Club Vistara IDFC FIRST vs SBI Card MILES PRIME
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Club Vistara IDFC FIRST Credit Card wins 5 of 8 dimensions with a CardTrail Score of 8.1/10 vs 7.9/10.
| Feature | Club Vistara IDFC FIRST | SBI Card MILES PRIME |
|---|---|---|
| CardTrail Score | 8.1/10 | 7.9/10 |
| Annual Fee | ₹4,999 | ₹2,999 |
| Base Reward Rate | 0.8% | 0.75% |
| Max Reward Rate | 4% | 3% |
| Forex Markup | 2.99% | 2.5% |
| Domestic Lounges | 8 | 4 |
| International Lounges | 4 | 2 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose Club Vistara IDFC FIRST
- You want higher rewards — up to 4% vs 3%
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: travel, miles
When to Choose SBI Card MILES PRIME
- You can meet the fee waiver condition: Annual fee reversal on reaching Rs. 10 lakh annual spends
- You travel internationally — saves ₹490/year on ₹1L forex spend
- Your primary spend is: travel, miles
Forex Cost Comparison
On ₹1,00,000 annual international spending: Club Vistara IDFC FIRST costs ₹3,528 in forex fees vs SBI Card MILES PRIME at ₹2,950. You save ₹578/year with SBI Card MILES PRIME.
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 SBI Card MILES PRIME's ₹2,999 fee at 0.75% rewards, spend ₹33,322/month.