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Side-by-Side Comparison|Updated March 2026

IndiGo SBI 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.

SBI Card

IndiGo SBI Card

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

FeatureIndiGo SBI CardAxis Bank Vistara Infinite Credit Card
Annual Fee₹1,499₹10,000
Joining Fee₹1,499₹10,000
Fee Waiver SpendN/AN/A
Base Reward Rate1%3%
Reward CurrencyIndiGo BluChipsMaharaja Club Points
NetworkMastercardVisa
Editor Rating7/109/10
Forex Markup3.5%3.5%

Accelerated Rewards

IndiGo SBI Card

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

Axis Bank Vistara Infinite Credit Card

  • 0% on Vistara/Air India Bookings

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 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, IndiGo SBI 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 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: IndiGo SBI 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, IndiGo SBI 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 Infinite Credit Card?
IndiGo SBI Card has an annual fee of ₹1,499, while Axis Bank Vistara Infinite Credit Card has an annual fee of ₹10,000.
Which card has better rewards: IndiGo SBI Card or Axis Bank Vistara Infinite 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 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 IndiGo SBI Card and Axis Bank Vistara Infinite Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. IndiGo SBI Card and Axis Bank Vistara Infinite 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 Infinite 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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