Our Money Guide
Club Vistara IDFC First Credit Card

Pros and Cons

Pros

  • Good card for Vistara premium economy travellers
  • Depending on premium economy ticket prices, it maybe possible to get approximately 10% benefits on your card spends – 7% through the milestone program and 3% on card spends

Cons

  • Not a suitable card for non-Vistara travellers. You will also need to consider other cards to earn rewards on your other major card spends like shopping etc.

Comparison With Other Credit Cards

Features
IDFC FIRST WOW! Credit Card
Our Rating
       
APPLY NOW
Reward Rates 0.66%

Other benefits Fuel surcharge waiver of 1%
Annual Fee Nil

Annual Fee Offers Nil
Minimum Income Not Specified

Features & Benefits of Club Vistara IDFC First Credit Card

Upto 5 Vistara premium economy class tickets based on annual card spend (milestone program)

1. On yearly card spend of ₹1.50 lakhs, you get 1 premium economy ticket
2. On yearly card spend of ₹3 lakhs, you get 1 additional premium economy ticket
3. On yearly card spend of ₹4.50 lakhs, you get 1 additional premium economy ticket
4. On yearly card spend of ₹9 lakhs, you get 1 additional premium economy ticket
5. On yearly card spend of ₹12 lakhs, you get 1 additional premium economy ticket

3% reward (in Club Vistara points), on all monthly card spends upto ₹1 lakh || 2% reward on all monthly card spends above ₹1 lakh

You earn 3 Club Vistara Points, on every ₹100 you spend on your card, till monthly card spend upto ₹1 lakh

You earn 2 Club Vistara Points, on every ₹100 you spend on your card, on monthly card spend above ₹1 lakh

Club Vistara Points can be redeemed on flights & upgrades on Vistara flights and partner airlines.

Exceptions :
– You get 1 CV Point on every ₹100 you spend in the following categories – fuel, insurance, utility, rent & wallet load spends.
– You get no CV points on EMI transactions and cash withdrawals on your card.

Upto 6000 Club Vistara Points – in the 3 months after card generation month

Complimentary visits to airport lounges and spas in India – 2 per quarter

Complimentary visits to airport lounges outside India – 1 per quarter

Complimentary golf rounds (4 per year) and golf lessons (12 per year)

Complimentary insurance benefits

▶︎ Trip Cancellation Reimbursement
– Cancellation For Any Reason (CFAR) Insurance: You get reimbursement up to ₹10,000 on 2 claims, available for hotel and flight booking cancellations. For terms & conditions, please click here

▶︎ Lost card liability up to ₹50,000

▶︎ Travel related insurance covers:
– Air Accident Cover up to ₹1 crore
– Personal Accident Cover of ₹10 lakhs
– Loss of check in baggage up to USD 500
– Delay of check in baggage up to USD 100
– Loss of passport and other documents up to USD 300
– Delay in flight – USD 300
For terms & conditions, please click here

Exclusive offers on IDFC First Credit Cards

IDFC First offers exclusive deals on shopping, travel, dining, health & wellness, entertainment and more.

Please click here to see the latest offers – IDFC First Deals & Offers.

IDFC First customer care

You get 24X7 assistance, please click here to see all available options.

Club Vistara IDFC First Credit Card Fees and Charges

Annual fee

Annual feeAnnual fee offers
1st year joining fee₹4999Welcome offers
✔︎ You get –
– 1 complimentary one-way premium economy class ticket voucher
– 1 one-class upgrade voucher
– 3 month EazyDiner Prime membership
– 3 month BQ Prime subscription

✔︎ You get complimentary Club Vistara Silver Membership
Renewal fee from 2nd year onwards₹4999Renewal offers
✔︎ You get 1 complimentary one-way premium economy class ticket, each year

✔︎ 1 one-class upgrade voucher

✔︎ Club Vistara Silver Membership will be renewed

Late payment fee

Late payment fee is charged if you do not pay even the minimum amount due on your card bill, before the bill due date. You will be charged 15% of the total amount due , with a minimum charge of ₹100 and a maximum charge of ₹1300.

Finance charges
0.75% – 3.65% per month (9% – 43.8% per annum), depending on the profile of the cardholder.

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – IDFC First Credit Card Fees & Charges

Eligibility Criteria

Minimum income requirementsNot specified
Minimum age18 years
Occupation Salaried, self-employed
Credit scorePreferably above 750

Application Process & Tracking Your Application Status

Step-by-step guide

Online application process 
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the IDFC First Bank website. You can also visit official website of the bank and fill out the application form.

Steps –
Fill out the online application form with basic personal details
Fill out additional details along with basic documents details
Verification and opening of card
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Tracking your application status Click here to track the status of your IDFC Credit Card application.

Necessary documents and verification

Required documents 
PAN card
Copy of Aadhaar card (with first 8 digits masked) or any valid government address proof
Income documents : salary slip, income tax return etc.

In addition to these, you may be asked to provide additional documents on a case to case basis.
Apply Now

on IDFC First Bank website

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