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Side-by-Side Comparison|Updated March 2026

Kotak Infinite 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.

Kotak Mahindra Bank

Kotak Infinite Credit Card

8.2/10
Annual FeeFree
Base Rewards0.5599999999999999%
NetworkVisa
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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

FeatureKotak Infinite Credit CardAxis Bank Vistara Infinite Credit Card
Annual FeeFree₹10,000
Joining FeeFree₹10,000
Fee Waiver SpendN/AN/A
Base Reward Rate0.5599999999999999%3%
Reward CurrencyReward PointsMaharaja Club Points
NetworkVisaVisa
Editor Rating8.2/109/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Infinite Credit Card

  • 0% on Travel
  • 0% on Dining

Axis Bank Vistara Infinite Credit Card

  • 0% on Vistara/Air India Bookings

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 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, Kotak Infinite 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 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: Kotak Infinite 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, Kotak Infinite 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 Infinite Credit Card?
Kotak Infinite 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: Kotak Infinite Credit Card or Axis Bank Vistara Infinite Credit Card?
Kotak Infinite Credit Card offers a base reward rate of 0.5599999999999999% with accelerated rewards on Travel and Dining. 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 Kotak Infinite Credit Card and Axis Bank Vistara Infinite Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Infinite 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: Kotak Infinite Credit Card or Axis Bank Vistara Infinite 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.

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