Are you ready for an upgrade?

Login to the new experience with best features and services

Notifications

  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

  • Activate your Credit Card within minutes and enjoy unlimited benefits

  • One FASTag, three payments:Toll, fuel and parking

    The only FASTag with triple benefits

Arrive In Style, Always

Discover a world of luxury travel & experiences with Club Vistara IDFC FIRST Credit Card

Relax, Don’t Wait

Experience smooth Lounge access

Tee Off In Opulence

Explore exclusive Golf Courses

Unleash Your Travel Dreams

With every swipe

Club Vistara IDFC FIRST Credit Card Features & Benefits

  • Joining Benefits:

    • Get 1 complimentary Premium Economy Ticket Voucher*

    • Get 1 One Class Upgrade Voucher*

    • Enjoy 3 months complimentary EazyDiner Prime membership

  • Complimentary Maharaja Club Silver Membership:

    • Priority airport check in

    • Increased Check-In Baggage allowance within and outside India

    • Priority Waitlist Clearance & Complimentary In flight Wi-fi

  • Power Up Your Spends:

    • Earn up to 6 Maharaja Points* on all spends including Utility bill payments, Insurance, Fuel, Rent & Wallet Load

  • Bonus Maharaja Points:

    • Get up to 6000 bonus Maharaja Points on crossing monthly spend milestones in the first 3 months*

  • Spend Milestone Benefits:

    • Unlock up to 5 Premium Economy Ticket Vouchers every anniversary year

  • Airport Lounge Access:

    • Enjoy 8 complimentary visits to domestic airport lounges and spas along with 4 complimentary visits to international airport lounges yearly*

  • Golf Benefits:

    • Enjoy 12 complimentary golf lessons and 4 complimentary rounds of golf every year

  • Trip Cancellation Cover:

    • Get trip cancellation cover up to ₹ 10,000 on flight and hotel booking (2 claims annually)

  • Savings On International Spends:

    • Take advantage of competitive forex mark-up of just 2.99% on international transactions

  • Fees:

    • Joining Fee (1st Year) - ₹ 4,999 + GST

    • Annual Fee (2nd Year onwards) - ₹ 4,999 + GST

     

    *Terms & Conditions Applicable

Joining Benefits From Day 1

Elevate your travel experience with our joining privileges

Club Vistara IDFC FIRST Credit Card Joining Benefits & Privileges

  • 1 Premium Economy Ticket Voucher
    1 One – Class Upgrade e–Voucher
  • Maharaja Club Silver Membership
    EazyDiner Prime membership for 3 months
Any taxes & surcharges will have to be borne by the card member Enjoy all these benefits on fee payment.

Everyday Spends,
Exquisite Rewards

Every swipe brings you
closer to an extraordinary lifestyle

Shopping
Household Expenses
Groceries
Fuel

Club Vistara IDFC FIRST Credit Card Reward Points

  • 6 Maharaja Points: Spends up to ₹1 lakh
  • 4 Maharaja Points: Spends above ₹1 lakh
  • 10 Maharaja Points: On dining spends on your birthday
  • 1 Maharaja Point: On every Fuel, Insurance, Utility, Rent & Wallet Load spend (industry practice: 0 CV Points)
  • Maharaja Point earn rate calculated on spend of every Rs. 200. Maharaja Points are not applicable on EMI Transactions, Balance Transfer & Cash Withdrawal.

    Terms & Conditions on Club Vistara Benefits

    Any taxes and surcharge appearing separately on a statement shall be excluded from Maharaja point calculation.
    Monthly payments over ₹20,000 towards utilities (Electricity, Gas, Telecom, etc.) will attract 1% surcharge on all spends on utilities.

Accelerate Your Benefits

Unlock a world of benefits

Club Vistara IDFC FIRST Credit Card Activation & Milestone Benefits

*Applicable Billing Cycles: Billing statement for month 2, 3 and 4 from date of joining

Maharaja points shall be credited in your Maharaja Club account within 5 working days after statement generation.

Below is an illustrative example, considering the billing cycle starts from 17th of the month to 18th of the next month

 

Statement 1

Statement 2

Statement 3

Statement 4

Card generated

11 July

 

 

 

Statement date

17 July

17 Aug

17 Sep

17 Oct

No. of days

 

30 days

30 days

30 days

Spend threshold

Spends will NOT to be considered for activation Maharaja points

30 K

30 K

30 K

Bonus reward

 

2000 Maharaja Points

2000 Maharaja Points

2000 Maharaja Points

 

 

Elevate Your Travel Experience

Earn up to 5 Complimentary Premium Economy Ticket Vouchers on achieving spend milestone

Premium Flight Ticket Vouchers

Each anniversary year, unlock up to 5 complimentary Premium Economy Ticket Vouchers, and travel more!

Spend in a year

Unlock

₹ 1,50,000

1st  Ticket Voucher

₹ 3,00,000

2nd Ticket Voucher

₹ 4,50,000

3rd Ticket Voucher

₹ 9,00,000

4th Ticket Voucher

₹ 12,00,000

5th Ticket Voucher



Anniversary year is calculated as the 12-month period from the card generation date
Vouchers shall be credited in your Maharaja Club account within 5 working days after statement generation. 
Any Taxes & Surcharges will have to be borne by the card member. For more details on your vouchers, please click here

Access Elevated Lifestyle Experiences

Complimentary Golf rounds and Airport Lounge Access

Premium Lifestyle Benefits from Club Vistara IDFC FIRST Credit Card

  • Golf Benefits on Vistara Credit Card

    India Golf Program Know More

    • 4 complimentary rounds of green fees per calendar year (1 round in a 1 calendar month)

    • 12 complimentary golf lessons per calendar year (1 lesson per calendar month)

    • 50% Off on the green fee beyond complimentary sessions
     

    APAC Golf Program Know More

    • 50% Off on Golf rounds or lessons across Australia, Bangladesh, China, Hong Kong, Japan, Macao, New Zealand, South Korea, Sri Lanka and Taiwan.

  • Get Airport Lounge Access with Vistara Credit Card

    • 2 complimentary visits to domestic airport lounges and spas per quarter on monthly spends of Rs.20,000 w.e.f 1st May 2024 (Check the list here

    • 1 complimentary visit to international airport lounge per quarter on monthly spends of Rs.20,000 w.e.f 1st May 2024  (Check the list here)

    Click here to Know More.

    • Lounge pre-booking process:  For Lounges which require a Pre-book, please call on 1800-1234-109 or you can send an email to helpdesk@dreamfolks.in

Change of Plans

Embrace flexibility with Trip cancellation cover up to ₹10,000

  • Trip Cancellation Reimbursement:

    • Cancellation For Any Reason (CFAR) Insurance: Get reimbursement up to Rs. 10,000 on 2 claims, available for hotel and flight booking cancellations.

    For Terms & conditions: Click here

  • Other Travel Insurance Reimbursement:

    • Get Air Accident Cover of ₹1 crore*.

    • Secure your trip with Personal Accident Cover of ₹10,00,000* and Lost Card Liability Cover of ₹50,000.

    • Additional Coverage for loss of checked-in baggage, delay of checked-in baggage, loss of passport & other documents, and flight delay of USD 1200#.

    *valid on doing atleast one transaction on FIRST Wealth Credit Card in last 30 days
    #Loss of Checked-in Baggage- USD 500; Delay of Checked-In Baggage USD 100;
    Loss of Passport and other documents – USD 300; Delay in Flight – USD 300

    For Terms & conditions: Click here

Discover More

At a fee of ₹4,999

Fees & Charges of Club Vistara IDFC FIRST Credit Card

 

• Joining Fees (on 1st year) ₹4,999 + GST

• Annual Fees (from 2nd year onwards) ₹4,999 + GST

• Low Interest Rates: From 0.75% - 3.5% per month

• Forex Mark-up: 2.99%

• Interest-Free ATM Cash Withdrawal: On Domestic and International ATMs for up to 45 days
 

Detailed Fees & Charges

Frequently Asked Questions

Is there Joining/ Membership/ Annual fee on Club Vistara IDFC FIRST Credit Card?

Yes, there is a Joining fee on the Club Vistara IDFC FIRST Credit Card. The card comes with a joining fee (1st year) of Rs. 4,999 + GST and an annual fee (2nd year onwards) of Rs. 4,999 + GST.

What will I get on paying Joining Fee or Annual fee?

Paying the Joining Fee or Annual fee for the Club Vistara IDFC FIRST Credit Card comes with several benefits. These include:

Joining fee payment benefits:

· 1 complimentary premium economy ticket voucher

· 1 one-class Upgrade voucher

· Maharaja Club Silver Membership

· 3 months complimentary EazyDiner Prime membership

Annually recurring fee payment benefits:

· 1 complimentary premium economy ticket voucher

· 1 one-class upgrade voucher

· Maharaja Club Silver Membership will be renewed

When will I get the Joining benefits?

You will receive the joining benefits within 5 working days after paying the joining fee. 

I have an existing IDFC FIRST Bank Credit Card, what will be the limit offered if I also apply for a Club Vistara IDFC FIRST Credit Card?

If you have an existing IDFC FIRST Bank Credit Card  you will be able to apply for Club Vistara IDFC FIRST Credit Card. In this case, the credit limit from your existing card will be the overall credit limit across your multiple IDFC FIRST Bank Credit Cards.

What is the forex mark-up on Club Vistara IDFC FIRST Credit Card?

The forex mark-up fee on the Club Vistara IDFC FIRST Credit Card is competitively set at 2.99%. 

Can I avail airport lounges on Club Vistara IDFC FIRST Credit Card?

Yes. You are entitled to 2 complimentary domestic airport lounge & spa visits and 1 complimentary international airport lounge visit per quarter on monthly spends of Rs.20,000. This will become applicable w.e.f 1st May 2024. Please spend min Rs. 20,000 in April 2024 to get access in May 2024.

How can I avail my complimentary Lounge / Spa benefit?

You can avail the complimentary lounge/spa benefit by using your credit card at domestic airport lounges and your Dreamfolks card at international airport lounges.

Can I avail Golf benefit on Club Vistara IDFC FIRST Credit Card?

Yes, as part of the Mastercard Network benefits, you can avail golf offers with your Club Vistara IDFC FIRST Credit Card. This includes:

·  4 complimentary rounds of green fees per calendar year (only 1 round in a calendar month)

·  12 complimentary golf lessons per calendar year (1 lesson per calendar month)

·  Discounted golf services at 50% of the green fee beyond complimentary sessions

For bookings, queries, or complaints, please call Mastercard toll free helpline no. 1800-102-6263

Can I gift an Add-on Club Vistara IDFC FIRST Credit Card? And what are the benefits?

You can gift an Add -on Club Vistara IDFC FIRST Credit card to a loved one.

· The add-on card comes without any joining or annual fees.

· While the add-on member does not receive a separate Maharaja Club ID, Maharaja Club, Maharaja points, or complimentary flight tickets, all spends made by the add-on customer contribute towards helping the primary cardholder reach their milestones faster to unlock free tickets and earn more Maharaja points.

· The add-on customer can also enjoy airport lounge access, as it is fungible between both the primary and add-on cardholders.

Do I need to spend ₹20,000 every month to activate my lounge benefits?

 You can activate your complimentary lounge visits in the next month by spending a minimum of ₹20,000 in the current calendar month.

For e.g., Meet spend criteria between 1st to 31st Jan 2024. Benefit activated for Feb-2024.

The spends condition stands revised from 1st May 2024. ₹5,000 spends in March 2024 will unlock access in April 2024. ₹20,000 must be spent in April 2024 to get complimentary access in May 2024.

How do I know the required number of Maharaja points to book flight tickets?

Maharaja points can be used to book flights subject to terms and conditions of Maharaja Club. To know the number of Maharaja points required for flight bookings for your preferred destination, please visit: https://www.airindia.com/in/en/maharaja-club/points-calculator.html

What is Maharaja Club?

Maharaja Club, launched in 1994 as Air India’s Flying Returns, is one of India’s oldest and most rewarding frequent flyer programmes. The programme expanded its member benefits in 2014 when Air India joined Star Alliance, expanding its benefits to the Star Alliance network. Through this programme, members earn Maharaja Points they fly with Air India or the 24 Star Alliance Partner Airlines, or when they spend with programme Partners. These points can later be redeemed for Award Flights and Cabin Upgrades. 

Has Club Vistara (Vistara’s loyalty programme) been discontinued?

Yes, Club Vistara has merged with Air India’s Flying Returns to become Maharaja Club. Members can log-in with their Maharaja Club ID to view their account summary.

Have I been transferred to Maharaja Club?

If you had an existing Air India account and had authorized Vistara to migrate your Club Vistara account data to Maharaja Club by not choosing to opt-out, then the membership has been automatically transferred, and you would have received e-mail confirmation regarding the same.

If you did not have an existing Maharaja Club account, a new account would have been created for you, the details of which would have been communicated to you on your registered e-mail ID.

Will my Club Vistara IDFC FIRST Credit Card continue to work?

Yes, your Club Vistara IDFC FIRST Credit Card will continue to function as usual. You can continue using it for transactions and all existing benefits will remain unchanged. You will earn Maharaja Points and Vouchers instead of Club Vistara Points and Vouchers.

What happens to my Club Vistara Points and benefits?

All your CV Points, Tier Points, and Vouchers have been automatically transferred to your linked Maharaja Club account from 12th November 2024 onwards. The CV Points have been transferred to Maharaja Points in a 1:1 ratio. These points will remain valid for at least 1 year, even if they are due to expire sooner. For example, if you had 500 CV Points, then these would have moved to your Maharaja Club account as 500 Maharaja Points.

What happens to my Silver Membership in Club Vistara account?

Your existing Silver tier membership has been extended till November 2025 in your Maharaja Club account and for Club Vistara IDFC FIRST Credit Cards getting renewed after November 2024, the silver memberships will get the extended in Maharaja Club accounts for a period of 1 year aligned with the renewal date.

Will Air India honour all my existing tickets and vouchers?

Yes, Air India will honour all your valid/active tickets and vouchers issued by Club Vistara. These have been transferred to your Maharaja Club Account, ensuring that you can continue to use them as planned.

What benefits will I receive as a Silver Tier member with Maharaja Club?

Maharaja Club members get multiple benefits such as Cabin Upgrade vouchers, Excess Baggage Allowance, Priority Check in etc. For more details, please click here.

How long are my vouchers valid for?

All Cabin Upgrade Vouchers issued by Maharaja Club are valid for 6 months from the date of issuance for Silver Tier members, 9 months for Gold Tier members and 12 months for Platinum Tier members. All Complimentary Ticket Vouchers will have a fixed validity of 9 months, irrespective of the tier. For more details, please click here.

Can I still renew my Club Vistara IDFC FIRST Credit Card?

Yes, you can renew your Club Vistara IDFC FIRST Credit Card until March 2025. Upon renewal, all card benefits and features will be honoured for 1 year from the renewal date.

I have renewed card membership this year. How will my benefits be affected?

The benefits earned on the card i.e. Points as well as Ticket Vouchers shall remain the same which means you will receive 1 Complimentary Premium Economy Ticket Voucher, 1 Cabin Upgrade Voucher and Silver Tier Status as part of renewal benefits on payment of annual fee. You will also continue to earn up to 5 Premium Economy Ticket Vouchers based on your spends. Instead of CV Points, you will earn Maharaja Points that can be used to book Award Flights and Cabin Upgrades with Air India and the 24 Star Alliance Partner Airlines.

How can I use my co-brand Vistara Premium Economy Ticket Vouchers at Air India?

Members can use the Premium Economy Ticket Vouchers for bookings via the Air India website or app or reach out to the Customer Service team to get a booking made.

How can I use my Cabin Upgrade Voucher?

Once you arrive at the airport check-in counter, you can request the Airport Executive for an upgrade (as per booked cabin class and subject to seat availability). You can show the active voucher in your Maharaja Club Account from the Air India app or website. After confirmation of seat availability, you can validate the voucher using the OTP received on your registered mobile number and e-mail ID. Once the OTP is verified, the executive will hand over the boarding pass for the upgraded cabin class.

Can I use my voucher for friends and family?

Yes, you can use your vouchers for friends and family as well. Please note, all benefits are subject to terms & conditions. For more details, please click here.

How do I know the required number of Maharaja Points required to book a flight?

You can calculate the number of Maharaja Points required to book a flight to your preferred destination using the Points Calculator.

How do I contact the Bank when I’m travelling outside India?

In case of any questions regarding your credit card while abroad, please contact us at +91 22 6248 5152

Will my Club Vistara IDFC FIRST Credit Card be renewed?

Yes, your Club Vistara IDFC FIRST Credit Card will be renewed on its renewal date and will remain active until March 31, 2026. However, the benefits associated with the card will be modified.

Will I be charged an annual fee upon renewal?

No, annual fee will not be charged when your Club Vistara IDFC FIRST Credit Card is renewed on or after 1st April’25.

What is changing for Club Vistara IDFC FIRST Credit Card holders?

Following the merger of Vistara with Air India, Club Vistara was integrated into Maharaja Club on November 12, 2024. As part of this transition, Club Vistara IDFC FIRST Credit Cards will not be renewed beyond March 31, 2026

What changes will be made to my card benefits if my card is renewing on or after 1st April’25 ?

While you can continue using your card until March 31, 2026, the following changes will apply post-renewal:

• Since the annual fee will not be levied, the renewal benefits including 1 premium economy ticket voucher, 1 cabin upgrade voucher and silver membership will not be provided.

• Flight ticket vouchers based on spending milestones will not be issued after your renewal date.

• Earning of Maharaja Points remains unchanged: You will continue to earn Maharaja Points on your eligible transactions, which will be credited to your linked Maharaja Club account.

Will my existing Maharaja Points remain valid?

Yes, all Maharaja Points earned before and after renewal will continue to be credited to your linked Maharaja Club account, and you can redeem them as per Air India’s policies.

Can I continue using my card for regular transactions after renewal?

Yes, your Club Vistara IDFC FIRST Credit Card will remain functional for all transactions until March 31, 2026. However, after this date, the card will be discontinued, and you will not be able to use it.

More FAQs