Axis Bank Vistara Credit Card Vs. Air India SBI Platinum Credit Card

When it comes to traveling, people wish to spend their time exploring, making memories, and experiencing new delicacies and adventures without stressing about anything. Mostly this is the motive behind traveling which is to find peace and adventure away from our daily life, and any hiccups in such an experience can hinder or ruin it all. To be able to overcome any sort of difficulties in holidays, people tend to save for a long time and use many financial applications and tools one of which is credit cards. Axis Bank Vistara Credit Card and Air India SBI Platinum Credit Card are two cards that are advantageous in most fields.

Both these cards are great for frequent fliers and mostly for those who are brand loyal. People who only book flights with Vistara or Air India can take a great deal of benefits from both these credit cards. Many additional privileges can be counted as better opportunities for comfortable travel and earning incentives.

Axis Bank Vistara Credit Card

This Axis Bank Vistara Credit Card is a rewarding credit card with which you get 2 club Vistara points for every Rs. 200 you spend. There are also complimentary airport lounge visits with several participating lounges. There is also a welcome gift of a complimentary economy class ticket voucher and bonuses upon reaching milestones. Altogether there are great features which are –

Features and Benefits

Welcome Benefits

• A complimentary economy class ticket voucher which will be valid for 3 months from the date of issuance.

Rewards

• 2 Club Vistara Points on every Rs. 200 spent.
• No CV for wallet reloads.
• Accumulated CV points can be redeemed against flights

Milestone Benefits

• By spending more than Rs. 50,000 within 90 days of card issuance, you get 1,000 CV points.
• You get 1 Economy Class ticket each time you reach the milestone of spending more than Rs. 1,25,000, then Rs. 2,50,000, and Rs. 6 Lakhs.

Travel Benefits

• 2 complimentary domestic lounge access every quarter.
• Complimentary Club Vistara Membership.

Dining Benefits

• 25% discount or up to Rs. 800 at the partnered restaurants under the Axis Bank EazyDiner Program.

Fuel

• 1% fuel surcharge waiver

Fees and Charges

• Joining Fee – Rs. 1,500 + Taxes
• Interest Rate – 3.6% per month or 52.86% annually
• Foreign Currency Markup – 3.5% of the transacted amount
• Cash Advance Charges – 2.5% of the withdrawn amount or a minimum of Rs. 500

The Axis Bank Vistara Credit Card is a great entry-level card for travelers. This card is also a great option for those interested in the CV brand itself. The other added benefits and features of this card make it irresistible and accommodating.

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Air India SBI Platinum Credit Card

The Air India SBI Platinum Credit Card is a mid-level card that offers plenty of traveling privileges. These benefits include complimentary lounge visits, accelerated rewards, membership, etc. There are also features like rewards, milestones, insurance, etc.

Features and Benefits

Welcome Benefits

• 5,000 reward points at card issuance
• 2,000 RPs at membership renewal as an anniversary gift.

Rewards

• 15 RPs on every Rs. 100 spent on booking tickets from Air India for yourself online.
• 5 RPs for every Rs. 100 spent on booking tickets from Air India for others online.
• 5 RPs for every Rs. 100 spent on booking tickets from Air India for others or yourself through call centers.
• 2 RPs on every Rs. 100 spent otherwise.
• 1 RP = 1 Air Mile.
• The converted Air Miles can be used against flight bookings.
• You need to accumulate 5000 RPs to convert them into Air miles.

Milestone Benefits

• Upon spending more than Rs. 2 lakhs you can earn 5000 RPs
• Upon spending over Rs. 3 Lakhs, you get 10000 RPs

Travel Benefits

• 8 complimentary domestic airport lounge access, maximum 2 per quarter.

Fuel

• 1% fuel surcharge waiver.

Fees and charges

• Joining Fee – Rs. 1,499 + Taxes.
• Interest Rate – 3.5% per month or 42% annually.
• Foreign Currency Markup – 3.5% + taxes on the amount.
• Cash Advance Fee – 2.5% or Rs. 500, whichever is higher.

The Air India SBI Platinum Credit Card is a decent credit card for people who prefer flying with Air India to their destinations. There are many benefits with this credit card which you do not get with many mid-level credit cards making it the right choice.

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Quick Comparison

Here is a quick comparison of both the cards based on their features –

Also Read: Axis Bank Vistara Infinite & Club Vistara IndusInd Bank Explorer Credit Card

Conclusion

Both the Axis Bank Vistara Credit Card and Air India SBI Platinum Credit Card are great travel credit cards. Although the Club Vistara card is an entry-level card and the Air India card is a mid-level, you can still find both these cards pretty curated. The difference between both these cards is pretty minor but they are still not similar. Overall, these cards are suggested to those who prefer their brands and show loyalty towards them. The sole reason for the suggestion is there is hardly any difference with the features but the brand itself has a significant value to it.