Nowadays, most of us choose credit cards not only on the basis of credit limits but also based on the benefits provided with them, and a card with great travel benefits is generally considered a good option as we can save a lot on our travel expenses. Keeping this fact in mind, Axis Bank launched three credit cards in partnership with Club Vistara and IndusInd Bank has recently launched one. Among the three 3 co-branded cards issued by Axis Bank, the Axis Bank Vistara Infinite Credit Card is the most premium one, and the super-premium card launched by IndusInd Bank is Club Vistara IndusInd Bank Explorer Credit Card.

Axis Bank Vistara Infinite Vs Club Vistara IndusInd Bank Explorer Credit Card

Both these cards come with world-class benefits and exciting reward programs and hence you may find it really confusing to choose one between the two. In this article, we are going to help you choose one by comparing the two cards based on different factors:

Axis Bank Vistara Infinite Credit Card vs Club Vistara IndusInd Bank Explorer Credit Card

Joining & Renewal Fee

Credit Card Joining Fee Renewal Fee
Axis Bank Vistara Infinite Credit Card Rs. 10,000 Rs. 10,000
Club Vistara IndusInd Bank Explorer Credit Card Rs. 40,000 Rs. 10,000

Both, Axis Bank Vistara Infinite Credit Card & Club Vistara IndusInd Bank Explorer Credit Card, target High Net Worth Individuals and hence come with high joining/annual fees. The joining fee of the Club Vistara IndusInd Bank Explorer Credit Card is quite higher as compared to the other one whereas the renewal fee is the same for both of the cards.

Welcome Benefits

Credit Card Welcome Benefits
Axis Bank Vistara Infinite Credit Card A complimentary Air Vistara business class ticket.
Club Vistara IndusInd Bank Explorer Credit Card A complimentary Air Vistara Business Class ticket.
Option to choose one of the three gift vouchers worth Rs. 25K each.

With the Axis Bank Vistara Infinite Credit Card, you get a welcome gift of one complimentary Air Vistara Business Class Ticket. Whereas with the Club Vistara IndusInd Bank Explorer Credit Card, you don’t only get a complimentary business class ticket, but also one of these three gift vouchers: a Luxe gift card worth Rs. 25,000, a night stay voucher at Oberoi hotels, or a vouchagram gift voucher worth Rs. 25,000.

Now, the Club Vistara IndusInd Bank Explorer Credit Card seems to be more beneficial to you, but it’s worth noting that it comes with a higher annual fee. Indusind Bank is trying to offset some fees by providing a gift voucher of Rs 25,000. Still, if we consider the Rs 25,000 gift voucher provided by Indusind Bank, Axis Bank’s Vistara Infinite Credit Card is better in terms of fees as GST alone on Club Vistara IndusInd Bank Explorer Credit Card is Rs 7200 .

Complimentary Club Vistara Membership

Credit Card Complimentary CV membership
Axis Bank Vistara Infinite Credit Card Club Vistara Gold membership (lifetime)
Club Vistara IndusInd Bank Explorer Credit Card Club Vistara Gold membership (first year only)

In terms of complimentary Club Vistara Gold membership, the Axis Bank Vistara Infinite Credit Card can be considered better as it provides you with a lifetime Gold membership to Air Vistara whereas the Club Vistara IndusInd Bank Explorer Credit Card provides you the membership only for the first year.

Club Vistara Points

Credit Card CV Points
Axis Bank Vistara Infinite Credit Card You earn 6 CV Points on every spend of Rs. 200 (except on fuel)
Club Vistara IndusInd Bank Explorer Credit Card You earn 8 CV Points on every Rs. 200 spent on Club Vistara.

You earn 6 CV Points on every Rs. 200 spent on other travel-related spends.

You earn 2 CV Points on every retail spend of Rs. 200.

You earn 1 CV Point for every Rs. 200 spent on utility & insurance categories.

With the Axis Bank Vistara Infinite Credit Card, you earn 6 CV Points on every Rs. 200 spent irrespective of the spend category. Whereas with the Club Vistara IndusInd Bank Explorer Credit Card, you earn accelerated CV Points on your spending on Club Vistara and different no. of points on different categories. If you plan to spend more on Vistara or travel, then Indusind Bank Credit Card would be a better option, for other spending go with Axis Bank Vistara Infinite Credit Card.

Airport Lounge Access

Credit Card Domestic Lounge Access International Lounge Access
Axis Bank Vistara Infinite Credit Card 2 every quarter NA
Club Vistara IndusInd Bank Explorer Credit Card 1 every quarter 4 every quarter

Both these credit cards provide you with domestic lounge access every quarter, but you can get complimentary international lounge access only with the Club Vistara IndusInd Bank Explorer Credit Card which is a good benefit considering both are travel credit cards.

Milestone Benefits

Axis Bank Vistara Infinite Credit Card
Annual Spends Reward
Rs. 2,50,000 1 Business Class ticket
Rs. 5,00,000 1 Business Class ticket
Rs. 7,50,000 1 Business Class ticket
Rs. 12,00,000 1 Business Class ticket
Club Vistara IndusInd Bank Explorer Credit Card
Annual Spends Milestone Benefit
Rs. 3 lakhs 1 Business Class Ticket voucher
Rs. 6 lakhs 1 Business Class Ticket voucher
Rs. 9 lakhs 1 Business Class Ticket voucher
Rs. 12 lakhs 1 Business Class Ticket voucher
Rs. 15 lakhs 1 Business Class Ticket voucher

With the Axis Bank Vistara Infinite Credit Card, you can get up to 4 complimentary business class tickets on the basis of your annual spends whereas you can get upto 5 of them with the Club Vistara IndusInd Bank Explorer Credit Card.

Other Benefits

Benefit Axis Bank Vistara Infinite Credit Card Club Vistara IndusInd Bank Explorer Credit Card
Dining Benefit Up to 20% discount on dining. Up to Rs. 3,000 off on dining two times every year.
Movie Benefit NA Buy 1 Get 1 Free offer on movie tickets on BookMyShow.
Golf Benefit 6 complimentary golf rounds every year. NA
Air Accident Cover Air accident cover worth Rs. 2.5 crores. Air accident cover worth Rs. 2.5 crores.

Both the card comes with different exclusive benefits. The Axis Bank Vistara Infinite Credit Card provides you with complimentary golf rounds but the other one doesn’t whereas the Club Vistara IndusInd Bank Explorer Credit Card comes with a Buy 1 Get 1 offer on movies but the other card doesn’t provide any such offer on movies. Dining Benefit is obviously better on Indusind Bank Credit Card considering you get flat 3,000 Rs off twice a year on Eazydiner.com

Bottom Line

Both, Axis Bank Vistara Infinite Credit Card & Club Vistara IndusInd Bank Explorer Credit Card, have their own benefits. You can now easily compare both of them on the basis of fees and other features and then decide which one suits you more. For example, if you are someone who frequently travels and also likes to book movie tickets or go out with dining Club Vistara Indusind Explorer Credit Card may be a better choice. If you are planning to use your credit card for all types of purchases then the Axis Bank Vistara Infinite Credit Card would be a great choice for you.

So, which one are you going to choose? Write in the comment section below and let us know.

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