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Explore cards from India's leading banks.
Last updated: 20 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 6 CV Points per ₹200 spent
Earn 6 CV Points per ₹200 up to ₹1 Lakh monthly spend; 4 CV Points per ₹200 on spends above ₹1 Lakh; 10 CV Points per ₹200 on dining during your birthday month; 1 CV Point per ₹200 on utility, rent, insurance, and fuel.
Redeem for
The privileges that come bundled in, beyond the reward points.
Milestone Rewards: Up to 5 complimentary Premium Economy flight tickets every anniversary year on achieving spends between ₹1.5 Lakh and ₹12 Lakh.
Lounge Access: 2 complimentary domestic airport lounge and spa visits, plus 1 international lounge visit per quarter (requires ₹20,000 spend in the previous month).
Golf Privileges: 4 complimentary green fee rounds and 12 complimentary golf lessons annually.
Insurance: Trip Cancellation (CFAR) cover up to ₹10,000 on flight and hotel bookings twice a year, plus ₹1 Crore Air Accident Cover.
An honest read on where this card earns its keep — and where it doesn't.
Outstanding milestone benefits yielding up to 5 flight tickets annually
Unique CFAR (Cancellation For Any Reason) trip cancellation insurance
Generous golf lesson and green fee access
Includes domestic airport spa access alongside lounge benefits
Lounge access is contingent on spending ₹20,000 in the preceding month
Steep annual fee of ₹4,999 might not suit infrequent flyers
Forex markup of 2.99% is relatively high for a premium travel card
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with IDFC FIRST Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Club Vistara IDFC First Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Club Vistara IDFC First Credit Card fees, reward conversion, lounge access, and application eligibility.
Club Vistara IDFC First Credit Card has an annual fee of ₹4,999 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "1 complimentary Premium Economy Ticket Voucher, 1 Class Upgrade Voucher, 3 months EazyDiner Prime membership, Club Vistara Silver Membership, and up to 6,000 bonus CV Points upon spending milestone activation.".
Club Vistara IDFC First Credit Card earns CV Points at a primary rate of Up to 6 CV Points per ₹200 spent. Specifically, Earn 6 CV Points per ₹200 up to ₹1 Lakh monthly spend; 4 CV Points per ₹200 on spends above ₹1 Lakh; 10 CV Points per ₹200 on dining during your birthday month; 1 CV Point per ₹200 on utility, rent, insurance, and fuel.. Spends in Travel, Lifestyle, Fuel, Premium categories provide the maximum valueback per transaction on this card.
Rewards earned on Club Vistara IDFC First Credit Card can be redeemed for Vistara Flight Bookings, Flight Class Upgrades via IDFC FIRST Bank's official rewards portal or mobile banking app. Points earned remain valid for 36 months from the transaction date before expiring.
Yes, Club Vistara IDFC First Credit Card features complimentary airport lounge privileges. Privileges include: "Lounge Access: 2 complimentary domestic airport lounge and spa visits". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of Club Vistara IDFC First Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Club Vistara IDFC First Credit Card is issued on the MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Club Vistara IDFC First Credit Card levies a forex markup fee of 2.99% + GST of the transaction amount on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Club Vistara IDFC First Credit Card currently features a welcome offer: "1 complimentary Premium Economy Ticket Voucher, 1 Class Upgrade Voucher, 3 months EazyDiner Prime membership, Club Vistara Silver Membership, and up to 6,000 bonus CV Points upon spending milestone activation.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Outstanding milestone benefits yielding up to 5 flight tickets annually and Unique CFAR (Cancellation For Any Reason) trip cancellation insurance. However, keep in mind that Lounge access is contingent on spending ₹20 and 000 in the preceding month. Overall, Club Vistara IDFC First Credit Card delivers strong value if your regular spending aligns with Travel, Lifestyle, Fuel, Premium.
Yes, Club Vistara IDFC First Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
