Club Vistara IndusInd Bank Explorer Credit Card Review
Club Vistara IndusInd Bank Explorer Credit Card
- Introduction
- Highlights of Club Vistara IndusInd Bank Explorer Credit Card
- Eligibility Criteria
- Document Required
- Fees & Charges of Club Vistara IndusInd Bank Explorer Credit Card
- Benefits of Club Vistara IndusInd Bank Explorer Credit Card
- Drawbacks of Club Vistara IndusInd Bank Explorer Credit Card
- Pros & Cons of Club Vistara IndusInd Bank Explorer Credit Card
- Conclusion
- FAQ’s
Introduction
The IndusInd Bank Explorer Credit Card is a premium travel credit card that offers various benefits. You can access complimentary stays, airport lounge access, and more.
The IndusInd Bank and Vistara have partnered to create the Club Vistara IndusInd Bank Explorer Credit Card. Currently, the card comes with a VISA network. Once RBI permits, this card will be available in MasterCard as well.
Why don’t you check out if this credit card is for you?
Highlights of Club Vistara IndusInd Bank Explorer Credit Card
Highlights
- Complimentary Club Vistara Gold Tier membership.
- 1 complimentary business class ticket voucher on joining.
- Exciting gift vouchers worth Rs. 25,000 as a welcome gift.
- Up to 5 complimentary business class ticket vouchers every year.
- 8 CV points on every Rs. 200 spent at airvistara.com & 6 CV points on other travel-related spending.
- Enjoy the Buy 1 Get 1 Free offer on movie tickets twice every month.
- Complimentary domestic & international lounge access.
- Rs. 3,000 off on dining bills twice every year.
- Zero Foreign Markup Charges
- 1% fuel surcharge waiver.
Eligibility Criteria
To be eligible for the Club Vistara IndusInd Bank Explorer Credit Card, you must meet the following criteria:
If you meet the above eligibility criteria, you can apply for the Club Vistara IndusInd Bank Explorer Credit Card online or visit any IndusInd Bank branch.
Document Required
You can earn rewards on your everyday spending with this card. To apply for the card, you will need to provide the following documents:
Once you have the required documents, you can proceed with the application process.
Fees & Charges of Club Vistara IndusInd Bank Explorer Credit Card
| Description | Fees & Charges |
|---|---|
| Joining Fee | INR 40,000 |
| Annual Fee | INR 10,000 |
| Add-on Card Fee | NIL |
| Spend Based Waiver | NIL |
| Cash Advance Charge | NIL |
| Rewards Redemption Fee | NIL |
| Foreign Currency Markup Charge | NIL |
| Interest Rates | 2.85% per month |
| Fuel Surcharge | 1% fuel surcharge is waived off at all fuel stations |
* On payment of the Renewal Fee, you will get a Complimentary Business Class Ticket voucher from Vistara.
* The Complimentary Business Class Ticket voucher entitles the cardholder to receive a waiver of the base fare component on a one-way ticket for travel on the Vistara domestic network.
Benefits of Club Vistara IndusInd Bank Explorer Credit Card
The card does have a few benefits which can be discussed below:
Welcome Benefits with Multiple Options
Cardholders are granted more than one benefit with the Club Vistara IndusInd Bank Explorer Credit Card. The only caveat is that all these benefits will be activated and availed after the joining fee payment.
We can see the multiple options that you get in welcome benefits:
Rewards System
Reward Points will be earned in Club Vistara (CV) Points.
These Club Vistara Points can be earned when you use your Club Vistara IndusInd Bank Explorer Credit Card on flight bookings, hotels, shopping, and more.
| Spends Category | Club Vistara Points per INR 200 spent |
|---|---|
| Spends on Vistara website/app | 8 |
| Spends on Hotel, Airline, Travel | 6 |
| Spends on Utility, Insurance, Government Payment, Fuel | 1 |
| All other spends | 2 |
Club Vistara Points will be transferred to your CV Account in the subsequent billing cycle.
How can you redeem them?
Complimentary Priority Pass Membership
The Credit Card offers a complimentary Priority Pass membership worth USD 99*2 = USD 198 annually. This membership allows you to avail 4 complimentary visits in each calendar quarter to the participating international lounges outside India. You have access to over 600 lounges worldwide.
You can avail of only 1 complimentary visit in a quarter in domestic airports, which is much lesser than the other credit card offerings.
Airport Limo Transfer Program(VISA Network)
This card enhances your travel experience with Luxury Airport Transfer Service. Visa Signature Cardholders can enjoy 15% off retail rates on airport transfer services in key cities globally.
Milestone Benefits
Make everyday purchases with this card and see a free Business Class ticket every 3 Lakhs. You can earn up to 5 FREE Business class tickets in a year by hitting the milestones.
This Milestone benefit is advantageous for travellers who frequently fly through Vistara Airlines. And if you travel with any other airline, it would be an expensive credit card to have !!
BookMyShow Offer
Apart from having travel benefits, you can also avail yourself of advantages in the entertainment area. If you are a movie buff, you can use the offer of BookMyShow on the credit card:
* The maximum discount of a free ticket is capped at Rs. 700. You can avail of up to 2 free tickets in a month.
Dining Offer
Club Vistara IndusInd Bank Explorer Credit Card lets you enjoy mouth-watering cuisines and dishes wherever you go. Dig into these delicious offers as much as you want !!
Please visit this link for more details
No Late Payment Fee, No Over Limit Fee
Missed payments or overusing your credit limit are old news. This credit card provides no late payment fees and over-limit charges.
No Foreign Currency Mark-up
Discovering new stores and shopping places can be even more fun when travelling abroad. Your Club Vistara IndusInd Explorer Credit Card makes it rewarding with zero Foreign Currency Mark-up on your spending.
Drawbacks of Club Vistara IndusInd Bank Explorer Credit Card
Drawbacks
- The joining fee is on the higher end than the other credit cards.
- An annual fee is charged even if you don’t use it.
- Vistara bookings are the only way to redeem earned reward points
- There is no annual fee waiver even on reaching the spending milestone in a given year.
- Accelerated reward points( 8X ) only on Vistara bookings.
Pros & Cons of Club Vistara IndusInd Bank Explorer Credit Card
If we have to summarize the benefits and drawbacks of the IndusInd Pinnacle Credit Card in one place, they would be:
Pros
- Complimentary Club Vistara Gold Tier membership.
- 1 complimentary business class ticket voucher on joining.
- Exciting gift vouchers worth Rs. 25,000 as a welcome gift.
- Up to 5 complimentary business class ticket vouchers every year.
- 8 CV points on every Rs. 200 spent at airvistara.com & 6 CV points on other travel-related spending.
- Enjoy movies with a “Buy 1 Get 1 free offer” on the tickets twice every month.
- Zero Foreign Markup Charges
- No late payment fee charge
Cons
- The joining fee is high compared to the benefits provided on this credit card.
- There is no reversal of the annual/renewal fee even if a particular milestone is achieved.
- 8X reward points only on Vistara bookings
- The rewards rate for utility, insurance, government payment and fuel categories is low.
Conclusion
You can earn travel benefits and primary credit card benefits. The IndusInd Bank Explorer Credit Card, in collaboration with Club Vistara, is an excellent choice for anyone who wants to go on expensive trips and can pay the joining fees.
This card is not suitable if you are not a frequent traveller or do not use Club Vistara IndusInd Bank’s other services.
Please read the other posts:
FAQ’s
How can I redeem the rewards points earned on Club Vistara IndusInd Bank Explorer Credit Card?
There are 2 ways to redeem the rewards points: A) Â logging into your CV account OR
2) By calling customer care at +91 9289228888.
What is the Joining Fee & Renewal Fee of Club Vistara IndusInd Bank Explorer Credit Card?
The joining fee for the card is INR 40,000 + GST. The renewal/annual fee of the card is INR 10,000 + GST.
What are Foreign Currency Mark-up charges on the Club Vistara IndusInd Bank Explorer Credit Card?
NIL
Can the renewal fee be waived-off after reaching a certain spend on the Club Vistara IndusInd Bank Explorer Credit Card?
No !! Every year, you have to pay the renewal fee. There is no facility for wave-off on the card.
