Travel

Club Vistara IDFC FIRST Credit Card

Name: Club Vistara IDFC FIRST Credit Card
Brand: IDFC FIRST
Price: 4999 INR

IDFC FIRST

6.8

CardTrail Score

Decent

out of 10

💰 Net Value

4.9

🔓 Accessibility

6.1

⚡ Feature Depth

5.4

🏦 Bank Trust

7.5

How we score →

Compare This Card Full Details

Annual Fee

₹4,999

Forex Markup

1.99%

Reward Rate

0.8%

Up to 4%

Lounge Access

domestic | 2 intl

About This Card

The Club Vistara IDFC FIRST Credit Card is a travel-focused credit card from IDFC FIRST with an annual fee of ₹4,999. It earns rewards at 0.8% on everyday purchases. Key perks include 4 complimentary lounge visits, fuel surcharge waiver. Best suited for frequent travellers.

Pros & Cons

Pros

Low forex markup at 1.99%
Fuel surcharge waiver saves on petrol/diesel
Easy EMI conversion on purchases
Attractive welcome bonus: Club Vistara Silver membership

Cons

₹4,999 annual fee may not suit light spenders
Income eligibility: ₹6L+ per annum
Below-average base reward rate

Fee Details

Annual Fee

₹4,999

Joining Fee

₹4,999

Fee Waiver Condition

None

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

0.8%

Max Rate

Currency

Club Vistara Points

Welcome Bonus

Club Vistara Silver membership

Lounge Access

Domestic Lounges

per year

International Lounges

per year

Key Highlights

+ 4 domestic lounge visits per year
+ Fuel surcharge waiver at all pumps
+ Welcome bonus: Club Vistara Silver membership

Compare With...

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HDFC Diners Club Black

HDFC

9.4

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