Club Vistara IDFC FIRST Bank Credit Card
Card Summary
The Club Vistara Credit Card is a good option for frequent flyers who are looking for a card that offers a variety of benefits. The card's high earning rate and generous welcome bonus make it a great way to earn CV points quickly. The card's other benefits, such as airport lounge access and travel insurance, are also valuable for frequent travellers.
Quick Overview
Expert Review
Key Features
The Club Vistara Credit Card is a good option for frequent flyers who are looking for a card that offers a variety of benefits. The card's high earning rate and generous welcome bonus make it a great way to earn CV points quickly. The card's other benefits, such as airport lounge access and travel i...
Key Highlights
Reward Rate
Up to 3%
Annual Fee
₹4999
Rating
4.8/5
Category
Premium
Fuel Benefits
1% Fuel Surcharge Waiver
Available at all fuel stations across India
Zero Lost Card Liability
Complete Protection Against Fraud
In the unfortunate event of losing your card, report it immediately to our 24-hour call centre and you have zero liability on any fraudulent transactions made on your Credit Card.
Advantages
High earning rate on all eligible spends.
Offers generous welcome bonus.
Free airport lounge access.
Limitations
No fuel surcharge waiver.
No reward points for cash withdrawal or EMI transactions.
High annual fee.
Fee and Charges
Joining Fee
₹4999
Annual Fee
₹4999
APR
42%
| Charge Type | Amount |
|---|---|
| Card Replacement Fee | Nil |
| Foreign Transaction Fee | 2.99% |
| Over Limit Penalty | 2.50% |
| Minimum Repayment Amount | 5% |
Late Payment Charges
| Outstanding Balance | Late Fee |
|---|---|
| Below ₹100 | Not specified |
| ₹100 to ₹500 | Not specified |
| ₹501 to ₹5,000 | Not specified |
| ₹5,001 to ₹10,000 | Not specified |
| ₹10,001 to ₹25,000 | Not specified |
| ₹25,001 to ₹50,000 | Not specified |
| More than ₹50,000 | Not specified |
Reward Points Structure
| Rewards Category | Rate | Eligibility |
|---|---|---|
| Special Categories | Up to 3% | Based on card category and benefits |
| General Spends | 1X | All other purchases and transactions |
Partner Merchants:
Who Should Opt for This Card?
Premium Service Seekers
Ideal for those who value premium services and exclusive benefits
How to Apply
Visit the IDFC FIRST Bank website or nearest branch
Navigate to the credit cards section
Select the desired credit card
Click on "Apply Now" and fill the application form
Upload required documents (identity, address, income proof)
Submit the application and wait for verification
Receive your credit card upon approval
Processing Time
7-10 days
Eligibility Criteria
Age: 21-60 years
Residency: Indian resident
Income: ₹3 per month
Documents Required
Proof of Identity
PAN Card, Aadhaar Card, Passport, Driver's License
Proof of Address
Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof. *
Proof of Income
Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement. 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>
Expert Review
Detailed Analysis
The Club Vistara IDFC FIRST Bank Credit Card stands out as a premium choice for those seeking a credit card with excellent rewards and benefits. With Up to 3% rewards on eligible spends, it makes a compelling option for premium enthusiasts.
The card's comprehensive insurance coverage and lounge access benefits offer added value and convenience for cardholders.
While the card offers numerous advantages, it is essential to consider the annual fee of ₹4999 and other associated charges. These factors should be weighed against the benefits offered.
Overall, the Club Vistara IDFC FIRST Bank Credit Card is a great option for those who want a premium credit card with excellent rewards and premium benefits. If you are looking for a card that offers good value for money, this is worth considering.
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