Club Vistara IDFC FIRST credit card - Features, Benefits, Fees & Charges

Club Vistara IDFC FIRST Bank Credit Card (4.8)

Co-Branded Best For: Travel
From
Powered By
12

Do you believe in experiencing luxury and rewards every day? With the Club Vistara IDFC FIRST Bank Credit Card, you can now enjoy the best of both worlds. For a joining and annual fee of just ₹4,999, you get a whole host of benefits, including a premium economy ticket voucher, free Club Vistara Silver Membership, EazyDiner membership and a BQ Prime subscription for 3 months. That's not all! You get 12 free golf lessons, airport lounge access, and a reward rate of 0.8% to 4% on all your spending. Sounds too good to be true? Keep reading to find out more about it. 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus
  • Get 1 Free Premium Economy Ticket Voucher.
  • Buy a premium economy ticket and travel business class with a One Class Upgrade Voucher.
  • Get direct entry to Club Vistara Silver Membership.
  • Enjoy EazyDiner Prime membership: Free for 3 months.
  • Enjoy BQ Prime subscription: Free for 3 months.
  • Get 2000 CV Points in the first 3 billing cycles on minimum spend of ₹30000 per month.

 

Reward Points
  • 6 CV Points on spends up to ₹1 Lakh in each statement cycle
  • 4 CV Points on spends above ₹1 Lakh in each statement cycle
  • 10 CV Points on all dining spends on your Birthday
  • 1 CV Point on every spend done on Fuel, Insurance, Utility, Rent & Wallet Load
  • Each CV Point is earned on a spend of ₹200
  • CV Points are not applicable on EMI Transactions & Cash Withdrawal
  • Reward Rate: 0.8% to 4%
Lounge Access
Travel Benefit

₹10,000 coverage on cancellations of flight and hotel bookings (up to 2 claims a year).

Milestone Benefit

5 Free Premium Economy Ticket Vouchers every anniversary year on crossing spend milestones of:

 

  • ₹1,50,000- 1st  Ticket Voucher
  • ₹3,00,000- 2nd Ticket Voucher
  • ₹4,50,000- 3rd Ticket Voucher
  • ₹9,00,000- 4th Ticket Voucher
  • ₹12,00,000- 5th Ticket Voucher
Insurance Benefit
  • CFAR Trip Cancellation Cover – With the Cancel For Any Reason trip cancellation cover, you can get a refund of up to ₹10,000 on cancelling your flight and hotel bookings made with the card, on 2 cancellations per year.
  • Air accident insurance cover – ₹1 Crore
  • Personal Accident cover –₹10 Lakhs
  • Lost card liability cover – ₹50,000
  • Cover for check-in baggage loss, delay of check-in baggage, flight delay, loss of travel documents – USD 1200
Interest-Free Period

Interest-free cash withdrawals across ATMs globally (up to 48 days)

Other Benefit
  • Recurring benefits on Annual fee payment
    • Get 1 free Premium Economy Ticket Voucher
    • Continued access to Club Vistara Silver Membership
  • Enjoy 12 free golf lessons and 4 free rounds of golf every year

 

 

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹4,999

Annual Fee

₹4,999

Annual Percentage Rate

42%

Add-on Card Fee

Nil

Minimum Repayment Amount

5%

Cash Withdrawal Fee

₹ 199

Cash Advance Limit

NA

Card Replacement Fee

₹100

Foreign Transaction Fee

2.99%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

NA

Reward Point Value

1
Late Payment Charges

Any Amount Due

15 % of Total Amount Due subject to a minimum of ₹ 100 and a maximum of ₹ 1250.
Pros

Aspects that make this credit card amazing.

  1. High earning rate on all eligible spends.
  2. Offers generous welcome bonus.
  3. Free airport lounge access.
  4. 12 free golf lessons per year by Mastercard.
  5. ₹10,000 coverage on cancellations of flight and hotel bookings, upto two claims a year.
Cons

Aspects this credit card lacks.

  1. No fuel surcharge waiver.
  2. No reward points for cash withdrawal or EMI transactions.
  3. High annual fee.
Club Vistara IDFC FIRST Bank Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3.5)

Rewards

(4)

Customer Service

(4)

Club Vistara IDFC FIRST Bank Credit Card Review

The Club Vistara Credit Card is a good option for frequent flyers who are looking for a card that offers a variety of benefits. The card's high earning rate and generous welcome bonus make it a great way to earn CV points quickly. The card's other benefits, such as airport lounge access and travel insurance, are also valuable for frequent travellers.

However, the card's high annual fee may be a deterrent for some people. If you are a frequent flyer who is willing to pay the annual fee, the IDFC FIRST Club Vistara Credit Card is a good option for you. However, if you are not a frequent flyer, you may want to consider a different card with a lower annual fee.

Cards similar to Club Vistara IDFC FIRST Bank Credit Card:
1. Axis Bank Vistara Signature Credit Card
2. Axis Bank Atlas Credit Card
3. SBI Elite Credit Card

Overview

Best For Travel
Rewards 6 CV Point per ₹200 spent, 10 CV Points on dining spends on your Birthday, 1 CV Point on fuel
Welcome Bonus
  • Get 1 Free Premium Economy Ticket Voucher
  • Get 1 One Class Upgrade Voucher
  • Get direct entry to Club Vistara Silver Membership
  • Enjoy EazyDiner Prime membership: Free for 3 months
  • Enjoy BQ Prime subscription: Free for 3 months
Annual/Joining Fee ₹4,999 plus taxes
Card Type Co-branded
Card Network Mastercard

Reward Points offered by Club Vistara IDFC FIRST Bank Credit Card

All spend including Utility bill payments, Insurance, Fuel, Rent & Wallet Load 6 CV Points
Crossing monthly spending milestones in the first 3 months (₹30,000 in each month) 2000 CV Points each month
Spends up to ₹1 Lakh per billing cycle 6 CV Points
All dining spends done on your birthday 10 CV Points

Note: CV points will be calculated per ₹200.

Who should get Club Vistara IDFC FIRST Bank Credit Card?

The IDFC FIRST Club Vistara Credit Card is a good option for frequent flyers who are looking for a card that offers a variety of benefits. The card's high earning rate and generous welcome bonus make it a great way to earn CV points quickly. The card's other benefits, such as airport lounge access and travel insurance, are also valuable for frequent travelers.

Here are some of the people who should consider getting the IDFC FIRST Club Vistara Credit Card:

1. Frequent flyers: The card offers a high earning rate on eligible spend, which makes it a great way to earn CV points quickly. The card also offers free airport lounge access, which can be a valuable perk for frequent flyers.
2. People who travel for work: The card offers travel insurance, which can provide peace of mind when you are traveling for work. The card also offers purchase protection, which can help you if you purchase something that is damaged or stolen.
3. People who are looking for a card with a good rewards program: The IDFC FIRST Club Vistara Credit Card offers a good rewards program. The CV points earned on the card can be redeemed for flights, upgrades, and other rewards.

How to Apply for Club Vistara IDFC FIRST Bank Credit Card?

Step 1: Visit the IDFC FIRST Bank website and navigate to the credit card section.
Step 2: Select the IDFC FIRST Select Credit Card from the available options.
Step 3: Fill out the online application form with personal and financial details.
Step 4: Upload the required documents, such as identity proof and income proof.
Step 5: Submit the application and wait for the bank's decision.
It's always a good idea to carefully review the terms and conditions of the credit card before applying and to consult with a financial advisor or the bank in case of any questions or concerns.

Club Vistara IDFC FIRST Bank Credit Card Eligibility

  • Age: You must be at least 21 years old to apply for the card.
  • Income: You must have a minimum annual income of  ₹3 lakhs to be eligible for the card.
  • Credit score: You must have a good credit score to be eligible for the card.

Documents Required

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
IDFC FIRST Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

IDFC FIRST Bank

IDFC FIRST Bank Credit Card Customer Care Number:

1860 500 9900

IDFC FIRST Bank Card Offers:

View Offers

Total Cards:

27,43,113
IDFC FIRST Bank Credit Card News
02 May 2024, Thursday
1. IDFC First Bank implements utility transaction fee change

IDFC First Bank has declared that starting May 1, 2024, there will be a modification in its policy for credit card payments of utility bills. As per the revised policy, a 1% surcharge, along with GST, will be levied on credit card payments for utility bills that exceed Rs. 20,000 in a statement cycle. However, this additional charge will not be applicable for transactions made with the FIRST Private Credit Card, LIC Classic Credit Card, and LIC Select Credit Card.

04 Apr 2024, Thursday
2. IDFC First Bank Announces Credit Card Devaluation.

IDFC First Bank announced a devaluation of their credit card rewards program, effective from 1 May 2024. Here's a breakdown of the key changes:

  • Reduced reward points: Across all cards, reward points are now earned at a rate of 3 points per every Rs. 150 spent, compared to the previous system that offered higher points for specific categories like online shopping.

  • Lounge access changes: For most cards, complimentary airport lounge access now requires a minimum spend of Rs. 20,000 in the previous calendar month.

  • Charges on utility bill payments: A 1% surcharge applies to total utility bill payments exceeding Rs. 20,000 in a statement cycle (except for Private, LIC Classic and LIC Select cards).

  • Rent payments: A fee of Rs. 249 or 1% (whichever is higher) is charged on rent payments made through the credit card.

There are some exceptions to these changes, particularly for the IDFC FIRST Bank Private Credit Card, which remains largely unaffected.

15 Dec 2023, Friday
3. LIC Cards, IDFC First Bank, and Mastercard Join Hands to Launch Co-Branded Credit Cards.

IDFC First Bank, LIC Cards, and Mastercard have announced their joint venture to launch an exclusive co-branded credit card to cater to the dynamic financial needs of the country. In a joint statement released on Thursday, the credit card comes in two variants - LIC Classic and LIC Select. The credit cards offer policyholders across the country an opportunity to save reward points on every LIC insurance premium payment.
Apart from the reward points, the credit card also comes with a host of other benefits, including up to Rs 50,000 cover for lost card liability and personal accident insurance cover of up to Rs 5 lakh. The additional benefits will be extended to LIC policyholders who opt for this credit card, along with co-brand benefits. This initiative is expected to benefit more than 27 crore policyholders across India. 
 

11 Apr 2023, Tuesday
4. IDFC FIRST Bank launches co-branded fuel credit card

Targeting the lifestyle needs of its consumers, as well as improving their savings on mobility and utility spends, IDFC FIRST Bank has partnered with HPCL to launch two co-branded cards. The two new cards are being named FIRST Power and FIRST Power+. Bankers can apply for the FIRST Power and FIRST Power+ cards through the bank’s website, its app for select bank branches, and select HPCL pumps and stations.

Club Vistara IDFC FIRST Bank Customer Reviews

No Customer reviews yet. Be the first to review this card.

Frequently Asked Questions

The documents required to apply for the IDFC FIRST Club Vistara Credit Card include:

  • Proof of identity (e.g., passport, driver's license, or Aadhaar card)
  • Proof of address (e.g., utility bill or bank statement)
  • Proof of income (e.g., salary slip or tax return)

You can apply for the IDFC FIRST Club Vistara Credit Card online or by calling the bank's customer service number.

The annual fee for the IDFC FIRST Club Vistara Credit Card is ? 4,999 + GST.

The IDFC FIRST Club Vistara Credit Card offers a number of benefits, including:

  • Earn Club Vistara (CV) points on all eligible spend, which can be redeemed for flights, upgrades, and other rewards.
  • Complimentary airport lounge access
  • Travel insurance
  • Purchase protection
  • 0% interest on EMI transactions for up to 36 months
  • High spending limit

CV points can be redeemed for flights, upgrades, and other rewards on Vistara flights. The redemption value of CV points varies depending on the redemption option you choose.

Similar Credit Cards

HDFC Bank Infinia Metal Edition (4.7) Full Details

Premium
Best For : Travel
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹1

Joining Fee

₹12,500

Annual Fee

₹12,500

Annual Percentage Rate

23.88%

Axis Bank Atlas (4.6) Full Details

Travel
Best For : Travel
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹1

Joining Fee

₹5,000

Annual Fee

₹5,000

Annual Percentage Rate

52.86%

American Express Platinum Travel (4.5) Full Details

Travel
Best For : Travel
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.50

Joining Fee

₹ 3,500

Annual Fee

₹ 5,000

Annual Percentage Rate

42%

Kotak Indigo Ka-ching 6E Rewards (4.5) Full Details

Co-Branded
Best For : Travel
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹1

Joining Fee

₹700

Annual Fee

₹700

Annual Percentage Rate

42%

RBL Bank World Safari (4.5) Full Details

Lifestyle
Best For : Travel
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.25

Joining Fee

₹3,000

Annual Fee

₹3,000

Annual Percentage Rate

47.88%