Axis Bank Vistara Signature Credit Card vs Club Vistara SBI Card Prime: Which One to Pick?

Both Axis Bank and SBI Card offer travel credit cards in collaboration with Air Vistara. While Axis Bank offers three Air Vistara co-branded credit cards- Axis Bank Vistara Credit Card, Axis Bank Vistara Signature Credit Card and Axis Bank Vistara Infinite Credit Card, SBI Card offers two Air Vistara co-branded credit cards- Club Vistara SBI Card Prime and Club Vistara SBI Card. In this article, we shall be comparing Axis Bank Vistara Signature Credit Card and Club Vistara SBI Card Prime.

Both Axis Bank Vistara Signature Credit Card and Club Vistara SBI Card Prime are mid-range travel credit cards and come with an annual membership fee of Rs. 3,000 and earn you Reward Points as Club Vistara (CV) Points. Apart from the CV Points, the cards also offer a number of add-on benefits like complimentary Club Vistara membership, complimentary airport lounge access, comprehensive insurance cover, etc. Before we give a point-wise comparison between the two cards, it is a good idea to first go through some of the key features of both credit cards.

Axis Bank Vistara Signature Credit Card

Some of the key features of Axis Bank Vistara Signature Credit Card are-

• You get 1 Premium Economy Class ticket voucher on joining the card membership or on renewal of the card membership as a welcome/renewal benefit.
• You are also entitled to a complimentary Club Vistara Silver membership with benefits such as priority check-in and additional baggage allowance.
• You earn 4 Club Vistatars (CV) Points for every Rs. 200 spent with the card. The CV Points earned can be redeemed for Club Vistara spends like flight upgrades and award flights.
• You are also entitled to milestone benefits on achieving the stipulated spend milestones on the card. The milestone benefits are earned as per the table below-

• You are entitled to 2 complimentary lounge access per quarter at select domestic airports across India under the Visa lounge access program with the card as an additional benefit.
• You are also entitled to a discount of up to 15% at partner restaurants under the Axis Bank Dining Delights program.
• You also get 3 complimentary golf games every year at some of the most premium golf destinations across the country.
• The card also entitles you to a comprehensive insurance cover against personal air accident, loss/delay of check-in luggage, loss of travel documents and a purchase protection cover as per the following table-

• You must have an annual income of a minimum of Rs. 6 lacs per annum to be eligible for the Axis Bank Vistara Signature Credit Card.

Club Vistara SBI Card Prime

Following are some of the salient features of the Club Vistara SBI Card Prime–

• You are entitled to a complimentary Premium Economy Class Ticket on joining the card membership and every year the card membership is renewed as a welcome/renewal benefit.
• Club Vistara SBI Card Prime earns you 4 Club Vistara (CV) Points per Rs. 200 spent with the card.
• You also earn bonus Reward Points, complimentary Premium Economy Class ticket(s) and/or hotel voucher on achieving the stipulated spends milestones-

• Club Vistara SBI Card Prime also entitles you to 8 complimentary domestic airport lounge access annually (max 2 per quarter) and complimentary membership of the Priority Pass lounge access program with 4 complimentary international airport lounge access every year (max 2 in a quarter).
• You also get many other additional travel benefits like a 50% discount of destination programs in Singapore, Japan, Korea and Macau, a 33% discount on hotels and resorts and a discount of up to 10% on car rentals.
• You also get a complimentary comprehensive insurance cover with covers against personal air accident, air ticket cancellation, delay/damage/loss of check-in baggage, loss of travel documents and a lost card liability cover as per the table below-

Quick Comparision

The following chart gives a quick comparison between the Axis Bank Vistara Signature Credit Card and Club Vistara SBI Card Prime-

	Axis Bank Vistara Signature Credit Card	Club Vistara SBI Card Prime
Reward Rate	Reward Points earned as Club Vistara (CV) Points. 4 CV Points per Rs. 200 spent.	Reward Points earned as Club Vistara (CV) Points. 4 CV Points per Rs. 200 spent.
Reward Redemption	CV Points redeemable on Air Vistara spends like award flights and class upgrades.	CV Points redeemable on Air Vistara spends like award flights and class upgrades.
Welcome/Renewal Benefits	Complimentary Club Vistara Silver Tier membership 1 Complimentary Premium Economy Class Ticket on joining the card membership and every year the membership is renewed.	1 complimentary Premium Economy Class Ticket on joining the card membership and every year the card membership is renewed.
Milestone Benefits	Bonus CV Points and complimentary Premium Class tickets on achieving the stipulated speed milestones (details above).	Bonus CV Points and complimentary Premium Class tickets on achieving the stipulated speed milestones (details above).
Additional Benefits	2 complimentary domestic airport lounge access per quarter. 3 complimentary golf games every year. Up to 20% discount at partner restaurants.	2 complimentary domestic airport lounge access per quarter. 4 complimentary international airport lounge access every year. Up to 50% discount of destination programs in Singapore, Japan, Korea and Macau. Up to 33% discount on booking hotels and resorts. Up to 10% discount on car rentals.
Membership Fee	Rs. 3,000 per annum (plus applicable taxes).	Rs. 2,999 per annum (plus applicable taxes).
Eligibility	Minimum income of Rs. 6 lacs per annum. Age between 18 to 70 years (for salaried applicants) or 18 to 70 years (for self-employed applicants)	No eligibility criteria specified by SBI Card.

Conclusion

As can be seen from the comparison above, both Axis Bank Vistara Signature Credit Card and Club Vistara SBI Card Prime are very much similar in terms of the membership fee, reward rate and the benefits that they provide. However, there are a few clear differences between the two cards-

• Golf Games: While Axis Bank Vistara Signature Credit Card entitles you to 3 complimentary golf games every year, you do not get any golf benefit with the Club Vistara SBI Card Prime.
• International Airport Lounge Access: While you get 4 complimentary international airport lounge access every year with a complimentary Priority Pass membership with the Club Vistara SBI Card Prime, you do not get any complimentary international airport lounge or Priority Pass membership with the Axis Bank Vistara Signature Credit Card.
• Other Benefits: While you get up to a 20% discount at partner restaurants with the Axis Bank Vistara Signature Credit Card, you get other discounts like discounts on holiday destination programs, hotel bookings and car rentals with the Club Vistara SBI Card Prime.

Keeping the aforementioned three distinctions in mind, what can be concluded is that there is no difference between Axis Bank Vistara Signature Credit Card and Club Vistara SBI Card Prime in terms of the Club Vistara benefits that they offer. However, if you also travel internationally, and do not have another credit card with complimentary lounge access at international airports, Club Vistara SBI Card will be a better choice for you, on the other hand, if you enjoy playing golf, you should opt for Axis Bank Vistara Signature Credit Card.