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 indusind.com (IndusInd Bank) Most Important Terms and Conditions (MITC).

🏛️IndusInd Bank Ltd.Network: Visa InfiniteTravel & Aviation CardsLast Verified: 2026-09-28

Club Vistara IndusInd Bank Explorer Credit Card

क्लब विस्तारा इंडसइंड बैंक एक्सप्लोरर क्रेडिट कार्ड

Super-premium aviation card offering Business Class ticket vouchers, ZERO forex markup (0%), Gold status, and 32 global lounge visits.

Annual Fee₹40,000 + GST Joining (Renewal: ₹10,000 + GST)

Reward Rate8 CV Points per ₹200 on airline and hotel spends. 6 CV Points per ₹200 on other retail purchases. 1 CV Point per ₹200 on utility and insurance spends.

Airport Lounge16 complimentary domestic airport lounge visits per calendar year (4 visits per calendar quarter). 16 complimentary international lounge visits per calendar year via Priority Pass with guest access privileges.

Forex MarkupZERO Forex Markup (0.00% markup on foreign currency spends — complete saving on international travel).

What Is This Card

Club Vistara IndusInd Bank Explorer Credit Card is India's most prestigious aviation credit card. Tailored for C-suite executives and luxury globe-trotters, it offers a complimentary Business Class flight voucher on joining, Club Vistara Gold status, up to 5 milestone Business Class tickets annually, 32 lounge visits worldwide, and ZERO FOREX MARKUP (0.00%).

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹40,000 + GST Joining (Renewal: ₹10,000 + GST)

Fee Waiver: Spend ₹10,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹10,000 waived.

🎁Welcome Benefit

1 complimentary Business Class domestic flight ticket voucher on Air India/Vistara, luxury gift voucher worth ₹25,000 (Oberoi Hotels / Luxe Gift Card), plus complimentary Club Vistara Gold Tier membership status.

⚡Reward Points Structure

8 CV Points per ₹200 on airline and hotel spends. 6 CV Points per ₹200 on other retail purchases. 1 CV Point per ₹200 on utility and insurance spends.

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

🛫Airport & Railway Lounge Access

16 complimentary domestic airport lounge visits per calendar year (4 visits per calendar quarter). 16 complimentary international lounge visits per calendar year via Priority Pass with guest access privileges.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹3 Crores. Emergency overseas hospitalization cover up to $50,000. Baggage loss cover up to ₹1 Lakh.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000.

🎯Milestone Spends & Grace Period

Milestones: Up to 5 additional Business Class flight ticket vouchers annually on reaching milestone annual spends of ₹3L, ₹6L, ₹9L, ₹12L, and ₹15L (up to 6 Business Class tickets yearly). ZERO FOREX MARKUP (0.00% forex fee).

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Steep one-time joining fee of ₹40,000 + GST. High annual fee of ₹10,000 with a ₹10 Lakhs spend waiver hurdle. Business class ticket voucher taxes must be paid by the cardholder.

Forex Markup FeeZERO Forex Markup (0.00% markup on foreign currency spends — complete saving on international travel).

Cash Advance Fee2.5% of withdrawn amount or ₹300 (whichever is higher) + 3.50% monthly finance charges.

Finance Charges (Interest)3.50% per month (42.00% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹350 for ₹501–₹1,000; ₹550 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).

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

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, and rent payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹2,50,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹30,00,000.

Age Requirement21 to 65 Years

Minimum Income₹2,50,000/month (Salaried) / ₹30,00,000/year ITR (Self-Employed)

CIBIL Score NoteA pristine credit score of 780+ is required.

SBI RelationshipIndusInd Pioneer or Private Banking relationship preferred.

How to Apply (Official Procedure)

Online Digital Application Flow

1Contact designated IndusInd Pioneer Relationship Manager or apply at indusind.com/explorer.

2Submit PAN, mobile number, and Club Vistara / Air India frequent flyer number.

3Verification of audited financials and corporate designation.

4Underwriting committee approves credit limit (minimum ₹8 Lakhs).

5Complete online Video KYC session with bank official.

6Handcrafted luxury card delivered via specialized courier within 5 business days.

Branch Application for Offline Applicants

Apply through any IndusInd Pioneer Banking lounge with audited ITR computation, salary slips, and CV member ID.

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

Documents Required

1. PAN Card (statutory requirement)

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

3. Proof of Income: Last 3 months' salary slips with Form 16 OR Last 2 years' audited ITR with computation (ITR > ₹30 Lakhs)

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Club Vistara IndusInd Bank Explorer 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: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹350 for ₹501–₹1,000; ₹550 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.50% per month (42.00% per annum) on revolving balances. 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 IndusInd Bank Explorer Credit Card into EMI?

Yes, IndusInd 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 IndusInd Bank Explorer Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into IndusInd Bank Ltd.'s official mobile banking application or web portal. 1 CV Point = ₹1.00 directly redeemable for flight award bookings across 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 IndusInd Bank Explorer Credit Card and how does it work?

The interest-free period on Club Vistara IndusInd Bank Explorer Credit Card is Up to 50 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 (3.50% per month (42.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

← Back to Complete Credit Cards Directory View All IndusInd Bank Ltd. Products & Loans →