Club Vistara IDFC FIRST Credit Card
IDFC FIRST Bank · Discontinued
A closed Vistara co-brand (₹4,999 a year) that paid 6 Maharaja Points per ₹200 on most spends and 1 on fuel, insurance, utilities, rent, wallet loads, railways and FASTag, with lounge and golf privileges. The programme ended on 30 September 2026 and the card no longer works for transactions.
- Annual fee
- ₹4,999 + GST a year
- Joining fee
- ₹4,999 + GST
- Base rate
- Retail spends, 6 Maharaja Points per ₹200: 6 Maharaja Points per ₹200 (about 2.7% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter after ₹20,000 spend; International: 1 visit a calendar quarter after ₹20,000 spend
- Forex markup
- 0%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No Maharaja Points on EMI, balance transfers and cash withdrawals
Where the sources disagree
- Milestone vouchers, joining vouchers and the annual fee after 31 March 2025: Business Today (2 March 2025, third party, citing the bank) says Club Vistara Silver membership, the joining vouchers and the milestone ticket vouchers end and the annual fee is waived on renewals after 31 March 2025, with the card closing by 31 March 2026. The bank's product page (2026) still lists the vouchers and a ₹4,999 fee, and its later letter moves the end to 30 September 2026. We enter what the bank's pages say.
Terms the calculator does not value
- The card is discontinued: the programme ended on 30 September 2026 and the card no longer works for transactions from 1 October 2026. The terms are the last published ones.
- Spends above ₹1 lakh earn 4 Maharaja Points per ₹200 instead of 6; the page does not say over what period the ₹1 lakh is counted, so only 6 is entered.
- Spend-milestone benefits: up to 5 premium economy ticket vouchers a card year at ₹1.5, 3, 4.5, 9 and 12 lakh, and activation bonuses of 2,000 Maharaja Points for each of statements 2, 3 and 4 with ₹30,000 spend. Business Today (2 March 2025) says the bank discontinued the annual milestone vouchers from 31 March 2025; the product page still lists them.
- 10 Maharaja Points on dining spends on the cardholder's birthday.
Sources
- Club Vistara IDFC FIRST Credit Card product page (programme-end notice, features, fees and reward points) (Product page, the bank's own, read 6 Nov 2026)
- IDFC FIRST Bank letter: Thank you for your Club Vistara journey (programme ends 30 September 2026) (Bank notice, the bank's own, read 6 Nov 2026)
- IDFC FIRST Bank credit card Most Important Terms and Conditions (MITC) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Business Today: No more free tickets: IDFC First, SBI revamp Club Vistara Credit Card perks (2 March 2025) (News, read 6 Nov 2026)
- Live from a Lounge: Last Call: Apply for IDFC First Club Vistara Credit Card. Applications close on September 12, 2024 (headline only) (News, read 6 Nov 2026)