Axis Bank Vistara Signature Credit Card vs Club Vistara SBI Card (2026)
Club Vistara SBI Card vs Axis Bank Vistara Signature Credit Card: which wins?
₹57,600ranking value a year at ₹3L a month, to Axis Bank Vistara Signature Credit Card
Skip the duel — the board, ranked → · nothing to sign up for
Same points, and neither card transfers anywhere — the redemption catalogue is the ceiling for both, so this one is decided on earn and fee, nothing else: 1.6% at no fee at all against 1.2% at ₹1,499 once to join.
It swings with spend: Club Vistara SBI Card at ₹1L/month, Axis Bank Vistara Signature Credit Card at ₹3L/month, Axis Bank Vistara Signature Credit Card at ₹5L/month.
Every metric, row by row — 11 compared
Head to head
| Axis Bank Vistara Signature Credit Card | Metric | Club Vistara SBI Card |
|---|---|---|
| closed | Our rank | closed |
| ₹0 — lifetime free — wins this row | Fee — joining · annual (+ GST) | ₹0/yr · ₹1,499 joining (one-time) |
| None | Fee waiver | None |
| 3.50% of the transaction value. Dynamic currency conversion markup 3.5% since 28 August 2026, up from 1.5%, per the bank-wide revision notice. | Forex markup | 3.5% + GST — SBI's markup table names ELITE and AURUM as the only 1.99% exceptions, so this card sits at the standard rate; dynamic and static DCC also 3.5% |
| 3.75% per month on retail purchases and cash | APR | not published |
| 1.6% — wins this row | Headline earn rate | 1.2% |
| Air India Maharaja Points | Currency | Air India Maharaja Points |
| ₹0.80/pt | House value | ₹0.80/pt † |
| A complimentary Premium Economy class ticket voucher on fee payment — WITHDRAWN. Axis's post-merger T&C discontinued the renewal voucher, the milestone vouchers and the Maharaja Club Silver membership together, and the product page still advertises all three. | Welcome benefit | — |
| 21 of 793 — wins this row | Lounge doors opened | 16 of 793 |
| Net income ₹6 lakh per annum (indicative) | Income — salaried | not published |
† Club Vistara SBI Card: Priced at the ₹0.80 Air India Maharaja house value, because that is the programme the points now live in. SBI's card copy still says "CV Points" — same points, two names, one of which belongs to an airline that stopped flying in November 2024.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
It swings with spend: Club Vistara SBI Card at ₹1L/month, Axis Bank Vistara Signature Credit Card at ₹3L/month, Axis Bank Vistara Signature Credit Card at ₹5L/month.
Where the lead changes hands — a 20-step sweep from ₹0.25L to ₹5L/month
Where the lead changes hands
The lead changes hands at ₹0.5L and ₹1.25L a month: Axis Bank Vistara Signature Credit Card is ahead by ₹1,200 at ₹0.25L, Axis Bank Vistara Signature Credit Card by ₹19,000 at ₹5L.
Club Vistara SBI Card pays one annual spend milestone, at ₹5,00,000 a year, and Axis Bank Vistara Signature Credit Card pays none; Club Vistara SBI Card charges ₹1,499 once at issuance and nothing to renew.
Axis Bank Vistara Signature Credit Card draws above the line, Club Vistara SBI Card below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Axis Bank Vistara Signature Credit Card | Club Vistara SBI Card | In front |
|---|---|---|---|
| ₹0.25L | ₹4,800 | ₹3,600 | Axis Bank Vistara Signature Credit Card by ₹1,200 |
| ₹0.5L | ₹9,600 | ₹12,200 | Club Vistara SBI Card by ₹2,600 |
| ₹0.75L | ₹14,400 | ₹15,800 | Club Vistara SBI Card by ₹1,400 |
| ₹1L | ₹19,200 | ₹19,400 | Club Vistara SBI Card by ₹200 |
| ₹1.25L | ₹24,000 | ₹23,000 | Axis Bank Vistara Signature Credit Card by ₹1,000 |
| ₹1.5L | ₹28,800 | ₹26,600 | Axis Bank Vistara Signature Credit Card by ₹2,200 |
| ₹1.75L | ₹33,600 | ₹30,200 | Axis Bank Vistara Signature Credit Card by ₹3,400 |
| ₹2L | ₹38,400 | ₹33,800 | Axis Bank Vistara Signature Credit Card by ₹4,600 |
| ₹2.25L | ₹43,200 | ₹37,400 | Axis Bank Vistara Signature Credit Card by ₹5,800 |
| ₹2.5L | ₹48,000 | ₹41,000 | Axis Bank Vistara Signature Credit Card by ₹7,000 |
| ₹2.75L | ₹52,800 | ₹44,600 | Axis Bank Vistara Signature Credit Card by ₹8,200 |
| ₹3L | ₹57,600 | ₹48,200 | Axis Bank Vistara Signature Credit Card by ₹9,400 |
| ₹3.25L | ₹62,400 | ₹51,800 | Axis Bank Vistara Signature Credit Card by ₹10,600 |
| ₹3.5L | ₹67,200 | ₹55,400 | Axis Bank Vistara Signature Credit Card by ₹11,800 |
| ₹3.75L | ₹72,000 | ₹59,000 | Axis Bank Vistara Signature Credit Card by ₹13,000 |
| ₹4L | ₹76,800 | ₹62,600 | Axis Bank Vistara Signature Credit Card by ₹14,200 |
| ₹4.25L | ₹81,600 | ₹66,200 | Axis Bank Vistara Signature Credit Card by ₹15,400 |
| ₹4.5L | ₹86,400 | ₹69,800 | Axis Bank Vistara Signature Credit Card by ₹16,600 |
| ₹4.75L | ₹91,200 | ₹73,400 | Axis Bank Vistara Signature Credit Card by ₹17,800 |
| ₹5L | ₹96,000 | ₹77,000 | Axis Bank Vistara Signature Credit Card by ₹19,000 |
Transfer reach — 0 shared live routes
Transfer reach
Both cards earn Air India Maharaja Points, so the partner list is identical — 0 live transfer routes each. The fight is decided on earn and fees, not reach.
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
Axis Bank Vistara Signature Credit Card · 5 more →
- Closed to new applications — Axis's own product page reads “Sourcing of Axis Bank Vistara Credit Cards has been discontinued”; existing holders keep the card
- The Premium Economy vouchers and the Maharaja Club Silver membership are discontinued, and the product page still sells all of them
- Lounge access is spend-gated — ₹50,000 on this card in the previous 3 calendar months, or the 2 visits do not open
Club Vistara SBI Card · 4 more →
- Closed to new applications — SBI's own product record sets this card unavailable online and the page carries no Apply Now button; existing holders keep it
- The renewal Economy ticket voucher and the whole ₹1,25,000 / ₹2,50,000 / ₹5,00,000 ticket ladder are discontinued for every card renewing after 31 March 2025
- Your CV Points are Air India Maharaja Points now: Club Vistara folded into Maharaja Club on 12 November 2024 and SBI's card copy was never rewritten
The call
For the ₹1L/month spender, Club Vistara SBI Card nets ₹19,400 against ₹19,200 — a ₹200 gap. At ₹5L/month, Axis Bank Vistara Signature Credit Card nets ₹96,000 against ₹77,000 — a ₹19,000 gap. Lounge chasers: Axis Bank Vistara Signature Credit Card opens 21 of 793 tracked doors to Club Vistara SBI Card's 16.
Our standing verdicts: Axis Bank Vistara Signature Credit Card — Keep; Club Vistara SBI Card — Keep. Axis Bank Vistara Signature Credit Card takes 5 of the 6 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, Axis Bank Vistara Signature Credit Card or Club Vistara SBI Card?
Axis Bank Vistara Signature Credit Card. Axis Bank Vistara Signature Credit Card takes 5 of the 6 rounds we can score. It swings with spend: Club Vistara SBI Card at ₹1L/month, Axis Bank Vistara Signature Credit Card at ₹3L/month, Axis Bank Vistara Signature Credit Card at ₹5L/month.
Axis Bank Vistara Signature Credit Card or Club Vistara SBI Card — which earns more at ₹3L a month?
At ₹3L a month, Axis Bank Vistara Signature Credit Card nets ₹57,600 against ₹48,200 — a ₹9,400 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, Axis Bank Vistara Signature Credit Card or Club Vistara SBI Card?
Axis Bank Vistara Signature Credit Card — ₹0 — lifetime free against ₹0/yr · ₹1,499 joining (one-time). Axis Bank Vistara Signature Credit Card waives its fee at no spend level — there is no waiver; Club Vistara SBI Card at no spend level — there is no waiver.
Which gets you into more airport lounges, Axis Bank Vistara Signature Credit Card or Club Vistara SBI Card?
Lounge chasers: Axis Bank Vistara Signature Credit Card opens 21 of 793 tracked doors to Club Vistara SBI Card's 16. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: Axis Bank Vistara Signature Credit Card on 2026-08-23, Club Vistara SBI Card on 2026-08-22. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against Axis Bank and SBI Card's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 11 of them, each with the day we read it
- official Revision of Axis Bank Credit Card Terms and Conditions — the bank-wide notice: DCC 1.5% to 3.5%, and gift cards, Bridge Fees, Road Fees and Tolls out of rewards, from 28 Aug 2026
- official Axis Bank product page — sourcing discontinued, 4 Maharaja Points per ₹200, 2 Visa lounge visits subject to spends, 3 rounds of golf, forex 3.50%, DCC 1.5%
- official Axis Bank T&C revision after the Vistara–Air India merger — annual fees waived on renewal, tier memberships and all ticket vouchers discontinued, Maharaja Points earning continues
- official Axis Bank revision effective 20 April 2024 — domestic lounge access gated on ₹50,000 of spend in the previous 3 calendar months; insurance and gold/jewellery MCCs stop earning
- official Air India Maharaja Club partner directory — lists Axis only for EDGE REWARD Points and EDGE Miles conversion, with no Vistara co-brand entry
- official SBI Card product page — ₹1,499 + taxes annual fee, renewal nil, 3 points per ₹200 on all retail including fuel, 4 domestic lounge visits (max 1 a quarter), ₹5,000 Yatra hotel voucher
- official SBI's own product record behind that page — the card is flagged as not available online, which is the issuer's own evidence that it is withdrawn from sale
- official Club Vistara terms booklet — the renewal Economy voucher and the ₹1,25,000 / ₹2,50,000 / ₹5,00,000 ticket ladder are discontinued for cards renewing after 31 March 2025
- official SBI's MITC fee table still prints "Club Vistara SBI Card / 1,499 / 1,499" — the generic row the card-specific booklet overrides, which is why this card renews at nothing
- community SBI Card's domestic lounge rules from 10 January 2026 — tiered lounge lists, with this card named in the wider Set A tier, plus a ₹2 authorization charge and ₹25 validation hold a visit
- official SBI Airport Lounge Access — "Club Vistara SBI Card" is named in SET A, the 16-room roster w.e.f. 10 Jan 2026