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Side-by-Side Comparison|Updated March 2026

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

7.8/10
Annual Fee₹3,000
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Vistara Credit CardAxis Bank Select Credit Card
Annual Fee₹1,500₹3,000
Joining Fee₹1,500₹3,000
Fee Waiver SpendN/A₹8,00,000
Base Reward Rate0.8%0.2%
Reward CurrencyMaharaja PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating6.5/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Vistara Credit Card

No accelerated rewards listed

Axis Bank Select Credit Card

  • 0% on Retail Shopping

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 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.

Our Verdict

Axis Bank Select 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 Select Credit Card if

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

Frequently Asked Questions

Which is better: Axis Bank Vistara Credit Card or Axis Bank Select Credit Card?
Axis Bank Select 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 Select Credit Card?
Axis Bank Vistara Credit Card has an annual fee of ₹1,500, while Axis Bank Select 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 Vistara Credit Card or Axis Bank Select Credit Card?
Axis Bank Vistara Credit Card offers a base reward rate of 0.8%. Axis Bank Select Credit Card offers 0.2% base rewards with bonuses on Retail Shopping. The better choice depends on your primary spending categories.
Can I have both Axis Bank Vistara Credit Card and Axis Bank Select Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Vistara Credit Card and Axis Bank Select 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 Select 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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