Club Vistara IDFC FIRST vs Standard Chartered Emirates World
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Standard Chartered Emirates World Credit Card wins 3 of 8 dimensions with a CardTrail Score of 8.2/10 vs 8.1/10.
Club Vistara IDFC FIRST
IDFC FIRST
8.1/10
Standard Chartered Emirates World
Standard Chartered
8.2/10| Feature | Club Vistara IDFC FIRST | Standard Chartered Emirates World |
|---|---|---|
| CardTrail Score | 8.1/10 | 8.2/10 |
| Annual Fee | ₹4,999 | ₹3,000 |
| Base Reward Rate | 0.8% | 1% |
| Max Reward Rate | 4% | 4% |
| Forex Markup | 2.99% | 3.5% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 4 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Mastercard World |
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 Standard Chartered Emirates World
- You can meet the fee waiver condition: Spend ₹5L/year
- Your primary spend is: travel, miles, forex
Forex Cost Comparison
On ₹1,00,000 annual international spending: Club Vistara IDFC FIRST costs ₹3,528 in forex fees vs Standard Chartered Emirates World 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 Standard Chartered Emirates World's ₹3,000 fee at 1% rewards, spend ₹25,000/month.