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IDFC FIRST BANK LTD
Club Vistara IDFC FIRST Credit Card
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Verified Catalog
Source: IDFC FIRST BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Premium co-branded travel credit card offering Club Vistara benefits, complimentary flight tickets, and enhanced reward points on Vistara transactions
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Travel and rewards focused
Highlight 2
Special benefits for Vistara flyers and bookings
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹4,999
The front-loaded charge when you apply.
Annual fee
₹4,999
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹4,999100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary lounge network access details available on issuer portal.
Hotel Privileges
"Complimentary Airport Lounge Access (8 Domestic/4 International lounge access per annum)"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"PAN & Address proof"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Strong premium credit card option with comprehensive benefits but with daily reward capping that limits maximum returns compared to the metal version"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: Not specified
- Base Rate: 1 reward point per ₹150 spent
- 5 reward points per ₹150 when monthly spend exceeds ₹50,000
- Accelerated Rewards Program: 5% cashback on telecom, electricity, government/tax, railway payments
Cons
- RP to Rupees: 1 TC = ₹1
- Movie/Entertainment: BOGO offers
- Dining: Minimum 15% discount at select restaurants
- Other Features: 24/7 concierge service
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