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IDFC Vistara Credit Card

Verified · September 1, 2026
4.5/5.0

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

ParticularsAmount
Joining Fee₹4,999
Annual Fee₹4,999
Foreign Currency Mark-up Fee2.99%
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

4.5/5

What 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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Fee Details

Joining Fee

₹4,999

Annual/Renewal Fee

₹4,999

Joining Fee

₹7,000

Annual/Renewal Fee

₹7,000

Joining Fee

₹499

Annual/Renewal Fee

₹499

Lowest fees
Welcome Benefit
  • 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
  • 2,000 bonus reward points (worth ₹500) on spending ₹5,000 within 60 days of card issuance + cashback of ₹100 on first transaction of ₹1,000+ on HP Pay App.
Reward/Cashback 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
  • 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 spent on HPCL fuel, LPG, and lubricants via HP Pay App (4% valueback + 1% surcharge waiver = 5% total savings)
  • 10 Reward Points per ₹150 spent on Groceries and Departmental Stores (up to 1,000 points/month)
  • 2 Reward Points per ₹150 spent on all other domestic retail categories
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
  • 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
  • Shift to your shopping gear and avail up to 2% Savings (10 Reward Points for every ₹150 spent) on utility & departmental stores*. Get 2 Reward Points for every ₹150 spent on other categories. - Accelerated Reward Points and Fuel Surcharge Waiver benefits will be provided only on fuel transactions done...
  • Movie & Travel Fun Fuel the wanderlust in you with 4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges for primary cardholders***. Click Here to check the airport lounge list and eligibility criteria. Get 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction at... Read more
  • High value reward program
  • Wide merchant acceptance
Cons
  • 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
  • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified