Club Vistara IDFC First Credit Card
The Club Vistara IDFC First Credit Card was launched by Air Vistara and IDFC First Bank to offer great travel benefits. With a joining fee of ₹4,999 plus taxes, it came with perks like a free premium economy flight ticket, a class upgrade voucher, and Club Vistara Silver membership. Cardholders could earn CV Points on every purchase, which could be redeemed for flights, upgrades, and other travel rewards. Additional bonus CV Points were available for reaching spending targets. Apart from travel benefits, the card also provided lifestyle perks like free golf access and dining discounts. However, IDFC First Bank has now stopped issuing this card, so new applications are no longer accepted, but existing users can still enjoy its benefits.
This card was a strong competitor in the Vistara co-branded credit card category, thanks to its generous rewards, fewer restrictions, and additional perks like a lower foreign exchange fee of 2.99% and free golf rounds. It was considered a better option than other Vistara co-branded cards like the Axis Vistara Signature and Club Vistara SBI Card PRIME, especially after Axis Bank reduced some of its card benefits in April 2024. With an annual fee of ₹4,999 plus taxes, it also offered access to airport lounges, travel insurance, and premium benefits, making it a great choice for frequent Vistara travelers.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Before applying for a credit card in India, consider the following factors:
- Eligibility Criteria: Check the age, income, credit score, and employment status requirements set by the bank or financial institution.
- Credit Score: A higher credit score increases your chances of approval and may result in better offers. Ensure your credit score is in good standing.
- Interest Rates and Fees: Compare annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction fees. These can vary significantly between cards.
- Rewards and Benefits: Look for cards that offer rewards, cashback, discounts, or other perks that align with your spending habits.
- Credit Limit: Make sure the credit limit offered is in line with your financial needs. Avoid over-borrowing, which can lead to high-interest charges.
- Repayment Terms: Understand the repayment options, minimum payment amount, and due dates. Consider how easily you can manage timely payments to avoid interest accumulation.
- Card Type and Features: Choose a card type (e.g., standard, premium, travel, etc.) based on your requirements. Some cards offer more benefits for specific categories like travel, shopping, or dining.
- Bank’s Reputation: Opt for a bank with a good track record of customer service and transparency. Read reviews and consider their customer support accessibility.
- Hidden Charges: Be aware of any hidden fees, such as annual fees, balance transfer charges, and cash withdrawal fees.
- Credit Utilization: Ensure you can manage your spending within the credit limit to maintain a healthy credit utilization ratio, which impacts your credit score.
- Long-Term Financial Plans: Think about how the credit card will fit into your long-term financial goals and avoid accumulating unnecessary debt.
What is the annual fee for the Club Vistara IDFC FIRST Credit Card?
The card has an annual charge of ₹4,999 plus GST. The joining fee is billed in the first statement, while the annual fee applies after 12 months from issuance.
When will I receive my joining benefits?
Joining perks are credited within five working days after the joining fee payment.
Can I combine my complimentary flight voucher with the class upgrade voucher to get a Business Class ticket?
No, the Premium Economy flight voucher and the class upgrade voucher cannot be combined. However, you may use the upgrade voucher separately on another Club Vistara ticket.
How many free flight vouchers can I get annually?
You can earn up to six Premium Economy flight vouchers per year—one upon joining and up to five additional vouchers upon meeting annual spending milestones.
How long is the Premium Economy flight voucher valid?
The voucher remains valid for six months before redemption and can be used within three months after redemption.
How can I activate the complimentary lounge/spa access?
Spend ₹5,000 or more in a calendar month to unlock this benefit, which will then be available for the following month.
What is the foreign exchange markup fee?
A forex markup of 2.99% applies to international transactions.
Can I use CV Points for international flights?
Yes, you can redeem CV Points for both domestic and international Club Vistara flights.
Is an add-on credit card available?
Yes, you can get an add-on Club Vistara IDFC FIRST Credit Card for family members at no extra cost. Lounge access can be shared between the primary and add-on cardholder.
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