Club Vistara IDFC FIRST Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: IDFC First Bank
Network: Visa | Tier: Mid-Range
Airline co-branded card offering travel rewards and milestone flight benefits.
Why Choose the Club Vistara IDFC FIRST Credit Card?
The Club Vistara IDFC FIRST Credit Card is a Mid-Range-tier Visa credit card issued by IDFC First Bank, rated 4.5/5 by the Credit Card Hunt editorial team. It is best suited for Frequent Vistara / Air India flyers. With a reward rate of Accelerated CV Points and an annual fee of ₹4,999 (available by 28 February 2026), it ranks among the popular Travel / Co-branded cards in India in 2026.
New cardholders are welcomed with Club Vistara benefits, which adds immediate value in the first year and helps recover the ₹4,999 joining fee.
Club Vistara IDFC FIRST Credit Card Fees & Charges
| Annual Fee | ₹4,999 (available by 28 February 2026) |
|---|---|
| Joining Fee | ₹4,999 |
| Interest Rate | 8.5% – 46.2% p.a. (0.71% – 3.85% per month); Overdue: 47.88% p.a. |
| Foreign Markup | 1% on foreign currency / DCC transactions |
| Fuel Surcharge Waiver | Nil fuel surcharge waiver (Club Vistara cards explicitly excluded from fuel waiver) |
Club Vistara IDFC FIRST Credit Card Rewards & Benefits
| Reward Rate | Accelerated CV Points |
|---|---|
| Welcome Bonus | Club Vistara benefits |
| Lounge Access | Domestic lounge access |
| Best For | Frequent Vistara / Air India flyers |
Key Highlights of the Club Vistara IDFC FIRST Credit Card
- Airline co-branded card offering travel rewards and milestone flight benefits.
Club Vistara IDFC FIRST Credit Card Eligibility Criteria
- Age 18+
- Good credit score"
Minimum Income Required: Income-based approval
Advantages of the Club Vistara IDFC FIRST Credit Card
- Good for frequent travelers
- Airline-linked rewards"
Drawbacks of the Club Vistara IDFC FIRST Credit Card
- Program changes after airline merger
- Limited relevance"
Club Vistara IDFC FIRST Credit Card — Frequently Asked Questions
What is the annual fee of the Club Vistara IDFC FIRST Credit Card?
The Club Vistara IDFC FIRST Credit Card has an annual fee of ₹4,999 (available by 28 February 2026) and a joining fee of ₹4,999. New cardholders receive Club Vistara benefits as a welcome benefit, which helps offset the joining cost.
Does the Club Vistara IDFC FIRST Credit Card offer airport lounge access?
Yes — the Club Vistara IDFC FIRST Credit Card offers Domestic lounge access.
Who is eligible for the Club Vistara IDFC FIRST Credit Card?
The minimum income requirement is Income-based approval. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Club Vistara IDFC FIRST Credit Card?
The Club Vistara IDFC FIRST Credit Card earns Accelerated CV Points. It is best suited for Frequent Vistara / Air India flyers.
Credit Cards Similar to the Club Vistara IDFC FIRST Credit Card
If you are considering the Club Vistara IDFC FIRST Credit Card, these travel / co-branded credit cards are worth comparing before you apply:
- IndiGo IDFC FIRST Credit Card by IDFC First Bank — rated 4.4/5, ₹4,999 (FD-backed secured variant: ₹4,999) annual fee
Expert Rating: 4.5/5