Axis Bank Vistara Infinite Credit Card Review | Free Business Class Tickets

Vistara Infinite card is a premium card offering by Axis Bank, I recently received this card and here is my initial review.

I always fantasized of traveling business class but the value proposition provided by Indian domestic carriers never made me cross the line and buy that ticket. With the Axis bank card, I’ll finally be traveling business and that too quite a few times.

How I’ll Use

4 business class tickets are up for grasp from which one is provided to you straight away! Other 3 are given to you as milestone benefits and it you’re planning to get this card, make sure you reach those milestones to maximize the value.

I’ll be redeeming those 2 business class tickets for my favorite destination and that will be Goa with flight time of ~3 hours from Delhi. Rest of the 2 tickets will depend upon my requirement and is a toss up between Bengaluru/Mumbai. Business class tickets for a return ticket to Goa comes out to be around Rs. 60000 and Delhi – Mumbai return comes out to be approx 40K. That’s my friend is a whopping 1 Lac in value!

CV Points Earning Potential

Apart from tickets you get 10,000 CV points which are again valued at around Rs.7500 if redeemed for economy tickets. I value CV points anywhere between Rs. 0.75 – Rs 1.5. On top of it you’ll earn 22,500 CV points by the spending done to reach the milestones. Eventually by spending 7.5L you’ll have 4 business class tickets, and 32,500 CV points. All of this for an annual fee of Rs. 10,000. That’s an amazing value!

Stats of this card:

• Points Earning:
  • 6 CV Points for every Rs.200 spent

• Pros:
  • Good Milestone benefits
  • Free Business Class Tickets
  • Club Vistara Gold Membership which gives you upgrade certificates, extra baggage, priority check-in & boarding and much more (review coming soon)
  • Domestic Lounge Access under VISA Infinite program (List)
  • Air Vistara Lounge
  • 6 rounds of golf at good locations (List)
  • Bookmyshow VISA Infinite offer- ~Rs. 3K in value
  • Travel Insurance benefits
    • Delay of check-in baggage cover up to $300
    • Loss of check-in baggage cover up to $500
    • Loss travel documents cover up to $300

• Cons (There aren’t many but I’ll be nitpicking):
  • High Annual Fee with no waiver option
  • No extra points for spending on Vistara for flight bookings
  • You’re tied to Club Vistara Points
  • Low starting credit limit for a VISA Infinite card
  • High Foreign TX fee of 3.5%

• Super Power:
  • Milestone benefits of 4 business class tickets
  • Milestone benefits of 10,000 CV points
  • Purchase protection via VISA Infinite, this is a really underrated feature and for me it’s a life saver
  • Club Vistara Gold Membership
    • 3 Upgrade Vouchers – ~Rs. 30,000 in value
    • Extra CV points earned by taking flights (10 for Rs.100  spent on flight bookings)
    • Extra Baggage
    • Exit Row Seat Selection

• Sign Up Bonus:  1 Business class ticket (valid for travel within 6 months from the date of issuance) and below milestone benefits:
  • Spend Rs.1,00,000 – 10,000 CV Points
  • Spend Rs.2,50,000 – 1 Business Class ticket
  • Spend Rs.5,00,000 – 1 Business Class ticket
  • Spend Rs.7,50,000 – 1 Business Class ticket

• Approval Requirements:
  • Personal Annual Income of Rs. 6 Lacs and above
  • CIBIL Score of 730+
  • No late payments
  • Existing Relationship with Axis bank helps
• Joining Fees: Rs. 10,000+Tax

Verdict:

Return of Spend (4.5 / 5)  : 15% till Rs. 7.5 Lacs, after that 2.25% (3 CV Points valued at  Rs. 0.75 each)

Benefits (4 / 5) : Visa Infinite benefits, 15% discount on selected restaurants and extra ordinary weekends by Axis Bank.

Wallet Rating  (4 / 5) : 2.25% return even after milestones is a solid return and this card can be used for everyday spend

PCF rating (4.5 / 5): If you want to travel in luxury and are into experiences rather then cashback then this card is a must have. 4 Business class tickets are hard to come by and I personally will have them for free then spending money for them outright. This is a classic card to travel in luxury and that too for free!

YouTube Video: Coming Soon

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