Club Vistara IDFC FIRST vs SBI Etihad Guest
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Club Vistara IDFC FIRST Credit Card wins 3 of 8 dimensions with a CardTrail Score of 8.1/10 vs 8.0/10.
| Feature | Club Vistara IDFC FIRST | SBI Etihad Guest |
|---|---|---|
| CardTrail Score | 8.1/10 | 8.0/10 |
| Annual Fee | ₹4,999 | ₹4,999 |
| Base Reward Rate | 0.8% | 1% |
| Max Reward Rate | 4% | 6% |
| Forex Markup | 2.99% | 3.5% |
| Domestic Lounges | 8 | 8 |
| 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
- Your primary spend is: travel, miles
When to Choose SBI Etihad Guest
- You can meet the fee waiver condition: Spend ₹3L/year
- You want higher rewards — up to 6% vs 4%
- 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 Etihad Guest 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.
To break even on SBI Etihad Guest's ₹4,999 fee at 1% rewards, spend ₹41,658/month.