Axis Vistara Signature vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Axis Vistara Signature wins 4-2. Domestic flyers (Vistara was acquired by Air India, points convert). Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | Axis Vistara Signature | Kotak White |
|---|---|---|
| Annual fee | = ₹3,000 | = ₹3,000 |
| Joining fee | = ₹3,000 | = ₹3,000 |
| Top reward rate | 5% (travel) | · Milestone |
| Base reward rate | 1% | · Milestone |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Vistara Premium Economy ticket on joining | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | · ₹750,000 / yr | ₹500,000 / yr |
| Min income | ₹600,000 | · ₹2,500,000 |
| Min credit score | 750 | · N/A |
| Editorial rating | · 4.2/5 | 4.3/5 |
Benefits compared
Axis Vistara Signature
- 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
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›Axis Vistara Signature vs Kotak White: which is better?
Axis Vistara Signature wins on more dimensions (4 vs 2). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Axis Vistara Signature for its best categories, Kotak White for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Axis Vistara Signature: Vistara Premium Economy ticket on joining. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.