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Side-by-Side Comparison|Updated March 2026

IndiGo SBI 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.

SBI Card

IndiGo SBI Card

7/10
Annual Fee₹1,499
Base Rewards1%
NetworkMastercard
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Axis Bank

Axis Bank Vistara Credit Card

6.5/10
Annual Fee₹1,500
Base Rewards0.8%
NetworkVisa
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Feature-by-Feature Comparison

FeatureIndiGo SBI CardAxis Bank Vistara Credit Card
Annual Fee₹1,499₹1,500
Joining Fee₹1,499₹1,500
Fee Waiver SpendN/AN/A
Base Reward Rate1%0.8%
Reward CurrencyIndiGo BluChipsMaharaja Points
NetworkMastercardVisa
Editor Rating7/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

IndiGo SBI Card

  • 0% on IndiGo App/Web
  • 0% on Hotel, Lodging & Travel

Axis Bank Vistara Credit Card

No accelerated rewards listed

Pros & Cons

IndiGo SBI Card

Pros

  • Earn 3% rewards (3 BluChips per ₹100) on IndiGo bookings via official channels.
  • Welcome and renewal benefit of 2,500 BluChips effectively offsets the annual fee.
  • Milestone rewards of 2,500 BluChips at ₹2L, ₹4L, and ₹6L annual spend thresholds.
  • Complimentary domestic lounge access (1 per quarter) on meeting spend criteria.

Cons

  • Lounge access is contingent on spending ₹50,000 in the previous quarter.
  • High interest rate of 3.75% per month (45% per annum).
  • Rewards are highly restrictive, redeemable only within the IndiGo ecosystem.

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

IndiGo SBI 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 IndiGo SBI Card if

Best for those who frequently fly IndiGo and can utilize BluChips for flight bookings and add-ons.

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: IndiGo SBI Card or Axis Bank Vistara Credit Card?
IndiGo SBI 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 IndiGo SBI Card and Axis Bank Vistara Credit Card?
IndiGo SBI Card has an annual fee of ₹1,499, while Axis Bank Vistara Credit Card has an annual fee of ₹1,500.
Which card has better rewards: IndiGo SBI Card or Axis Bank Vistara Credit Card?
IndiGo SBI Card offers a base reward rate of 1% with accelerated rewards on IndiGo App/Web and Hotel, Lodging & Travel. Axis Bank Vistara Credit Card offers 0.8% base rewards. The better choice depends on your primary spending categories.
Can I have both IndiGo SBI Card and Axis Bank Vistara Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. IndiGo SBI Card and Axis Bank Vistara Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: IndiGo SBI Card or Axis Bank Vistara Credit Card?
For beginners, IndiGo SBI Card may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

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