INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official idfcfirstbank.com (IDFC FIRST Bank) Most Important Terms and Conditions (MITC).

🏛️IDFC FIRST Bank Ltd.Network: Mastercard WorldTravel & Aviation CardsLast Verified: 2026-09-28

Club Vistara IDFC FIRST Credit Card

क्लब विस्तारा आईडीएफसी फर्स्ट क्रेडिट कार्ड

Aviation card offering 1 complimentary Premium Economy ticket welcome, Silver tier membership, up to 5 milestone flight tickets, and 1.99% forex markup.

Annual Fee₹4,999 + GST (Renewal: ₹4,999 + GST)

Reward Rate6 CV Points per ₹200 spent on regular retail spends up to ₹1 Lakh per month. 4 CV Points per ₹200 on spends above ₹1 Lakh. 1 CV Point per ₹200 on utility, insurance, and fuel spends.

Airport Lounge8 complimentary domestic airport lounge visits per calendar year (2 visits per calendar quarter) at participating domestic lounges. 4 complimentary domestic railway lounge visits per quarter.

Forex MarkupLow 1.99% + GST markup on foreign currency transactions.

What Is This Card

Club Vistara IDFC FIRST Credit Card is a premium aviation co-branded credit card tailored for business travelers and frequent flyers. It provides 1 complimentary Premium Economy flight ticket voucher upon joining and renewal, Club Vistara Silver tier status, up to 5 milestone flight tickets yearly, and a low 1.99% forex markup.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹4,999 + GST (Renewal: ₹4,999 + GST)

Fee Waiver: No spend-based waiver; each annual fee payment of ₹4,999 awards 1 complimentary Premium Economy flight ticket voucher and renewal CV points.

🎁Welcome Benefit

1 complimentary Premium Economy domestic flight ticket voucher on Air India/Vistara, plus complimentary Club Vistara Silver Tier membership and 1 Class Upgrade voucher.

⚡Reward Points Structure

6 CV Points per ₹200 spent on regular retail spends up to ₹1 Lakh per month. 4 CV Points per ₹200 on spends above ₹1 Lakh. 1 CV Point per ₹200 on utility, insurance, and fuel spends.

Redemption Value: 1 CV Point = ₹1.00 directly redeemable for award flight tickets on Air India / Vistara domestic and international routes.

🛫Airport & Railway Lounge Access

8 complimentary domestic airport lounge visits per calendar year (2 visits per calendar quarter) at participating domestic lounges. 4 complimentary domestic railway lounge visits per quarter.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹1 Crore. Emergency overseas medical treatment cover up to $15,000. Loss of baggage cover up to ₹50,000.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts up to ₹4,000 (maximum waiver of ₹300 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Up to 5 complimentary Premium Economy flight ticket vouchers annually on reaching milestone spends of ₹1.5L, ₹3L, ₹4.5L, ₹9L, and ₹12L.

Interest-Free Period: Up to 48 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Air India and Vistara network merger terms apply to award ticket redemption. No complimentary international airport lounge access. Mandatory annual renewal fee of ₹4,999 without spend-based waiver.

Forex Markup FeeLow 1.99% + GST markup on foreign currency transactions.

Cash Advance FeeFlat ₹250 per transaction with 0% interest for up to 48 days until payment due date.

Finance Charges (Interest)Dynamic APR starting from 0.75% to 3.50% per month (9.00% to 42.00% per annum).

Late Payment Slabs15% of Total Amount Due (Minimum ₹100, Maximum ₹1,250 + GST).

Reward Points ExpiryCV Points expire 3 years (36 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Rent payments and wallet top-ups do not earn CV Points.

Eligibility Criteria

Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹75,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹9,00,000.

Age Requirement21 to 65 Years

Minimum Income₹75,000/month (Salaried) / ₹9,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 750+ is standard.

SBI RelationshipNot mandatory. Must hold an active Club Vistara / Air India frequent flyer membership number.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit idfcfirstbank.com/club-vistara or apply via IDFC FIRST Mobile app.

2Enter PAN, mobile number, and your Club Vistara membership number.

3Confirm monthly income and employer details.

4Upload identity, residence, and income verification documents.

5Complete online Video KYC session with bank official.

6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any IDFC FIRST Bank branch with self-attested copies of PAN, Aadhaar, salary slip, and CV member ID.

Visit Official Card Page (idfcfirstbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with Form 16 OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Club Vistara IDFC FIRST Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: 15% of Total Amount Due (Minimum ₹100, Maximum ₹1,250 + GST).. In addition, revolving finance charges at Dynamic APR starting from 0.75% to 3.50% per month (9.00% to 42.00% per annum). will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on Club Vistara IDFC FIRST Credit Card into EMI?

Yes, IDFC FIRST Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on Club Vistara IDFC FIRST Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into IDFC FIRST Bank Ltd.'s official mobile banking application or web portal. 1 CV Point = ₹1.00 directly redeemable for award flight tickets on Air India / Vistara domestic and international routes. Please note: CV Points expire 3 years (36 months) from the date of accrual.

What is the interest-free grace period on Club Vistara IDFC FIRST Credit Card and how does it work?

The interest-free period on Club Vistara IDFC FIRST Credit Card is Up to 48 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Dynamic APR starting from 0.75% to 3.50% per month (9.00% to 42.00% per annum).) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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