IDFC Club Vistara Card - Air Travel Rewards & Perks

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Features of IDFC FIRST Club Vistara Credit Card

Reward Points Structure:
The card's reward points system was one of its standout features, offering Club Vistara (CV) Points, which transitioned to Maharaja Points after the merger. Cardholders earned 6 CV Points for every ₹200 spent up to ₹1 lakh per statement cycle (approx. 2.4% return). For spends above ₹1 lakh, the rate was 4 CV Points per ₹200 (1.6% return). Dining spends on birthdays earned 10 CV Points per ₹200 (4% return).
Complimentary Vouchers and Membership:
Upon joining and annual renewal (until March 31, 2025), cardholders received one complimentary Premium Economy Ticket Voucher (valued ~₹5,500) and a one-class upgrade e-voucher. They also received complimentary Club Vistara Silver Membership with priority check-in, boarding, and extra baggage allowance.
Airport Lounge and Spa Access:
Cardholders could enjoy two complimentary domestic airport lounge visits and one international lounge visit per quarter by spending ₹20,000 in the previous month. One complimentary spa visit per quarter was also included.

- Complimentary Vouchers and Membership:
- Premium Economy Ticket Voucher: On joining and annual renewal (until March 31, 2025), cardholders get one complimentary Premium Economy Ticket Voucher, redeemable on Vistara (now Air India). Valued around ₹5,500 after redemption charges.
- Class Upgrade Voucher: One-class upgrade e-voucher on joining and renewal (e.g., Economy to Premium Economy or Premium Economy to Business Class).
- Club Vistara Silver Membership: Complimentary Silver-tier membership with priority check-in, boarding, and 5 kg extra baggage. Post-merger, benefits continue under Air India’s Maharaja Club.
- Airport Lounge and Spa Access:
- Domestic Lounge Access: Two complimentary domestic airport lounge visits per quarter on spending ₹20,000 in previous month.
- International Lounge Access: One complimentary international lounge visit per quarter under same spending condition.
- Spa Access: One complimentary spa visit per quarter included.
- Golf and Dining Benefits:
- Complimentary Golf Rounds: Four rounds per year (max one per month) plus 12 golf lessons annually.
- EazyDiner Prime Membership: Three-month complimentary membership with 25–50% restaurant discounts.
- BQ Prime Subscription: Three-month free subscription to premium business and financial news.
- Travel Insurance Coverage:
- Cancellation for Any Reason (CFAR): Up to ₹10,000 claim for flight/hotel cancellations (max two claims/year).
- Air Accident Cover: ₹1 crore cover for air travel accidents.
- Personal Accident Cover: ₹10 lakh cover for accidents or disability while traveling.
- Additional Coverage: USD 1,200 for baggage loss/delay, passport loss, and flight delays.
- Low Forex Markup Fee: Competitive 2.99% foreign currency markup on international transactions, lower than many competitors.
- Milestone-Based Ticket Vouchers:
- Earn up to 5 Premium Economy Ticket Vouchers by reaching annual spends:
- ₹1.5 lakh: 1 voucher
- ₹3 lakh: 1 additional voucher
- ₹4.5 lakh: 1 additional voucher
- ₹9 lakh: 1 additional voucher
- ₹12 lakh: 1 additional voucher
- Vouchers valued approx ₹27,500 total.
- Add-On Card Benefits: Free add-on cards for family with shared credit limit and rewards; add-on users get lounge access but no separate tickets or Club IDs.
- Global Acceptance and Security: Accepted worldwide with chip-and-pin technology for secure transactions.
- Interest-Free Cash Withdrawals: Cash withdrawal up to 48 days interest-free with ₹199 + GST fee per transaction.

Benefits of IDFC FIRST Club Vistara Credit Card

Complimentary Premium Economy Voucher: The card provided one complimentary Premium Economy Ticket Voucher upon joining and renewal (until March 31, 2025), saving cardholders approximately ₹5,500 per voucher. This was particularly valuable for domestic flights, such as Delhi to Goa.
Milestone Ticket Vouchers: High spenders could earn up to five additional Premium Economy Ticket Vouchers by meeting annual spending milestones (discontinued post-March 31, 2025). This offered significant savings, with a total value of up to ₹27,500 for five vouchers.
Enhanced Travel Experience: The card elevated the travel experience through exclusive perks: Club Vistara Silver Membership: The complimentary Silver-tier membership provided priority check-in, priority boarding, and an extra 5 kg baggage allowance, streamlining the airport experience. Post-merger, equivalent benefits are available under the Maharaja Club. Airport Lounge Access: Two domestic and one international lounge visit per quarter, activated by spending ₹20,000 monthly, offered a comfortable space to relax during layovers. Spa access added a luxurious touch. Low Forex Markup Fee: The 2.99% forex markup fee reduced costs for international transactions, making the card cost-effective for overseas travel and purchases.

- Enhanced Travel Experience: The card elevated the travel experience through exclusive perks:
- Club Vistara Silver Membership: The complimentary Silver-tier membership provided priority check-in, priority boarding, and an extra 5 kg baggage allowance, streamlining the airport experience.
- Airport Lounge Access: Two domestic and one international lounge visit per quarter, activated by spending ₹20,000 monthly, offered a comfortable space to relax during layovers. Spa access added a luxurious touch.
- Low Forex Markup Fee: The 2.99% forex markup fee reduced costs for international transactions, making the card cost-effective for overseas travel and purchases. These perks ensured a seamless and enjoyable travel experience.
- Reward Points for Redemption: The card’s reward points system allowed cardholders to maximize their spending:
- CV Points Accumulation: Earning up to 6 CV Points per ₹200 and 4 CV Points thereafter enabled cardholders to accumulate points quickly. Birthday dining spends earned 10 CV Points per ₹200, boosting rewards.
- Maharaja Points Redemption: Post-merger, Maharaja Points can be redeemed for Award Flights and Cabin Upgrades with Air India and Star Alliance partners, offering flexibility for global travel. Points are valid for 36 months.
- Activation Bonus: New cardholders could earn up to 6,000 CV Points by spending ₹30,000 in each of the second, third, and fourth billing cycles, providing a strong incentive to use the card early.
- Lifestyle and Dining Perks: The card extended benefits to lifestyle and dining:
- EazyDiner Prime Membership: A three-month complimentary membership offered 25–50% discounts at premium restaurants, saving cardholders on dining expenses.
- Golf Benefits: Four complimentary golf rounds and 12 lessons per year catered to golf enthusiasts, adding a premium lifestyle element.
- BQ Prime Subscription: A three-month subscription to BQ Prime provided access to exclusive business news, appealing to professionals. These benefits enhanced the cardholder’s lifestyle beyond travel.
- Comprehensive Insurance Coverage: The card’s insurance benefits provided financial security:
- CFAR Insurance: Up to ₹10,000 reimbursement for flight and hotel cancellations (two claims annually) offered flexibility for changing travel plans.
- Air and Personal Accident Cover: A ₹1 crore air accident cover and ₹10 lakh personal accident cover protected against major travel-related risks.
- Baggage and Delay Coverage: USD 1,200 coverage for baggage loss/delay, passport loss, and flight delays addressed common travel inconveniences. These benefits ensured peace of mind during travel.
- Add-On Card Advantages: The add-on card feature allowed cardholders to share benefits with family or friends:
- No Fees for Add-On Cards: Add-on cards were issued without joining or annual fees, making it cost-effective to extend benefits.
- Contributes to Milestones: Spends by add-on cardholders counted toward the primary cardholder’s milestones and reward points, accelerating rewards.
- Shared Lounge Access: Lounge access was transferable between primary and add-on cardholders, enhancing flexibility. This feature made the card family-friendly and rewarding.
- Financial Flexibility: The card offered financial benefits for cash flow management:
- Interest-Free Cash Withdrawals: Cash withdrawals were interest-free for up to 48 days, with a ₹199 fee per transaction, providing emergency cash access.
- Competitive Interest Rates: The card’s interest rate ranged from 0.75–3.5% per month (9–42% annually), offering flexibility for unpaid dues. These features supported cardholders’ financial needs.
- Global Usability and Security: The card’s global acceptance at millions of outlets and ATMs, combined with chip-and-pin technology, ensured convenience and security for international travelers.

How to Apply for the IDFC FIRST Club Vistara Credit Card

Online Application Process:
- Visit the official website at IDFC FIRST Bank and navigate to the credit cards section.
- Select the Club Vistara IDFC FIRST Credit Card to view details and benefits.
- Review the terms and conditions including fees and rewards.
- Fill the online application form with personal details, PAN, income, and employment info.
- Submit the form and upload scanned copies of required documents.
- Receive an application reference number for tracking.
Application via Mobile App:
- Download the IDFC FIRST Bank mobile app from Play Store or App Store.
- Register or log in, then navigate to the credit cards section.
- Select the Club Vistara card and complete the application form.
- Upload documents securely and submit the form digitally.
- Track application status in real-time through the app.
Application through Bank Branches:
- Locate a nearby IDFC FIRST Bank branch (confirm if they process co-branded card applications).
- Meet a bank representative to receive and fill the physical application form.
- Submit the form along with attested document copies.
- Branch staff will verify original documents at submission.
- Receive a reference number to track your application status.
Customer Care Application:
- Call IDFC FIRST Bank customer care (e.g., 1860 500 1111) to express interest.
- Provide basic details over the phone to start the application.
- Submit documents online or at a branch as guided.
- Receive application status updates through customer care.
Verification and Approval Process:
- KYC verification to confirm identity and address.
- Credit score check (CIBIL score above 750 preferred).
- Income assessment to determine eligibility and credit limit.
- Video KYC (VKYC) may be conducted for identity verification.
- Decision communicated within 7–14 working days; approved cards dispatched within 5–7 days.
Post-Application Steps:
- Activate the card by setting a PIN via mobile app ("Manage Card" → "Set PIN") or by calling customer care.
- Pay joining fee (₹4,999 + GST) to activate welcome benefits like Premium Economy Voucher and Silver Membership.
- Track reward points and benefits via the bank’s app, website, or Club Vistara/Maharaja Club account.
Tips for a Successful Application:
- Maintain a CIBIL score above 750 for better eligibility.
- Provide accurate and consistent information in the application.
- Ensure annual income meets the minimum requirement (₹12 lakh typically).

Eligibility Criteria for IDFC FIRST Club Vistara Credit Card

1. Age Requirements
- Primary Cardholder: 21–60 years old at the time of application.
- Add-On Cardholder: Minimum age 18 years (e.g., spouse, parents, siblings, or children).
2. Income Requirements
- Salaried: Minimum annual income of ₹12 lakh (approx. ₹1 lakh/month).
- Self-employed: Minimum annual income of ₹15 lakh.
- Income Proof: Salary slips/Form 16 for salaried; ITR or audited statements for self-employed.
- Higher incomes preferred to fully utilize premium benefits and meet milestone spends.
3. Credit Score & History
- Minimum CIBIL score of 750+ recommended.
- Clean credit history: No defaults, late payments, or high utilization.
- Existing IDFC FIRST Bank customers may get faster approval.
4. Employment Status
- Salaried: Employed with reputed organization for at least 1 year; minimum 6 months in current role.
- Self-employed: Business operational for 2+ years with consistent income shown via ITR or financials.
- NRI eligibility with required documentation like valid passport and visa.
5. Residency Requirements
- Indian citizens or NRIs with valid Indian passport.
- Permanent Indian address verified via Aadhaar or utility bills.
- Valid Indian mobile number and email for communication and OTP verification.
6. Existing Cardholder Status
- Allowed one core card plus two co-branded cards with shared credit limit.
- Applicants with other Vistara co-branded cards assessed for total credit exposure.
- Preferred debt-to-income ratio below 30% to manage credit comfortably.
7. Specific Requirements for Co-Branded Card
- Ideal for frequent Vistara flyers, especially in Delhi, Mumbai, Bengaluru.
- Must link card to Maharaja Club membership to earn and redeem points.
- Monthly spending capacity of ₹20,000 to activate lounge access and ₹12 lakh annually for milestone benefits.
8. Additional Considerations
- No credit card rejections in the past 6 months preferred.
- Complete KYC required, including video KYC for online applications.
- Approval subject to IDFC FIRST Bank’s internal risk policies.
9. Other Eligibility Factors
- Stable address history over the past 12 months for verification purposes.
- Applicants with existing high-limit cards are viewed favorably.
- Low number of recent credit inquiries (less than 3 in the last 6 months).
- Preference given to applicants with travel and lifestyle spending patterns.
- Eligible only for residents in cities where IDFC FIRST Bank services this credit card product.

Documents Required for IDFC FIRST Club Vistara Credit Card

1. Identity Proof:
- PAN Card (mandatory for tax compliance)
- Aadhaar Card (masking first 8 digits allowed)
- Passport (especially for NRIs)
- Voter ID or Driving License (alternative options)
At least one identity proof is required, with PAN and Aadhaar being most common.
2. Address Proof:
- Aadhaar Card (if address is current)
- Recent Utility Bills (electricity, water, gas – not older than 3 months)
- Registered Rental Agreement
- Passport or Driving License (if address matches current residence)
- Recent Bank Statement (especially for NRIs)
Address proof must match the application form.
3. Income Proof:
Salaried Applicants:
- Latest 3 months’ Salary Slips
- Most recent Form 16
- 6 months’ Bank Statement showing salary credits
Self-Employed Applicants:
- ITR for last 2 years with computation of income
- Audited Financial Statements (P&L and balance sheets certified by CA)
- Business Proof like GST Registration or Business License
Minimum income thresholds: ₹12 lakh (salaried), ₹15 lakh (self-employed).
4. Photograph:
Recent passport-sized photo, colored, plain background, suitable for digital upload or physical submission.
5. Additional Documents for NRIs:
- Valid Passport and Visa Copies
- 6 months’ NRE/NRO Bank Statement
- Overseas Address Proof (Utility Bill or Bank Statement)
- Overseas salary slips or employment contracts, or Indian ITRs
6. Documents for Add-On Cardholders:
- Identity Proof (PAN, Aadhaar, or Passport)
- Passport-sized Photograph
- Relationship Proof (Marriage or Birth Certificate, if requested)
No income proof required for add-ons.
7. Document Submission Guidelines:
- Online: Upload clear scanned copies (PDF/JPEG, max 2 MB)
- Offline: Submit self-attested photocopies with originals for verification
- Ensure consistency in details across all documents and application form
- Documents should be recent and valid
8. Verification and KYC Process:
- KYC verification via government databases (Aadhaar/PAN)
- Video KYC for online applicants
- Physical verification at branches
- Resolution of discrepancies by contacting applicant
9. Tips for Document Preparation:
- Organize documents before application
- Ensure validity and recentness of utility bills and bank statements
- Use high-quality scans for online submission
- Double-check matching of name and address across documents and application
- Contact customer care for clarifications if needed

Factors to Consider for the IDFC FIRST Club Vistara Credit Card

Joining and Annual Fee: The card charged ₹4,999 + GST for both joining and annual renewal, higher than competitors like SBI Vistara Prime (₹2,999 + GST) and Axis Vistara Signature (₹3,000 + GST).
Fee Waiver Post-Merger: For renewals after March 31, 2025, the annual fee is waived, but renewal benefits (e.g., Premium Economy Voucher, Silver Membership) are discontinued.
Value vs. Cost: The fee was justified for frequent Vistara flyers who utilized welcome benefits (valued at over ₹5,000) and milestone vouchers. However, moderate spenders might find the fee high compared to benefits.
Earning Rate: The 6 CV Points per ₹200 (up to ₹1 lakh) and 4 CV Points thereafter offered a 2.4% and 1.6% return, respectively. Post-merger, Maharaja Points maintain the same earning rate but are redeemable across Air India and Star Alliance partners.
Redemption Value: The value of CV/Maharaja Points varied based on flight class, travel date, and route. For example, 18,000 CV Points could redeem a Bengaluru–Delhi Premium Economy ticket, valued at ₹8,000–10,000.
Point Validity: Points were valid for 36 months, requiring strategic redemption to avoid expiry.
Exclusions: No points were earned on EMI transactions or cash withdrawals, limiting rewards for certain spends.
Complimentary Vouchers: The Premium Economy and upgrade vouchers were valuable for frequent flyers, but their discontinuation post-March 31, 2025, reduces the card’s appeal.
Lounge Access: The ₹20,000 monthly spending requirement for lounge access (two domestic, one international per quarter) was achievable for high spenders but challenging for moderate users.
Silver Membership: The Silver-tier benefits (priority check-in, extra baggage) were useful for Vistara flyers, but their relevance depends on Air India’s Maharaja Club equivalent post-merger.
Forex Markup Fee: The 2.99% fee was competitive, benefiting international travelers.
Golf Benefits: Four golf rounds and 12 lessons per year were attractive for golf enthusiasts but irrelevant for others.
Dining Discounts: The three-month EazyDiner Prime membership offered significant savings but was short-term.
BQ Prime Subscription: The three-month subscription appealed to business professionals but had limited long-term value.
CFAR Insurance: The ₹10,000 cancellation cover (two claims annually) provided flexibility, but the cap limited its utility for expensive bookings.
Accident and Baggage Coverage: The ₹1 crore air accident cover, ₹10 lakh personal accident cover, and USD 1,200 baggage/delay coverage were comprehensive but standard for premium cards.
Relevance for Frequent Travel: These benefits were most valuable for frequent travelers facing higher risks.
Milestone Vouchers: Earning five Premium Economy Tickets required ₹12 lakh annual spend, achievable only for high spenders. This offered a 4% return, including points and vouchers.
Lounge Access Threshold: The ₹20,000 monthly spend for lounge access was a barrier for moderate spenders.
Category Exclusions: Low rewards (1 CV Point per ₹200) on fuel, utilities, and rent limited value for everyday spends.
Benefit Discontinuation: Post-March 31, 2025, renewal benefits (vouchers, Silver Membership) and milestone vouchers are discontinued, reducing the card’s value.
Card Closure: The card will be fully discontinued by March 31, 2026, requiring cardholders to transition to alternative cards.
Maharaja Points: Continued earning of Maharaja Points until 2026 offers some value, but redemption options depend on Air India’s program.
SBI Vistara Prime: Lower fees (₹2,999 + GST) and similar benefits (four tickets at ₹8 lakh spend) made it more cost-effective for moderate spenders.
Axis Vistara Signature: A ₹3,000 fee and four tickets at ₹9 lakh spend were competitive, but exclusions on milestone spends reduced value.
IDFC’s Edge: The IDFC card offered five tickets, a lower forex fee, and golf benefits, but higher fees and spending thresholds made it less accessible.

Frequently Asked Questions (FAQs)

1. What is the IDFC FIRST Club Vistara Credit Card?

It is a co-branded credit card offered by IDFC FIRST Bank in partnership with Club Vistara, the frequent flyer program of Vistara Airlines. The card provides benefits related to air travel, rewards, and lifestyle.

2. What are the key benefits of this credit card?

Key benefits include a complimentary Vistara Premium Economy flight ticket as a welcome gift, accelerated CV Points on spends, complimentary lounge access, milestone rewards, and travel-related privileges.

3. Who is eligible to apply for this card?

Applicants should be at least 21 years old (for primary cardholders), have a stable source of income, and meet the bank’s internal credit score and income criteria.

4. What is the joining and annual fee?

The joining fee is ₹4,999 + GST. The renewal fee is the same annually but may be waived or compensated with milestone benefits.

5. What welcome benefits do I get?

As a welcome gift, you receive a complimentary Vistara Premium Economy flight voucher after payment of the joining fee and first transaction within a stipulated period.

6. How do I earn CV Points?

You earn:
• 6 CV Points per ₹200 on travel and dining
• 3 CV Points per ₹200 on all other retail spends (excluding fuel, EMI, and rent)

7. Can I access airport lounges with this card?

Yes, you get 4 complimentary domestic airport lounge accesses per quarter at select airports.

8. Are there milestone benefits?

Yes. For example, on annual spends of ₹1.5 lakh, ₹3 lakh, ₹4.5 lakh, and ₹9 lakh, you can earn up to 4 additional Vistara flight tickets.

9. Is there a fuel surcharge waiver?

Yes, you receive a 1% fuel surcharge waiver on transactions between ₹200 and ₹5,000, up to ₹200 per month.

10. What is the interest-free credit period?

You can enjoy up to 48 days of interest-free credit, subject to your billing cycle and payment history.

11. What are the foreign currency mark-up charges?

The foreign exchange markup fee is 1.99% on all international transactions.

12. Can I convert purchases into EMIs?

Yes, eligible transactions can be converted into EMIs at attractive interest rates through the bank's mobile app or net banking.

13. How do I redeem CV Points?

CV Points can be redeemed for Vistara flight bookings, upgrades, and other rewards through the Club Vistara website or app.

14. Is there a lost card liability protection?

Yes, the card comes with zero liability protection against fraudulent transactions if the card is reported lost or stolen promptly.

15. How do I apply for this credit card?

You can apply online through the IDFC FIRST Bank website, Vistara's website, or visit a nearby branch. You’ll need to submit identity, address, and income proof documents.

List of IDFC FIRST Club Vistara Credit Card Branches in Telangana

Hyderabad - Saroor Nagar
Hyderabad - Secunderabad
Hyderabad - Shaikpet
Hyderabad - Somajiguda
Hyderabad - Vanasthalipuram
Telangana - Jagtial

Telangana - Jangaon
Telangana - Kamareddy
Telangana - Karimnagar
Telangana - Mahbubnagar
Telangana - Mancherial

Telangana - Medak
Telangana - Medchal-Malkajgiri
Telangana - Miryalaguda
Telangana - Nalgonda
Telangana - Nizamabad

Telangana - Peddapalli
Telangana - Rangareddy
Telangana - Siddipet
Telangana - Suryapet
Telangana - Warangal

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