क्लब विस्तारा आईडीएफसी फर्स्ट क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: IDFC FIRST Bank Ltd.
Aviation card offering 1 complimentary Premium Economy ticket welcome, Silver tier membership, up to 5 milestone flight tickets, and 1.99% forex markup.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
1 complimentary Premium Economy domestic flight ticket voucher on Air India/Vistara, plus complimentary Club Vistara Silver Tier membership and 1 Class Upgrade voucher.
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.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts up to ₹4,000 (maximum waiver of ₹300 per statement cycle).
Up to 5 complimentary Premium Economy flight ticket vouchers annually on reaching milestone spends of ₹1.5L, ₹3L, ₹4.5L, ₹9L, and ₹12L.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
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.
न्यूनतम वार्षिक आय आवश्यकता
₹75,000/month (Salaried) / ₹9,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit idfcfirstbank.com/club-vistara or apply via IDFC FIRST Mobile app. Step 2: Enter PAN, mobile number, and your Club Vistara membership number. Step 3: Confirm monthly income and employer details. Step 4: Upload identity, residence, and income verification documents. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.