Axis

Axis Vistara Platinum Credit Card

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This is an invite only card

Apply and get ₹425 Rewards

Top Benefits

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Enjoy 2 Complimentary Domestic Airport Lounge

access on spending ₹50,000 in the previous 3 calendar months

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Earn 2 Maharaja Points for Every ₹200

spent redeemable for upgrades and award flights via Air India Maharaja Club

Best For

Shopping

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Online Food Ordering

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Travel

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The Axis Vistara Platinum Credit Card is built around one strong promise: a complimentary economy class...

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The Axis Vistara Platinum Credit Card is built around one strong promise: a complimentary economy class ticket on card issuance that more than recovers the joining fee. Following the Vistara and Air India merger, this card now earns Maharaja Points on every spend, redeemable for flight upgrades and award flights through the Air India Maharaja Club. For a salaried professional who flies once or twice a year, that single welcome benefit can pay back ₹3,000 to ₹6,000 in real ticket value, instantly justifying the ₹1,500 fee.

What sets this card apart from generic travel cards is the airline-specific currency. You earn 2 Maharaja Points for every ₹200 spent, and these points carry meaningful redemption value when used for award flights or premium cabin upgrades, well above their indicative ₹0.25 per point catalogue value. Add 2 complimentary domestic airport lounge visits a year (with a modest ₹50,000 spend trigger), Wednesday Delight offers across MakeMyTrip, Goibibo, Swiggy, Amazon Fresh, and Tira, plus dining and travel insurance benefits, and you get a focused mid-tier travel card with real utility for the right user.

The Axis Vistara Platinum Credit Card is positioned for salaried professionals earning ₹50,000 a month or more, who fly Air India occasionally on domestic or international routes. It is not the right fit for someone who flies multiple airlines and wants flexibility (the Axis Atlas is better), or for a non-traveller who simply wants cashback on retail spends.

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Commonly Asked Questions

Who is the Axis Vistara Platinum Credit Card best suited for?

The Axis Vistara Platinum Credit Card is best for salaried professionals between 25 and 45 who fly Air India once or twice a year on domestic routes and value the complimentary economy ticket and Maharaja Points. If your annual card spend is ₹2.5 lakh to ₹5 lakh and at least one Air India trip is on the cards, the math works in your favour.

Does the Axis Vistara Platinum Credit Card still exist after the Vistara-Air India merger?

Yes, the card continues to be offered by Axis Bank. Following the November 2024 merger of Vistara into Air India, reward earnings transitioned to Maharaja Points under the Air India Maharaja Club programme. Existing Club Vistara points were also transferred to Maharaja Points at a 1:1 ratio.

What is the welcome benefit on this card?

You get 1 complimentary economy class ticket on Air India on card issuance. The ticket is valued at roughly ₹3,000 to ₹6,000 depending on route and booking window, which more than offsets the ₹1,500 joining fee. The voucher is delivered through the Air India Maharaja Club portal linked to your card.

How many reward points do I earn per ₹100 on this card?

You earn 2 Maharaja Points for every ₹200 spent, which works out to 1 Maharaja Point per ₹100. Each Maharaja Point has an indicative catalogue value of ₹0.25, but the real-world value can be 2x to 4x higher when redeemed for premium cabin upgrades or award flights through the Air India Maharaja Club.

Expert Review

Joining / Annual Fee

Joining Fees

1,770 ( ₹1500 + GST )

logo1 complimentary economy class ticket on card issuance

Annual Fees

1,770 ( ₹1500 + GST )

logoNot Applicable

The Axis Vistara Platinum Credit Card carries a joining fee of ₹1,500 and an annual fee of ₹1,500. Both...

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The Axis Vistara Platinum Credit Card carries a joining fee of ₹1,500 and an annual fee of ₹1,500. Both amounts are exclusive of GST, so the actual debit on your statement is ₹1,770 each, including 18% GST.

The joining fee of ₹1,500 is partly offset by the welcome benefit. You receive 1 complimentary economy class ticket on Air India domestic routes, which has a cash equivalent of ₹3,000 to ₹6,000 depending on the route and timing. So the welcome benefit alone returns 2x to 4x the joining fee in net value, making the first year a clean win for any user who can use the ticket.

The annual fee of ₹1,500 is non-waivable, as per the bank's policy. This is a key distinction from cashback and rewards cards in similar fee brackets, which often offer a spend-based waiver. So plan around the assumption that you will pay ₹1,500 plus GST every year.

This non-waivable structure makes sense only if you actively use the card for travel and benefit from the Maharaja Points, lounge access, Wednesday Delight offers, and dining discounts. For a moderate user spending ₹35,000 to ₹40,000 a month, the annual returns from these benefits comfortably exceed the ₹1,500 fee, but for a passive holder, the fee is a sunk cost.

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Commonly Asked Questions

What is the joining fee of the Axis Vistara Platinum Credit Card?

The joining fee is ₹1,500 plus 18% GST, bringing the total debit on your first statement to ₹1,770. The fee is partly offset by the complimentary economy ticket worth ₹3,000 to ₹6,000.

What is the annual fee on this card?

The annual fee is ₹1,500 plus 18% GST (₹1,770 total), charged on the first card anniversary and every renewal year thereafter. The annual fee is non-waivable on this card.

Is the annual fee waiver based on annual spending?

No, the annual fee on this card is non-waivable. Unlike cashback and rewards cards that waive fees on hitting a spend threshold, the Axis Vistara Platinum Credit Card charges the ₹1,500 annual fee every renewal year regardless of your spending.

Why is the annual fee non-waivable on this card?

The non-waivable structure is in line with airline co-branded card design, where the loyalty programme membership and ongoing perks (like the Maharaja Club enrolment) are bundled into the annual fee. The expectation is that active users extract more than the fee value through Maharaja Points and travel benefits.

What spends count towards the milestone benefits?

While the annual fee is not waivable, milestone benefits on Wednesday Delight, lounge access (₹50,000 quarterly spend trigger), and Maharaja Points accrual are all tracked on eligible retail spends. Excluded categories like fuel, EMI, wallet loads, rent, government payments, insurance, and utility bills do not contribute to these triggers.

Can I get this card as a lifetime free option?

The Axis Vistara Platinum Credit Card carries a fixed ₹1,500 joining and annual fee structure with no published lifetime free variant. Promotional discounts on the joining fee may be available through specific channels and salary account bundles.

Are the joining and annual fees refundable?

The joining fee is not refundable once charged. The annual fee is also non-refundable on this card since it is non-waivable. So plan your usage to extract value from the benefits before each renewal cycle.

Is GST charged on the joining and annual fees?

Yes, 18% GST is added on top of both the ₹1,500 joining fee and the ₹1,500 annual fee. So the actual amount that hits your statement is ₹1,770 each, inclusive of taxes.

Eligibility

Age
Criteria*

18-70 years

Salary
Criteria*

6LPA

Credit
Rating*

720+

New to credit
allowed

No

Existing Bank
Customer Allowed

Yes

The Axis Vistara Platinum Credit Card has a moderately premium eligibility profile aligned with its mid...

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The Axis Vistara Platinum Credit Card has a moderately premium eligibility profile aligned with its mid-tier travel positioning. Unlike entry-level cashback cards, the income threshold here sits at ₹50,000 a month or ₹6 lakh annually, which positions the card for mid-career professionals rather than first-jobbers.

The age window is 21 to 65 years for salaried applicants and 25 to 60 years for self-employed applicants. The minimum monthly income is ₹50,000, with an annual income of ₹6 lakh required for both salaried and self-employed applicants. A CRIF or CIBIL score of 720 or higher is preferred.

To frame this simply: a salaried professional earning ₹50,000 a month qualifies, which most mid-level corporate roles in metro cities meet. Self-employed applicants with two years of clean ITR filings showing ₹6 lakh annual income are also strong candidates. The 720 credit score is friendlier than the 750 threshold demanded by premium travel cards like the Axis Atlas or HDFC Diners Club Privilege.

NRIs are not in the eligibility pool for this card. Both new-to-Axis-Bank applicants and existing customers can apply.

CriterionSalariedSelf Employed
Minimum Age21 years25 years
Maximum Age65 years60 years
Minimum Monthly Income₹50,000₹50,000 equivalent
Minimum Annual Income₹6 lakh₹6 lakh
CIBIL / CRIF Score720+720+
ResidencyIndian ResidentIndian Resident
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Commonly Asked Questions

What is the minimum salary required for the Axis Vistara Platinum Credit Card?

The minimum monthly salary required is ₹50,000, with an indicative annual income of ₹6 lakh for salaried applicants. Self-employed applicants need ITR-backed annual income of at least ₹6 lakh for approval.

What is the minimum age for this card?

The minimum age is 21 years for salaried applicants and 25 years for self-employed applicants. The maximum age is 65 years for salaried and 60 years for self-employed applicants.

What CIBIL score do I need for this card?

A credit score of 720 or higher gives you a strong approval chance. Applicants with scores between 700 and 720 may still be approved with conservative credit limits, especially if income is well above the minimum bar and employment history is steady.

Can self-employed people apply for this card?

Yes, self-employed individuals are eligible, but the age window is narrower (25 to 60 years). The bank looks at the latest two years of ITR and bank statements to assess income stability. A net annual income of ₹6 lakh is the working benchmark for approval.

Do I need to be an Air India Maharaja Club member to apply?

No, you do not need an existing Maharaja Club membership to apply. The card automatically enrols you into the Maharaja Club programme during issuance, with your card-linked membership number generated and shared.

Do I need to be an Axis Bank account holder to apply?

No, you do not need an existing Axis Bank account to apply for this card. Both new-to-Axis-Bank customers and existing customers can apply through the website or app, although having an Axis Bank salary account can speed up KYC and approvals.

Is there an add-on card option?

Yes, Axis Bank lets you issue add-on cards for immediate family members on the Axis Vistara Platinum Credit Card. The add-on card shares the credit limit and reward earnings of the primary card, but lounge benefits and the welcome ticket are restricted to the primary cardholder.

What documents are required during the application?

Salaried applicants need a PAN card, Aadhaar card, latest 3 months of salary slips, latest 6 months of bank statements, and a passport-size photograph. Self-employed applicants additionally provide their business proof, GST registration, and last 2 years of ITR.

See if you are eligible for this card

Pin Code*

Monthly In Hand Income*

Income Type*

Salaried
Self Employed

All Card Benefits

  • Earn 2 Maharaja Points for every ₹200 spent, redeemable for flight upgrades and award flights via Air India Maharaja Club
  • 2 Complimentary Domestic Airport Lounge Accesses at select airports within India
  • Wednesday Delight offers every Wednesday on Partner Platforms

The Axis Vistara Platinum Credit Card delivers value across five clear pillars: a strong welcome ticket...

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The Axis Vistara Platinum Credit Card delivers value across five clear pillars: a strong welcome ticket benefit, Maharaja Points reward earning, domestic airport lounge access, Wednesday Delight offers, and travel insurance protection. Below is a breakdown of each so you can map the perks against your actual usage.

Welcome Benefits

The headline welcome benefit is 1 complimentary economy class ticket issued on card activation, redeemable on Air India domestic flights. This is the strongest first-year value driver on the card. A typical economy class one-way fare on busy domestic routes (Delhi to Mumbai, Bangalore to Chennai, Hyderabad to Goa) sits between ₹3,500 and ₹6,000 depending on the season and how far in advance you book.

So if you redeem the welcome ticket on a route worth ₹5,000, you have already pocketed ₹3,500 in net value over and above the ₹1,500 joining fee. Two trips a year (using the welcome ticket plus paid spend) effectively turn this into a low-cost travel card with airline-specific perks.

Pay attention to the redemption window and blackout dates. The complimentary ticket is valid for 12 months from the date of issuance, with restrictions on peak travel dates (Diwali, Christmas, summer holidays). Plan your redemption around shoulder season to extract maximum dollar value.

Maharaja Points Reward Structure

The Axis Vistara Platinum Credit Card now earns rewards in the Air India Maharaja Club currency. You earn 2 Maharaja Points for every ₹200 spent on eligible transactions, which translates to 1 point per ₹100 or a base earn rate of 0.25% to 0.5% depending on how you redeem.

To put that in real numbers: a monthly spend of ₹40,000 on the card earns 400 Maharaja Points. Over a year, that is 4,800 points. At the catalogue redemption rate of ₹0.25 per point, that is ₹1,200 in straightforward redemption value. However, if you redeem those same 4,800 points for a Mumbai to Delhi economy award flight (which can cost 5,000 to 8,000 points one-way during shoulder season), the effective per-point value jumps to ₹0.80 to ₹1.50, lifting the rupee return to ₹3,800 to ₹7,200 in ticket value.

Maharaja Points are most valuable when used for premium cabin upgrades. A short-haul business class upgrade can cost 8,000 to 15,000 points, and on a route where economy is ₹6,000 and business is ₹15,000, you essentially extract ₹9,000 in value from points that would have been worth ₹2,000 to ₹3,750 in catalogue redemptions. So the rule is simple: bank the points for flight redemptions, not merchandise.

Excluded categories that earn zero Maharaja Points: rent payment, fuel spends, insurance payments, EMI spends, ATM cash withdrawals, government-related transactions, wallet loads, bank charges and fees, all reversals, gambling transactions, toll payments, security broker services, charity, and utility bill payments.

Domestic Airport Lounge Access

The card offers 2 complimentary domestic airport lounge accesses per year at select participating lounges across major Indian airports. The lounge benefit comes with a spend-based eligibility condition: you must spend ₹50,000 or more in the previous 3 calendar months to unlock access for the next visit.

For newly issued cards, Axis Bank waives the minimum spend criteria for the month of issuance and the following 3 calendar months. So the first lounge visit is unconditional within that early window, which gives you a comfortable runway to start using the benefit before any spending threshold kicks in.

Practically, a ₹50,000 quarterly spend works out to roughly ₹16,500 a month, which is realistic for most active cardholders. If a paid lounge visit costs ₹1,000 to ₹1,500, two such visits a year add up to ₹2,000 to ₹3,000 in saved value, which alone covers more than the entire annual fee.

Wednesday Delight Offers

The card runs a strong Wednesday Delight programme that bundles discounts across travel, food delivery, groceries, and beauty. Each Wednesday, cardholders unlock the following:

Save up to 15% instantly on flights and hotels via Goibibo and MakeMyTrip on Wednesdays. So a ₹15,000 flight booking on a Wednesday can attract up to ₹2,250 in instant discount, depending on the active campaign cap.

Get 10% off on Swiggy and Amazon Fresh orders every Wednesday. A typical ₹1,000 grocery order saves ₹100 each Wednesday, translating to roughly ₹400 to ₹500 a month or ₹5,200 a year if you order weekly.

Get 10% off on Tira purchases up to ₹1,000 every Wednesday. For beauty enthusiasts, a ₹10,000 Tira haul on a Wednesday returns the full ₹1,000 cap.

The Wednesday Delight stack alone can deliver ₹5,000 to ₹15,000 in annual savings if you concentrate eligible spends on Wednesdays. Combined with the welcome ticket and Maharaja Points, the card's effective value comfortably exceeds the ₹1,500 fee.

Dining Benefits

The Axis Vistara Platinum Credit Card layers two dining benefits. First, you get 15% off at partner restaurants under the Axis Bank EazyDiner programme, with a maximum discount of ₹500 per visit. The benefit is valid once per card per month, so it pairs well with planned dine-out moments rather than impulse meals.

Second, the Wednesday 10% off on Swiggy and Amazon Fresh extends the dining stack to food delivery and grocery orders. Two restaurant visits at ₹3,500 each a year save ₹1,000 through EazyDiner, plus weekly Swiggy orders save another ₹4,000 to ₹5,000 annually. The dining stack alone can return ₹5,000 to ₹6,000 a year.

Travel Insurance Protection

The Axis Vistara Platinum Credit Card includes built-in travel and purchase protection benefits. The cover layer includes purchase protection up to ₹1,00,000 (which protects against accidental damage or theft of items bought on the card), travel-related coverage of up to USD 300 for loss of travel documents, coverage for delay of check-in baggage, and coverage for loss of check-in baggage during transit.

Practical example: if your check-in baggage is delayed by 4 hours on an Air India flight, the travel insurance reimburses essential purchase costs (clothes, toiletries) up to a defined limit. If you lose your passport during international travel, the loss-of-documents cover up to USD 300 helps offset the cost of replacement and consular fees.

These benefits do not eliminate the need for standalone travel insurance on long international trips, but for short business trips and domestic travel, they provide a meaningful safety net at no additional cost.

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Commonly Asked Questions

How do I claim my complimentary economy ticket?

The complimentary economy ticket voucher is delivered through the Air India Maharaja Club portal linked to your card account. Log in to the Maharaja Club website using your registered email, navigate to the vouchers section, and apply the voucher during flight booking on Air India.

Are there blackout dates on the welcome ticket?

Yes, the complimentary ticket carries blackout dates around peak travel periods (Diwali, Christmas, year-end holidays, summer school break). Plan to use the voucher during shoulder season (February to May or August to October) to avoid restrictions and get better seat availability.

What is the validity of the welcome ticket?

The complimentary economy ticket is valid for 12 months from the date of card issuance. Plan your travel within this window since the voucher cannot be carried forward or extended after expiry.

Can I use the welcome ticket on international routes?

The complimentary ticket is for Air India domestic economy travel. International routes and premium cabin classes are not covered under this welcome benefit. For international travel, you would redeem accumulated Maharaja Points instead.

What is the rupee value of one Maharaja Point?

One Maharaja Point has an indicative catalogue value of ₹0.25, but the real-world value can be 2x to 4x higher when redeemed for award flights or premium cabin upgrades. So a 4,800-point bank can be worth ₹1,200 in catalogue items or ₹3,800 to ₹7,200 in flight value.

How do I link my Maharaja Club account to this card?

If you already have an Air India Maharaja Club membership number, you can link it to your Axis Vistara Platinum Credit Card during application or through the Axis Mobile app under Card Services. Points earned on the card automatically credit to the linked Maharaja Club account.

Do Maharaja Points expire?

Maharaja Points have a validity period as set by the Air India Maharaja Club programme rules. Active members who redeem or earn points periodically retain validity, while dormant accounts may see point expiry as per the programme's inactivity rules. Track your account on the Maharaja Club portal at least once a year.

Where can I redeem Maharaja Points?

Maharaja Points can be redeemed for Air India award flights, premium cabin upgrades, and partner airline bookings through the Air India Maharaja Club portal at airindia.com. Points can also be redeemed against the Maharaja Club catalogue for products and gift vouchers, although the per-point value drops in catalogue redemptions.

Can I redeem points for cash?

Maharaja Points cannot be redeemed for direct cash transfer to a bank account. The most efficient redemption is for Air India flight bookings, especially on routes you would have paid for anyway. This converts the points into avoided cash outflow, which is functionally the same as cash savings.

Do excluded category spends earn any rewards?

No, transactions in the excluded list (rent, fuel, insurance, EMI, ATM withdrawals, government payments, wallet loads, utility bills, education, gambling, charity, toll payments) earn zero Maharaja Points on this card. Route those spends through UPI or auto-debit since the credit card adds no value on those categories.

What is the easiest way to maximise Maharaja Points on this card?

Concentrate your shopping, dining, travel, and online spends on this card and avoid swiping for fuel, rent, utilities, insurance, education, and government payments since those categories earn nothing. A focused user spending ₹40,000 a month in eligible categories earns roughly 4,800 Maharaja Points a year, which can buy a domestic award flight on Air India.

Are reward points capped on this card?

The Axis Vistara Platinum Credit Card does not impose a hard monthly cap on its base 2 Maharaja Points per ₹200 reward earning. So heavy spenders keep accruing at the same rate.

How many lounge visits do I get on this card?

You get 2 complimentary domestic airport lounge accesses per year at select participating lounges across major Indian airports. The benefit is for the primary cardholder only, with add-on cardholders not covered.

What is the spend condition for the lounge benefit?

You need to spend at least ₹50,000 in the previous 3 calendar months to activate the lounge access for the upcoming visit. New cardholders enjoy a waiver on this condition for the issuance month and the next 3 calendar months.

Is international lounge access available on this card?

No, the Axis Vistara Platinum Credit Card offers only domestic airport lounge access. International lounge access is not part of this card and is reserved for premium tier cards like the Axis Atlas, Magnus, or Reserve.

Which lounges accept this card?

The card grants access to a curated list of select domestic lounges at major Indian airports under the Visa lounge programme. The exact lounge list is updated by Axis Bank periodically and can be checked on the EDGE Rewards portal or directly at the lounge before swiping.

How does the MakeMyTrip and Goibibo Wednesday offer work?

Book a flight or hotel on MakeMyTrip or Goibibo on any Wednesday and pay with the Axis Vistara Platinum Credit Card to get up to 15% instant discount at checkout. The maximum discount cap is set by the active monthly campaign and is published on the offer page.

Is the Swiggy and Amazon Fresh discount automatic?

Yes, the 10% Wednesday discount on Swiggy and Amazon Fresh is auto-applied at checkout when you pay with this card. No coupon codes are needed, although the offer is capped per order as per the campaign terms.

Can I combine the Wednesday discount with reward points?

Yes, you apply the Wednesday discount at checkout and still earn the standard 2 Maharaja Points per ₹200 on the final billed amount. So a ₹15,000 flight booking discounted to ₹12,750 still earns roughly 127 Maharaja Points on top of the ₹2,250 instant savings.

Are there other partner platforms with Wednesday offers?

Yes, alongside MakeMyTrip, Goibibo, Swiggy, Amazon Fresh, and Tira, the Wednesday Delight programme periodically runs offers across other partners. Check the Axis Bank offers page each Wednesday to see the active list of partner discounts.

How does the EazyDiner offer work?

You enrol on the Axis Bank EazyDiner platform through the EazyDiner app or website, then pay your restaurant bill using the Axis Vistara Platinum Credit Card at any partner outlet to get 15% off, capped at ₹500 per visit. So a ₹3,500 bill triggers the maximum ₹500 discount.

Is the EazyDiner benefit a monthly cap?

Yes, the EazyDiner 15% discount on this card is valid once per card per month. So you can save up to ₹500 a month, or ₹6,000 a year if you visit a partner restaurant every month.

Are food delivery apps covered?

The EazyDiner programme covers dine-in transactions at partner restaurants, not food delivery. For food delivery savings, use the Wednesday 10% off Swiggy benefit, which is automatic at checkout when you pay with this card on Wednesdays.

Do I earn Maharaja Points on dining transactions?

Yes, dining is an eligible category and you earn the standard 2 Maharaja Points per ₹200 spent. So a ₹2,500 restaurant bill earns 25 Maharaja Points on top of the EazyDiner discount.

What does the purchase protection cover?

Purchase protection on this card covers accidental damage or theft of items bought using the card, up to ₹1,00,000 per claim. The cover is for a defined period (90 days from purchase), and standard exclusions apply (consumable goods, perishable items).

How do I claim travel insurance benefits?

Travel insurance claims are filed through the Axis Bank insurance partner, with documentation submitted online or via the Axis Mobile app. Required documents include the FIR copy (for theft), boarding pass, baggage delay or loss certificate from the airline, and original purchase receipts.

What is the loss of travel documents cover?

The card covers loss of travel documents (passport, visa) up to USD 300 during international travel. The cover reimburses costs incurred in obtaining duplicates, including consular and embassy fees.

Are there exclusions on the insurance benefits?

Yes, standard travel insurance exclusions apply, including incidents resulting from intoxication, illegal activity, war, civil unrest, and pre-existing conditions. Read the policy document on the Axis Bank insurance partner page for full terms.

Milestone Benefits

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0 reward points(Worth ~ ₹0)

Spend ₹1,25,000 in 365 days

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0 reward points(Worth ~ ₹0)

Spend ₹2,50,000 in 365 days

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0 reward points(Worth ~ ₹0)

Spend ₹6,00,000 in 365 days

How to Redeem Rewards & Cashback?

Rewards Conversion Rate

1 Reward Point = ₹0.25

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Redemption Options

  • Air India Maharaja Club: Flights and Upgrades
  • Air India/Club Vistara Membership Portal

     

To check redemption catalogue

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Maharaja Points earned on the Axis Vistara Platinum Credit Card are redeemed through the Air India Maha...

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Maharaja Points earned on the Axis Vistara Platinum Credit Card are redeemed through the Air India Maharaja Club portal at airindia.com. The redemption flow is fully digital and the per-point value depends on what you redeem against.

Step 1: Log in to the Air India Maharaja Club portal using your registered email and Maharaja Club membership number. Step 2: Navigate to the Redeem section and choose your category (award flights, premium cabin upgrades, partner airlines, or catalogue items). Step 3: Select your flight or item, confirm with the OTP sent to your registered mobile, and the redemption is processed.

The most efficient redemption is for award flights on Air India, where 1 Maharaja Point delivers ₹0.80 to ₹1.50 in ticket value depending on route and travel date. Premium cabin upgrades on long-haul flights deliver even higher per-point value, often ₹1.50 to ₹2.50 per point. Catalogue redemptions for products and gift vouchers cap out at the ₹0.25 per point indicative value, so save those for last resort.

To put redemption value in real numbers: an active cardholder spending ₹40,000 a month accumulates roughly 4,800 Maharaja Points over a year. Redeemed for a domestic award flight on Air India during shoulder season, those points can cover a Mumbai to Delhi or Bangalore to Chennai economy ticket worth ₹4,000 to ₹7,000.

Note that Axis Bank charges a reward redemption handling fee of ₹99 plus GST per redemption request when converting EDGE points to other formats (gift vouchers, merchandise). Direct Maharaja Points redemption through the Air India portal does not carry an Axis Bank-side fee, although Air India's own redemption fees and taxes apply on award flights as standard.

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Commonly Asked Questions

How do I redeem Maharaja Points?

Log in to airindia.com using your Maharaja Club membership credentials, navigate to the Redeem section, choose award flights or upgrades, select your booking, confirm with OTP, and the redemption is processed. Booking confirmation reaches you within minutes for flight redemptions.

Is there a minimum point balance for redemption?

The minimum point balance for award flight redemption depends on the route. Domestic short-haul flights start at around 5,000 to 8,000 points one-way, while long-haul international economy redemptions begin at 25,000 to 50,000 points. Catalogue items have lower thresholds (around 500 points and above).

What is the rupee value of one Maharaja Point?

One Maharaja Point has an indicative catalogue value of ₹0.25, but the real-world value when redeemed for award flights or premium cabin upgrades can rise to ₹0.80 to ₹2.50 per point. So redeem for flights, not catalogue items, to extract maximum value.

Is there a fee for reward redemption?

Direct redemption of Maharaja Points for Air India award flights does not carry an Axis Bank-side fee, although Air India's own redemption taxes and fees apply as per programme rules. Conversion of any EDGE points to other formats attracts a ₹99 plus GST handling fee.

How long do Maharaja Points stay valid?

Maharaja Points carry validity periods set by the Air India Maharaja Club programme. Active members who earn or redeem periodically retain validity, while dormant accounts may see point expiry. Track your account on the Maharaja Club portal annually.

Can I transfer Maharaja Points to other airline programmes?

Maharaja Points can be redeemed for partner airline bookings through the Air India Maharaja Club portal at the conversion ratios published by Air India. Direct transfer of points to third-party frequent flyer programmes (like Singapore KrisFlyer or Etihad Guest) is governed by Maharaja Club partnership terms.

Gift card - Key Terms

Once you apply, we will start tracking your application

Generally takes 2-72 hrs

Once the bank confirms us of your successful card activation, we will process your rewards

Generally takes 7-75 days

You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards

Generally takes 7-75 days

Note: If you currently hold or have ever held an Axis Credit Card, you are not eligible for CashKaro Rewards.

Rewards Related

  • If you currently hold or have ever held an Axis Credit Card, you are not eligible for Gift Card
  • A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
  • Please use Aadhaar linked mobile number to fill the application
  • If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
  • VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards

Also, Remember

  • Resume your application only via Great.Cards to avoid losing Rewards
  • If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
  • Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

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Rent Payment

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Fuel Spends

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Insurance Payments

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EMI Spends

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ATM Cash Withdrawals

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Government-related Transactions

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Wallet Loads

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Utility Bill Payments

While the Axis Vistara Platinum Credit Card earns Maharaja Points across most retail categories, severa...

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While the Axis Vistara Platinum Credit Card earns Maharaja Points across most retail categories, several spending categories are excluded from the rewards programme. Understanding this list upfront avoids the disappointment of zero points on what feels like a normal swipe.

The excluded categories on this card are: rent payment, fuel spends, insurance payments, EMI spends, ATM cash withdrawals, government-related transactions, wallet loads, bank charges and fees, all reversals, gambling transactions, toll payments, security broker services, charity, and utility bill payments.

Real-world impact: if your monthly spending is ₹50,000 and ₹15,000 of it goes to rent, utilities, insurance, and fuel, you lose out on 75 Maharaja Points every month, or 900 a year. Over and above the lost points, those spends do not count towards milestone or lounge eligibility triggers either.

What happens when a transaction falls under an excluded category? The transaction goes through normally, you get charged the regular billing, and you simply do not earn Maharaja Points on that amount. Some categories also attract additional convenience fees (rent payment, wallet loads), which is another reason to route them through UPI or direct net banking.

The card does not impose a hard monthly cap on its base 2 Maharaja Points per ₹200 reward earning, which is one of its quiet wins. So heavy spenders keep accruing at the same flat rate without hitting category caps.

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Commonly Asked Questions

Do I earn Maharaja Points on rent payments?

No, rent payments are excluded from the Maharaja Points programme on the Axis Vistara Platinum Credit Card. Plus, this card charges 1% rent payment convenience fee, so paying rent through this card costs you both lost points and an extra fee.

Are utility bills eligible for Maharaja Points?

No, utility bill payments (electricity, water, broadband, mobile postpaid) are excluded from Maharaja Points earning on this card. Use UPI or auto-debit for utility bills since you save on convenience fees and do not lose any reward value.

Do EMI conversions earn Maharaja Points?

No, when you convert a transaction to EMI, the Maharaja Points portion is reversed. The original purchase may have earned points at the time of the swipe, but the bank reverses them once the EMI conversion is processed.

Why are insurance payments excluded?

Insurance premiums are excluded because the bank earns a much lower interchange fee on insurance MCC categories. The same logic applies to government payments, utility bills, and education fees, where merchant categories carry low interchange rates.

Are wallet top-ups excluded from rewards?

Yes, loading money into Paytm, PhonePe, MobiKwik, or other wallets does not earn Maharaja Points on the Axis Vistara Platinum Credit Card. The exclusion prevents point farming through wallet recycling.

What happens if I make a refund or transaction reversal?

All reversals are excluded from Maharaja Points earning. So if a transaction earns points and is later refunded, the bank reverses the original points credit. Net Maharaja Points balance reflects only retained, non-reversed spends.

Bank Fee Structure

StructureDetails
Forex Markups

3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency.
Examples (3.5%):
₹100 → ₹3.5
₹1,000 → ₹35
₹10,000 → ₹350
₹1,00,000 → ₹3,500

3.50%
APR Fees

3.75% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases.

3.75%
ATM withdrawal

2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500.

2.50%
Reward Redemption Fees

No fee is charged when redeeming reward points on this card.

Not Applicable
Link for all T&Cs
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Railway Surcharge

Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges.

As prescribed by IRCTC / Indian Railways
Rent Payment Fees

A surcharge fee of 1% applies on rental transactions made using the credit card

1%
cheque Payment Fees

A fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal.

2%
Cash Payment Fees

A fee of ₹175 is charged for payments made by depositing cash at a bank branch or ATM.

₹175
Late Payment FeesAmount Due
₹0 - ₹500 ₹0
₹501 - ₹5,000 ₹500
₹5,001 - ₹10,000 ₹750
Above ₹10,000 ₹1,200

The Axis Vistara Platinum Credit Card sits in the standard fee bracket for Indian mid-tier travel cards...

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The Axis Vistara Platinum Credit Card sits in the standard fee bracket for Indian mid-tier travel cards. None of the fees are unusual for the segment, but a few are worth understanding before you swipe. Here is a fee-by-fee breakdown with practical rupee examples so you know exactly what to expect on your statement.

Joining Fee: The joining fee is ₹1,500 plus 18% GST (₹1,770 total), debited on the first statement after card issuance. The fee is offset by the complimentary economy class ticket on Air India worth ₹3,000 to ₹6,000, so the net first-year cost is meaningfully negative for any user who can use the ticket.

Annual or Renewal Fee: The annual fee is ₹1,500 plus 18% GST (₹1,770 total), billed on each card anniversary. The annual fee is non-waivable on this card, so plan for the renewal cost every year. Practical example: if your annual card spend is ₹4 lakh and you use the lounge access, dining benefit, and Wednesday Delight offers consistently, the ongoing benefit value comfortably crosses ₹6,000 to ₹10,000, which still leaves you net positive after the ₹1,770 fee.

APR or Interest Rate: The APR is 3.75% per month (about 45% annualised) on rolled-over balances. Credit cards offer an interest-free period of 20 to 55 days, but missing your due date triggers interest from the original transaction date. Practical example: carrying an unpaid balance of ₹10,000 for one month accrues roughly ₹375 in interest. To avoid heavy interest, convert large purchases to EMIs (where standard rates are around 16% per annum) instead of paying just the minimum due. Failing to pay even the EMI on time can push the effective annual interest closer to 45%.

Late Payment Charges: Late payment fees follow a slab-based structure. ₹0 for outstanding up to ₹500, ₹500 for ₹501 to ₹5,000, ₹750 for ₹5,001 to ₹10,000, and ₹1,200 for outstanding above ₹10,000. Practical example: missing the minimum due on an outstanding of ₹7,500 attracts a ₹750 late fee. Late payment charges apply if the Minimum Amount Due is not paid by the due date.

Foreign Transaction or Forex Markup Fee: The forex markup is 3.50% on every transaction made in a non-INR currency. This applies to both international POS swipes and online purchases billed in foreign currency. Practical example: a USD 100 hotel deposit abroad (roughly ₹8,300 at current INR rates) attracts a forex markup of ₹290.50, plus 18% GST on the markup. So international swipes inflate your bill by 4% to 4.2% after taxes.

ATM Cash Withdrawal Fee: ATM cash withdrawal on the credit card attracts a fee of 2.50% of the withdrawn amount, with a minimum charge of ₹500 where applicable. On top of this, interest at 3.75% per month starts accruing from the day of withdrawal, with no interest-free grace period. Practical example: withdrawing ₹10,000 in cash on the credit card costs ₹500 in cash advance fee plus ₹375 in monthly interest, so even one month of unpaid balance costs ₹875 on a ₹10,000 withdrawal. Avoid cash withdrawals on credit cards.

Rent Payment Convenience Fee: The card charges a 1% convenience fee on rent payment transactions, plus applicable GST and platform-side charges. Practical example: paying ₹40,000 in rent through this card costs ₹400 in convenience fee plus ₹72 GST, totalling ₹472 in extra charges. Combined with the fact that rent payments earn zero Maharaja Points, paying rent through this card is not worthwhile. Use UPI or direct net banking instead.

Railway Surcharge: Railway booking and cancellation charges on this card are levied as prescribed by IRCTC or Indian Railways. The standard IRCTC convenience fee for credit card payments is around ₹30 per booking, which is consistent across most cards.

Cash Payment Fee: Paying your credit card bill in cash at an Axis Bank branch costs ₹175 plus GST per transaction, totalling ₹207. Practical example: paying a ₹30,000 bill in cash adds ₹207 to your cost. Use UPI, NEFT, or auto-debit instead since they are free and instant.

Cheque Payment Fee: Bill payment by cheque attracts a fee of ₹500 plus GST per transaction (₹590 total). Cheque payments also take 2 to 3 working days to clear, so if your due date is close, the late payment risk is high.

Reward Redemption Fee: A reward redemption handling fee of ₹99 plus GST is charged per redemption request when converting EDGE rewards to gift vouchers, merchandise, or partner programmes. Direct Maharaja Points redemption through the Air India portal does not carry an Axis Bank-side fee.

Below is a consolidated summary of all fees on the Axis Vistara Platinum Credit Card. Amounts are exclusive of GST unless explicitly stated.

Fee TypeAmount
Joining Fee₹1,500 (offset by complimentary economy ticket)
Annual Fee₹1,500 (non-waivable)
APR (Monthly Interest)3.75% per month
Late Payment Fee₹0 to ₹1,200 (slab based)
Forex Markup3.50%
ATM Cash Withdrawal Fee2.50% of withdrawn amount (min ₹500)
Rent Payment Convenience Fee1% of transaction amount
Railway SurchargeAs prescribed by IRCTC or Indian Railways
Cash Payment Fee₹175 plus taxes
Cheque Payment Fee₹500 plus taxes
Reward Redemption Fee₹99 per redemption (plus GST)
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Commonly Asked Questions

What is the interest rate on the Axis Vistara Platinum Credit Card?

The monthly interest rate is 3.75%, which works out to approximately 45% annualised on rolled-over balances. Pay your bill in full every month to avoid this charge.

How much is the late payment charge?

Late payment fees range from ₹0 (for outstanding up to ₹500) to ₹1,200 (for outstanding above ₹10,000), based on the slab of your unpaid amount. Late payment charges apply if the Minimum Amount Due is not paid by the due date.

What is the forex markup on this card?

The forex markup is 3.50% on all non-INR transactions, plus 18% GST on the markup itself. So a ₹10,000 international purchase attracts ₹350 in markup plus ₹63 in GST. This card is not ideal as a primary travel card for overseas use.

Is there a rent payment fee on this card?

Yes, rent payment transactions attract a 1% convenience fee plus GST. So a ₹40,000 rent payment costs ₹472 in fees, on top of the fact that rent earns zero Maharaja Points. Pay rent through UPI or auto-debit instead.

Is there a fee for ATM withdrawals?

Yes, ATM withdrawals on this credit card attract a 2.50% cash advance fee (minimum ₹500), plus 3.75% monthly interest from the day of withdrawal. Cash withdrawal on credit cards is one of the most expensive financial moves and should be avoided.

Are there charges for paying my bill in cash or cheque?

Yes, paying your bill in cash at an Axis Bank branch costs ₹175 plus GST per transaction, and cheque payments cost ₹500 plus GST. Use UPI, NEFT, RTGS, or auto-debit instead since they are free and instant.

Is the annual fee waiver available on this card?

No, the annual fee on this card is non-waivable. Unlike cashback and rewards cards that waive fees on hitting a spend threshold, the Axis Vistara Platinum charges the ₹1,500 annual fee every renewal year regardless of your spending.

Why is there a ₹99 reward redemption fee?

The ₹99 fee applies only to non-airline redemption requests, like converting any earned EDGE points to gift vouchers, merchandise, or partner programmes. Direct Maharaja Points redemption for Air India award flights or upgrades through the Air India portal does not carry an Axis Bank-side fee.

Are there any over-limit charges?

Yes, transactions that exceed your assigned credit limit attract over-limit fees. Axis Bank charges 2.5% of the over-limit amount, subject to a minimum charge of ₹500. Track your available limit on the Axis Mobile app to avoid this.

What happens if I pay only the minimum amount due?

Paying only the minimum amount due (5% of the outstanding) avoids the late payment fee, but interest at 3.75% per month starts accruing on your remaining balance from the original transaction date. So minimum payment is a short-term fix, not a long-term plan.

Can I get an EMI conversion on big-ticket purchases?

Yes, Axis Bank offers EMI conversion on transactions of ₹2,500 and above, with tenures from 3 to 24 months. EMI interest rates start at around 16% per annum, significantly cheaper than the 45% APR on rolled-over balances.

Is GST charged on credit card fees?

Yes, 18% GST is charged on all credit card fees and charges, including the joining fee, annual fee, late payment fee, forex markup, and cash advance fee. Factor this into your math when calculating the actual cost of any fee on your statement.

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Documents Required

Axis Bank requires a standard set of KYC and income proof documents during the Axis Vistara Platinum Credit Card application. Keep digital copies ready before you start the application to make the process smooth.

Required documents for salaried applicants: PAN card, Aadhaar card, latest 3 months of salary slips, latest 6 months of bank statements showing salary credits, and a passport-size photograph. Fresh hires can substitute their appointment letter for missing salary slips.

Required documents for self-employed applicants: PAN card, Aadhaar card, latest 2 years of ITR, latest 6 months of business bank statements, GST registration certificate (where applicable), and proof of business existence (like a partnership deed, Udyam certificate, or business registration document).

NRIs are not eligible for the standard Axis Vistara Platinum Credit Card. Address proof can be the Aadhaar card itself, or alternative documents like a passport, voter ID, driving licence, or a recent utility bill (not older than 3 months).

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Commonly Asked Questions

Is a PAN card mandatory for the Axis Vistara Platinum Credit Card?

Yes, PAN card is mandatory for all Indian credit card applications since it is needed for KYC, credit bureau pulls, and tax reporting. Applications without PAN are not processed.

Can I apply without a salary slip?

Salaried applicants need to submit salary slips. Fresh hires without 3 months of salary slips can submit their appointment letter and recent bank statements showing salary credits as alternatives.

Do I need to submit a photograph during the application?

For online applications with Video KYC, the system captures your photograph during the KYC video call, so a separate photograph upload is not needed. Offline applications at branches require one passport-size photograph.

What address proof is accepted?

Aadhaar card is the most widely accepted address proof. Other accepted documents include passport, voter ID, driving licence, utility bills not older than 3 months, and registered rent agreements.

Can I use a digital Aadhaar for application?

Yes, Axis Bank accepts digitally signed Aadhaar (e-Aadhaar) downloads from the UIDAI portal. The bank verifies the QR code on the digital Aadhaar during KYC, so a physical copy is not needed.

How long are the bank statement requirements?

Axis Bank requires the latest 6 months of bank statements for salaried applicants, showing regular salary credits. Self-employed applicants need 6 months of business bank statements plus 2 years of ITR.

Credit Limit and What to Expect

Axis Bank sets the credit limit on the Axis Vistara Platinum Credit Card individually for each applicant, based on your income, credit bureau profile, existing obligations, and overall banking relationship. There is no fixed published number.

For a salaried applicant earning ₹50,000 to ₹75,000 a month, the starting credit limit sits between ₹1 lakh and ₹2.5 lakh. Higher income brackets (₹1 lakh plus monthly) often see opening limits between ₹3 lakh and ₹5 lakh. Self-employed applicants with strong ITR-backed income and good CIBIL scores fall into similar ranges.

Axis Bank reviews card usage every 6 to 12 months and offers limit enhancements if the card has been used consistently with timely payments. Limit enhancement is also offered on request with supporting income proof (a recent salary hike or revised ITR).

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Commonly Asked Questions

What is the starting credit limit on this card?

For a salaried applicant earning ₹50,000 to ₹75,000 a month, the typical opening credit limit ranges from ₹1 lakh to ₹2.5 lakh. Limits scale upwards based on declared income, CIBIL score, and existing relationship with Axis Bank.

How can I increase my credit limit?

You can request a limit enhancement after 6 to 12 months of consistent card usage and timely payments. Submit your latest 3 months of salary slips or revised ITR through the Axis Mobile app or net banking.

Will using the full credit limit hurt my credit score?

Using more than 30% of your credit limit consistently can lower your CIBIL score, even if you pay the bill in full. So if your limit is ₹2 lakh, try to keep your monthly statement balance under ₹60,000 to maintain a healthy credit utilisation ratio.

Can I get a temporary credit limit increase?

Yes, Axis Bank offers temporary credit limit increases for short-term, large-ticket spends (like booking a vacation, electronics, or premium flight tickets). Request this through customer care or the app, valid for 30 to 90 days.

What is the cash withdrawal limit on this card?

The cash withdrawal limit is set at 20% to 40% of your total credit limit. So a ₹2 lakh credit limit allows cash withdrawals between ₹40,000 and ₹80,000, although ATM withdrawals carry a 2.50% fee plus 3.75% monthly interest, making them an expensive option.

How often does Axis Bank review credit limits?

Axis Bank conducts a portfolio review every 6 to 12 months and offers automatic limit enhancements to qualifying cardholders. Manual reviews can also be requested with updated income proof at any time after 6 months of card activity.

How to Apply?

The application process for the Axis Vistara Platinum Credit Card is largely digital and most salaried applicants get a decision within 24 to 72 hours. Physical card delivery takes 5 to 10 working days from the approval date.

The fastest route is online. Visit the Axis Bank credit card website, select the Axis Vistara Platinum Credit Card, and click Apply Now. Fill in your personal details (name, mobile, PAN, date of birth, employment type, monthly income, current city), upload soft copies of your KYC documents, and complete a Video KYC if you are not already an Axis Bank customer.

The offline route involves visiting an Axis Bank branch with physical document copies. This is rarely needed unless you are an existing Axis Bank customer and prefer in-person service for your application.

Once submitted, Axis Bank runs a credit bureau pull, verifies your KYC, and either issues a digital approval or asks for additional documents. After approval, the physical card is shipped to your registered address along with a welcome kit containing the complimentary ticket voucher details and a separate PIN mailer.

Track your application status online using the Axis Bank credit card status portal with your application reference number, registered mobile number, and date of birth.

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Commonly Asked Questions

How do I apply for the Axis Vistara Platinum Credit Card online?

Go to the Axis Bank website, navigate to Credit Cards, select Axis Vistara Platinum, click Apply Now, fill the form with your details, upload your KYC documents, and complete Video KYC. The whole process takes 15 to 20 minutes if your documents are ready.

How long does it take to get the card after applying?

Approval is granted within 24 to 72 hours of a complete application. The physical card is delivered within 5 to 10 working days from approval, and the PIN arrives separately within another 3 to 5 working days.

Is Video KYC mandatory?

Video KYC is required for new-to-bank customers. Existing Axis Bank account holders with completed KYC can skip Video KYC since the bank uses their existing records.

Can I track my application status online?

Yes, Axis Bank provides an online application tracker on its credit card website. Enter your application reference number along with your registered mobile and date of birth to view real-time status updates.

What happens if my application is rejected?

If your application is declined, Axis Bank notifies you by SMS or email. Common reasons include a low CIBIL score, recent missed payments on existing loans, or insufficient income proof. You can reapply after 90 days once the underlying issue is resolved.

Will applying for this card affect my credit score?

The bank does a hard pull on your credit bureau report during application, which can dip your CIBIL score by 5 to 10 points temporarily. Once the card is active and you make timely payments for 3 to 6 months, your score recovers and benefits from the additional credit line.

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Top Benefits

Apply and get ₹425 Rewards

Top Benefits

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Enjoy 2 Complimentary Domestic Airport Lounge

access on spending ₹50,000 in the previous 3 calendar months

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Earn 2 Maharaja Points for Every ₹200

spent redeemable for upgrades and award flights via Air India Maharaja Club

The smartest way to find your great credit card

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