Club Vistara SBI Card PRIME vs Axis Bank Vistara Signature Credit Card (2026)
Axis Bank Vistara Signature Credit Card vs Club Vistara SBI Card PRIME: which wins?
₹67,600ranking value a year at ₹3L a month, to Club Vistara SBI Card PRIME
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 ₹2,999 once to join against 1.6% at no fee at all.
Club Vistara SBI Card PRIME out-earns Axis Bank Vistara Signature Credit Card at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 11 compared
Head to head
| Club Vistara SBI Card PRIME | Metric | Axis Bank Vistara Signature Credit Card |
|---|---|---|
| closed | Our rank | closed |
| ₹0/yr · ₹2,999 joining (one-time) | Fee — joining · annual (+ GST) | ₹0 — lifetime free — wins this row |
| None | Fee waiver | None |
| 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% | Forex markup | 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. |
| not published | APR | 3.75% per month on retail purchases and cash |
| 1.6% | Headline earn rate | 1.6% |
| Air India Maharaja Points | Currency | Air India Maharaja Points |
| ₹0.80/pt † | House value | ₹0.80/pt |
| — | Welcome benefit | A complimentary Premium Economy class ticket voucher on fee payment — WITHDRAWN.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. |
| 728 of 793 — wins this row | Lounge doors opened | 21 of 793 |
| not published | Income — salaried | Net income ₹6 lakh per annum (indicative) |
† Club Vistara SBI Card PRIME: Priced at the ₹0.80 Air India Maharaja house value, because that is the programme the points now live in. SBI's card copy has never been updated from "CV Points", so a holder reading the product page and a holder reading their Maharaja Club balance are looking at the same points under two names.
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.
Club Vistara SBI Card PRIME out-earns Axis Bank Vistara Signature Credit Card at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
Club Vistara SBI Card PRIME leads at all 20 steps, but not by the same amount: ₹0 at ₹0.25L a month, ₹10,000 at ₹5L — the gap fans out with spend, widest at ₹0.75L (₹10,000).
Club Vistara SBI Card PRIME pays one annual spend milestone, at ₹8,00,000 a year, and Axis Bank Vistara Signature Credit Card pays none; Club Vistara SBI Card PRIME charges ₹2,999 once at issuance and nothing to renew.
Club Vistara SBI Card PRIME draws above the line, Axis Bank Vistara Signature Credit Card below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Club Vistara SBI Card PRIME | Axis Bank Vistara Signature Credit Card | In front |
|---|---|---|---|
| ₹0.25L | ₹4,800 | ₹4,800 | level |
| ₹0.5L | ₹9,600 | ₹9,600 | level |
| ₹0.75L | ₹24,400 | ₹14,400 | Club Vistara SBI Card PRIME by ₹10,000 |
| ₹1L | ₹29,200 | ₹19,200 | Club Vistara SBI Card PRIME by ₹10,000 |
| ₹1.25L | ₹34,000 | ₹24,000 | Club Vistara SBI Card PRIME by ₹10,000 |
| ₹1.5L | ₹38,800 | ₹28,800 | Club Vistara SBI Card PRIME by ₹10,000 |
| ₹1.75L | ₹43,600 | ₹33,600 | Club Vistara SBI Card PRIME by ₹10,000 |
| ₹2L | ₹48,400 | ₹38,400 | Club Vistara SBI Card PRIME by ₹10,000 |
| ₹2.25L | ₹53,200 | ₹43,200 | Club Vistara SBI Card PRIME by ₹10,000 |
| ₹2.5L | ₹58,000 | ₹48,000 | Club Vistara SBI Card PRIME by ₹10,000 |
| ₹2.75L | ₹62,800 | ₹52,800 | Club Vistara SBI Card PRIME by ₹10,000 |
| ₹3L | ₹67,600 | ₹57,600 | Club Vistara SBI Card PRIME by ₹10,000 |
| ₹3.25L | ₹72,400 | ₹62,400 | Club Vistara SBI Card PRIME by ₹10,000 |
| ₹3.5L | ₹77,200 | ₹67,200 | Club Vistara SBI Card PRIME by ₹10,000 |
| ₹3.75L | ₹82,000 | ₹72,000 | Club Vistara SBI Card PRIME by ₹10,000 |
| ₹4L | ₹86,800 | ₹76,800 | Club Vistara SBI Card PRIME by ₹10,000 |
| ₹4.25L | ₹91,600 | ₹81,600 | Club Vistara SBI Card PRIME by ₹10,000 |
| ₹4.5L | ₹96,400 | ₹86,400 | Club Vistara SBI Card PRIME by ₹10,000 |
| ₹4.75L | ₹1,01,200 | ₹91,200 | Club Vistara SBI Card PRIME by ₹10,000 |
| ₹5L | ₹1,06,000 | ₹96,000 | Club Vistara SBI Card PRIME by ₹10,000 |
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
Club Vistara SBI Card PRIME · 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 four Premium Economy ticket vouchers are discontinued for every card renewing after 31 March 2025 — that is almost certainly you
- 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
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
The call
For the ₹1L/month spender, Club Vistara SBI Card PRIME nets ₹29,200 against ₹19,200 — a ₹10,000 gap. At ₹5L/month, Club Vistara SBI Card PRIME nets ₹1,06,000 against ₹96,000 — a ₹10,000 gap. Lounge chasers: Club Vistara SBI Card PRIME opens 728 of 793 tracked doors to Axis Bank Vistara Signature Credit Card's 21.
Our standing verdicts: Club Vistara SBI Card PRIME — Keep; Axis Bank Vistara Signature Credit Card — Keep. Club Vistara SBI Card PRIME takes 4 of the 5 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, Club Vistara SBI Card PRIME or Axis Bank Vistara Signature Credit Card?
Club Vistara SBI Card PRIME. Club Vistara SBI Card PRIME takes 4 of the 5 rounds we can score. Club Vistara SBI Card PRIME out-earns Axis Bank Vistara Signature Credit Card at every spend level we model, from ₹25k to ₹5L a month.
Club Vistara SBI Card PRIME or Axis Bank Vistara Signature Credit Card — which earns more at ₹3L a month?
At ₹3L a month, Club Vistara SBI Card PRIME nets ₹67,600 against ₹57,600 — a ₹10,000 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, Club Vistara SBI Card PRIME or Axis Bank Vistara Signature Credit Card?
Axis Bank Vistara Signature Credit Card — ₹0 — lifetime free against ₹0/yr · ₹2,999 joining (one-time). Club Vistara SBI Card PRIME waives its fee at no spend level — there is no waiver; Axis Bank Vistara Signature Credit Card at no spend level — there is no waiver.
Which gets you into more airport lounges, Club Vistara SBI Card PRIME or Axis Bank Vistara Signature Credit Card?
Lounge chasers: Club Vistara SBI Card PRIME opens 728 of 793 tracked doors to Axis Bank Vistara Signature Credit Card's 21. 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: Club Vistara SBI Card PRIME on 2026-08-22, Axis Bank Vistara Signature Credit Card on 2026-08-23. 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 SBI Card and Axis Bank'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 SBI Card product page — ₹2,999 + taxes annual fee, renewal nil, 4 points per ₹200 on all retail including fuel, 8 domestic lounge visits, 4 Priority Pass visits outside India
- 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 SBI Card PRIME terms booklet — the renewal Premium Economy voucher is discontinued where the renewal fee falls after 31 March 2025, and the ₹2,999 is waived
- official Air India Maharaja Club partner directory — the SBI–Air India co-brand is the only co-brand listed; no Club Vistara SBI entry exists
- community SBI Card's domestic lounge rules from 10 January 2026 — tiered lounge lists plus a ₹2 authorization charge and a ₹25 validation hold on every visit
- official SBI Airport Lounge Access — "Club Vistara SBI Card PRIME" is named in SET B, the 30-room roster w.e.f. 10 Jan 2026
- official SBI's MITC fee table still prints "Club Vistara SBI Card PRIME / 2,999 / 2,999" — the generic row the card-specific booklet overrides, which is why this card renews at nothing
- 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