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Axis Bank Vistara Credit Cards Reward Points Program Revised

In a move that is likely to devalue the Axis Bank Vistara co-branded credit cards, the Bank has revised the rewards program on these cards. Starting January 03, 2024, Government Services and Utilities payments will not be eligible for earning Club Vistara points or achieving milestone benefits.

Axis Bank Vistara Credit Cards Rewards Program Revision

Here is what the Axis Bank’s terms and conditions revision document says:

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

Here are the merchant categories falling under this revision:

CategoryMerchant Category Codes (MCC)
Government Services9222 (Fines)
9311 (Tax Payment)
9399 (Government Services not classified elsewhere)
9402 (Postage Stamps)
Utilities4814 (Telecom/Phone)
4816 (Computer Network Services)
4899 (Cable Television/Pay TV or Radio)
4900 (Electric, Gas, Sanitary, Telephone or Water Utilities)
The merchant category codes are defined by the VISA and MasterCard.

Three credit cards come under this revision’s purview, namely – Axis Bank Vistara credit card, Vistara Signature card, and Vistara Infinite card. The CV points and milestone benefits are considered some of the best benefits Axis Vistara cards have to offer. With a devaluation set to hit these cards, the new applications also might take a hit.

The rest of the reward program still goes on as before, only these two categories will stop earning you the points from January 03, 2023.

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