Axis Bank Vistara Signature Credit Card is a premium card best suited for air travelers. It gives frequent travelers exclusive benefits like Free premium economy tickets, milestone benefits that can be redeemed to purchase flight tickets, Insurance benefits of up to 2.25 crores, Dining offers, 3000 Club Vistara points on activation of the card, and more. It has an annual fee of Rs 3000 along with a 3.47% interest rate with easy waiver conditions. Let’s have a look at the details given below.
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Best Suited For
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Required Documents for Identity Proof |
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Required Documents for Address Proof |
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Required Documents for Income Proof |
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Other Documents Required |
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Want to apply for the card online without any hassle? The best way to do so is by logging on to Investmentcover.com, an online marketplace for credit cards, loans, and other financial products. All you need to do is share a few details online before submitting your credit card application.
Investmentcover team will send your credit card application further to Axis Bank. The bank will first examine the details entered, the required documents, whether the applicant has good credit or not, and give the nod only when it is satisfied with the investigation.
Applicants with good credit have a greater chance of approval for their credit card application. If the credit card application is approved, one can then get their credit card delivered at the address provided and pay the annual fees after the first usage of the credit card.
Go through the steps below to start your credit card application and get your required credit card without any hassle:
Additionally, you can log on to the Axis Bank official website and apply online.
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Fees/Charges |
Amount |
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Joining Fee |
Rs 3000 |
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Annual Fee |
Rs 3000 |
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Add-on Fee |
Nil |
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Finance charges (Retail purchases & cash) |
2.95% per month (41.75% per year) |
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Cash withdrawal fees |
2.5% of the cash amount of Rs 500, whichever is higher |
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Cash Advance Limit |
40% of credit limit |
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Cash Payment fee |
Rs 100 |
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Card Replacement (lost or stolen or re-issue) |
Waived |
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Duplicate statement fee |
Waived |
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Over limit penalty |
3% of the overlimit amount (minimum Rs 500) |
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Charge slip request fee / Copy request fee |
Waived |
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Outstation cheque fee |
Waived |
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Cheque return or dishonor fee or Auto debit revival |
2% of the payment amount subject to a minimum of Rs 450 |
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Surcharge on purchase or cancellation of railway tickets |
As prescribed by IRCTC/Indian Railways |
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Fuel transaction charges |
1% of transaction amount |
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Foreign currency exchange fee |
3.5% of the transaction value |
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Mobile alerts for transactions |
Waived |
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Hotlisting charges |
Waived |
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Balance enquiry charges |
Waived |
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Statement Balance (in Rupees) |
Late Payment Charges (in Rupees) |
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Up to 100 |
Nil |
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101 – 300 |
100 |
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301 – 1000 |
300 |
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1001 – 5000 |
500 |
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5001 – 10,000 |
600 |
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Greater than 10,000 |
700 |
Axis Bank Vistara Signature Credit Card has its own unique and fast rewarding frequent-flyer system, the Club Vistara reward points, or CV reward points. Club Vistara (CV) points are reward points earned by members in their Club Vistara account for flying on any Vistara flight and/or with Club Vistara partners for use of their services. CV Points are earned based on the fare value of your ticket (base fare excluding taxes and fees). So, the higher the value of your ticket, the more CV points you earn. CV Points are valid for 36 months from the date of flight and can be redeemed towards flights and upgrades on the Vistara network and flights with Partner Airlines. The more reward points you gain, the greater your chances become to redeem the reward points for your spends.
Some of the benefits of CV reward points are:
Customers can also redeem reward points against their SBI credit card outstanding balance.
Club Vistara has Milestone Benefits for your Annual Spends. Axis Bank Vistara Signature Credit Card upgrades your benefits with every milestone you achieve. Get closer to your dream vacation by unlocking up to 4 tickets as Milestone Benefits.
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Annual Spends |
Milestone Benefits |
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Rs 75,000 |
3000 bonus CV points |
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Rs 1.5 lakhs |
1 premium economy class ticket |
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Rs 3 lakhs |
1 premium economy class ticket |
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Rs 4.5 lakhs |
1 premium economy class ticket |
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Rs 9 lakhs |
1 premium economy class ticket |
Club Vistara has 4 tiers: CV Base, CV Silver, CV Gold and CV Platinum. When you join the Vistara Club, i.e., get Axis Bank Vistara Signature Credit Card, you start at CV Base and keep moving up the tier as you keep flying with Vistara using your Axis Bank Vistara Signature Credit Card. As the tiers move up from Base to Platinum, customers get higher reward point earnings and access to exclusive privileges and benefits like Priority Services and Lounge Access. Here are the number of CV reward points you earn at each tier:
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Tier |
CV points per Rs 100 spent |
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CV Base |
8 |
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CV Silver |
9 |
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CV Gold |
10 |
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CV Platinum |
11 |
Apart from flying, users can also earn CV reward points through Club Vistara’s non-airline and airline partners and by participating in Club Vistara’s ongoing offers and promotions.
Note: When you fly with Vistara, make sure that you enter your CV ID at the time of booking or check-in as this will allow your CV reward points to be credited automatically to your CV account within 2 days. Your CV reward points will be valid for 3 years (36 months) from the date of your journey.
Club Vistara members also earn Tier Points each time they fly with Vistara Airlines. The value of these points is same as CV points. Tier points are calculated on the basis of fare value and the CV tier you are a part of. While CV points are redeemable, Tier points are non-redeemable and are only used for the purpose of tier evaluation.
Tier points help you determine your tier status and help you move to the Elite tiers. These tiers offer users higher reward points and access to extra privileges and benefits. So, higher the tier, higher the benefits.
To check your reward points gained from your Axis Bank Vistara Signature Credit Card:
Redeem Award Flights
Redeem Upgrade Awards
You can clear all your doubts and queries through Axis Bank's customer service. You can get access to the Axis Bank customer service executives through the Axis Bank helpline number, correspondence address or email id.
Customer Service Numbers: 1860-500-5555 or 1860-419-5555 is accessible from any landline or cell phones in India. +91 – 22-27648000 is accessible from outside India.
E-mail ID: axisbank.com/support
For LIC cards: 1800-233-1100
E-mail ID for LIC cards: liccards@axisbank.com
Grievance Redressal
To,
Mr. Ashok Ramakrishnan, Nodal Officer
Axis Bank Ltd., NPC1, 5th floor, “Gigaplex”, Plot No. I.T.5,
MIDC, Airoli Knowledge Park, Airoli, Navi Mumbai – 400 708
E-mail ID: nodal.officer@axisbank.com
Phone number: 91-22-71315288
Timings: 9:30am to 5:30pm (Monday to Friday) and 9:30am to 2:00pm (Saturday) Except banking holidays
The Insurance Covers mentioned below will be applicable depending on the card type variant. Kindly go through the welcome booklet for applicable insurance covers on the Axis bank credit card you choose.
Air Accident Cover: This insurance cover is only applicable only if the Axis bank credit card has been used at least 90 days before the incident and the air ticket is purchased on the Axis bank credit card. The cardholder’s nominee will not be entitled to any amount under the Air Accident Insurance Policy unless all the dues with the bank are settled.
Zero Lost Card Liability: This gives protection against fraudulent purchase transactions, covering 30 days prior to the reporting period from the moment the loss of card is reported to Axis Bank by the cardholder. It is mandatory to support this with a FIR. This insurance cover is not valid for ATM or PIN based transactions.
Purchase Protection: This cover provides protection against fire or burglary within 90 days of purchase made on the credit card and should mandatorily be supported by FIR. Gross negligence on the part of the cardholder leading to a loss will not be covered. This cover does not cover Jewelry and other perishable products.
Credit Shield: This covers outstanding up to a specific amount on the card in the event of an accidental death.
Delay in Check-in Baggage: This reimburses the cost of necessary items for basic needs in case of baggage delay of more than 6 hours while travelling overseas.
Loss of Check-in Baggage: This covers loss of baggage or damage in case of overseas travel.
Loss of Travel Documents: This covers costs incurred in procuring a passport, including the application fee for passport / other travel documents while travelling overseas.
Get the real-time status of your Axis Bank credit card by simply visiting the official Axis Bank website. You just need to put your credit card application reference number, date of birth etc. and follow a few simple steps and you are done with the credit card application status. You would get to know the status, whether the application is approved, pending for approval or rejected. You can even call the customer care or the Axis bank branch officials to check the status.
Now, the credit card application status can be anything from approval, pending for approval or even rejected. Do ask the reasons for your credit card application rejection if it has happened.
You can either call the branch officials or the customer care executives to know the reasons or you can write an e-mail to the customer care executives. If you can remove the discrepancy in your credit card application, do so and apply again to get an approval.
The credit limit will be determined by Axis Bank depending on the income, credit score, job or business stability along with other factors. So, to get a higher credit score limit, it’s important to have a decent income and have a good credit score well past 750. It is also important to have a stability in either your job or business. Add-on card members will have the same limit as the primary cardholder.
The credit limit and cash withdrawal limit will be communicated to the cardholder at the time of card delivery and in the monthly statements. The available credit limit at the time of the statement generation is provided as part of the monthly statement.
Existing cardholders can get good credit limit by asking Axis Bank to raise the credit limit by writing to the bank and providing financial documents declaring their income. After receiving the request of limit enhancement, Axis Bank will check the repayment pattern, employment, business details and the new income document provided before coming to a decision of whether it will raise the credit limit or not.
A good credit limit or a higher credit limit does not mean that you should spend an excessive amount which will be more than your ability to pay back on time. Over-spending and failure to make a payment by the due date can create a default-like situation in which the creditors might raise interest rates to the default (or penalty rate) or decrease the line of credit. In case of serious defaulting on a credit card, the bank can even take legal action to enforce payment.
This is not a situation anybody would want to be in as default is a serious credit card issue that affects not only your standing with the credit card issuer but also your credit standing in general and your ability to get approved for other credit-based services. The reasons are obvious, the credit score would come down, which could make it tricky to gain an easy approval to the credits you may apply in the future.
In addition, you would struggle to meet other financial liabilities that you may have to carry out on a monthly basis.
At the same time, don’t be too less on the utilization as that would make it hard to build a credit history for you and would interfere with your good credit score. So, you need to strike a balance between the annual spends to ensure a proper credit utilization ratio, translating into a good credit history and a non-default situation.
Axis Bank will send you a monthly statement if there is any transaction or outstanding of more than Rs 100. The statement will be sent to your mailing address/e-mail address provided by you while applying for the card. You would still be liable to pay your outstanding even in case of non-receipt of a statement.
Axis bank will debit the card account for all the debits received and credit the card account for all payments made by you to the bank.
The bank may offer you a revolving credit facility where you can choose to pay only the Minimum Amount Due (MAD) as written on the statement. The Total Amount Due (TAD) or MAD should be paid on or before the due date which is also written on the statement.
Non-payment of the Minimum Amount Due will render you liable to the risk of withdrawal or suspension (temporarily or permanently) of your Axis bank credit card.
Payments made to your card will be allocated in the order of:
The reward points earned on a transaction will be reversed if EMI facility is availed on that transaction.
Bill payment towards the card account with clearing the Turnaround Time (TAT) may be made in any of the following ways:
1. Axis Bank Internet Banking: Pay your Axis bank credit card bills online through Axis Bank Internet Banking from your Axis Bank Savings account by following the given steps:
2. Axis Bank Mobile Banking: SMS “MBANK” to 5676782 to receive the download link and follow the below steps for Axis bank credit card mobile payments:
3. Pay at ATMs: Pay your Axis bank credit card bills using your Axis Bank ATM/Debit card at any Axis Bank ATM by following the given steps:
Turnaround Time (TAT) for clearance is done on the same day.
4. Auto Debit: You can apply for the Auto Debit facility from your Axis bank savings/current account to pay the Total Amount Due or Minimum Amount Due by following the given steps:
5. Non-Axis Bank Account: You can pay your Axis Bank credit card bill through the bill desk website. Click here to get redirected to the bill-paying site and follow the steps:
6. Cash payment: Pay your Axis Bank credit card bill via cash by visiting your nearest Axis Bank Branch. You will be charged a service fee of Rs 100 per payment.
Turnaround Time (TAT) for clearance is done on the same day.
7. Cheque/Draft payment: Pay your Axis Bank credit card bill via cheque/draft by choosing the amount to be paid, drawing the cheque/draft in favor of “Axis Bank Card Number (16-digit credit card number)” and dropping the cheque at any Axis Bank Branch. You can also drop the cheques in any of the MINC bill boxes in Mumbai.
Be aware of the fact that:
Turnaround Time (TAT) for clearance of Axis Bank cheque: 1 working day
Turnaround Time (TAT) for clearance of Non-Axis Bank cheque: 3-5 working days based on the realization
8. National Electronic Funds Transfer (NEFT): You can pay your Axis bank credit card bills online from any other bank account through the NEFT facility by following the below steps:
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Beneficiary Name |
Name as on the Credit Card |
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Beneficiary Bank Name |
Axis Bank |
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Beneficiary Branch Name |
Mumbai |
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Beneficiary Account Number |
Your 16-digit Credit Card number |
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IFSC Code |
UTIB0000400 |
Turnaround Time (TAT) for NEFT clearing: 1 working day
9. Immediate Payment Service (IMPS): You can pay your credit card bill on the go through your bank’s mobile application with IMPS by following the given steps:
Turnaround Time (TAT) for clearance is on the same day.
10. Visa Money Transfer: You can use your Net Banking facility or your Visa Debit card to make your Axis Bank credit card payment via the Visa Money Transfer. Contact your bank’s Customer Service to know more about it.
Turnaround Time (TAT) for clearance: 2 working days
You may terminate your Axis Bank Vistara Credit Card membership any time you wish with or without giving prior notice by returning your cards to the bank cut in half with a written request to terminate all the facilities and benefits associated with the card. You are also required to mention your card number, name, address, and contact details in your cancellation letter. But do not mention sensitive information like your card’s CVV number and PIN number.
You can cancel the use of add-on cards by notifying the bank in writing, but you will remain liable for all the charges incurred by the use of the add-on cards. Termination will be effective only after the receipt of the cut cards and payment of all amounts outstanding to the card account. No annual, joining or renewal fees shall be refunded on a pro-rata basis.
Upon cancellation of the card you:
For credit cards issued on Fixed Deposits, the lien on the Fixed Deposit can be removed only after the entire outstanding on the card are cleared.
In case a loan is active on the credit card, it will be pre-closed and for which you will have to pay a pre-closure charge at 3% of the outstanding amount. The entire dues including the pre-closure charges are to be cleared.
You must notify the bank immediately on phone if your credit card has been misplaced, lost, stolen, mutilated, not received when due or if you suspect that your card is being used without your permission.
In case of misuse of the credit card, the bank’s liability will be limited to the amount covered under Lost Card Liability.
You will be liable for all charges incurred on the card in case of an unsigned card.
In addition to notifying the Axis Bank about the loss or theft of the card, you must also report the loss or theft of your card to the police, lodge a FIR and provide acknowledged copy of the police complaint.
You will be liable for all losses in case of misuse of the card by someone who obtained the PIN or the card with your or an additional card member’s consent.
You will be liable for all the losses if you have acted fraudulently or if you have acted without reasonable care.
You shall not use the recovered card and instead send it to the bank after cutting it into two halves through the magnetic stripe.