Axis Bank Vistara Infinite Credit Card
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Community Consensus
Consensus Note: Axis Bank Vistara Infinite Credit Card issued by Axis Bank remains a flagship choice for High-spending Vistara/Air India loyalists, Business class flyers, golf enthusiasts. Verified user discussions highlight strong yields on spending thresholds.
At-A-Glance Quick Facts
AI Verdict CredSutra Engine
Synthesized objective algorithmic score
The Axis Bank Vistara Infinite Credit Card issued by Axis Bank offers competitive value for High-spending Vistara/Air India loyalists, Business class flyers, golf enthusiasts. Audit your monthly spending against its ₹10,000 + GST (No explicit fee waiver disclosed) fee structure.
Key Trade-offs & Considerations
- ⚡ Annual fee of ₹10,000 + GST (No explicit fee waiver disclosed)
- ⚡ Lounge access policy: 2 Domestic lounge visits/quarter (subject to spend criteria)
- ⚡ Reward rate: 6 Maharaja Points per ₹200 (3% base), up to 4 Business class ticket vouchers on milestones
Key Benefits & Characteristics
Category Rewards Multiplier Matrix
| Spend Category | Earning Multiplier / Return Rate |
|---|---|
| flight Travel & Flights | 2% to 5% points |
| shopping_cart Online Shopping & SaaS | 1% to 5% cashback |
| storefront Offline Retail Stores | 1% reward points |
| account_balance Government & Tax Pay | 0.5% (Caps apply) |
| house Rent & Wallet Loads | Excluded / 1% surcharge |
receipt_long Fee & Surcharge Breakdown
Detailed Analysis & Review
Deep-Dive Review: Axis Bank Vistara Infinite Credit Card (Discontinued)
Community Verdict
[!NOTE] IMPORTANT — Sourcing Discontinued: Axis Bank has stopped issuing new Vistara credit cards. The Vistara Infinite is now available only to existing invite-only customers. Following the Vistara-Air India merger (November 2024), benefits flow through the Air India Maharaja Club programme. Priced at ₹10,000/year, this card earns 6 Maharaja Points per ₹200 (3% base) and delivers up to 4 Business Class ticket vouchers annually on milestones (₹2.5L, ₹5L, ₹7.5L, ₹12L). The welcome/renewal Business Class ticket + Gold membership combo is compelling for Vistara/Air India loyalists, but the lack of fee waiver and the merger uncertainty are notable drawbacks.
Pros
- Welcome/Renewal Business Class Ticket Voucher: Complimentary Business Class ticket on paying the joining fee, and every year on renewal.
- 4 Business Ticket Vouchers from Milestones: At ₹2.5L, ₹5L, ₹7.5L, and ₹12L milestone spends — massive value for frequent flyers.
- High Base Earn Rate: 6 Maharaja Points per ₹200 (3%) — strong for a co-branded airline card.
- Complimentary Maharaja Club Gold Membership: Priority check-in, boarding, extra baggage, priority baggage handling.
- Complimentary Golf: 6 rounds of golf per year at select Indian courses.
- No Reward Redemption Fee: Maharaja Points redemption is free.
- Domestic Lounge Access: 2 complimentary visits per quarter.
- Purchase Protection: Cover up to ₹1 lakh.
- Travel Cover: USD 300 cumulative cover for lost travel documents, delayed/lost baggage.
Cons
- Card Sourcing Discontinued: No new applications accepted — invite-only for existing customers.
- Vistara Merger Impact: After the merger with Air India (Nov 2024), Club Vistara points and Business vouchers now flow through Air India Maharaja Club; terms have been revised.
- High Fee with No Waiver: ₹10,000 annual fee with no explicit fee-waiver threshold on the website.
- Minimum Income ₹24 Lakhs: Very steep eligibility threshold for income seekers.
- No International Lounge Access: Only 2 domestic lounge visits per quarter — surprising for a ₹10K premium travel card.
- High Forex Markup: 3.5% + 1.5% DCC on a premium travel card is very poor.
- 1% Surcharges: On rent, wallet >₹10K, fuel >₹50K, utilities >₹25K, gaming >₹10K, education via 3rd party.
- Gold Membership Conditional: Maharaja Club Gold is credited only “basis predefined conditions” since March 2024.
- No Fee Waiver: No spend-based fee reversal mentioned on the site.
Reward Spends & Categories
| Category Spend | Earning Rate / Reward Points |
|---|---|
| ✈️ All Eligible Spends | 6 Maharaja Points per ₹200 (3%) |
| 🎫 Welcome (fee payment) | 1 Business Class Ticket Voucher |
| 🎫 Milestone 1 (₹2,50,000) | 2nd Business Class Ticket Voucher |
| 🎫 Milestone 2 (₹5,00,000) | 3rd Business Class Ticket Voucher |
| 🎫 Milestone 3 (₹7,50,000) | 4th Business Class Ticket Voucher |
| 🎫 Milestone 4 (₹12,00,000) | 5th Business Class Ticket Voucher |
| ⛽ Fuel | 0 points (1% surcharge, no waiver disclosed) |
| 🏠 Rent | 0 points (1% surcharge) |
| 💡 Utilities | 0 points (1% fee over ₹25K) |
| 📱 Wallet Loads | 0 points (1% fee over ₹10K) |
| 🎮 Gaming | 0 points (1% fee over ₹10K) |
[!WARNING] Milestone Business ticket vouchers apply only on eligible spends — fuel, rent, wallet loads, utilities, education via 3rd party, and gaming are excluded from milestone calculations.
Airport Lounge & Travel Perks
[!IMPORTANT] Domestic: 2 complimentary visits per quarter at select domestic airport lounges, subject to spend criteria. International: No international lounge access available on this card. Golf: 6 complimentary rounds per year at select picturesque Indian golf courses.
Milestone Benefits
| Spend Threshold | Period | Reward | Value |
|---|---|---|---|
| First joining/renewal fee | Anniversary | 1 Business Class Ticket Voucher | Variable |
| ₹2,50,000 | Anniversary year | 2nd Business Class Ticket Voucher | Variable |
| ₹5,00,000 | Anniversary year | 3rd Business Class Ticket Voucher | Variable |
| ₹7,50,000 | Anniversary year | 4th Business Class Ticket Voucher | Variable |
| ₹12,00,000 | Anniversary year | 5th Business Class Ticket Voucher | Variable |
[!NOTE] Post-Merger Note: Following the Vistara-Air India merger (12 November 2024), ticket vouchers and CV points are now handled under the Air India Maharaja Club programme. Existing cardholders should check Air India’s website for updated terms.
Insurance & Travel Cover
| Cover | Amount |
|---|---|
| Purchase Protection | ₹1,00,000 |
| Loss of Travel Documents | USD 300 (cumulative) |
| Delay of Check-In Baggage | Covered |
| Loss of Check-In Baggage | Covered |
Review Context
- Verification Tier: LIVE_VERIFIED — scraped from official Axis Bank website (July 2026)
- Best For: High-spending existing Vistara/Club Vistana loyalists, Air India Business class flyers, golf enthusiasts
- Not For: New applicants (discontinued), international travellers (high forex, no intl lounge), those under ₹24L income
For official terms, interest rates, and applications, refer to the Bank Reference Page.