdays, instant savings up to 15% on hotels and flights via Makemytrip and Goibibo.
• Again, 10% off (Max. Rs.1000) on Tira – mid-week offer for Wednesdays.
• Insurance cover also available – Purchase protection cover up to Rs.1 lakh and cover up to USD 300 in case of loss of travel documents or loss/delay of check-in baggage.
• 2 complimentary domestic lounge access permitted at select airports.
• EMI conversion allowed for transactions over Rs.1,500.
• There are milestone benefits also – bonus Maharaja Club points and up to 4 Premium Economy Class ticket vouchers on reaching the milestone spends.

USP - Axis Bank Vistara Signature Credit Card

The unique selling points (USPs) of Axis Bank Vistara Signature Credit Card include its reward points and domestic lounge access facility along with the insurance cover provided.

Golf Program benefits are an additional perk that's usually saved for the high-net-worth individuals.

While the card has discounts and benefits for milestone spends and other eligible purchases, there are other lifestyle benefits including those related to dining, travel, etc.

EMI conversion also counts as one of the USPs for this credit card by Axis Bank.

Eligibility Criteria

Here are some of the criteria based on which you are entitled to get this card:

• The person who will serve as the primary cardholder, that is, in whose name the card will be issued, must be at least 18 years in age. S/he should also not be over 70 Years.
• The person needs to be an Indian citizen.
• One needs to be earning an income of at least Rs.6 lakh a year to obtain and use the card.

Documents Required

The following documents are required when applying for the Axis Bank Vistara Signature Credit Card:

• A photocopy of your PAN card or Form 60
• A proof of income
• A proof of residence

For income proof, you may provide your latest salary slip, Form 16, or Income Tax Returns (ITR) copy.

For residence proof, electricity bill, landline telephone bill, passport, ration card, etc may be used.

You may be asked an identity proof and a coloured photograph of yours. For the proof of identity, you may use Aadhaar card, Driving license, PAN card or your passport.

Target Customers

The Card mainly targets individuals who belong to the group of those earning at least Rs.6 lakh a year, and frequent flyers and users of Vistara Airlines.

High income individuals with interest in Golf sport may also prefer the particular card.

Besides these, it also caters to travel enthusiasts as it provides instant savings on flights and hotels bookings from Goibibo and Makemytrip.

Individuals who seek rewards on purchases also form a significant category of customers for the Vistara Signature Axis Bank Credit Card.

Hence, the following can be claimed as the target customers for Vistara Signature Axis Bank Credit Card:

• Vistara Airlines' frequent users
• Those earning at least Rs.6 lakh a year
• People who wish to enjoy the Golf sport
• Individuals looking for exclusive benefits
• Travel enthusiasts
• Individuals seeking rewards on purchases made

EMI Conversion Option

When the Vistara Axis Bank Infinite Credit Card user carries out a transaction of more than Rs.1,500, s/he has the chance to convert such big credit card purchase into Equated Monthly Instalments or EMIs. You can contact the bank for the same.

Insurance Coverage

The card does provide some insurance coverage.

You are offered a Purchase protection cover that is valid up to Rs.1 lakh.

Cover up to USD 300 is available in the following cases:

• loss of travel documents
• delay of check-in baggage
• loss of check-in baggage

Fees

Take a look at various other fees and charges that are applicable with the use of Vistara Infinite Axis Bank Credit Card-

All above charges and fees are taxable (GST) as per Government norms.

Late Payment Penalties

The details for late payment penalties attached to LIC Signature Credit Card are mentioned below in the table:

It may be noted that the Rs.100 charge will continue to remain applicable for every payment cycle till the MAD or minimum amount due is paid.

Furthermore, there is also an over limit penalty chargeable when a transaction crosses the credit limit on the card. It is charged at 2.5% of the over limit amount (minimum Rs.500).

Understanding Credit Card Billing Cycle

Credit Card Billing Cycle refers to the time period for which your credit card bill or statement is generated. The bill/statement shows all your transactions of that period made with that credit card and the complete payment you need to make within the next few days. To avoid above-mentioned late payment penalties, it is important that you make the required payment within the particular time frame, that is, before the due date.

Flipkart Axis Bank Credit Card, Miles & More Cards, Signature Cards, Ace Credit Card, and Axis Bank Freecharge Plus Credit Card are credit cards that have a fixed billing cycle.

Here are the billing cycle dates:

A billing cycle date being the 12th of a month may refer to a billing cycle of 30 days starting from 13th of the previous month. The next 20 days or so after 12th of the month (the billing cycle date) will possibly be your time period to make the required payment to avoid late fees.

Pros and Cons of Paying the Minimum Amount Due on Credit Cards

Benefits

• Avoid late fees: Paying the minimum amount due on your credit card is a way to successfully make the payment while also not pay in full. This is beneficial if you are in a lack of funds at the moment. You, at least, are saved from paying the penalties.
• Credit score: Ensuring that the payments made are in time, you can also ensure a good credit score. Credit score brings you a lot more benefits in your financial way ahead.
• Credit utilization ratio: Now that you are able to keep a good standing of your account, you are able to manage the credit utilization ratio better as well.
• A positive account status: All these points promote a healthy relationship between you and your card issuer.

Drawbacks

• Increased interest rates: This is one of the major drawbacks of paying only the minimum amount due. The remaining amount is charged additional interest rates when paying later, thereby increasing your overall repayment amount.
• Creditworthiness: While paying the minimum amount due within the given time limits, you do keep your credit score good, but not good enough. This is because paying the full amount and avoiding debt accumulation bring much more creditworthiness for the card holder.
• Enhanced financial liability: Increased debt period also increases your financial burden over a period of time. You might not be able to pay off the accumulated debt in the time being. It can impact your other financial goals too.
• Difficulty obtaining loans: Given lower creditworthiness and a higher credit utilization ratio, getting loans and credit cards in the future could be more difficult.

Rewards

The various rewards you can enjoy with the Card are:

• Points/Milestone Benefits:
  • 4 Maharaja Points are earned on every Rs.200 spent on eligible purchases
  • You can redeem for upgrade as well as to get flights rewarded faster
  • Bonus Maharaja Club points and up to 4 Premium Economy Class ticket vouchers as well on milestone spends:
    • 1st Premium Economy Class Ticket Voucher on Rs.1,50,000 spends on Vistara Credit Card
    • 2nd Premium Economy Class Ticket Voucher on Rs.3,00,000 spends on Vistara Credit Card
    • 3rd Premium Economy Class Ticket Voucher on Rs.4,50,000 spends on Vistara Credit Card
    • 4th Premium Economy Class Ticket Voucher on Rs.9,00,000 spends on Vistara Credit Card
• Complimentary Maharaja Club Membership: You can enjoy the privileges you receive from the complimentary Maharaja club Membership. This membership is gained within 10 working days of annual fee payment or joining. Privileges include priority check-in, additional baggage allowance, etc.
• Golf Program Benefits: You receive 3 complimentary rounds of golf per year at various Indian locations with Golf courses.
• Dining Benefits: 25% up to Rs.800 is applicable across more than 4,000 partner restaurants across the country with EasyDiner.
• Mid-Week Deals: Every Wednesday, you get to enjoy some tempting offers. These include:
  • 10% off on purchases from Swiggy and Amazon Fresh
  • Instant savings up to 15% on hotels and flights via Makemytrip and Goibibo
  • 10% off (Max. Rs.1000) on Tira
• Conversion to EMI: Along with exciting other offers, conversion of big purchase into EMIs via phone banking for transaction over Rs.1,500 is also applicable.
• Insurance Cover:
  • Purchase protection cover is valid up to Rs.1 lakh
  • In case of loss of travel documents or delay/loss of check-in baggage, there is a cover up to USD 300
• Complimentary lounge access: 2 lounge access are allowed at select Indian airports, given certain conditions.

Availability of Add-On Card Option

This Vistara Axis Credit Card may give the option of Add-On card/s, also known as Supplementary cards. However, both the Add-on card joining fee as well as Add-on card annual fee amount to Nil.

Exclusions

There are several categories across which there are no Plus point benefits:

• Rent
• Wallet load transactions
• Jewellery, Gold, Silver
• Utility bill payment
• Government services
• Insurance
• Precious stones & metals
• Watches

Complimentary Membership

Here are some complimentary benefits and memberships:

• As discussed, 2 complimentary lounge access are allowed at select Indian airports, given certain conditions.
• There is a complimentary Maharaja Club Membership for you to enjoy all resulting privileges. This membership is gained within 10 working days of annual fee payment or joining. Privileges include priority check-in, additional baggage allowance, etc.
• Moreover, a complimentary Premium Economy Class ticket voucher after payment of fee. This is also applicable every year post-renewal of your credit card.
• Another addition is the 3 complimentary rounds of golf you get to experience at some picturesque locations of the country.

Fuel Surcharge Waiver

Not applicable.

Airport Lounge Access (Domestic/International)

2 complimentary lounge access are allowed at select Indian airports, given certain conditions.

There is, however, no privilege regarding international lounge visit/access.

International Benefits

There are some international benefits of using this Axis Bank-LIC co-branded credit card. However, they are very limited when compared to the benefits offered by a number of other similar cards.

The main benefit of these is up to 15% off on spends made through Goibibo or MakeMyTrip for booking international hotels, holidays and cabs. There is no international lounge access available.

It is also important to note that international transactions using this Card are subject to a foreign transaction fee. This typically amounts to 3.5% of the value of the transaction made.

Forex Markup Fee

Charged on transactions made in a foreign currency, the Forex Markup fee or the foreign exchange markup fee for the Card is charged at 3.5%.

Golf Benefit

There is some golf benefit for the holders of this Card, who get to enjoy 3 complimentary rounds of golf at some picturesque locations of the country.

However, there are some other cards by Axis Bank which offer certain golf benefits for the holders of those cards. These include the Reserve Credit Card and the Select Credit Card.

MakeMyTrip Benefit

• As a mid-week deal, booking hotels and flights using the MakeMyTrip gives you up to 15% off on all Wednesdays. This helps you make instant savings in the mid of a week.
• It may be noted that the same offer is also applicable to Goibibo.

Value for You – How Much Do You Save

The chart below shows the amount of money, or the value, you get to save in a year's time when you utilize the Vistara Signature Axis Bank Credit Card with its several applicable features.

It is clear from the above table that you can save nearly Rs.28,700 in a year when you use the particular Card, thereby adding to your yearly savings.

Note: The values mentioned are assumed (imaginary) and have been used only for illustrative purposes. For more precise amounts and recent updates regarding the particular card, please refer to the card issuer's official website.

Security & Fraud Protection

The bank particularly instructs its customers to be careful against the call spoofing or call number spoofing fraud, a kind of fraud used to trick people into losing their money to the fraudsters.

An impersonation scam, it can happen in the form of toll-free number spoofing or fake Google search results.

The Bank has offered some tips to its customers to help them avoid such scams:

• Use toll-free numbers mainly for receiving customer calls instead of making outgoing calls.
• Make sure that you always prefer going to the official website of the company for contact information.
• Prefer not to download unknown applications on your devices.
• Avoid blindly trusting caller ID.
• Prefer to use the Block feature as and when required.
• When trying to access the website of the bank, try the URL in the browser's address bar.
• Know that no reputable company will ask for any confidential information, especially that attached to your account.
• Lastly, never share OTPs, PINs, passwords, CCVs and other similar confidential data with others.

In case of queries or complaints, one can always reach out to the bank via their structured format available on the official website to 'Lodge a Complaint.' There you will find both their contact details along with their Grievance Redressal Policy.

Moreover, the bank is in association with the CPP Assistance Services (P) Limited to protect your cards along with important documents in case of loss, theft, or other emergencies.

Should you Consider it?

The Vistara Axis Bank Signature Credit Card is good for customers looking for a credit card that's co-branded with an Airlines for flight-related benefits. You receive some welcome benefits, reward points along with insurance cover, dining discounts, travel discounts, EMI conversion, and more.

Note that 4 Premium Economy tickets is a good offer for frequent travellers and are well enough to reach the specified milestones for other benefits and offers.

Here are some points that make you more likely to benefit with this card:

• If you earn at least Rs.6 lakh a year.
• If you are seeking flight benefits, often use Vistara Airlines and prefer Premium Economy Class.
• If you are looking for reward points on several expenditures and are okay with the annual fee amount.
• If you can spend enough to enjoy the complimentary lounge access.
• If you are okay with a card that is mainly travel-focused.
• If you are a travel enthusiast and often prefer Makemytrip/Goibibo to plan the holidays.
• Lastly, if you are looking forward to having a credit card with insurance coverage, variety of other offers, discounts, vouchers and gift cards, etc., then the Vistara Signature Axis Bank Credit Card is suitable.

Note here, that in case you earn considerably more than Rs.6 lakh a year and are fine with a comparatively higher annual fee, then there are other card options to choose from.

Additionally, there is another more premium variant of credit cards co-branded between Vistara and Axis Bank – Infinite.

Those not loyal to one specific airline for flying may turn to explore other credit card options.

The card is also not suitable for making daily expenses.

Credit Card Customer Care Number

The following table gives the numbers you can use for Axis Bank credit card-related queries:

The following contact details aim at card protection:

CPP 24-hour helpline: 6000-4000

Emergency Toll-free number: 1800-419-4000

Emergency International number: 91 921244-4000

Use the following keywords to get the specific credit card details by sending an SMS to 56161600 or +919951860002:

Tips for Responsible Credit Card Usage

Follow the below-mentioned tips to ensure that your credit card usage is responsible enough:

Limited Spending

With a credit card in hand, one is naturally tempted to spend more than usual, without having to worry about the expenses. However, because you will have to pay all of it with interest at some point of time, you need to keep a check on your purchases.

Using the Rewards

Try to make efficient use of the available offers on your Airtel Axis Bank Credit Card, as that will help you save even as you spend, earn some extra money and thus maximize the benefits you can receive.

Monitor the Credit Card

From time to time, do a check on the card's particulars. This will help you ensure that the details in your statements are correct and there has been no fraud or inaccuracy from anywhere.

Repay Within Time

Last, never let your payment due dates reach before you actually make the required payments. This is important to maintain a good credit score and creditworthiness, and also avoid extra interest charges.

Multiple Payment Options Available to Pay your Credit Card Bill

You can use any of the following means for Axis Bank Credit Card bill payment:

When paying via Axis Bank Savings Account:

• Auto Debit
• Cash/Cheque Payment
• Axis Bank Mobile Banking
• Pay at ATMs
• Axis Bank Internet Banking

When paying through other banks' saving account/s:

• NEFT or VMT
• Pay using UPI
• Online payment

FAQs

Disclaimer: Please refer to the official website of the card issuer for any updates and exact details regarding the card.

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