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Club Vistara IDFC FIRST

IDFC First Bank
|
Airlines Discontinued Lounge Access Travel

Annual Fee

₹4,999

Rewards/₹100 ⓘ

₹3.00 - ₹5.00

Normalized to balance base rate with bonus categories

Interest Rate

42.00%

Credit Score

700+

At a Glance

Key Benefits

Now earns Maharaja Points, 2.99% forex, Rs.1Cr insurance, golf perks

Lounge Access

8 domestic + 4 international lounges/year (needs Rs.20K monthly spend)

Eligibility

DISCONTINUED - No new applications. Existing cards valid till March 2026.

Quick Details

Annual Fee
₹4,999 #260
Joining Fee
₹4,999 #258
Interest Rate
42.00% p.a. #108
Forex Markup
2.99% #69
Rewards/₹100
₹3.00 - ₹5.00 #49
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
2/year #92
International Lounge Visits
1/year #55
Min Credit Score
700+ #54
Min Monthly Income ₹25
Network MASTERCARD
Card Replacement Fee 100
Late Payment Fee ₹100
Card Replacement Fee ₹100
Cash Advance Fee ₹199

Reward Structure

Base

All Spends

₹3.00 /₹100
Cat

Birthday Dining

₹5.00 /₹100

Reward Calculator

₹
Allocate by Category100%
Birthday Dining
5.0 pts
60%₹30,000
Other Spends
3.0 pts
40%₹20,000
Your Rewards
Points Earned2,100
Cash Value₹2,100
Breakdown
Birthday Dining1,500
Other Spends600
Total Value₹2,100
Quick amounts:

Milestone Benefits

Welcome Bonus

1 Premium Economy Ticket + 1 Class Upgrade (on joining)

₹5,500

value

Airport Lounge Access

Domestic Free
2

visits per quarter

International Free
1

visits per quarter

Insurance Coverage

Air Accident

₹1,00,00,000

Ticket purchased with card

Personal Accident

₹10,00,000

Personal accident cover

Lost Card

₹50,000

Lost card liability

Lifestyle Perks

Golf

4 /year

4 complimentary golf rounds

Golf

12 /year

12 golf lessons

Spa

2 /quarter

Airport spa access

Dining

1

20% off at 1500+ restaurants via EazyDiner

Quick Analysis

The Club Vistara IDFC FIRST was the most rewarding Vistara card with 5 milestone tickets. Now discontinued due to Vistara-Air India merger. Existing cardholders earn Maharaja Points till March 2026.

Pros

  • 5 Premium Economy ticket vouchers (now discontinued)
  • Low 2.99% forex markup
  • 6 Maharaja Points per Rs.200
  • Free Premium Economy ticket on joining
  • Maharaja Club Silver membership
  • 8 airport + 4 international lounges/year
  • 4 golf rounds + 12 lessons annually
  • Rs.1 Cr air accident + Rs.10L personal accident
  • 10X rewards on birthday dining

Cons

  • Card discontinued - no new applications
  • Annual fee Rs.4,999 (now waived)
  • Lounge access needs Rs.20K monthly spend
  • Milestone benefits discontinued April 2025
  • Valid only till March 31, 2026
  • No fuel surcharge waiver

Best For

Existing cardholders using Maharaja Points for Air India

Not Ideal For

New applicants (card discontinued)

Frequently Asked Questions

Can I still apply for this card?
No, IDFC FIRST Bank stopped accepting new applications. Consider IndiGo IDFC FIRST Dual Card instead.
What happens to my existing card?
Active till March 31, 2026. You earn Maharaja Points instead of CV Points now.
Are milestone benefits still available?
No, all milestone-based ticket vouchers were discontinued from April 1, 2025.

User Reviews

Our Rating

3.6
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on IDFC First Bank's website

Rating Breakdown

Rewards
4.3/5 Top 21%
Benefits
3.8/5 Top 53%
Fees
2.6/5 Top 86%
Value for Money
4.0/5 Top 15%
User Reviews
3.0/5 Top 50%

Important Links

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