Axis Bank Vistara Infinite Credit Card
MyRupaya Ratings
Product Details
Credit Card Name :
HSBC Taj Credit Card
Bank Name :
HSBC Bank
Type :
Premium Credit Card
Interest Rate :
3.75% per month 45% p.a.
Eligibility :
Primary cardholder should be between 18 to 70 years of age.
Minimum net income should be Rs. 6,00,000 per annum.
The applicant should be a Resident of India.
Pros
Welcome Benefit: As a welcome gift, users will receive a complimentary Business Class flight ticket and Club Vistara Gold membership.
Reward System: Users will earn 6 points for every INR 200 spent. Points can be redeemed for air tickets. The estimated value as per MyRupaya is INR 1.25 for each point. The effective cashback rate is 3.75%.
Milestone Benefit: Users can earn bonus CV points and up to 4 complimentary Business Class ticket vouchers on spending between 2,50,000 to 12,00,000.
Customers are also eligible for 2 complimentary domestic lounge access.
Purchase Protection Coverage up to Rs.1 lakh cover upto USD 300 for Loss of ravel documents, Delay of Check-In Baggage, Loss of Check-In Baggage.
6 complimentary rounds of Golf at selected locations.
Users will get up to 15% off on Trident properties.
Dining discounts per month with EazyDiner.
Cons
High annual fee.
Low cashback rate of 2.5%.'
High eligibility threshold of minimum annual income of INR 18 lakh.
Pros & Cons
Welcome Benefits
Users will get a complimentary Business Class flight ticket and Club Vistara Gold membership as a welcome gift.
Rewards System
Users will earn 6 points for every INR 200 spent. Points can be redeemed for air tickets. The estimated value as per MyRupaya is INR 1.25 for each point. The effective cashback rate is 3.75%.
International Forex Markup
1% of transaction amount (Refunded for fuel transactions between INR 400 and INR 4000).
Welcome Benefits and Reward System
Special Features
Complimentary Club Vistara Gold membership.
Eligibility Criteria
Primary cardholder should be between 18 to 70 years of age.
Minimum net income should be Rs. 6,00,000 per annum.
The applicant should be a Resident of India.
Benefits
Welcome gift.
Club Vistara Gold membership.
Dining discounts.
Shopping discounts.
Milestone benefits.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
You can apply for the Axis Bank Vistara Infinite Signature Credit Card online or offline. Here are the steps on how to apply online:
Go to the Axis Bank Credit Card website. Search for Vistara Infinite Credit Card.
Click on the "Apply Now" button.
Enter your personal details such as your name, email address, and mobile number.
Enter your income and employment details.
Upload a scanned copy of your PAN card and Aadhaar card.
Select the credit limit you want.
Click on the "Submit" button.
An Axis Bank representative will contact you to verify your details and complete the application process.
Contact Details
1866 419 5555 & 1860 500 5555
Account Opening and Procedure
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome Benefit: As a welcome gift, users will receive a complimentary Business Class flight ticket and Club Vistara Gold membership.
Reward System: Users will earn 6 points for every INR 200 spent. Points can be redeemed for air tickets. The estimated value as per MyRupaya is INR 1.25 for each point. The effective cashback rate is 3.75%.
Milestone Benefit: Users can earn bonus CV points and up to 4 complimentary Business Class ticket vouchers on spending between 2,50,000 to 12,00,000.
Customers are also eligible for 2 complimentary domestic lounge access.
Purchase Protection Coverage up to Rs.1 lakh cover upto USD 300 for Loss of ravel documents, Delay of Check-In Baggage, Loss of Check-In Baggage.
6 complimentary rounds of Golf at selected locations.
Users will get up to 15% off on Trident properties.
Dining discounts per month with EazyDiner.
High annual fee.
Low cashback rate of 2.5%.'
High eligibility threshold of minimum annual income of INR 18 lakh.
Axis Bank Vistara Infinite Credit Card is a great credit card for those individuals who love to travel. The best perk with it is free Vistara Gold membership which comes with its own universe of benefits such as free seat selection. However, the card has low cashback rate, which reduces its attraction for majority of middle class individuals.
Axis Bank Vistara Infinite
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining Fees: INR1500
Annual Fees - 2nd Year onwards: INR1500
Cash Withdrawal Fee from ATM - 2.5% (Min. INR 500) of the Cash Amount.
Late Payment Fee: charged depending on the customer’s Total amount due; ranges from INR 0 - 1200
Fuel Surcharge: 1% of transaction amount (Refunded for fuel transactions between INR 400 and INR 4000).
Interest Rate: 3.40% per month (49.36% per annum).
Reward Redemption fee : INR 49 for redemption of points upto 10,000 and INR 99 above that.
Fuel Surcharge
1% of transaction amount (Refunded completely for fuel transactions between INR 400 and INR 4000, no cap).
Billing Cycle
30 Days