AU Small Finance Bank
AU Bank Vistara Credit Card
Vistara co-brand Visa with CV points, free tickets, and lounge access
₹1,500/yr annual fee · 3x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- Vistara flyer
- Frequent traveller
- Airline co-brand user
-
What we like
- 3x CV Points on Vistara flight bookings
- Free Vistara ticket voucher on ₹1 lakh spend
- Vistara Silver tier fast-track eligibility
-
Watch out for
- Vistara merger with Air India (card subject to change)
- ₹1,500 non-waiver joining fee
- Standard 3.5% forex markup
Annual fee
₹1,500/yr
Reward rate
3x
Min. income
₹5,00,000
Forex markup
3.5%
Lounge access
Domestic only
Eligibility
₹5 lakh/yr · CIBIL 720+
Reward cap
Not explicitly stated
Welcome benefit
Free Vistara economy ticket voucher on annual spends ≥ ₹1,00,000.
AU Bank Vistara Credit Card review: Vistara co-brand Visa with Club Vistara (CV) points on every spend, free Vistara ticket vouchers on milestone spend, lounge access, and travel privileges for Vistara flyers.
Who is this for
- Vistara flyer
- Frequent traveller
- Airline co-brand user
What we like
- 3x CV Points on Vistara flight bookings
- Free Vistara ticket voucher on ₹1 lakh spend
- Vistara Silver tier fast-track eligibility
Watch out for
- Vistara merger with Air India (card subject to change)
- ₹1,500 non-waiver joining fee
- Standard 3.5% forex markup
Issuer
AU Small Finance Bank is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹1,500 | Not waivable |
| Annual fee | ₹1,500 | Waived on annual spends ≥ ₹1,50,000 |
| Renewal fee | ₹1,500 | Waived on annual spends ≥ ₹1,50,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹1,000 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| TRAVEL | 3 CV Points per ₹100 on Vistara flight bookings; 2 CV Points per ₹100 on retail and dining; 1 CV Point per ₹100 on ut… | Not explicitly stated | Redeemable as flight tickets on Vistara; transfer to partner airlines |
| All spends | 2.00 | Not explicitly stated | 1 CV Point ≈ ₹0.50–₹1.00 |
| DINING | 2.00 | — | 1 CV Point ≈ ₹0.50–₹1.00 |
Benefits
-
3x CV Points on Vistara Highlight
3 CV Points per ₹100 on Vistara flight bookings — accelerated earn rate for Vistara flyers.
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Free Vistara Ticket Voucher Highlight
Free Vistara economy ticket voucher on annual spends ≥ ₹1,00,000.
-
Domestic Lounge Access
2 complimentary domestic airport lounge visits per quarter.
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Vistara Silver Tier Fast Track
Eligible for fast-track upgrade to Club Vistara Silver tier.
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Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹400 and ₹4,000.
Eligibility
- Age
- 21–65 years
- Min. income
- ₹5,00,000
- Min. credit score
- 720+
- Score note
- Good credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
AU Bank Vistara Credit Card is the Vistara co-brand Visa (subject to Vistara-Air India merger changes). It targets Vistara flyers with CV points and milestone vouchers.
Fees and rewards
- Joining fee: ₹1,500 (non-waiver)
- Annual fee: ₹1,500, waived on annual spends ≥ ₹1,50,000
- Rewards: 3 CV Points per ₹100 on Vistara; 2 CV Points per ₹100 on retail
- Forex markup: 3.50%
Travel benefits
- 3x CV Points on Vistara flight bookings
- Free Vistara economy ticket voucher on ₹1 lakh spend
- 2 domestic lounge visits per quarter
- Vistara Silver tier fast-track eligibility
Eligibility
Minimum annual income ₹5,00,000 (salaried) / ITR-based for self-employed. Good credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the AU Bank Vistara Credit Card apply walkthrough →
Apply for AU Bank Vistara Credit Card
Last reviewed · How we review
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Frequently asked questions
Is the AU Bank Vistara Credit Card worth it?
What is the annual fee for the AU Bank Vistara Credit Card?
How does the AU Bank Vistara Credit Card reward rate work?
What are the eligibility requirements for the AU Bank Vistara Credit Card?
Does the AU Bank Vistara Credit Card offer airport lounge access?
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