Club Vistara IDFC FIRST vs LIC Classic IDFC FIRST
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Club Vistara IDFC FIRST Credit Card wins 6 of 8 dimensions with a CardTrail Score of 8.1/10 vs 7.7/10.
| Feature | Club Vistara IDFC FIRST | LIC Classic IDFC FIRST |
|---|---|---|
| CardTrail Score | 8.1/10 | 7.7/10 |
| Annual Fee | ₹4,999 | Free |
| Base Reward Rate | 0.8% | 0.75% |
| Max Reward Rate | 4% | 1.5% |
| Forex Markup | 2.99% | 3.5% |
| Domestic Lounges | 8 | 1 |
| International Lounges | 4 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose Club Vistara IDFC FIRST
- You travel internationally — saves ₹510/year on ₹1L forex spend
- You want higher rewards — up to 4% vs 1.5%
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: travel, miles
When to Choose LIC Classic IDFC FIRST
- You want a lifetime free card with zero annual cost
- Your primary spend is: insurance, lic, no-fee
Forex Cost Comparison
On ₹1,00,000 annual international spending: Club Vistara IDFC FIRST costs ₹3,528 in forex fees vs LIC Classic IDFC FIRST at ₹4,130. You save ₹602/year with Club Vistara IDFC FIRST.
Annual Fee Value Analysis
To break even on Club Vistara IDFC FIRST's ₹4,999 fee at 0.8% rewards, spend ₹52,073/month.
LIC Classic IDFC FIRST is lifetime free — no break-even needed.