IDFC Vistara Credit Card
Verified · August 20, 2026
4.5/5.0
Updated on August 20, 2026
🎖️Reward Rate
Every swipe brings you closer to an extraordinary lifestyle
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
Cashback
Reward Rate
- • Every swipe brings you closer to an extraordinary lifestyle
- • 6 Maharaja Points: Spends up to ₹1 lakh
Welcome Benefit
Complimentary activation bonus upon fee payment
Milestone Benefit
*Applicable Billing Cycles: Billing statement for month 2, 3 and 4 from date of joining; Maharaja points shall be credited in your Maharaja Club account within 5 working days after statement generation.; Below is an illustrative example, considering the billing cycle starts from 17 th of the month to 18 th of the next month; Statement 1; Statement 2; Statement 3; Statement 4; Card generated; 11 July; Statement date; 17 July; 17 Aug; 17 Sep; 17 Oct; No. of days; 30 days; Spend threshold; Spends will NOT to be considered for activation Maharaja points; 30 K; Bonus reward; 2000 Maharaja Points
Redemption
Redeem for flight/hotel bookings, brand vouchers, and statement cash credit
Benefits
- Joining Benefits: • Get 1 complimentary Premium Economy Ticket Voucher* • Get 1 One Class Upgrade Voucher* • Enjoy 3 months complimentary EazyDiner Prime membership
- Joining Benefits:
- • Get 1 complimentary Premium Economy Ticket Voucher*
- • Get 1 One Class Upgrade Voucher*
- • Enjoy 3 months complimentary EazyDiner Prime membership
- Complimentary Maharaja Club Silver Membership: • Priority airport check in • Increased Check-In Baggage allowance within and outside India • Priority Waitlist Clearance & Complimentary In flight Wi-fi
- Complimentary Maharaja Club Silver Membership:
- • Priority airport check in
- • Increased Check-In Baggage allowance within and outside India
- • Priority Waitlist Clearance & Complimentary In flight Wi-fi
- Power Up Your Spends: • Earn up to 6 Maharaja Points* on all spends including Utility bill payments, Insurance, Fuel, Rent & Wallet Load
- Power Up Your Spends:
- • Earn up to 6 Maharaja Points* on all spends including Utility bill payments, Insurance, Fuel, Rent & Wallet Load
- Bonus Maharaja Points: • Get up to 6000 bonus Maharaja Points on crossing monthly spend milestones in the first 3 months*
- Bonus Maharaja Points:
- • Get up to 6000 bonus Maharaja Points on crossing monthly spend milestones in the first 3 months*
- Spend Milestone Benefits: • Unlock up to 5 Premium Economy Ticket Vouchers every anniversary year
- Spend Milestone Benefits:
- • Unlock up to 5 Premium Economy Ticket Vouchers every anniversary year
- Airport Lounge Access: • Enjoy 8 complimentary visits to domestic airport lounges along with 4 complimentary visits to international airport lounges yearly*
- Airport Lounge Access:
- • Enjoy 8 complimentary visits to domestic airport lounges along with 4 complimentary visits to international airport lounges yearly*
- Golf Benefits: • Enjoy 12 complimentary golf lessons and 4 complimentary rounds of golf every year
- Golf Benefits:
- • Enjoy 12 complimentary golf lessons and 4 complimentary rounds of golf every year
- Trip Cancellation Cover: • Get trip cancellation cover up to ₹ 10,000 on flight and hotel booking (2 claims annually)
- Trip Cancellation Cover:
- • Get trip cancellation cover up to ₹ 10,000 on flight and hotel booking (2 claims annually)
- Savings On International Spends: • Take advantage of competitive forex mark-up of just 2.99% on international transactions
- Savings On International Spends:
- • Take advantage of competitive forex mark-up of just 2.99% on international transactions
- Fees: • Joining Fee (1st Year) - ₹ 4,999 + GST • Annual Fee (2nd Year onwards) - ₹ 4,999 + GST *Terms & Conditions Applicable
- Fees:
- • Joining Fee (1st Year) - ₹ 4,999 + GST
- • Annual Fee (2nd Year onwards) - ₹ 4,999 + GST
- *Terms & Conditions Applicable
- Elevate your travel experience with our joining privileges
- 1 Premium Economy Ticket Voucher 1 One – Class Upgrade e–Voucher
- Maharaja Club Silver Membership EazyDiner Prime membership for 3 months
- Golf Benefits on Vistara Credit Card India Golf Program Know More • 4 com
Things to Know Before you apply
IDFC Vistara Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried: > ₹35,000/month; Self-Employed: ITR > ₹6,00,000
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹4,999 |
| Annual Fee | ₹4,999 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (Min ₹500) |
Fee waiver: N/A
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
Compare with Similar Cards
Rating
4.5/5
5.0/5
Highest rated4.5/5
Fee Details
Joining Fee
₹4,999
Annual/Renewal Fee
₹4,999
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
Free
Annual/Renewal Fee
Free
Welcome Benefit
- • Complimentary activation bonus upon fee payment
- • 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
- • Complimentary activation bonus upon fee payment
Reward/Cashback Rate
- • Every swipe brings you closer to an extraordinary lifestyle
- • 6 Maharaja Points: Spends up to ₹1 lakh
- • 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
- • 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
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
- • Lifetime Free card with zero annual charges
- • 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
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified