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Side-by-Side Comparison|Updated March 2026

Axis Bank Vistara Credit Card vs Axis Bank Reserve 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 Vistara Credit Card

6.5/10
Annual Fee₹1,500
Base Rewards0.8%
NetworkVisa
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Axis Bank

Axis Bank Reserve Credit Card

8.2/10
Annual Fee₹50,000
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Vistara Credit CardAxis Bank Reserve Credit Card
Annual Fee₹1,500₹50,000
Joining Fee₹1,500₹50,000
Fee Waiver SpendN/A₹35,00,000
Base Reward Rate0.8%0.2%
Reward CurrencyMaharaja PointsEDGE REWARD Points
NetworkVisaVisa
Editor Rating6.5/108.2/10
Forex Markup3.5%3.5%

Pros & Cons

Axis Bank Vistara Credit Card

Pros

  • Complimentary Economy Class ticket voucher on joining fee payment.
  • Earn 2 Maharaja Points for every ₹200 spent on all eligible categories.
  • Complimentary domestic lounge access (2 visits per quarter) at select airports.
  • Comprehensive insurance coverage including Air Accident Cover up to ₹2.5 Crore.

Cons

  • New applications are currently restricted due to the Vistara-Air India merger.
  • Renewal benefits and milestone tickets are discontinued for cycles after April 18, 2025.
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months.

Axis Bank Reserve Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on members with 12 guest visits.
  • Comprehensive luxury hotel memberships including Accor Plus, Club Marriott, and ITC Culinaire.
  • Low foreign currency markup fee of 1.5%, ideal for high international spenders.
  • 8 complimentary VIP Airport Concierge services for seamless check-in and immigration.

Cons

  • High annual fee of ₹50,000 with no renewal bonus points (discontinued April 2024).
  • Steep annual fee waiver threshold of ₹35 Lakhs.
  • Significant reward exclusions including fuel, gold, insurance, and utilities.

Our Verdict

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

Choose Axis Bank Vistara Credit Card if

Strong value for those who frequently fly Air India/Vistara routes and can utilize the free ticket vouchers.

Choose Axis Bank Reserve Credit Card if

Offers unparalleled airport services, unlimited lounge access for family, and premium hotel memberships.

Frequently Asked Questions

Which is better: Axis Bank Vistara Credit Card or Axis Bank Reserve Credit Card?
Axis Bank Reserve Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Vistara 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 Vistara Credit Card and Axis Bank Reserve Credit Card?
Axis Bank Vistara Credit Card has an annual fee of ₹1,500, while Axis Bank Reserve Credit Card has an annual fee of ₹50,000. Axis Bank Reserve Credit Card offers a fee waiver on ₹35,00,000 annual spend.
Which card has better rewards: Axis Bank Vistara Credit Card or Axis Bank Reserve Credit Card?
Axis Bank Vistara Credit Card offers a base reward rate of 0.8%. Axis Bank Reserve Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Vistara Credit Card and Axis Bank Reserve Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Vistara Credit Card and Axis Bank Reserve Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Vistara Credit Card or Axis Bank Reserve Credit Card?
For beginners, Axis Bank Vistara Credit Card may be more approachable with a lower annual fee of ₹1,500. However, evaluate based on your expected spending pattern rather than fee alone.

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