Club Vistara IDFC First Credit Card Review
Club Vistara IDFC First Credit Card
Overview
Namaste, fellow travellers and savvy spenders! 🙏
If you’re always looking for ways to make your travel more rewarding, you probably need help with a range of credit cards claiming to offer the best perks in the skies. But let’s be honest, sorting through them can feel like navigating through a dense fog without a co-pilot.
That’s where I come in! Today, I’m diving into the Club Vistara IDFC First Credit Card, a card that’s been causing quite the buzz in Indian airports and shopping malls alike.
In my in-flight review, I’ll guide you through everything from air miles and lounge access to dining delights and shopping rewards. So, tighten your seatbelt as we prepare for takeoff to discover whether this card deserves a prime spot in your wallet.
Whether you’re a travel enthusiast or a points collector, stay with me as I unfold the secrets of this shiny new card on the market. Let’s find out if it’s just another run-of-the-mill plastic companion or if it adds extra altitude to your lifestyle!
🛫 Ready for takeoff? Let’s begin our ascent into the world of the Club Vistara IDFC First Credit Card!
At A Glance
Club Vistara IDFC First Credit Card
- Joining Fee: Rs. 4,999 + GST
- Annual Fee: Rs. 4,999 + GST
- Best for: Air Travel
- Reward Type: Reward Points
- Best Feature(s): Milestone Rewards, Domestic Airport Lounge Access, International Airport Lounge Access, Golf Games/Lesson
Fees & Charges
| Description | Fees & Charges |
|---|---|
| Joining Fee | Rs. 4,999 + GST |
| Renewal/Annual Fee | Rs. 4,999 + GST |
| Spend Based Waiver | N/A |
| Add-on Card Fee | NIL |
| Interest Rate on Purchases, Cash Advances and outstanding balances due | Monthly Rate - 0.75% - 3.65% Annual Rate - 9% - 43.8% |
| Overdue Interest | Monthly Rate - 3.99% Annual Rate - 47.88% |
| Reward Redemption Fee | Rs 99 per redemption transaction |
| Foreign Currency Markup Charges | 2.99% |
Welcome Benefits
Club Vistara IDFC First Credit Card
- 1 Complimentary Premium Economy Ticket Voucher
- 1 Class Upgrade Voucher
- 3 months Complimentary EazyDiner Prime membership and BQ Prime subscription
- Complimentary Club Vistara Silver Membership
Eligibility Criteria & Documents Requirements
| Eligibility Criteria | Details |
|---|---|
| Age Requirement | Primary Cardholder: 21 to 60 years Add-on Cardholder: Minimum 18 years |
| Nationality | Indian Citizens only |
| Occupational Status | Available to both Salaried and Self-Employed individuals |
| Minimum Income Requirement | Subject to bank's internal criteria; generally requires a good income level and credit score |
| Credit Score | A good credit score is expected (usually 750 or above) but specific score not explicitly stated |
Documents Requirements
- Proof of Identity (Aadhar, PAN, Voter ID, etc.)
- Proof of Address (Utility bills, Passport, etc.)
- Proof of Income (Latest salary slips for salaried/Bank statements for self-employed, etc.)
- PAN Card
- Passport-size photographs
Reward Points
Accelerated Reward Points
You can earn a cumulative benefit of 6000 CV points as an activation benefit on this credit card. This is split into 2000 CV points in each billing cycle.
| Statement 1 | Statement 2 | Statement 3 | Statement 4 | |
|---|---|---|---|---|
| Card generated( for example) | 11 July | |||
| Statement date( for example) | 17 July | 17 Aug | 17 Sep | 17 Oct |
| No. of days | 30 days | 30 days | 30 days | |
| Spend threshold | Spends will NOT to be considered for activation CV points | 30 K | 30 K | 30 K |
| Bonus reward | 2000 CV Points | 2000 CV Points | 2000 CV Points |
Imp Info
- Applicable Billing Cycles: Billing statement for months 2, 3, and 4 from the date of joining.
- CV points shall be credited to your Club Vistara account within 5 working days after statement generation.
Basic Reward Point Structure
The CV Points accumulation on the Club Vistara IDFC First Credit Card follows a tiered structure, where the first Rs 1 lakh in purchases earns a higher earning rate of 6 points for every Rs 200 spent.
Beyond this threshold, the earn rate adjusts to 4 points for every Rs 200 spent on most categories.
| Spend Category | CV Points Earned per Rs 200 Spent |
|---|---|
| General Spends up to Rs 1 lakh | 6 CV Points |
| General Spends above Rs 1 lakh | 4 CV Points |
| Dining Spends on Cardholder's Birthday | 10 CV Points |
| Fuel, Insurance, Utility, Rent & Wallet Load | 1 CV Point |
The Club Vistara IDFC First Credit Card breaks the norm for transactions usually excluded from earning points such as fuel, insurance, utility bill payments, rent, and wallet loads by offering 1 CV Point per Rs 200 spent, which is a unique benefit considering that most other cards do not offer any points for such spends.
Exclusions & Conditions
CV Points earnings are calculated based on the amount spent for every Rs 200. Understanding that the rate at which you earn CV Points depends on the specific spending category is essential.
Exclusion
It is essential to note that no CV Points are earned for EMI transactions or cash withdrawals using the Club Vistara IDFC First Credit Card, standard practice for credit card rewards programs
Milestone Benefits
The Club Vistara IDFC First Credit Card offers an enticing milestone benefits program that rewards cardholders with up to 5 Complimentary Premium Economy Ticket Vouchers each anniversary year.
Here’s how the program is structured, based on the spending thresholds within a single anniversary year:
| Annual Spend (Rs) | Reward |
|---|---|
| Rs 1,50,000 | Unlock 1st Ticket Voucher |
| Rs 3,00,000 | Unlock 2nd Ticket Voucher |
| Rs 4,50,000 | Unlock 3rd Ticket Voucher |
| Rs 9,00,000 | Unlock 4th Ticket Voucher |
| Rs 12,00,000 | Unlock 5th Ticket Voucher |
Imp Info
Anniversary Year Definition: The anniversary year for the Club Vistara IDFC First Credit Card is defined as 12 months starting from the card generation date.
Voucher Crediting Process: Once a cardholder achieves a spending milestone, the corresponding Premium Economy Ticket Voucher is credited to their Club Vistara account.
Complimentary Airport Lounge Access
The Club Vistara IDFC First Credit Card offers a fantastic feature for travelers: complimentary airport lounge access.
| Access Type | Access Network | No of Visits Per Quarter |
|---|---|---|
| Domestic | MasterCard | 2 |
| International | DreamFolks | 1 |
Few Things To Consider
Sharing Benefits: The terms and conditions above apply to the cardholder and all add-on cardholders. This benefit will be divided equally among them.
Child Entry: Children under two years of age may be granted complimentary entry at the discretion of the participating lounges. Cardholders should verify this policy at the lounge entrance before entry.
Access Limitations: This program is exclusive to cardholders with a Club Vistara IDFC FIRST Credit Card issued in India. Each cardholder is allowed one entry per visit. Additional guests or services will result in extra charges.
Moreover, if you face any issues regarding lounge access, you can use any one of the below methods:
IDFC Customer Care
Toll-Free: 1800 10 888
Email: [email protected]
DreamFolks Customer Care
Toll-Free: 1800 123 4109 or
Email: [email protected]
Complimentary Golf Benefits
India Golf Program
- 4 complimentary rounds of golf per year (1 round per month)
- 12 free golf lessons annually (1 lesson per month)
- 50% discount on green fees after using complimentary sessions.
APAC Golf Program
50% Off on Golf rounds or lessons across Australia, Bangladesh, China, Hong Kong, Japan, Macao, New Zealand, South Korea, Sri Lanka and Taiwan.
Trip Cancellation Reimbursement
So, guess what? The Club Vistara IDFC First Credit Card has a pretty cool safety net for your trips. It’s called ‘Cancellation For Any Reason’ (CFAR) Insurance, and it’s like having a “change of plan” guardian angel for your travels.
Here’s the deal: Life happens. You book a flight or hotel, all excited about your trip, but something comes up, and you can’t go anymore. It could be work, the sniffles got you, or maybe you just had a change of heart about zip-lining in the rainforest. Whatever the reason, this CFAR thing has your back.
The card lets you claim up to Rs 10,000 back if you have to cancel your travel plans. And the best part is that it doesn’t pry into why you’re cancelling; it respects your reasons, no questions asked.
But here’s what you must remember: You can use this benefit twice for claims. That’s two mulligans in golf terms (since we talked about golf benefits, too).
So, book those flights and hotels with a little more peace of mind, knowing you’ve got a safety net waiting just in case.
Just picture this: You’re sitting on your couch, scrolling through your phone, and oops, you book a trip to Goa for next week. Then reality checks in — you’ve got a big presentation that week. No problemo! Whip your Club Vistara IDFC First Credit Card, cancel that trip, and claim reimbursement.
Other Travel Insurance Reimbursement
You’re curious about other travel insurance coverages baked into the Club Vistara IDFC First Credit Card. Say no more. Here we go:
| Insurance Type | Coverage Amount |
|---|---|
| Air Accident Cover | Rs 1 crore (that's 10 Million!) |
| Personal Accident Cover | Rs 10,00,000 |
| Lost Card Liability Cover | Rs 50,000 |
| Loss of Checked-in Baggage | USD 1200 |
| Delay of Checked-in Baggage | USD 1200 |
| Loss of Passport & Other docs | USD 1200 |
| Flight Delay | USD 1200 |
I mean, look at those numbers and all that protection! With this card, you’ve got a safety cocoon for almost every travel situation.
Conclusion
Vistara operates on a limited number of routes within India, making the Vistara co-branded cards most beneficial for residents of these cities. If you live in a hub city like Bangalore/Delhi/Hyderabad, this card can provide significant value through milestone benefits. The 4% return mentioned can further increase based on your efficiency in booking award tickets to maximize your benefits.
The Club Vistara IDFC First credit card comes with a higher joining and annual fee compared to the existing Vistara Axis and SBI Signature credit cards. However, it offers additional perks such as:
- An extra class upgrade voucher upon joining and renewal
- Up to 6 CV points per Rs 200 spent
- Earn 1 CV point even on expenses like rent and wallet transactions
- Access to international airport lounges
The added benefits of the Club Vistara IDFC First Bank credit card may justify choosing it over other options available.
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FAQs
Who can apply for a Club Vistara IDFC First Bank credit card?
The card is generally available to customers with a good credit history and a stable income. You’ll need to meet IDFC First Bank’s eligibility criteria, which usually include age, income, and credit score requirements.
How does Trip Cancellation Reimbursement work?
If you must cancel a trip for any reason, the Club Vistara IDFC First Credit Card offers reimbursement of up to Rs 10,000 for your hotel and flight booking cancellations. This is limited to two claims but allows you to bail on your plans if something comes up.
Does this card offer any insurance benefits?
You bet! It offers an Air Accident Cover of Rs 1 crore, a Personal Accident Cover of Rs 10,00,000, a Lost Card Liability Cover of Rs 50,000, and additional coverage for travel inconveniences.
