Club Vistara IDFC FIRST Credit Card
A co-branded aviation card for domestic corporate and leisure travelers. Cardholders receive complimentary Premium Economy flight ticket vouchers, Club Vistara Silver Tier status, golf games, and lounge access, offsetting the upfront joining fee.
Why We Recommend The Club Vistara IDFC FIRST Credit Card
A rewarding co-branded airline card whose welcome flight ticket and tier status easily justify the joining fee for regular travelers.
Frequent business and leisure flyers seeking complimentary flight ticket vouchers and airline tier perks.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the Club Vistara IDFC FIRST Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: Up to ₹1.00 per mile (on flight award seat bookings) on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for Club Vistara IDFC FIRST Credit Card
Zero hidden costs. Complete fee schedule verified with IDFC Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the Club Vistara IDFC FIRST Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
8 complimentary domestic airport lounge visits per calendar year (2 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
4 complimentary international lounge visits per calendar year via Priority Pass (1 per quarter)
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes Club Vistara IDFC FIRST Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Up to 5 complimentary Premium Economy flight ticket vouchers on achieving annual spend milestones.
Complimentary golf games and golf lessons every calendar quarter.
Free flight cancellation insurance cover up to ₹10,000 twice a year.
Pros & Cons of the Club Vistara IDFC FIRST Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Complimentary Premium Economy flight ticket voucher covers the ₹4,999 fee.
- Strong tier status upgrade with priority baggage and boarding privileges.
- Includes domestic and international airport lounge access and golf rounds.
Things to Consider (Cons)
- Steep ₹4,999 annual fee with no spend-based waiver.
- Domestic lounge visits require meeting the monthly ₹20,000 spend condition.
- Points redemption is tied to airline award flight availability.
Who Can Apply for the Club Vistara IDFC FIRST Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
740+ Score Recommended
Applicants with a credit score of 740 or higher enjoy fast-tracked approval and preferential credit limits from IDFC Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About Club Vistara IDFC FIRST Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the Club Vistara IDFC FIRST Credit Card?
Check your pre-approved credit limit and instant approval eligibility across IDFC Bank with 100% paperless verification and zero score impact.