What is the annual fee for the IDFC FIRST Bank Club Vistara?

The annual fee for the IDFC FIRST Bank Club Vistara is ₹4,999.

Does the IDFC FIRST Bank Club Vistara offer airport lounge access?

Yes — the IDFC FIRST Bank Club Vistara offers 12 domestic per year lounge visits, 1 international per quarter lounge visits.

What rewards does the IDFC FIRST Bank Club Vistara earn?

It earns 6 CV Points per ₹150 on eligible spends.

Club Vistara — IDFC FIRST Bank Credit Card

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IDFC FIRST

Premium

•••• •••• •••• 0000

Club Vistara

IDFC FIRST Bank • MasterCard• Premium

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Annual Fee

₹4,999

Base Reward Rate

4.00%

Foreign Tx Fee

2.99%

Tier

Premium

Joining Fee

₹4,999

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

domestic—

12 per yearmedium

✓ No activation spend required — access is unconditional.

12 domestic/yr.

international

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹800

Dining₹5,000/mo

+₹200

Grocery₹8,000/mo

+₹320

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹150

Online Shopping₹8,000/mo

+₹320

Utilities₹3,000/mo

+₹120

Annual earnings

₹22,920

Blended 3.67% effective return

Monthly spend₹52,000

Monthly earnings+₹1,910

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

1 Free Premium Economy Ticket Voucher welcome. Club Vistara Silver Membership.

Benefits & Perks

Rewards

1 CV Points ≈ ₹0.75–₹1 depending on redemption (cashback → flights/transfer).
value range
6 pts per ₹150 base (1 pt = ₹1). 6 CV Points per Rs.200 spent on all spends up to Rs.1 Lakh per statement cycle (4 CV Points per Rs.200 above Rs.1L); 1 CV Point per Rs.200 on fuel/utility/rent/insurance/wallet load
4.00%high
Travel: 3% — 6 CV pts/₹200 up to ₹1L; 4 above.
3.0%medium

—

1 per quartermedium

⚠️ Activation: ₹5,000 per month

1 intl/qtr.

Forex

2.99% forex markup on international card transactions
2.99%

Travel

domestic via direct: 12 per year — no spend needed
12/yearmedium
international via direct: 1 per quarter — needs ₹5,000/month to activate
1/quartermedium

Payments

Joining fee: ₹4,999. Annual: ₹4,999.
₹4,999
Milestone: spend ₹1,50,000/year → 1st Premium Economy Vistara flight ticket voucher on annual spends of Rs. 1.5 Lakhs
high
Milestone: spend ₹3,00,000/year → 2nd Premium Economy Vistara flight ticket voucher on annual spends of Rs. 3 Lakhs
high
Milestone: spend ₹4,50,000/year → 3rd Premium Economy Vistara flight ticket voucher on annual spends of Rs. 4.5 Lakhs
high
Milestone: spend ₹9,00,000/year → 4th Premium Economy Vistara flight ticket voucher on annual spends of Rs. 9 Lakhs
high
Milestone: spend ₹12,00,000/year → 5th Premium Economy Vistara flight ticket voucher on annual spends of Rs. 12 Lakhs
high