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Axis Bank Vistara Infinite Credit Card

Axis Bank Vistara Infinite Credit Card

The Axis Bank Vistara Infinite Credit Card is a premium travel credit card designed for high-frequency flyers and loyalists of Vistara (now integrated with Air India’s Maharaja Club). This card is engineered to provide an elite travel experience, offering direct entry into the upper tiers of airline loyalty programs and a suite of luxury lifestyle benefits. Beyond air travel, the card extends its premium reach into golf, fine dining, and comprehensive insurance coverage. It is a strategic financial tool for those who seek to maximize their travel value through complimentary class upgrades, priority airport services, and accelerated reward point accumulation on every spend.

Axis Bank Vistara Infinite Credit Card

Axis Bank Vistara Infinite Credit Card
Joining Fees
10000
Annual Fees
10000
Card Type
Travel, Rewards
Network Type
Visa
  • Earn 6 Maharaja Points for every ₹200 of eligible spends.
  • Complimentary Club Vistara Gold Membership: Enjoy priority check-in, priority boarding, and additional baggage allowance.
  • Domestic Lounge Access: 2 complimentary visits per calendar quarter at select airports in India (subject to spend criteria).
  • Golf Privileges: 6 complimentary rounds of golf at some of India's premier destinations.
  • Dining Discounts: Up to 40% off (up to ₹1,000) at partner restaurants via EazyDiner once per month.
  • Trident Hotels Offer: Up to 15% discount on bookings at Trident properties.
  • Finance Charges: 3.75% per month (55.55% per annum).
  • Cash Withdrawal Fee: 2.5% of the amount (Minimum ₹500).
  • Late Payment Fee: Nil for dues up to ₹500; up to ₹1,200 for dues above ₹10,000.
  • Foreign Currency Markup: 3.50% of the transaction value.
  • Overlimit Penalty: 2.5% of the overlimit amount (Minimum ₹500).
  • Utility Fee: 1% fee on cumulative spends of ₹25,000 or more towards utility payments per cycle.
  • Milestone Vouchers: Earn up to 4 complimentary Business Class ticket vouchers upon reaching annual spend milestones of ₹2.5L, ₹5L, ₹7.5L, and ₹12L.
  • EMI Conversion: Transactions above ₹1,500 can be converted into EMIs.
  • Insurance Cover: Includes Purchase Protection (₹1 Lakh) and US$300 cover for loss of travel documents or baggage delay.
  • Air Accident Cover: Complimentary personal air accident insurance cover up to ₹2.5 Crores.

PROS & CONS

  • High-Value Welcome: The complimentary Business Class ticket nearly offsets the joining fee.
  • Priority Services: Gold tier status significantly reduces airport wait times.
  • Achievable Milestones: High spenders can earn up to 5 free Business Class tickets annually.
  • High Annual Fee: ₹10,000 is a significant recurring cost.
  • Lounge Restrictions: Access is now subject to a minimum spend of ₹50,000 in the previous quarter.
  • Niche Utility: Rewards are most valuable only when redeemed within the airline's ecosystem.

ELIGIBILITY CRITERIA

Primary cardholder age must be between 18 and 70 years. • Net annual income should be ₹6,00,000 or more. • Must be a resident of India. • Documents required: PAN card/Form 60, Identity proof, Residence proof, and Income proof (Salary Slip/Form 16/ITR).

1 Complimentary Business Class ticket voucher provided upon payment of the joining fee. • Complimentary Club Vistara Gold Membership (credited within 10 working days of fee payment). • 10,000 bonus Maharaja Points on achieving spend of ₹1 Lakh within the first 90 days of card issuance

WELCOME BENEFITS

1 Complimentary Business Class ticket voucher provided upon payment of the joining fee. • Complimentary Club Vistara Gold Membership (credited within 10 working days of fee payment). • 10,000 bonus Maharaja Points on achieving spend of ₹1 Lakh within the first 90 days of card issuance

CARD REVIEW

The Axis Bank Vistara Infinite Credit Card is best suited for corporate travelers and high-net-worth individuals who frequently fly domestic routes and prefer the comfort of Business Class. While the ₹10,000 fee is steep, the value for money is exceptional if you utilize the welcome and milestone tickets, which can easily exceed the cost of the fee.

The primary limitation is the recent “devaluation” regarding lounge access, which now requires a quarterly spend of ₹50,000 to unlock. Additionally, following the Vistara-Air India merger transition, some tier renewal benefits are now linked to flight frequency rather than just card ownership. For those who can hit the ₹7.5L to ₹12L annual spend mark, this remains one of the most rewarding travel cards in the Indian market.

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