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Side-by-Side Comparison|Updated March 2026

Axis Bank Select Credit Card vs Axis Bank Vistara Signature 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 Select Credit Card

7.8/10
Annual Fee₹3,000
Base Rewards0.2%
NetworkVisa
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Axis Bank

Axis Bank Vistara Signature Credit Card

7/10
Annual Fee₹3,000
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Select Credit CardAxis Bank Vistara Signature Credit Card
Annual Fee₹3,000₹3,000
Joining Fee₹3,000₹3,000
Fee Waiver Spend₹8,00,000N/A
Base Reward Rate0.2%0.5%
Reward CurrencyEDGE Reward PointsMaharaja Points
NetworkVisaVisa
Editor Rating7.8/107/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Select Credit Card

  • 0% on Retail Shopping

Axis Bank Vistara Signature Credit Card

No accelerated rewards listed

Pros & Cons

Axis Bank Select Credit Card

Pros

  • 10,000 EDGE points (₹2,000 value) as a welcome benefit on first transaction.
  • Significant monthly savings with Swiggy (₹400) and BigBasket (₹500) discounts.
  • Complimentary Priority Pass with 6 international lounge visits annually.
  • 2X rewards on retail shopping up to ₹20,000 monthly spend.

Cons

  • Domestic lounge access requires a high spend of ₹50,000 in the previous quarter.
  • Low reward redemption value (₹0.20 per point) compared to premium peers.
  • High annual fee waiver threshold of ₹8 Lakhs.

Axis Bank Vistara Signature Credit Card

Pros

  • Complimentary Premium Economy ticket voucher on joining and renewal (for renewals before April 18, 2025).
  • Complimentary Club Vistara Silver Membership (transitioning to Maharaja Club) offering priority check-in and extra baggage.
  • High milestone rewards with up to 4 additional Premium Economy tickets on annual spends of ₹9 Lakhs.
  • 3 complimentary rounds of golf at select courses in India.

Cons

  • Rewards are highly specialized for Vistara/Air India and offer low value for non-travel redemptions.
  • Domestic lounge access is now subject to a minimum spend of ₹50,000 in the previous 3 months.
  • Significant devaluation in 2024/2025: Milestone benefits and ticket vouchers discontinued for renewals after April 18, 2025.

Our Verdict

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

Choose Axis Bank Select Credit Card if

Strong benefits on Swiggy, BigBasket, and BookMyShow combined with golf access.

Choose Axis Bank Vistara Signature Credit Card if

Ideal for those who prefer Vistara's Premium Economy service and can hit the ₹1.5L to ₹9L spend milestones for free tickets.

Frequently Asked Questions

Which is better: Axis Bank Select Credit Card or Axis Bank Vistara Signature Credit Card?
Axis Bank Select Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Vistara Signature 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 Select Credit Card and Axis Bank Vistara Signature Credit Card?
Axis Bank Select Credit Card has an annual fee of ₹3,000, while Axis Bank Vistara Signature Credit Card has an annual fee of ₹3,000. Axis Bank Select Credit Card offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: Axis Bank Select Credit Card or Axis Bank Vistara Signature Credit Card?
Axis Bank Select Credit Card offers a base reward rate of 0.2% with accelerated rewards on Retail Shopping. Axis Bank Vistara Signature Credit Card offers 0.5% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Select Credit Card and Axis Bank Vistara Signature Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Select Credit Card and Axis Bank Vistara Signature Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Select Credit Card or Axis Bank Vistara Signature Credit Card?
For beginners, Axis Bank Select Credit Card may be more approachable with a lower annual fee of ₹3,000. However, evaluate based on your expected spending pattern rather than fee alone.

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