Axis Bank Vistara Platinum Credit Card

Key Features & Benefits

The Axis Bank Vistara Platinum Credit Card is designed specifically for travelers who frequently fly with Air India. Right from activation, you receive a complimentary Economy class ticket voucher, setting the tone for the travel rewards that follow. Every purchase you make earns you 2 Maharaja Points per ₹200 spent, which translates to a 1% reward rate that can be redeemed for flight upgrades, award flights, and other Air India benefits.

What makes this card particularly attractive is its milestone benefit structure. As you reach annual spending thresholds of ₹1.25 lakh, ₹2.5 lakh, and ₹6 lakh, you unlock free Economy ticket vouchers—essentially rewarding your loyalty with complimentary flights. This makes higher spending worthwhile for regular travelers who can plan their purchases strategically.

Additionally, you get 2 complimentary domestic airport lounge visits per quarter (8 visits annually), adding comfort to your travel experience. The lounge access becomes free automatically if you’ve spent ₹50,000 in the previous three months, and new cardholders enjoy a waiver for the first three months. With no joining or annual fees on add-on cards, you can extend these benefits to family members at no extra cost.

All You Need to Know About: Axis Bank Vistara Platinum Credit Card

The Axis Bank Vistara Platinum Credit Card is a co-branded travel credit card issued by Axis Bank Limited in partnership with Air India, operating on the Visa network. Designed for domestic travelers, this card combines everyday spending rewards with milestone-based benefits that directly translate into free flights. The card costs ₹1,500 plus GST as joining fee and the same amount annually from the second year, though the joining fee is waived entirely if you spend ₹30,000 within the first 90 days of receiving the card. Add-on cards for family members come with no fees whatsoever.

From a rewards perspective, the card offers a consistent earning structure of 2 Maharaja Points for every ₹200 spent on eligible purchases, which works out to a 1% reward rate. These Maharaja Points are part of Air India’s loyalty program and can be redeemed for flight upgrades, award flights, and various travel-related benefits. What sets this card apart is its milestone benefit structure—you earn complimentary Economy class ticket vouchers when you hit annual spending thresholds of ₹1.25 lakh, ₹2.5 lakh, and ₹6 lakh. Additionally, you receive one free Economy ticket voucher immediately upon card activation as a welcome benefit. These vouchers can be used to book flights on Air India’s domestic network, providing tangible value for regular travelers.

The card includes 4 complimentary domestic airport lounge visits per year through participating lounges across India. To access lounges without charges, you need to have spent ₹50,000 in the preceding 3 calendar months; however, new cardholders enjoy a waiver for the first 3 months. The eligibility criteria are straightforward—you need to be between 18 and 70 years old, hold resident Indian status, and earn a minimum of ₹6 lakh per annum whether you’re salaried, self-employed, or running a business. The application process can be completed online through Axis Bank’s credit card portal or offline at any branch, requiring standard KYC documents including PAN card, identity proof, address proof, and income proof. Applications are typically processed within 5 to 7 working days.

In terms of financial charges, the card carries an interest rate of approximately 3.75% per month, which compounds to around 45% per annum if you carry a balance—making it crucial to pay your bills in full each month. Foreign transactions attract a 3.5% markup on the converted amount, which is on the higher side compared to some competitors. There are additional charges to be aware of: a 1% convenience fee applies to certain bill payments and wallet reloads, and standard late payment fees and over-limit charges apply as per the bank’s schedule. The card also includes travel accident insurance and purchase protection, though specific coverage details are subject to the terms and conditions provided by the bank. Credit limits typically start from ₹75,000 and are assigned based on your income profile and credit history. Overall, this card is best suited for frequent Air India flyers who can leverage the milestone benefits and Maharaja Points ecosystem to maximize their travel savings while enjoying domestic lounge access and straightforward rewards on everyday spending.

Pros & Cons

How to Apply

Applying for the Axis Bank Vistara Platinum Credit Card is straightforward. Visit the official Axis Bank credit card portal and navigate to the Vistara credit card section. Click on “Apply Now” and fill in your personal details, including name, contact information, employment details, and annual income. You’ll need to upload KYC documents such as your PAN card, identity proof (Aadhaar/Passport/Voter ID), address proof, and income proof (salary slips or ITR). The portal offers an instant eligibility check based on your credit profile. Once submitted, your application is typically processed within 5 to 7 working days. Alternatively, you can visit your nearest Axis Bank branch and apply offline with the assistance of bank representatives.

Detailed Fee Structure

The Axis Bank Vistara Platinum Credit Card has a joining fee of ₹1,500 plus applicable GST, which can be waived if you spend ₹30,000 within the first 90 days of card issuance. From the second year onwards, an annual fee of ₹1,500 plus GST applies. Add-on cards come with no joining or annual fees, making it economical to extend benefits to family members.

Beyond the basic fees, be aware of ancillary charges. Late payment fees apply if you miss your payment deadline, and over-limit charges kick in if you exceed your credit limit. The card carries a 1% convenience fee on certain bill payments and wallet reloads. Foreign transactions attract a 3.5% markup on the converted amount. If you carry a balance, interest is charged at approximately 3.75% per month, which compounds to around 45% annually. Cash advance fees and processing charges also apply as per the bank’s fee schedule. Always review the Most Important Terms and Conditions document provided by Axis Bank for the complete fee structure.

Who Should Get This Card?

This card is ideal for frequent domestic travelers who regularly fly with Air India or Vistara and want to maximize their travel rewards. If you’re someone who can comfortably meet the annual spending milestones of ₹1.25 lakh or more, the free Economy ticket vouchers offer exceptional value. It’s particularly suited for salaried professionals or business owners earning ₹6 lakh or more annually who have predictable travel needs. The card works best for those who can pay their balance in full each month to avoid high interest charges and who primarily travel domestically, as international lounge access isn’t included. If you’re loyal to the Air India ecosystem and want a straightforward rewards structure without complex category multipliers, this card delivers solid value without unnecessary complications.

Alternatives & Competitor Comparison

Feature	Axis Bank Vistara Platinum Credit Card	Club Vistara IDFC FIRST Credit Card
Card Image
Card Network	Visa	Mastercard
USP	The Axis Bank Vistara Platinum Credit Card rewards frequent Air India flyers with milestone-based free Economy tickets, earning 2 Maharaja points per ₹200 spent on all purchases, along with complimentary domestic lounge access and a welcome flight voucher.	The Club Vistara IDFC FIRST Credit Card offers premium travel rewards with up to 3% Maharaja points on regular spends, complimentary flight vouchers, airport lounge access, and exclusive Maharaja Club Silver membership, making it perfect for frequent Vistara flyers and premium lifestyle enthusiasts seeking accelerated travel benefits.
Annual Fee	1500 Plus GST	4999 Plus GST
Joining Fee	1500 Plus GST	4999 Plus GST
Welcome Benefits	Complimentary 1 Economy class ticket voucher on card activation	1 Premium Economy ticket voucher, 1 class upgrade voucher, complimentary Maharaja Club Silver membership, 3-month EazyDiner Prime/BQ Prime subscription
Lounge Access	Domestic: 2 per quarter On spends of ₹50,000+ in the preceding 3 calendar months (waived for first 3 months for new users)	Domestic: 2 per quarter | International: 1 per quarter On spends of ₹20,000+ in the last month
Reward Rate	Earn 2 Maharaja points for every ₹200 spent (1% reward rate). points redeemable for Air India flight upgrades and award flights. free Economy ticket vouchers at ₹1.25 lakh, ₹2.5 lakh, and ₹6 lakh annual spend milestones.	Earn 3% Maharaja points on spends up to ₹1 lakh per cycle, 2% above ₹1 lakh, 5% on birthday dining, 0.5% on fuel/utilities/rent. bonus 2,000 points for spending ₹30,000 in 2nd, 3rd, 4th billing cycles (first year only).
Interest Rate	3.75% per month (approximately 45% per annum)	0.75%-3.5% per month (9%-42% per annum)
Best For	Flight Bookings	Lounge Access, Travel
Apply Now	Apply Now	Apply Now

Frequently Asked Questions