Club Vistara IDFC First Credit Card: Benefits & Apply

Summary

So, the Club Vistara IDFC FIRST Credit Card? Kinda feels like it’s screaming, “Hey, jet-setters, come get spoiled.” Honestly, if you’re that person who’s always at the airport (and not just for the Instagram pics), this card’s got your back. Right out of the gate, they throw in a free Premium Economy ticket and a fancy upgrade voucher. Not too shabby, right? Especially if you’re always flying Vistara and sick of the usual cattle class.

Plus, you get bumped up to Club Vistara Silver. That means you’re skipping lines, tossing in extra bags without paying through the nose, and just feeling a little bit VIP—because why not? Every time you swipe, you rack up CV Points, whether you’re dropping cash on flights, stuffing your face at restaurants, shopping sprees, or even just paying bills online. Oh, and heads up: your birthday and those dinner dates? You rake in even more points than. Happy birthday to your wallet, I guess.

But wait, there’s more! (Yeah, I went full infomercial.) Lounge access in airports—both in India and abroad—so you can sip bad coffee in style. Fancy a round of golf? Covered. Hungry? They hook you up with a 3-month EazyDiner Prime membership, so you don’t have to eat sad airport sandwiches. On the safety side, they toss in travel insurance, purchase protection, and that “oh crap” emergency coverage for when things go sideways on your trips.

Introduction

Alright, let’s get real for a sec—traveling’s great and all, but slogging through airports, juggling bookings, and watching your wallet bleed? Not so much. That’s where a killer credit card swings in and saves the day. Enter the Club Vistara IDFC FIRST Credit Card. Yeah, the name’s a mouthful, but stick with me. This thing’s built for folks who want their trips to come with a side of perks—whether you’re always on the move or just sneak in a getaway when the boss isn’t looking.

So here’s the deal: Club Vistara (that’s Vistara Airlines’ frequent flyer squad) and IDFC FIRST Bank (pretty big deal in India, if you didn’t know) teamed up for this one. They’ve packed it with all sorts of goodies—welcome gifts, travel vouchers, airport lounge passes, and even free flights if you play your cards right (pun… intended). It’s kind of wild how much you get just for swiping.

And hey, this isn’t one of those “exclusive” cards that make you jump through flaming hoops or cough up a kidney in annual fees. Nope. It’s pretty easy on the pocket. Even if you’re new to the credit card game, you won’t feel like you’ve wandered into some elite club where everyone else knows the secret handshake. Some versions are even lifetime free—seriously, you could keep it forever and not pay a dime in fees. The paid one? Still worth it, and the rewards usually pay for themselves.

But wait, there’s more (I sound like an infomercial, don’t I?). You don’t have to be globe-trotting 24/7 to rack up points. Rack up enough, and you can swap them for Club Vistara Points. Suddenly, you’re booking flights, upgrading seats, or snagging other travel stuff without shellin out extra cash. And if you hate those airport crowds (who doesn’t?), free lounge access is a total game-changer. Kick back, grab a snack, and wait for your flight like a boss.

What is the Club Vistara IDFC First Credit Card?

The Club Vistara IDFC FIRST Credit Card is a golden ticket for people who live out of suitcases or just want to rack up some solid perks while booking flights. It’s this cool collab between Vistara Airlines and IDFC FIRST Bank—like two big names high-fiving over your wanderlust.

Swipe this card and you’re not just bleeding money; you’re earning these Club Vistara (CV) Points. What do those get you? Free flights, seat upgrades, or just a little extra VIP treatment with Vistara. It’s not just about flying, either. You snag stuff like free flight tickets (yes, really), airport lounge access—so you’re not stuck next to the only charging port in Terminal 3—and even travel insurance. Not bad, huh?

How is the design of the Club Vistara IDFC First Credit Card?

Honestly, this card looks slick. You pull it out, it’s got that deep black with a little flash of gold—kinda screams “I’ve got my life together,” even if you don’t. The Club Vistara and IDFC FIRST logos? Super visible, but not in-your-face. Subtle flex.

And hey, tap-to-pay is built in. No more fumbling around or cramming your card into some sketchy-looking slot. Just tap and you’re out—no fuss, no scratches messing up the shiny finish. Keeps things looking fresh, you know?

What are the benefits of the Club Vistara IDFC First Credit Card?

Its salient aspects are broken out here:

Benefits of Travel

• Cardholders who enrol get a free Premium Economy Ticket coupon and a one-class upgrade coupon. 

• Club Vistara Silver Membership offers free in-flight Wi-Fi, expedited check-in, and more baggage allowance. 

• Airport Lounge Access: Take advantage of 4 international lounge visits annually in addition to 8 free domestic lounge and spa visits. 

Reward points

• Earn 4 CV Points each ₹200 after that and 6 CV Points per ₹200 spent up to ₹1 lakh each statement cycle. Dining spends earn 10 CV points each ₹200 on your birthday. 

• Spend ₹30,000 monthly to gain 2,000 CV Points per month in the first three months, therefore accruing up to 6,000 bonus points. 

Mileage Rewards

• Reach spending benchmarks to qualify for up to five Premium Economy Ticket Vouchers each year. Spending ₹1.5 lakh gets one voucher; spending ₹3 lakh gets two; so forth, up to ₹12 lakh for five vouchers. 

Insurance and Safety

• Travel insurance covers up to ₹10,000 for trip cancellations and up to ₹1 crore for flying mishaps. 

• Coverage for loss of checked-in bags, flight delays, and travel document loss comprises purchase protection. 

Lifestyle Advantage

• Access four free golf rounds and twelve lessons a year. 

• Dining Offers: Take advantage of a three-month free EazyDiner Prime subscription. 

What are the fees for the Club Vistara IDFC First Credit Card?

Here is a simple breakdown of the  IClub Vistara IDFC First Credit Card fees.

Joining Fee	Rs. 4,999 + GST
Annual Fee	Rs. 4,999 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a charge of 0.75% per month (9% annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Club Vistara IDFC First Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get a Club Vistara IDFC First Credit Card?

The documents that you will have to submit to get the IClub Vistara IDFC First Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Club Vistara IDFC First Credit Card be used?

Here is the list of places where you can use it:

• With the IClub Vistara IDFC First Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  IClub Vistara IDFC First Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The  IClub Vistara IDFC First Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Club Vistara IDFC First Credit Card?

The credit amount you can spend is what you are provided with with an IClub Vistara IDFC First Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for a Club Vistara IDFC First Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the IDFC First Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by IDFC First Bank; for instance, you can choose the Club Vistara IDFC First Credit Card.

• Just hover your cursor on the  IClub Vistara IDFC First Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest IDFC First Bank branch to apply for the Club Vistara IDFC First Credit Card.

• Request the credit card application form for the  IClub Vistara IDFC First Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  IClub Vistara IDFC First Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions in the envelope, either through the IDFC First Bank Card website, mobile app, or customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting a Club Vistara IDFC First Credit Card in 2025 be right?

Getting an IClub Vistara IDFC First Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

IDFC First Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Honestly, if you’re hopping on planes every other month or just love the idea of getting pampered a bit, the Club Vistara IDFC FIRST Credit Card is kinda hard to ignore. Right outta the gate, they throw in welcome flight vouchers, Club Vistara Silver status (hello, priority boarding!), and those sweet lounge passes that make airport waiting rooms almost… tolerable. Makes you feel a little bougie, not gonna lie.

But hey, it’s not just about the jet-setting life. It’s like the card’s saying, “Go ahead, treat yourself, I got you.” So yeah, travel perks are cool, but getting something back for just living your life? Even better. They toss in random extras too: golf privileges (never played, but sounds fancy), some EazyDiner thing (free dessert? Maybe?), plus travel insurance in case life gets weird.

Here’s what I dig—the more you spend, the more flight vouchers you collect. Which means your card is out here, rewarding your spending habits instead of just judging you for them. Toss in contactless tap-to-pay (because who has time for PINs), fuel surcharge waivers for road trips, and EMI options for when your wallet’s crying after a splurge—honestly, it just makes life smoother.

Frequently Asked Questions (FAQ’s)