Axis Vistara Signature Credit Card Review (2026)
Originally the ultimate Vistara card. 9x on Air India flights, free Business class ticket at 10L spend, and solid lounge access. Post-merger, confirm benefit continuity with Axis.
Last updated: 2026-03-20· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹5,000 |
| Joining Fee | ₹5,000 |
| Income Required | ₹15L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: Club Vistara (CV) Points
Milestone Benefits
One complimentary Premium Economy Vistara ticket on spending 5L
One complimentary Business class Vistara ticket on spending 10L
Lounge Access
Our Review
If the regular Vistara card is for casual flyers, the Signature is for serious Air India loyalists. The Business class ticket at 10L spend is the standout benefit — a Delhi-Mumbai Business class ticket is worth 25-40K, making the 5,000 annual fee irrelevant if you hit the milestone. The Vistara Gold status (now transitioning to Air India Flying Returns Gold) gives you priority check-in, boarding, extra baggage, and lounge access even without the card's Priority Pass. Important: Vistara merged into Air India in late 2024. Axis has indicated benefits will transition to the Air India programme, but the exact terms are still being finalised. Check with Axis for the latest before applying or renewing. The math works if you fly Air India 10+ times a year. For everyone else, the Axis Magnus (12x on everything) or HDFC Regalia (4x + better redemption) offers more flexible value.
Pros & Cons
Pros
- + 9x CV Points on Vistara bookings — the highest Vistara earn rate
- + Free Business class ticket at 10L spend — worth 20-40K
- + 8 domestic + 4 international lounge visits
- + Complimentary Vistara Gold membership (priority check-in, extra baggage)
Cons
- - 5,000 annual fee with no waiver option
- - 3x base rate is average for a super-premium card
- - Value heavily depends on Vistara/Air India flying frequency
- - Vistara merged into Air India in late 2024 — CV Points and Gold status are transitioning to Flying Returns. Verify current benefits before applying.
Best For
Frequently Asked Questions
Is the Axis Vistara Signature Credit Card worth it in 2026?
It depends on your spending. The Axis Vistara Signature Credit Card costs ₹5,000/year. With an effective base return of 1.0%, you'd need to spend approximately ₹4.8L 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 Signature Credit Card annual fee?
The Axis Vistara Signature Credit Card has an annual fee of ₹5,000. Joining fee is also ₹5,000.
What is the minimum salary required for Axis Vistara Signature Credit Card?
The minimum annual income required for the Axis Vistara Signature Credit Card is ₹15L. 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.