Vyaya
Side-by-Side Comparison|Updated March 2026

Kotak Infinite Credit Card vs Axis Bank Vistara Credit Card

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

Kotak Mahindra Bank

Kotak Infinite Credit Card

8.2/10
Annual FeeFree
Base Rewards0.5599999999999999%
NetworkVisa
View Full Details

Axis Bank

Axis Bank Vistara Credit Card

6.5/10
Annual Fee₹1,500
Base Rewards0.8%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureKotak Infinite Credit CardAxis Bank Vistara Credit Card
Annual FeeFree₹1,500
Joining FeeFree₹1,500
Fee Waiver SpendN/AN/A
Base Reward Rate0.5599999999999999%0.8%
Reward CurrencyReward PointsMaharaja Points
NetworkVisaVisa
Editor Rating8.2/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Infinite Credit Card

  • 0% on Travel
  • 0% on Dining

Axis Bank Vistara Credit Card

No accelerated rewards listed

Pros & Cons

Kotak Infinite Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on cardholders
  • 2 complimentary golf rounds every month at premier courses in India
  • Monthly bonus of 800 reward points (worth ₹800) with no spend threshold
  • Low foreign currency markup fee of 2% for international transactions

Cons

  • Low base reward rate of 1 point per ₹125 spent (~0.56% value)
  • Invite-only eligibility restricted to Wealth Management clients
  • Discontinued for new sourcing; available only to existing bank relationships

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.

Our Verdict

Kotak Infinite 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 Kotak Infinite Credit Card if

Offers unlimited global lounge access and consistent golf benefits without an annual fee for wealth clients.

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.

Frequently Asked Questions

Which is better: Kotak Infinite Credit Card or Axis Bank Vistara Credit Card?
Kotak Infinite 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 Kotak Infinite Credit Card and Axis Bank Vistara Credit Card?
Kotak Infinite Credit Card has no annual fee, while Axis Bank Vistara Credit Card has an annual fee of ₹1,500.
Which card has better rewards: Kotak Infinite Credit Card or Axis Bank Vistara Credit Card?
Kotak Infinite Credit Card offers a base reward rate of 0.5599999999999999% with accelerated rewards on Travel and Dining. Axis Bank Vistara Credit Card offers 0.8% base rewards. The better choice depends on your primary spending categories.
Can I have both Kotak Infinite Credit Card and Axis Bank Vistara Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Infinite Credit Card and Axis Bank Vistara Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Kotak Infinite Credit Card or Axis Bank Vistara Credit Card?
For beginners, Kotak Infinite Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Kotak Infinite Credit Card vs ICICI Bank Emeralde Private Metal Credit CardAxis Bank Vistara Credit Card vs ICICI Bank Emeralde Private Metal Credit CardKotak Infinite Credit Card vs Axis Bank Magnus for Burgundy Credit CardAxis Bank Vistara Credit Card vs Axis Bank Magnus for Burgundy Credit CardKotak Infinite Credit Card vs Axis Bank Vistara Signature Credit CardAxis Bank Vistara Credit Card vs Axis Bank Vistara Signature Credit Card

Explore More

Kotak Infinite Credit Card Full ReviewAxis Bank Vistara Credit Card Full ReviewAll Kotak Mahindra Bank CardsAll Axis Bank CardsBrowse All Credit CardsCredit Card Guides & Tips