Axis Bank changes rewards earning for Axis Vistara Credit Cards with effect from January 2024

Axis Bank has been on a roll with respect to modifying product features on their credit cards. After granting a roughly 40-day notice for the changes to the Axis Bank Magnus Credit Card, the Reserve Credit Card, and four of their affluent card today, updates have been made to their Club Vistara co-branded credit cards. These will go live on January 3, 2024.

a man with a suitcase and credit cards

Axis Bank Vistara Credit Card Changes effective January 3, 2024

With effect from January 3, 2024, the following changes will apply to Axis Bank Vistara co-branded Credit Cards:

  • Government services transactions will not be eligible for earning Club Vistara points and achieving milestone benefits.
  • Utility transactions will not be eligible for earning Club Vistara points and achieving milestone benefits.

The following are the Merchant Codes to identify the categories:

  • Government Services:
    • Fines: 9222
    • Tax Payment: 9311
    • Government Services not classified elsewhere:9399
    • Postage Stamps: 9402
  • Utilities:
    • Telecom/Phone: 4814
    • Computer Network Services: 4816
    • Cable Television/Pay TV or Radio: 4899
    • Electric, Gas, Sanitary, Telephone or Water Utilities: 4900


Axis Bank has made significant changes to its Vistara co-brand credit cards. The changes include those where customers could make big spends on the card and get through milestones easily. All changes go live on January 3, 2024.

What do you make of the changes to Axis Bank Co-branded Credit Cards with Vistara in this round?

Liked our articles and our efforts? Please pay an amount you are comfortable with; an amount you believe is the fair price for the content you have consumed. Please enter an amount in the box below and click on the button to pay; you can use Netbanking, Debit/Credit Cards, UPI, QR codes, or any Wallet to pay. Every contribution helps cover the cost of the content generated for your benefit.

(Important: to receive confirmation and details of your transaction, please enter a valid email address in the pop-up form that will appear after you click the ‘Pay Now’ button. For international transactions, use Paypal to process the transaction.)

We are not putting our articles behind any paywall where you are asked to pay before you read an article. We are asking you to pay after you have read the article if you are satisfied with the quality and our efforts.

About Ajay

Ajay Awtaney is the Founder and Editor of Live From A Lounge (LFAL), a pioneering digital platform renowned for publishing news and views about aviation, hotels, passenger experience, loyalty programs, travel trends and frequent travel tips for the Global Indian. He is considered the Indian authority on business travel, luxury travel, frequent flyer miles, loyalty credit cards and travel for Indians around the globe. Ajay is a frequent contributor and commentator on the media as well, including ET Now, BBC, CNBC TV18, NDTV, Conde Nast Traveller and many other outlets.

More articles by Ajay »


  1. Axis Bank has lost all the goodwill it had in CC market. No cred anymore.

    What’s the explanation now? Bad actors rinsing poor Axis Bank, again?

    I tried to go the Burgundy path, and it’s a mess. Axis Bank does not follow what it puts out in its communications. It’s all open to interpretation.

    There’s no SOP followed and each team has a different view of what it thinks is the way forward…

  2. Does it make sense to hold this card for Vistara gold status? Given the merger with Air India, would this translate into *G status? Only time will tell.

      • @Ajay, decided to cancel this card for now as renewal was due in December. I have SQ*G, so can get *G benefits on both Vistara and AI. Once there is more clarity on the merger and future of this card, will definitely relook. For now it’s not worth 10K for me.

  3. Hi Ajay, I have closed my Axis Vistara Infinite card. Can you please guide me to the best rewarding card from the Axis portfolio other than Magnus and Reserve?

  4. A strategy where they wanted to show uptick in credit cards and garner market share for last 1.5 years. They think by reversing everything, clients will still stick around. An exodus is coming their way!

    • I hold Axis Magnus card decided to surrender, already informed them not to bill membership fee for renewal. Axis seem to keep attractive terms and conditions only to capture customers and market share only to renege later. Very unethical and unprofessional bank. As a bank too it was in controversies during demonetisation. In family we have Axis Vistara card which too might surrender once a clear picture comes, as there is uncertainty post Air India merger.

  5. Now if axis bank is restricting by not giving point on government service payment and utility bills then we will stop using Axis bank credit card and start using other bank card, lots of option available in the market.

    • Banks like ICICI, Axis have issued credit card indiscriminately, first to saturate the market. Once issued they must have found many of credit card products loss making as they may not have got the expected yield. Having garnered market share now they seem to filter out not so useful customer profiles with low networth. This could be the reason why they are so unprofessional.

Leave a Reply

Your email address will not be published. Required fields are marked *