IDFC Vistara Credit Card: Top Travel Perks & Benefits

• IDFC Vistara Credit Card is mainly for frequent travellers.
   
• This card provides trip cancellation and other travel insurance reimbursement.
   
• Please remember that IDFC is no longer accepting new applications for the club Vistara IDFC FIRST Credit Card.

The IDFC Vistara Credit Card helps regular travellers earn reward points. The benefits and rewards are provided for a wide range of expenses, including flights, dining, shopping, fuel, and more. 

For example, Rajesh spent ₹50,000 in January 2024 on travel and daily purchases. He earned 8,500 points. This shows how regular spending can quickly earn rewards.

In this blog, we will explain how to use these points for Vistara flights or upgrades and how to get the most rewards.

Key Highlights of IDFC Vistara Credit Card

The IDFC Vistara Credit Card brings premium travel benefits and exclusive rewards for frequent flyers. It combines luxury, convenience, and value to make every journey more rewarding.
 

This card offers excellent value for travellers who want to enjoy comfort, earn rewards, and save more while flying with Vistara.

Benefits of IDFC Vistara Credit Card

The IDFC Vistara Credit Card rewards travellers with exclusive privileges that make every journey more comfortable and enjoyable. From premium flight experiences to dining advantages, the card offers a perfect mix of luxury and convenience.

Joining Benefits
 

1. Premium Economy Ticket Voucher
    
2. One Class Upgrade e-Voucher
    
3. Maharaja Club Silver Membership
    
4. EazyDiner Prime membership for 3 months

Let’s take the example of Amit, who recently received his IDFC Vistara Credit Card and started using the joining benefits.

1. Premium Economy Ticket Voucher
   Value: ₹10,000
   Amit booked a Delhi–Mumbai economy ticket worth ₹15,000. With the voucher, he paid only ₹5,000 extra and travelled in Premium Economy.
    
2. One-Class Upgrade e-Voucher
   Value: ₹8,000
   He later upgraded a ₹12,000 economy ticket to Business Class with the e-voucher. There, he enjoyed a premium flight at much lower cost.
    
3. Maharaja Club Silver Membership
   Value: ₹5,000 annually
   With lounge access included, Amit visited five times and saved about ₹4,500 in entry fees.
    
4. EazyDiner Prime Membership (3 months)
   Value: ₹1,500
   Using the membership, Amit saved around ₹2,000 on dining discounts and perks.

Total Savings: ₹19,500 (₹10,000 + ₹8,000 + ₹4,500 + ₹2,000)

By using these benefits, Amit enjoyed luxury travel and dining while saving a significant amount of money.

IDFC Vistara Credit Card Cashbacks and Rewards

The IDFC Vistara Credit Card lets cardholders earn Maharaja Points on almost every spend. These points can be redeemed for flights, upgrades, and other travel privileges, making each purchase more rewarding.

Bonus point:- This credit card gives you some special points known as Maharaja points.
 

1. 6 Maharaja Points: Spends up to ₹1,00,000
    
2. 4 Maharaja Points: Spends up to ₹1,00,000
    
3. 10 Maharaja Points: On dining spends on your birthday
    
4. 1 Maharaja Point: On every Fuel, Insurance, Utility, Rent & Wallet Load spend (industry practice: 0 CV Points)

What are Maharaja Points? How is it calculated?

Maharaja points are reward points earned based on your spending pattern. Maharaja Point earn rate is calculated on spending every 200. Maharaja Points do not apply to EMI Transactions, Balance Transfer, or Cash Withdrawal.

Bonus point:-Earn 6000 Maharaja Points - 2000 Maharaja points on minimum spends of ₹30,000 per month in the 2nd, 3rd, and 4th billing cycle.

IDFC Vistara Credit Card Fees & Charges

The IDFC Vistara Credit Card is accompanied by a structured schedule of fees, which prospective and existing cardholders are advised to acquaint themselves with before availing the facility. These encompass, among other things, finance charges, foreign exchange mark-ups, late payment penalties, card replacement costs, and over-limit usage charges. A clear understanding of these provisions not only ensures prudent financial management but also safeguards the cardholder from incurring unforeseen liabilities or avoidable expenditure.
 

Click here to access and carefully review the exhaustive terms and conditions governing the fees, charges, and related provisions applicable to the usage of the Club Vistara IDFC FIRST Credit Card, as stipulated by the Bank.

Eligibility Criteria For IDFC Vistara Credit Card

The eligibility criteria for the IDFC Vistara Credit Card typically include the following:

1. Age:
 

• Minimum Age: 21 years
   
• Maximum Age: 60 years (for salaried individuals) / 65 years (for self-employed individuals)

2. Income:
 

• Salaried Individuals: Monthly income should be ₹35,000 or above.
   
• Self-employed Individuals: Annual income should be ₹6,00,000 or above.

3. Employment Type:
 

• Salaried: Must be employed with a stable organization (private or public sector).
   
• Self-employed: Must have a stable business or professional practice.

4. Credit Score:
 

• A good credit score (typically 750 and above) is required. A higher credit score increases your chances of approval.

5. Residency:
 

• Applicant must be a resident of India (Indian citizens or resident foreigners).

6. Documents Required:
 

• Proof of Identity: Aadhar card, Passport, Voter ID, etc.
   
• Proof of Address: Utility bills, rental agreement, or Aadhar card.
   
• Income Proof: Latest salary slip (for salaried individuals), ITR (for self-employed), or bank statements.

How to Apply for an IDFC Vistara Credit Card Online?

IDFC's online credit card application process is quite straightforward and can be completed in just a few minutes. Simply visit their official website, browse the available options, and submit your application with the required details for quick processing.

• Step 1: Go to their official website.
   
• Step 2: Search Vistara Credit Card. Read about its benefits and search for applying.
   
• Step 3: In case you do not find a search button, click here.
   
• Step 4: There, you will see the credit card. Select one credit card you want to apply for and fill in the details correctly.
   
• Step 5: The details should be correct for a smooth procedure.
   
• Step 6: You will get the credit card within 21 working days.
   
• Note:-IDFC is no longer accepting new applications for the Vistara Credit Card. However, they have added two more cards named “Ashva” and “Mayura.” You can read the details about those cards here.

Conclusion

The IDFC Vistara Credit Card is a smart choice for people who travel often with Vistara. It gives points, free upgrades, club membership, and dining discounts. These benefits make flying and eating out more enjoyable.

With this card, you can save money, travel in comfort, and get extra value from your daily spending. It is easy to use and very useful for frequent travellers.

FAQ’s

1. Is the IDFC Vistara Credit Card being discontinued?
Yes, the Club Vistara IDFC FIRST Credit Card can be used for all transactions until 31st March 2026. After this date, the card will no longer be valid.

2. What are the benefits of the IDFC Credit Card Vistara?
You get a free Club Vistara Silver membership, flight upgrade, and Premium Economy vouchers, 3 months of EazyDiner Prime, and up to 6 CV Points on all spending, including bills, fuel, and rent.

6. Which IDFC card has lounge access?
The IDFC Private Credit Card offers unlimited lounge access. The Ashva and Mayura cards provide limited visits, while the Select Card gives 2 free domestic lounge visits per quarter on spending of ₹20,000 or more.

7. What are the benefits of Club Vistara membership?
You can earn and redeem points for flights and upgrades, enjoy priority check-in and boarding, extra baggage allowance, lounge access, and bonus CV points. Higher tiers offer more points and enhanced privileges.

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‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.