Axis Vistara Signature vs HDFC MoneyBack+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC MoneyBack+ wins 6-1. Entry-level cashback with very low waiver bar. Axis Vistara Signature is still the right call if domestic flyers (vistara was acquired by air india — points convert)..
Side-by-side
| Criterion | Axis Vistara Signature | HDFC MoneyBack+ |
|---|---|---|
| Annual fee | · ₹3,000 | ₹500 |
| Joining fee | · ₹3,000 | ₹500 |
| Top reward rate | = 5% (travel) | = 5% (shopping) |
| Base reward rate | · 1% | 2% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Vistara Premium Economy ticket on joining | = 500 CashPoints on first transaction |
| Fee waiver threshold | · ₹750,000 / yr | ₹50,000 / yr |
| Min income | · ₹600,000 | ₹240,000 |
| Min credit score | · 750 | 720 |
| Editorial rating | 4.2/5 | · 4.1/5 |
Benefits compared
Axis Vistara Signature
- 5 CV points per ₹200 on travel
- Premium Economy class ticket on joining
- Premium Economy class ticket on ₹4.5L spend
- 8 domestic lounge visits/year
- Club Vistara Silver tier on joining
HDFC MoneyBack+
- 5% on Amazon, Flipkart, Big Basket, Reliance Smart Bazaar (capped ₹1K/month)
- 2% on EMI transactions
- 1 fuel surcharge waiver
- Quarterly milestone vouchers
FAQ
›Axis Vistara Signature vs HDFC MoneyBack+: which is better?
HDFC MoneyBack+ wins on more dimensions (6 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Axis Vistara Signature for its best categories, HDFC MoneyBack+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Axis Vistara Signature: Vistara Premium Economy ticket on joining. HDFC MoneyBack+: 500 CashPoints on first transaction.