Axis Bank Vistara Credit Card

5000 EDGE REWARD Points as Welcome benefit

with REWARDS Credit Card

Rewards Credit Card

Welcome Benefit

Welcome Benefit

Enjoy 5,000 EDGE REWARD points on cumulative net spends of Rs. 1,000 or above within 30 days of card issuance.

For terms and conditions click here.

Reward Points

Reward Points

  • Unlimited 2 EDGE REWARD points earned on every Rs 125 spend.
  • Earn 10X reward points on every Rs 125 spent on apparel and departmental stores.
  • Customers will receive accelerated points for spend upto Rs 7000 per month on specific categories.
  • Reward points will be credited directly to the customer EDGE account.
  • For terms and conditions click here.
Membership Benefits

Membership Benefits

  • Enjoy a bouquet of memberships up to Rs. 1,000 every anniversary year.
  • Eligible customers will get the membership link via SMS on registered mobile number within 60 days of becoming eligible.
  • For terms and conditions click here.
Milestone Benefits

Milestone Benefits

  • Earn 1,500 EDGE REWARD points on net spends of Rs 30,000 per statement cycle.
  • For terms and conditions click here.
30% off on Swiggy

30% off on Swiggy

  • Get 30% off on Swiggy for food delivery.
  • Use Coupon code <AXIS30> to avail the discount.
  • Maximum discount is capped at Rs. 150 per order.
  • Offer is applicable on minimum transaction of Rs. 200 per order.
  • Customer can avail the discounts up to 2 times in a month.
Complimentary Lounge Access

Complimentary Lounge Access

  • Enjoy 2 complimentary lounge access per quarter at select domestic airports with your REWARDS Credit Card.
  • Click here for the list of associated airports and terms and conditions.
Fuel Surcharge Waiver

Fuel Surcharge Waiver

  • Get 1% fuel surcharge on fuel purchases at all fuel stations across India.
  • Valid on transactions between Rs. 400 to Rs. 5,000 only; maximum benefit up to Rs. 400 per statement cycle.
  • GST charged on fuel surcharge is nonrefundable.
  • No reward points are earned on fuel transactions.
Insurance Benefitst

Insurance Benefits

  • Purchase Protection Cover up to Rs 1 lakh
  • Cover up to USD 300 for the following:
    1. Delay of check-in baggage
    2. Loss of travel documents
  • Cover up to USD 500 for loss of check-in baggage.
  • Credit Shield of 1 lakh.

Click here for detailed Cover and Claim Procedure.

Dining Delights

Dining Delights

Get upto 15%* off maximum Rs. 500 at our partner restaurant in India.

Just present your card at the restaurant, before the bill is generated.

For the most updated list of restaurants affiliated to the 'Dining Delights' program.

Fees & Charges

Joining Fee Rs. 1,000
2nd year Onwards Rs. 1,000 Annual fee waived off on annual spends of Rs. 2,00,000 and above.
Rent transactions ( MCC 6513 ) and wallet load transactions ( MCC 6540 ) will not be eligible for spends counted in availing annual fee waiver
Add-on card joining feeNil
Add-on card annual feeNil
Finance charges3.6% per month (52.86% annual)
Cash withdrawal fee2.5% (Min Rs. 500) of the Cash Amount
Fee for cash paymentRs.100
Card replacementNil
Duplicate statement feeWaived
Overdue penalty or late payment feeNil if outstanding amount is less than Rs. 500  
Rs. 500 if outstanding amount is between Rs. 501 and Rs. 5,000
Rs. 750 if outstanding amount is between Rs. 5,001 and Rs. 10,000
Rs. 1000 if outstanding amount is greater than Rs. 10,001
Overlimit penalty2.5% of the over-limit amount (Min Rs. 500)
Charge slip retrieval feeWaived
Outstation cheque fee


Cheque return or dishonor fee or auto-debit reversal2% of the payment amount subject to min Rs. 450, Max Rs. 1,500
Surcharge on purchase or cancellation of railway ticketsAs prescribed by IRCTC/Indian Railways
Fuel transaction surcharge1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 5,000)
Foreign currency transaction fee3.50% of the transaction value3.50% of the transaction value
Mobile alerts for transactionsWaived
Balance enquiry chargesWaived
Reward redemption feeNo

Individuals eligible for Axis Bank Reward Credit Card:


Primary cardholder should be between 18 to 70 years of age

Primary cardholder should be between 18 to 70 years of age

Resident of India

Applicant should be a Resident of India

Please note that this list is only indicative. Documents required may vary on a case-to-case basis.


PAN card photocopy or Form 60

PAN card photocopy or Form 60

Proof of income

Proof of income

Latest payslip / Form 16 / IT return copy as income proof
Residence proof

Residence proof

Passport / Ration Card/ Electricity bill / Landline telephone bill
Please note that this list is only indicative. Documents required may vary on a case-to-case basis.

Value Chart

REWARDS Credit Card Value Chart on Annual Spends of Rs. 2,00,000
Benefits of REWARDS Credit Card Annual Spends (Rs.)Savings / Value of Axis EDGE REWARD Points (Rs.)
Welcome Benefit****-₹ 1,000
Complimentary access to selected Domestic Lounges (if offer availed 2 times a quarter*)-₹ 12,000
Swiggy Discounts**₹ 4,800 ₹ 3,600
Rewards on Annual Spends (excluding all restricted categories) ₹ 1,50,000 ₹ 480
Accelerated Rewards of 10X₹ 1,00,000 ₹ 2,880
Milestone Benefit***-₹ 900
Bouquet of Membership Benefits-₹ 1,000
Fuel Surcharge^^₹ 20,000 ₹ 200
Total Annual Savings^
₹ 22,060

Total Benefits on REWARDS Credit Card is more than Rs. 22,000 (value chart is for illustrative purpose only)

*Based on assumption that customer visits lounge 2 times a quarter. Cost of lounge is assumed at Rs. 1,500
**Based on assumption that customer orders from Swiggy twice a month of minimum order value of Rs. 200
***Based on assumption that milestone benefit of Rs. 30,000 per month is achieved 3 times a year
**** Based on assumption that customer transacts Rs. 1,000 within 30 days of card issuance
^^Valid on transactions between Rs. 400 and Rs. 5,000 only. GST charged on fuel surcharge is non-refundable.
^The Redemption Value of Each EDGE REWARD Point = Rs. 0.20

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