Card Image
FIRST Vistara Signature
Annual Fee
₹2,999
Rewards/₹100 ⓘ
₹1.50 - ₹4.50
Normalized to balance base rate with bonus categories
Interest Rate
9.00%
Credit Score
720+
At a Glance
Key Benefits
6X CV Points on Vistara, complimentary Vistara Gold tier, 9% APR
Lounge Access
8 domestic lounges/year
Eligibility
Salaried: Rs.50,000+/month, Age: 21-60, CIBIL: 720+
Quick Details
Annual Fee
₹2,999
#236
Joining Fee
₹2,999
#236
Interest Rate
9.00% p.a.
#3
Forex Markup
1.80%
#26
Rewards/₹100
₹1.50 - ₹4.50
#88
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
8/year
#30
Min Credit Score
720+
#154
Min Monthly Income ₹50
Network VISA
Cash Advance Fee 2.50% (min ₹500)
Late Payment Fee ₹700
Fee Waiver on Spend ₹1,50,000/yr
Reward Structure
Base
All Spends
₹1.50 /₹100
Partner
Vistara
₹4.50 /₹100
Reward Calculator
₹
Allocate by Category100%
Your Rewards
Points Earned2,200
Cash Value₹1,650
Breakdown
Vistara1,800
Other Spends400
Total Value₹1,650
Quick amounts:
Airport Lounge Access
Domestic Free
8
visits per year
8 domestic lounge visits per year
Quick Analysis
The IDFC First Bank FIRST Vistara Signature is a premium credit card ideal for frequent travelers and high spenders. Best suited for those who can maximize the premium benefits.
Pros
- Annual fee waiver on spending ₹150000
- Generous 8 domestic lounge visits per year
- Low forex markup of 1.80% - great for international spends
- Extended interest-free period of 50 days
Cons
- Reward points may have limited redemption options
Frequently Asked Questions
What is IDFC FIRST Vistara Signature Credit Card?
It is a premium co-branded travel credit card with Vistara airlines offering accelerated Club Vistara points and travel benefits.
What Club Vistara points do I earn on this card?
You earn 4 CV Points per Rs 100 spent on Vistara bookings and 2 CV Points per Rs 100 on all other spends.
What is the annual fee for IDFC FIRST Vistara Signature?
The card has an annual fee of Rs 2999 with fee waiver on spending Rs 3 lakh or more in a year.
What are the welcome benefits on this card?
You get 3000 bonus Club Vistara points as welcome benefit, plus a complimentary upgrade voucher.
Does this card offer lounge access?
Yes, you get 8 complimentary domestic lounge visits per year through the Mastercard program.
What is the interest rate on IDFC FIRST Vistara Signature?
The card offers interest rates from 9.99% to 35.99% per annum based on creditworthiness.
User Reviews
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