Axis Vistara Credit Card Review (2026)
Originally built for Vistara loyalists. 6x on Air India flights, a free ticket at 5L spend, and direct CV Point earning. Post-merger, verify current benefits with Axis before applying.
Last updated: 2026-03-19· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹3,000 |
| Joining Fee | ₹3,000 |
| Income Required | ₹9L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: Club Vistara (CV) Points
Milestone Benefits
One complimentary Economy class Vistara ticket on spending 5L
Lounge Access
Our Review
The Axis Vistara card's value proposition hinges entirely on how often you fly Air India (Vistara merged into Air India in late 2024). The complimentary flight at 5L spend is the headline benefit — depending on the route, that ticket could be worth 5-15K, which alone can justify the 3,000 annual fee. The 6x on flight bookings stacks nicely with the milestone benefit. The key concern: CV Points are transitioning to Air India's Flying Returns programme. While Axis has stated benefits will continue, the long-term redemption structure is still being finalised. We recommend checking with Axis and Air India for the latest status before applying. If you fly domestically 6+ times a year on Air India, this card can still deliver real value. If you fly less or spread across airlines, you're better off with a general travel card like the Regalia.
Pros & Cons
Pros
- + 6x CV Points on Air India/Vistara bookings — best for Vistara loyalists
- + Complimentary Vistara flight at 5L annual spend
- + CV Points directly usable for Vistara flights — no transfer needed
- + 4x on dining is a solid accelerated category
Cons
- - No fee waiver — you pay 3,000 every year
- - 2x base rate is mediocre for a 3,000 fee card
- - Only 4 domestic lounge visits, no international
- - Vistara merged into Air India in late 2024 — CV Points are transitioning to Air India's Flying Returns programme. Benefit continuity and redemption options remain uncertain.
Best For
Frequently Asked Questions
Is the Axis Vistara Credit Card worth it in 2026?
It depends on your spending. The Axis Vistara Credit Card costs ₹3,000/year. With an effective base return of 0.7%, you'd need to spend approximately ₹4.3L per year just to break even on the fee. If your annual spend exceeds that, the card earns you money.
What is the Axis Vistara Credit Card annual fee?
The Axis Vistara Credit Card has an annual fee of ₹3,000. Joining fee is also ₹3,000.
What is the minimum salary required for Axis Vistara Credit Card?
The minimum annual income required for the Axis Vistara Credit Card is ₹9L. However, if you have an existing banking relationship with Axis Bank, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on Axis Bank's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.