Club Vistara IDFC FIRST vs HDFC InterMiles Signature
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC InterMiles Signature Credit Card wins 7 of 8 dimensions with a CardTrail Score of 8.4/10 vs 8.1/10.
| Feature | Club Vistara IDFC FIRST | HDFC InterMiles Signature |
|---|---|---|
| CardTrail Score | 8.1/10 | 8.4/10 |
| Annual Fee | ₹4,999 | ₹2,500 |
| Base Reward Rate | 0.8% | 1% |
| Max Reward Rate | 4% | 6% |
| Forex Markup | 2.99% | 2% |
| Domestic Lounges | 8 | 16 |
| International Lounges | 4 | 5 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa Signature |
When to Choose HDFC InterMiles Signature
- You can meet the fee waiver condition: Spend ₹3L/year
- You travel internationally — saves ₹990/year on ₹1L forex spend
- You want higher rewards — up to 6% vs 4%
- Airport lounge access matters — 16 domestic visits
Forex Cost Comparison
On ₹1,00,000 annual international spending: Club Vistara IDFC FIRST costs ₹3,528 in forex fees vs HDFC InterMiles Signature at ₹2,360. You save ₹1,168/year with HDFC InterMiles Signature.
Annual Fee Value Analysis
To break even on Club Vistara IDFC FIRST's ₹4,999 fee at 0.8% rewards, spend ₹52,073/month.
To break even on HDFC InterMiles Signature's ₹2,500 fee at 1% rewards, spend ₹20,833/month.