M16S / Axis Bank / Axis Bank Vistara Infinite Credit Card
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Axis Bank Vistara Infinite Credit Card
The Axis Bank Vistara Infinite Credit Card costs Rs 10,000 a year. It earns 6 Maharaja Points per Rs 200 of eligible spend (issuer page). The forex markup is 3.5%. Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Rs 10,000+ GST
- Fee waived at
- —
- Base return
- —
- Forex markup
- 3.5%
- Interest
- 3.75%a month
What changed on this card
- Axis Vistara credit cards stop working for spends after 15 Dec 2026
Axis Bank says its Vistara credit cards will be discontinued for spends after 15 December 2026, after Vistara merged into Air India. Select holders are offered another Axis card in its place.
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 10,000 |
|---|---|
| Annual fee | Rs 10,000 |
| Fee notesunverified | MITC still lists Rs 10000 joining and annual. Aggregator reports annual charges waived from 18 Apr 2025 when renewal ticket vouchers were withdrawn. |
Rewards
| Welcome benefit | Not available to new applicants. Page still describes a complimentary Business Class ticket voucher on fee payment and on each renewal; aggregator reports renewal vouchers withdrawn from 18 Apr 2025. |
|---|---|
| Reward currency | Air India Maharaja Club points (formerly Club Vistara points) |
| Base earn | 6 Maharaja Points per Rs 200 of eligible spend (issuer page) |
| Spends that earn nothingunverified | Government and utility spends earn nothing since Jan 2024 (press report title); fuel |
| Milestone benefitsunverified | Issuer page still lists bonus Maharaja Club points and Business Class ticket vouchers at eligible spend of Rs 2.5 lakh, Rs 5 lakh, Rs 7.5 lakh and Rs 12 lakh (up to 4 Business Class vouchers). Aggregator reports milestone and renewal vouchers and complimentary tier membership removed from 18 Apr 2025, and the page carries a T&C-update notice for that date, so treat the vouchers as unconfirmed. |
| Reward notes | base_return_pct null: Maharaja Points have no fixed rupee value. No reward redemption fee (issuer page). Card stops accepting spends after 31 Oct 2026. |
Travel and perks
| Domestic lounge | 2 complimentary visits at select airports in India (Visa lounges), subject to spend criteria (page gives no period; catalog: per quarter) |
|---|---|
| Lounge conditions | Needs Rs 50,000 eligible spend in previous 3 calendar months (from 1 May 2024); waived in issuance month + next 3 months; guests paid |
| Forex markup | 3.5% |
| Fuel surcharge waiver | None (MITC lists Vistara cards among those with no fuel surcharge refund) |
| Other freebies | 6 complimentary golf rounds; Maharaja Club Gold membership on fee payment (from 1 Mar 2024 credited on predefined conditions); purchase protection up to Rs 1 lakh; cover up to USD 300 for loss of travel documents and delay/loss of check-in baggage; Extraordinary Weekends; Wednesday offers |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Closed to new applicants. Published criteria: Age 18-70; net income at least Rs 24 lakh a year; resident of India or NRI |
| Fine-print notes | Issuer product page (read 2026-10-12) states: 'The Axis Bank Vistara Credit Card will be discontinued for spends post 31 October 2026 following the merger of Vistara with Air India' and tells holders to apply for another Axis card. The card earns Maharaja Points until then. Page confirms 3.5% forex, 3.75% interest and the earn rate; fee cells are blank in the page text (MITC figures kept). Reward exclusions and the reported fee waiver since 18 Apr 2025 are not on the page. Conflicts resolved from issuer page read 2026-10-12: milestone/renewal vouchers: aggregator says removed from 18 Apr 2025 -> issuer page text read 2026-10-12 still lists the welcome/renewal ticket voucher and milestone ticket vouchers; unresolved, milestone_benefits kept unverified |
Questions
- What is the annual fee of the Axis Bank Vistara Infinite Credit Card?
- Rs 10,000 a year, before GST.
- Does the Axis Bank Vistara Infinite Credit Card give airport lounge access?
- Yes. In India: 2 complimentary visits at select airports in India (Visa lounges), subject to spend criteria (page gives no period; catalog: per quarter). Outside India: none listed. Conditions: Needs Rs 50,000 eligible spend in previous 3 calendar months (from 1 May 2024); waived in issuance month + next 3 months; guests paid
- What is the forex markup on the Axis Bank Vistara Infinite Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Axis Bank Vistara Infinite Credit Card?
- Government and utility spends earn nothing since Jan 2024 (press report title); fuel