Offer Truth
- Joining fee₹1,500
- Annual fee₹1,500
- Waiver thresholdNot listed
- Cap typenone
- Cap resetnone
- Last verified2026-02-16
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Axis • Visa
Axis Bank Vistara Credit Card (Platinum)
Earn 2 Maharaja Points per Rs 200 on eligible spends with travel-linked milestone ticket voucher benefits.
Reviewed by CardWise Editorial Team
Last Verified: 2/16/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹1500Renewal fee is currently waived for impacted cycles under Axis Vistara merger circular; terms are interim.
Base Reward1.0%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹-17Based on ₹4.8L annual spend
No Complimentary Lounge Access
This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.
Fee waiver & value estimator
Adjust your spend to see fee waiver eligibility and capped rewards.
Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600
Assumes base reward rate only.
Annual fee₹1,500
Renewal fee is currently waived for impacted cycles under Axis Vistara merger circular; terms are interim.
Net value₹2,100
Estimated savings per year.
Reward Rate Breakdown
Category-wise reward rates for this card
Upgrade Path
These are objective same-bank step-up options from the current rewards and lounge model.
Axis Bank Burgundy Private Credit Card
Annual fee: ₹0
Shared focus: Premium, Travel+20 more lounge visits in current datasetHigher top earn rate (5.0%)
View DetailsAxis Bank SELECT Credit Card
Annual fee: Free
Shared focus: Travel+20 more lounge visits in current datasetEstimated +₹2,511/yr value
View DetailsIndianOil Axis Bank Credit Card
Annual fee: ₹500
Shared focus: Rewards+20 more lounge visits in current datasetHigher top earn rate (4.0%)
View DetailsLounge match needs verification
Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.
Lounge Eligibility Checklist
Derived from card policy signals
Lounge Spend Tracker
Eligibility target met: NoTrack lounge eligibility for Axis Bank Vistara Credit Card (Platinum) using your current period spend.
₹0 spent₹1 target
Policy signal used: Up to 3 additional Economy ticket vouchers at milestone spends (Rs 1.25L, Rs 2.5L, Rs 6L)
Spend threshold
2 domestic airport lounge accesses per quarter, subject to spend criteria
Quarter / cycle rule
2 domestic airport lounge accesses per quarter, subject to spend criteria
Guest access
Guest access policy is not explicitly listed in current data.
Priority Pass
Priority Pass benefit is not listed for this card.
Lounge Locations
No airport-wise rows currently availableAirport-level lounge rows are not currently available for this card. We still show policy checklist details above.
Redemption Optimizer Unavailable
Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.
Decision Data Enrichment
Reused from validated provider snapshots with freshness gates and quality filters.
Exclusion risk: medium (56/100)Best redemption: Maharaja Club (Airline Transfer)Value band: ₹0.70-₹1.40/ptNearest offer expiry: 2026-02-20Forex fee: 3.50%Domains with data: 6
Earn Rule Matrix
Boosted, capped, and zero-reward categories in one table.
| Category / Merchant | Reward | Bucket |
|---|---|---|
| Fuel Base: 2 Maharaja Points (MPs) per ₹200 spent Note: Categories or merchants not listed below will earn base rewards | -- Points transferred last statement No rewards on this category | |
| Government Base: 2 Maharaja Points (MPs) per ₹200 spent Note: Categories or merchants not listed below will earn base rewards | -- Points transferred last statement No rewards on this category | |
| Insurance Base: 2 Maharaja Points (MPs) per ₹200 spent Note: Categories or merchants not listed below will earn base rewards | -- Points transferred last statement No rewards on this category | |
| Jewellery Base: 2 Maharaja Points (MPs) per ₹200 spent Note: Categories or merchants not listed below will earn base rewards | -- Points transferred last statement No rewards on this category | |
| Rent Base: 2 Maharaja Points (MPs) per ₹200 spent Note: Categories or merchants not listed below will earn base rewards | -- Points transferred last statement No rewards on this category | |
| Utilities Base: 2 Maharaja Points (MPs) per ₹200 spent Note: Categories or merchants not listed below will earn base rewards | -- Points transferred last statement No rewards on this category | |
| Wallets Base: 2 Maharaja Points (MPs) per ₹200 spent Note: Categories or merchants not listed below will earn base rewards | -- Points transferred last statement No rewards on this category |
Live Offers
Expiring offers are prioritized first, with details and terms.
ONEPLUS
Rs.1500 Discount
- Rs.1500 Discount on OnePlus Nord 5 (12GB+256GB)
- Minimum Amount value Rs.34990
Terms
- OnePlus Offers on Axis Bank 6th February – 20th February 2026
- Offer is applicable on Axis Bank Credit Cards as per above table. Offer is applicable only on EMI transactions.
- Offer applicable on select channels/ platforms only. Please check the eligibility on the website/app/store before purchase.
- Offer can be availed on maximum 1 transaction/Card/Channel/Category during the Offer Period
ONEPLUS
Rs.2000 Discount
- Rs.2000 Discount on OnePlus Pad Lite
- Minimum Amount value Rs.12490
Terms
- OnePlus Offers on Axis Bank 6th February – 20th February 2026
- Offer is applicable on Axis Bank Credit Cards as per above table. Offer is applicable only on EMI transactions.
- Offer applicable on select channels/ platforms only. Please check the eligibility on the website/app/store before purchase.
- Offer can be availed on maximum 1 transaction/Card/Channel/Category during the Offer Period
ONEPLUS
Rs.1000 Discount
- Rs.1500 Discount on OnePlus Nord 5 (12GB+256GB)
- Minimum Amount value Rs.34990
Terms
- OnePlus Offers on Axis Bank 6th February – 20th February 2026
- Offer is applicable on Axis Bank Credit Cards as per above table. Offer is applicable only on EMI transactions.
- Offer applicable on select channels/ platforms only. Please check the eligibility on the website/app/store before purchase.
- Offer can be availed on maximum 1 transaction/Card/Channel/Category during the Offer Period
AJIO.COM
Additional 8% discount
- Additional 8% discount on Ajio Luxe
- Minimum spend of Rs.10000
Terms
- For detailed understanding and learn about the brands part of this offer please click Brand List
- The offer can be used multiple times by a single user
- Offer details as shown are based on information provided by the Merchant. No warranties are made by Visa that the information is correct. Please check directly with Merchant to confirm the availability and validity of the Offer.
- Valid on Visa Card
AJIO.COM
Flat 4% off
- Flat 4% off on Ajio
Terms
- This is an AJIO Luxe GV/GC (Gift Voucher/Gift Card) issued by Pine Labs Limited, which is a company incorporated under the laws of India, and is authorised by the Reserve Bank of India ("RBI") to issue such Gift Cards. AJIO Luxe GV/GC is redeemable on luxe.AJIO.com.
- The holder of this GV/GC is deemed the beneficiary.
- This GV/GC is non-transferable, non-negotiable, non-refundable, and cannot be returned or redeemed for cash or credit.
- Expired GV/GCs cannot be revalidated.
AMAZON.IN
7.5% Instant Discount
- 7.5% Instant Discount on All other categories
- Minimum order value Rs.7500
Terms
- Offer is valid from 15th February to 21st February 2026.) (collectively "Offer Period"), unless revoked or extended by Amazon (in its sole discretion), without any prior notice and without any liability.
- This Offer will also be applicable on purchase of the Products by Cardholders under an exchange offer (if available on the Product(s).
- This Offer can be availed / clubbed with a no-cost equated monthly installment (EMI) promotion, if any, on the Product. In other words, if no-cost EMI promotion is being availed by the Cardholder on the Product, then the Cardholder will also be eligible for this Offer.
- In case there are multiple items in a purchase order, the item-wise savings/discount may vary. However, the overall savings/discount on the purchase order will be equivalent to maximum savings / discount the Cardholder is eligible for under this Offer.
ABHIBUS
Get 15% off
ABHIBUS
Get 5% Instant Discount
AGODA
Get up to 10% off
Redemption Paths
Transfer ratios, minimum transfer rules, and redemption value hints.
Redemption Value Explorer
Modeled using estimated value-band ranges from enrichment data.
Maharaja Club
Airline Transfer
- Use your Maharaja Club Points on your Air India account to redeem on Air India and Partner Airlines.
- Average economy class value per Air India point assumed ₹0.65.
Milestones
Spend thresholds and rewards grouped by period.
Milestone ROI Calculator
Estimate incremental value unlocked at the current spend model.
Activate your card
- Get a complimentary Economy Class ticket voucher
Spend ₹50K per statement year
- 1,000 Maharaja Points.
More details
- Valid only for the first year.
Spend ₹1.25L per statement year
- 1st Economy class ticket.
Spend ₹2.50L per statement year
- 2nd Economy class ticket.
Spend ₹6L per statement year
- 3rd Economy class ticket.
Benefits
Reusable perks and value-add benefits extracted from validated rows.
Eazydiner
15% off via Dining Delights Programe
- 15% off up to INR 500 on EazyDiner.|Minimum Order Value INR 2500
- Ongoing
How to avail: Select the restaurant to be paid on the EazyDiner app.|Enter the amount, and select the offer.|Discount will be applied and net payment will be required to be made.
Insurance
Purchase Protection Worth 1 Lakh
- Ongoing
- To claim this insurance, report the incident to Axis Bank Customer Care at 1860 419 5555 or 1860 500 5555, or email email.services@axisbank.com.
How to avail: To claim this insurance, report the incident to Axis Bank Customer Care at 1860 419 5555 or 1860 500 5555, or email email.services@axisbank.com.
Vouchers
1 Complimentary Economy Class Ticket voucher.
- Ongoing
- To avail this voucher, log in at https://axisbankaura.poshvine.com using your registered mobile number, enter the OTP sent to your phone, select your Vistara voucher from the available benefits, and redeem it online at www.airvistara.com.
How to avail: To avail this voucher, log in at https://axisbankaura.poshvine.com using your registered mobile number, enter the OTP sent to your phone, select your Vistara voucher from the available benefits, and redeem it online at www.airvistara.com.
Eazydiner
15% off via Dining Delights Programe
- 15% off up to INR 500 on EazyDiner.
- Minimum Order Value INR 2500
How to avail: Select the restaurant to be paid on the EazyDiner app.|Enter the amount, and select the offer.|Discount will be applied and net payment will be required to be made.
Charges
Key fee and charge rows for transparent comparison.
| Charge | Value |
|---|---|
| Joining Fee | ₹0 |
| Renewal Fee | ₹0 |
| Forex Fee | 3.5% |
| Annual Percentage Rate | 55.55% |
| Add-on Card Fee | ₹0 |
| DCC | 1.5% |
Key Benefits
- Complimentary Economy Class ticket voucher on fee payment (legacy/interim-program conditions apply)
- Up to 3 additional Economy ticket vouchers at milestone spends (Rs 1.25L, Rs 2.5L, Rs 6L)
- 2 domestic airport lounge accesses per quarter, subject to spend criteria
Things to Consider
- Benefit structure is under merger-era interim policy updates and may change again
- Some legacy voucher and tier benefits are suspended for renewal cycles under the updated circular
- Maharaja Point value realization depends on Air India redemption availability
About Axis Bank Vistara Credit Card (Platinum)
Axis Bank Vistara Credit Card (Platinum) is a miles card from Axis, best for users wanting a lower-fee axis co-branded maharaja points card for domestic travel patterns. It is tagged under travel, rewards, premium categories in our database.
TravelRewardsPremium
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Frequently asked questions
Is Axis Bank Vistara Credit Card (Platinum) lifetime free?
It has an annual fee of ₹1500. Renewal fee is currently waived for impacted cycles under Axis Vistara merger circular; terms are interim.
What rewards does Axis Bank Vistara Credit Card (Platinum) offer?
Earn 2 Maharaja Points per Rs 200 on eligible spends with travel-linked milestone ticket voucher benefits.
Does Axis Bank Vistara Credit Card (Platinum) include lounge access?
No complimentary lounge access is currently listed for this card.
Who should consider Axis Bank Vistara Credit Card (Platinum)?
Users wanting a lower-fee Axis co-branded Maharaja Points card for domestic travel patterns
Where can I apply for Axis Bank Vistara Credit Card (Platinum)?
Check the issuer website for application availability.
Sources & Verification
- Official Issuer Page:Direct Link
- Last Verified: 2026-02-16
- Data Method: Automated scraper + Manual audit
Key Terms
APR (Annual Percentage Rate)
The interest rate charged on unpaid dues if you don't pay your full bill by the due date.
Forex Markup
An additional fee charged for transactions made in foreign currency.
Lounge Access
Complimentary entry to airport lounges, often subject to spend milestones.
Milestone Benefits
Bonus rewards unlocked when you cross specific spending thresholds within a period.