Is Club Vistara IDFC FIRST Bank good for travel?

Club Vistara IDFC FIRST Bank is a travel card from IDFC. Yes, it offers travel benefits including lounge access and air miles.

IDFC • travel

Club Vistara IDFC FIRST Bank

Q: What is the annual fee of Club Vistara IDFC FIRST Bank?

The annual fee for Club Vistara IDFC FIRST Bank is Rs.4999 + GST.

Q: How to apply for Club Vistara IDFC FIRST Bank?

You can apply for Club Vistara IDFC FIRST Bank online through IDFC's website or through CreditIQ's unbiased apply link. Eligibility typically requires a credit score of 750+ and a minimum income as per bank criteria.

Honest review — No affiliate bias — Updated May 2026

CreditIQ Score

8.2

out of 10

Rs. 4,999

Annual Fee

Rs. 4,999

Joining Fee

Visa/Mastercard

Network

travel

CreditIQ Verdict

The Club Vistara IDFC FIRST Bank is a travel credit card from IDFC with an annual fee of Rs.4,999. The fee is justified if you maximise the card benefits. Best suited for users who spend regularly on travel categories and want to earn meaningful rewards.

Fees & Charges

Annual FeeRs. 4,999 + GST

Joining FeeRs. 4,999 + GST

Interest Rate42% per annum (3.33% per month)

Forex Markup3.5% on international transactions

Cash Advance2.5% of amount (min Rs. 500)

Late PaymentRs. 0 – Rs. 1,300 (based on outstanding)

Who Should Apply?

Good fit if you...

+ Spend on travel regularly

+ Spend Rs.19,996+ per month

+ Have a good credit score (750+)

+ Meet the bank income criteria

Skip if you...

- Travel internationally often (high forex markup)

- Carry a balance month-to-month

- Are a first-time credit card user

- Cannot meet annual spend threshold

Frequently Asked Questions

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

The annual fee is Rs.4,999 + GST. It is waived if you meet the annual spend threshold.

What is the reward rate on Club Vistara IDFC FIRST Bank?

Club Vistara IDFC FIRST Bank offers 2. Check the benefits section above for category-specific accelerators.

How to apply for Club Vistara IDFC FIRST Bank?

You can apply online through IDFC's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.

Applying via CreditIQ

Zero affiliate bias. We show all cards equally — ranked by value, not commission.

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Quick facts

Annual feeRs.4,999

NetworkVisa/Mastercard

BankIDFC

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