Axis Vistara Signature vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI Prime wins 5-0. Step up from SimplyClick with lounge access. 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 | SBI Prime |
|---|---|---|
| Annual fee | · ₹3,000 | ₹2,999 |
| Joining fee | · ₹3,000 | ₹2,999 |
| Top reward rate | = 5% (travel) | = 5% (shopping) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Vistara Premium Economy ticket on joining | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | · ₹750,000 / yr | ₹300,000 / yr |
| Min income | · ₹600,000 | ₹480,000 |
| Min credit score | = 750 | = 750 |
| Editorial rating | = 4.2/5 | = 4.2/5 |
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
SBI Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›Axis Vistara Signature vs SBI Prime: which is better?
SBI Prime wins on more dimensions (5 vs 0). 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, SBI Prime 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. SBI Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).