Club Vistara IDFC FIRST Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: IDFC FIRST Bank
Network: Visa | Tier: Mid-Range
The Club Vistara IDFC FIRST Credit Card is a Mid-Range Visa credit card issued by IDFC FIRST Bank, best suited for frequent Vistara / Air India flyers. It carries a joining fee of ₹4,999 and an annual fee of ₹4,999 (available by 28 February 2026), with an interest rate of 8.5% – 46.2% p.a. (0.71% – 3.85% per month); Overdue: 47.88% p.a.. Key benefits include Airline co-branded card offering travel rewards and milestone flight benefits.. Reward earnings work as follows: Accelerated CV Points. New cardholders get a welcome benefit of Club Vistara benefits. On fees — Lounge access: Domestic lounge access; Foreign transaction markup: 1% on foreign currency / DCC transactions; Fuel surcharge: Nil fuel surcharge waiver (Club Vistara cards explicitly excluded from fuel waiver). Applicants typically need income-based approval to qualify. It falls under the Travel / Co-branded category on CreditCardHunt.
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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 — a real advantage for frequent Vistara / Air India flyers.
- Airline-linked rewards — a highlight among IDFC FIRST Bank's mid-range lineup.
Drawbacks of the Club Vistara IDFC FIRST Credit Card
- On the downside: program changes after airline merger.
- Limited relevance may not suit every applicant.
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
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.5/5