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▾Axis Bank Vistara Infinite Credit Card Review
Best for: Frequent Air India flyers (Vistara has merged into Air India) who want to accumulate Maharaja Points for award redemptions.
- Legacy welcome benefit: Complimentary Business-Class ticket on fee payment — applicable only to cards last renewed before 18 April 2025
- Legacy milestone: Up to 4 Business-Class ticket vouchers on milestone spends — same 18 April 2025 cut-off
- 6 Maharaja Points per ₹200 (~3% equivalent at 1 MP = ₹1) — Maharaja Points replace Club Vistara Points and accrue in your Maharaja Club account
- Unlimited domestic lounges via Priority Pass
- Airport transfer vouchers per year
- Post-merger reality: Vistara has merged into Air India; rewards now credit as Maharaja Points. Many ex-Club Vistara redemption sweet-spots no longer available at the historical ratios.
- Lounge entitlement reduced — public marketing now lists only 2 domestic complimentary visits, subject to spend criteria.
- Cards issued/renewed on or after 18 April 2025 lose the Business-Class ticket voucher welcome and milestone benefits.
- Maharaja Club Gold Membership now conditional w.e.f. 1 Mar 2024.
- 3.5% forex markup is uncompetitive.
- Eligibility raised to ₹24 lakh annual net income (issuer-confirmed).
- No golf.
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹10,000 + GST |
| Renewal fee | ₹10,000 + GST |
| Finance charge | 3.6% p.m. |
| Cash advance fee | 2.5% (min ₹500) |
| Forex markup | 3.5% |
| Late payment fee | Up to ₹1,300 |
Rewards structure
Per the current issuer page: 6 Maharaja Points per ₹200 of eligible spends. Maharaja Points are Air India's post-merger loyalty currency (Club Vistara Points were converted to Maharaja Points after the merger). The historic Welcome / milestone Business-Class ticket vouchers and the renewal premium-economy voucher are now legacy-only benefits applicable only to cards last renewed before 18 April 2025 — they are not promised on cards issued or renewed after that date. New applicants should plan around the Maharaja Points earn rate, 2 spend-gated domestic lounge visits and ₹1 lakh / $300 purchase protection cover.
Key benefits
- Welcome voucher: one-way business-class ticket (domestic)
- Renewal voucher: premium-economy ticket
- Unlimited domestic lounges via Priority Pass
- 8 international lounge visits per year
- 2 airport-to-home transfer vouchers
- Golf — 4 complimentary rounds per year at partner courses
Who the Axis Bank Vistara Infinite is for
Heavy Vistara/Air India flyers who will definitely use both the welcome and renewal tickets. If you fly 6+ Vistara segments a year, the welcome ticket alone can cover the fee.
Final verdict
The Vistara Infinite was gold-tier pre-merger. Post-merger with Air India, the value still exists if Flying Returns conversions land at the hinted ratio (typically 1:1). Re-evaluate this card once Air India publishes the final loyalty alignment — but for committed Air India flyers the welcome ticket still justifies year one.
FAQ
What happens to CV points after the Air India merger?
Existing CV points convert to Flying Returns miles at the ratio announced by Tata group loyalty committee (typically 1:1 for domestic earners, subject to final notice).
Can I combine my CV points with my partner's?
Vistara did not allow pooling. Air India's Flying Returns programme supports family pooling — policy continues post-merger.
Is there a spend-based fee waiver?
Generally no — the welcome ticket is intended as the value offset for the annual fee.
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.