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Side-by-Side Comparison|Updated March 2026

Axis Bank Kwik Credit Card vs Axis Bank Vistara Infinite Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Kwik Credit Card

7.2/10
Annual FeeFree
Base Rewards0.04000000000000001%
NetworkRuPay
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Axis Bank

Axis Bank Vistara Infinite Credit Card

9/10
Annual Fee₹10,000
Base Rewards3%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Kwik Credit CardAxis Bank Vistara Infinite Credit Card
Annual FeeFree₹10,000
Joining FeeFree₹10,000
Fee Waiver SpendN/AN/A
Base Reward Rate0.04000000000000001%3%
Reward CurrencyEDGE Reward PointsMaharaja Club Points
NetworkRuPayVisa
Editor Rating7.2/109/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Kwik Credit Card

  • 0% on Scan & Pay via Kiwi

Axis Bank Vistara Infinite Credit Card

  • 0% on Vistara/Air India Bookings

Pros & Cons

Axis Bank Kwik Credit Card

Pros

  • Lifetime free card with zero joining and annual fees
  • Seamless UPI integration via the RuPay network and Kiwi app
  • Instant virtual card issuance upon approval
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000

Cons

  • No airport lounge access or travel-specific perks
  • Low base reward rate of 0.2% (2 EDGE points per ₹200)
  • No rewards on UPI transactions below ₹2,000

Axis Bank Vistara Infinite Credit Card

Pros

  • Complimentary Business Class ticket voucher on joining and every renewal.
  • Complimentary Maharaja Club Gold membership for the first year with priority perks.
  • Highly rewarding milestone program offering up to 4 additional Business Class tickets.
  • 6 Maharaja Club points for every ₹200 spent on all eligible categories.

Cons

  • High annual fee of ₹10,000 with no spend-based waiver option.
  • Domestic lounge access requires a minimum spend of ₹50,000 in the previous 3 months.
  • Extensive list of excluded categories for rewards including fuel, utilities, and insurance.

Our Verdict

Axis Bank Vistara Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Kwik Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Kwik Credit Card if

Ideal for users who prefer UPI for small to medium merchant payments and want a virtual-first experience.

Choose Axis Bank Vistara Infinite Credit Card if

The card provides immediate value through Business Class vouchers and Gold tier status on Air India/Vistara.

Frequently Asked Questions

Which is better: Axis Bank Kwik Credit Card or Axis Bank Vistara Infinite Credit Card?
Axis Bank Vistara Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Kwik Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Kwik Credit Card and Axis Bank Vistara Infinite Credit Card?
Axis Bank Kwik Credit Card has no annual fee, while Axis Bank Vistara Infinite Credit Card has an annual fee of ₹10,000.
Which card has better rewards: Axis Bank Kwik Credit Card or Axis Bank Vistara Infinite Credit Card?
Axis Bank Kwik Credit Card offers a base reward rate of 0.04000000000000001% with accelerated rewards on Scan & Pay via Kiwi. Axis Bank Vistara Infinite Credit Card offers 3% base rewards with bonuses on Vistara/Air India Bookings. The better choice depends on your primary spending categories.
Can I have both Axis Bank Kwik Credit Card and Axis Bank Vistara Infinite Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Kwik Credit Card and Axis Bank Vistara Infinite Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Kwik Credit Card or Axis Bank Vistara Infinite Credit Card?
For beginners, Axis Bank Kwik Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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