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Axis Bank
Axis Vistara Signature
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🇮🇳 India · Axis Bank

Axis Vistara Signature

Domestic flyers (Vistara was acquired by Air India — points convert).

4.2 / 5
Joining fee
₹3,000
Annual fee
₹3,000
Top reward
5%
Min income
₹600,000

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5-year value calculator

How much Axis Vistara Signature actually pays you over time, net of annual fees.

50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards15,600
Annual fee3,000
Fee waiver triggers at 750,000 annual spend. You're currently at 600,000. Bump monthly spend to 62,500 to clear it.
Cumulative net value
+63,000
over 5 years
Year 1
12,600
+12,600/yr
Year 2
25,200
+12,600/yr
Year 3
37,800
+12,600/yr
Year 4
50,400
+12,600/yr
Year 5
63,000
+12,600/yr
Year 1 (with bonus)
12,600
Year 2+ (steady state)
12,600/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

travel
5%
📈
Everything else
1%
📈
🎁
Welcome bonus

Vistara Premium Economy ticket on joining

What you get

  • 5 CV points per ₹200 on travel
  • Premium Economy class ticket on joining
  • Premium Economy class ticket on ₹4.5L spend
  • 8 domestic lounge visits/year
  • Club Vistara Silver tier on joining

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income
₹600,000
Min credit score
750+
Self-employed
Eligible
Points value

What 1 Axis Vistara Signature point is actually worth

Same points, wildly different values depending on redemption. Most cardholders default to the boring option and never see the upside. Here's the full ladder for Axis Vistara Signature:

Air Vistara award redemption (direct)
Best

2.00/point

Direct CV redemption for Vistara flights. Domestic sweet spots ~₹2-3/point.

Vistara upgrade vouchers

1.50/point

Premium Economy/Business upgrades on Vistara routes.

Sweet spots & gotchas

  • Post Vistara-AI merger: monitor CV → AI Miles conversion ratio.