Axis Vistara Platinum Credit Card

IDFC FIRST Dual Indigo Credit Card

Best For

Shopping

Online Food Ordering

Travel

Best For

Shopping

Travel

Utility Bills

Cashback

APPLY AND GET425 GIFT CARD

Cashback

APPLY AND GET750 GIFT CARD

Top Benefits

  • spent redeemable for upgrades and award flights via Air India Maharaja Club
  • access on spending ₹50,000 in the previous 3 calendar months

Top Benefits

  • On IndiGo Flight Bookings 6 as card benefit, 8 as BluChip member bonus, 4 as channel bonus on IndiGo app/website, and up to 4 as tier bonus
  • on All Other Spends redeemable against IndiGo flight bookings via your IndiGo BluChip account

Welcome Benefits

Welcome Benefits

  • One complimentary one-way Economy Class base-fare-waived ticket voucher on the Air India domestic network, issued as a welcome gift on fee payment

Welcome Benefits

Welcome Benefits

  • 5,000 IndiGo BluChips voucher on joining-fee realization
  • 6E Eats meal voucher on joining-fee realization
  • 3-month EazyDiner Prime membership on card issuance
  • The Postcard Hotels stay voucher worth ₹3,000 on card issuance
  • 3,000 IndiGo BluChips voucher on spending ₹1,00,000 within 90 days of card issuance
  • No joining fee for FD-backed secured version

Travel Benefits

Flight Benefits

  • Earn 2 Maharaja Points for every ₹200 spent on eligible spends
  • Redeem Maharaja Points for Flight Upgrades and Award Flights via Air India Maharaja Club
  • Save up to 15% instantly on Flights and Hotels via Goibibo and MakeMyTrip every Wednesday

Railway Benefits

  • This card does not offer any benefits in this category

Cab Benefits

  • This card does not offer any benefits in this category

Bus Benefits

  • This card does not offer any benefits in this category

Travel Benefits

Flight Benefits

  • Earn up to 22 IndiGo BluChips per ₹100 on IndiGo flights via IndiGo website and app
  • 5,000 IndiGo BluChips voucher at each milestone spend of ₹2 lakh, ₹5 lakh, ₹8 lakh, ₹10 lakh, and ₹12 lakh annually, totalling up to 25,000 BluChips per year
  • 5,000 IndiGo BluChips voucher and 6E Eats meal voucher on each annual fee renewal

Railway Benefits

  • Earn 3 IndiGo BluChips per ₹100 on railway transactions

Cab Benefits

  • Earn 3 IndiGo BluChips per ₹100 on cab and car rental transactions

Bus Benefits

  • Earn 3 IndiGo BluChips per ₹100 on bus transactions

Lounge Benefits

Airport Lounge Benefits

  • 2 Complimentary Domestic Airport Lounge accesses at select airports within India
  • Minimum spend of ₹50,000 in the previous 3 calendar months required to unlock Lounge Access
  • For newly issued cards, the minimum spend criteria is waived for the month of issuance and the following 3 calendar months

Railway lounge Benefits

  • This card does not offer any benefits in this category

Lounge Benefits

Airport Lounge Benefits

  • This card does not offer any benefits in this category

Railway Lounge Benefits

  • This card does not offer any benefits in this category

Movie Tickets

Movie Ticket Benefits

  • This card does not offer any benefits in this category

Movie Tickets

Movie Benefits

  • This card does not offer any benefits in this category

Dining Benefits

Dining Benefits

  • This card does not offer any benefits in this category

Dining Benefits

Dining Benefits

  • 3-month EazyDiner Prime membership on card issuance

Fuel Benefits

Fuel Benefits

  • This card does not offer any benefits in this category

Fuel Surcharge Waiver Benefits

  • This card does not offer any benefits in this category

Fuel Benefits

Fuel Benefits

  • This card does not offer any benefits in this category

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver on fuel transactions between ₹200 and ₹5,000 per transaction, capped at ₹300 per statement cycle

Insurance

Insurance Benefits

  • Purchase protection cover up to ₹1,00,000
  • Travel-related coverage up to USD 300 for loss of travel documents
  • Coverage for delay of check-in baggage
  • Coverage for loss of check-in baggage

Insurance

Insurance Benefits

  • Trip cancellation cover on non-refundable flights or hotels, up to ₹25,000 per year

Bank Offers

Bank Offer

  • Wednesday Delight offers every Wednesday on partner platforms
  • Save up to 15% instantly on flights and hotels via Goibibo and MakeMyTrip every Wednesday
  • Get 10% off on orders via Swiggy and Amazon Fresh every Wednesday
  • Get 10% off on Tira purchases up to ₹1,000 every Wednesday

Bank Offers

Bank Offer

  • 4 complimentary golf rounds and 12 complimentary golf lessons every year via Mastercard World privileges

Joining Fee

₹1500

Joining Fee

₹4999

Joining Fee Waiver

1 complimentary economy class ticket on card issuance

Joining Fee Waiver

The joining fee is not offset by any bonus or credit.

Annual Fee

₹1500

Annual Fee

₹4999

Annual Fee Waiver

Not Applicable

Annual Fee Waiver

The annual fee is not waived under any spending conditions.

Minimum Age

18

Minimum Age

21

Maximum Age

70

Maximum Age

65

Income (Salaried)

6 LPA

Income (Salaried)

12 LPA

Income (Self-Employed)

6 LPA

Income (Self-Employed)

6 LPA

Credit Score Required

720

Credit Score Required

720

Employment Type

Salaried & Self-Employed

Employment Type

Salaried & Self-Employed

Forex Markups

3.50%

Forex Markups

1.49%

APR Fees

3.75%

APR Fees

3.85%

ATM withdrawal

2.50%

ATM withdrawal

₹199

Reward Redemption Fees

Not Applicable

Reward Redemption Fees

Not Applicable

Link for all T&Cs

View T&C

Link for all T&Cs

View T&C

Railway Surcharge

As prescribed by IRCTC / Indian Railways

Railway Surcharge

1%

Rent Payment Fees

1%

Rent Payment Fees

1%

Cash Payment Fees

₹175

Cash Payment Fees

Not Applicable

Check Payment Fees

2%

Check Payment Fees

Not Applicable

Max Fee

750

View Breakdown

Max Fee

750

View Breakdown

All Reversals

All Reversals

Cancelled Transactions

Cancelled Transactions

Cash Advances

Cash Advances

ATM Cash Withdrawals

ATM Cash Withdrawals

Quasi-Cash Transactions

Quasi-Cash Transactions

Money Transfers

Money Transfers

P2P Transfers

P2P Transfers

Wallet Loads

Wallet Loads

Gift Cards and Vouchers

Gift Cards and Vouchers

EMI Spends

EMI Spends

Bank Charges & Fees

Bank Charges & Fees

Late Payment Fees

Late Payment Fees

Processing Fees

Processing Fees

Financial Charges

Financial Charges

Interest Charges

Interest Charges

Payment Returned Charges

Payment Returned Charges

Service/Interest Charges

Service/Interest Charges

Transaction Charges

Transaction Charges

Education Spends

Education Spends

Fuel Spends

Fuel Spends

Fuel Surcharge

Fuel Surcharge

Toll Payments

Toll Payments

Gambling Transactions

Gambling Transactions

Lottery

Lottery

Online Skill-Based Gaming

Online Skill-Based Gaming

Government-related Transactions

Government-related Transactions

Utility Bill Payments

Utility Bill Payments

Telecom

Telecom

Taxes

Taxes

Insurance Payments

Insurance Payments

Jewellery Purchases

Jewellery Purchases

Forex Transactions

Forex Transactions

Cryptocurrency/Digital Asset Transactions

Cryptocurrency/Digital Asset Transactions

Rent Payment

Rent Payment

Railways

Railways

Transportation

Transportation

Business Services

Business Services

Contracted Services

Contracted Services

Collection Agencies

Collection Agencies

Security Broker Services

Security Broker Services

Charity

Charity

Donations

Donations

Antique Items

Antique Items

Load Money

Load Money

Liquid Assets

Liquid Assets

Outstanding Payments

Outstanding Payments

Voucher Purchases

Voucher Purchases

Miscellaneous

Miscellaneous

Donations to Religious Organizations

Donations to Religious Organizations

Donations to Political Organizations

Donations to Political Organizations

Smartpay

Smartpay

Smartbuy portal

Smartbuy portal

The smartest way to find your great credit card

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