IDFC Vistara Credit Card
Updated on September 1, 2026
🎖️Reward Rate
6 Club Vistara Points per ₹200 spent on spends up to ₹1,00,000 per billing month
Overview
Get Club Vistara IDFC FIRST Credit Card online to enjoy premium travel experience. Avail flight ticket offers, golf rounds & airport lounge access, CV points etc.
Rewards
Reward Type
Air Miles
Reward Rate
- • 6 Club Vistara Points per ₹200 spent on spends up to ₹1,00,000 per billing month
- • 4 Club Vistara Points per ₹200 spent on spends above ₹1,00,000 per month
- • 10 Club Vistara Points per ₹200 spent on dining on your birthday
Welcome Benefit
1 Complimentary Premium Economy Flight Ticket voucher + 1 One-Class Upgrade voucher + 3 Months EazyDiner Prime membership.
Milestone Benefit
1 Complimentary Premium Economy Flight Ticket; 1 Additional Complimentary Premium Economy Flight Ticket; 1 Additional Complimentary Premium Economy Flight Ticket; 1 Additional Complimentary Premium Economy Flight Ticket (up to 5 tickets total/year)
Redemption
- • Direct 1:1 auto-credit to your Club Vistara / Air India Flying Returns frequent flyer account
- • Redeem for flight tickets, cabin upgrades, and partner airline award seats
Benefits
- Domestic Lounge: 8 visits
- International Lounge: 4 visits
- Complimentary Golf Rounds: 1 complimentary golf lesson/round every calendar month across top golf courses in India.
- Complimentary Domestic Airport Spas: 4 complimentary airport spa visits per calendar year (1 per quarter) at major airports.
Things to Know Before you apply
IDFC Vistara Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried or Self-Employed with minimum annual income of ₹12,00,000
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹4,999 |
| Annual Fee | ₹4,999 |
| Foreign Currency Mark-up Fee | 2.99% |
| Cash Advance Fee | ₹250 per transaction with dynamic APR |
Fee waiver: 1 Complimentary Premium Economy flight ticket voucher credited on annual fee payment every year.
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
The Apply for Club Vistara IDFC FIRST Credit Card Online issued by IDFC is a top choice in India for everyday transactions and cashback. It features 3.5% forex markup and generous reward multipliers.
Pros
- • Every swipe brings you closer to an extraordinary lifestyle
- • 6 Maharaja Points: Spends up to ₹1 lakh
- • 4 Maharaja Points: Spends above ₹1 lakh
- • High value reward program
- • Wide merchant acceptance
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
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- • 1 Complimentary Premium Economy Flight Ticket voucher + 1 One-Class Upgrade voucher + 3 Months EazyDiner Prime membership.
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
- • 6 Club Vistara Points per ₹200 spent on spends up to ₹1,00,000 per billing month
- • 4 Club Vistara Points per ₹200 spent on spends above ₹1,00,000 per month
- • 10 Club Vistara Points per ₹200 spent on dining on your birthday
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • 24 Reward Points per ₹150 on fuel purchases at HPCL retail outlets, LPG purchases and via HP Pay App (up to 5% savings)
- • 10 Reward Points per ₹150 on utility & departmental store spends (up to 2% savings)
- • 2 Reward Points per ₹150 on all other categories
- • Accelerated points and fuel surcharge waiver apply only at eligible HPCL fuel outlets
- • Every swipe brings you closer to an extraordinary lifestyle
- • 6 Maharaja Points: Spends up to ₹1 lakh
- • 4 Maharaja Points: Spends above ₹1 lakh
- • High value reward program
- • Wide merchant acceptance
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Up to 5% savings on HPCL fuel, LPG and HP Pay App transactions
- • Low ₹499 joining and annual fee
- • 4 complimentary domestic lounge visits per year
- • Annual fee waiver on ₹50,000 spend
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Accelerated rewards and surcharge waiver limited to eligible HPCL outlets
- • Age eligibility differs by employment type (21–60 salaried, 24–65 self-employed)
- • No specific minimum income figure disclosed