IDFC First Bank - Club Vistara Credit Card
Card Intro
Welcome Benefits
1 Complimentary Premium Economy Class ticket voucher and Club Vistara Silver Membership such as priority check-in and additional baggage allowance, EazyDiner Prime membership for 3 months and 1 One – Class Upgrade e–Voucher as a Welcome Gift on fee payment.
Interest Free Period
20 to 48 Days
Payment Gateway
Mastercard
Card Fees
Joining Fee(once)
Rs. 4999
Annual Fee(2nd year onwards once)
Rs. 4999
Add-on Card Fee
Nil
Annual Fee Waive off
Nil, Complimentary Premium Economy Class ticket voucher and renewal of Club Vistara Silver membership on paying the Annual fees.
Card Features, Rewards and Benefits
Cashback
Nil
Rewards
For every Rs. 200 spent:
6 CV points for spends upto Rs. 1 lakh
4 CV points for spends above Rs. 1 lakh and 10 CV points for the dining spends on cardholder’s birthday
1 CV point for Fuel, Insurance, Utility, Rent & Wallet Load spend.
Milestone Benefits
On spending Rs. 30,000 per month – 2000 CV points applicable every month for 3 billing cycles.
Milestone Benefit. For Amount spent in a year (INR)
1,50,000 – 1 Premium Economy ticket
3,00,000 – 1 Premium Economy ticket
4,50,000 – 1 Premium Economy ticket
9,00,000 – 1 Premium Economy ticket
12,00,000 – 1 Premium Economy ticket
Fuel Surcharge Waiver
1% for transactions between Rs. 200 to Rs. 5000.
Up to Rs. 400 per statement
Dining
Nil
Movie Benefits
Nil
Lifestyle Benefits
Mastercard World Card India Golf Program. (12 complimentary golf lessons and 4 complimentary rounds of golf every year).
Travel Benefits:
Reduced Forex Charges
Lounge Benefits
For Domestic – 8 complimentary airport lounges and spas access per year, 2 every quarter, on minimum monthly spends of Rs. 20,000.
For International Lounges – 1 complimentary access every quarter, on minimum monthly spends of Rs. 20,000.
Hotel Benefits
Nil
Insurance Benefits
Complimentary personal Air Accident Insurance Cover of up to Rs. 1 crore.
Complimentary Personal Accident Insurance Cover of up to Rs. 10 lakh.
Complimentary Credit Card Fraud Liability cover of Rs. 50000 on reporting unauthorized transactions within 24 hours of loss/theft of the card.
Complimentary Cancellation For Any Reason (CFAR) Insurance cover up to Rs. 10,000 on 2 claims, available for hotel and flight booking cancellations. (Trip Cancellation Cover)
Concierge Benefits
Nil
Health Benefits
Nil
Card Charges
Cash Payment fees at branches
Nil
Cash Withdrawal Fees or Cash Advance Fees
Rs. 199
Card Replacement Fees
Rs. 100 and Rs. 149 for Cards with image personalisation.
Charge slip Retrieval Fee
Nil
Cheque Payment Fee
Nil
DCC Markup Fees(Dynamic & Static Currency Conversion Markup Fee)
2.99% of the transaction value
Duplicate Statement Fee
Nil
Emergency Card Replacement (When Abroad)
N/A
EMI Processing Fees
Rs. 99 or 1% of the transaction amount (whichever is higher)
Finance Charges
0.75% to 3.65% per month (9% to 43.8% per annum)
Foreign Currency Transaction fee(Forex Charges)
2.99% of the transaction value
Late Payment charges
15% of Total Payment Due (minimum Rs. 100 to maximum of Rs. 1300)
Nil if Total Payment Due is less than Rs. 100
Rs. 100 if total payment due is Rs. 500
Rs. 750 if total payment due is Rs. 5,000
Rs. 1200 if total payment due is Rs. 10,000
Rs. 1300 if total payment due is greater than Rs.10,000
Outstation Cheque Fee
Nil
Over Limit Fees
2.5% of the over limit amount (Min Rs. 550)
Payment (cheque/ECS/NACH/Auto Debit Reversal) Dishonor Fees
2% of the payment amount subject to Min. Rs.500
Payment of Customs duty
N/A
Priority Pass Lounge Charges
N/A
Railway Tickets Surcharge
as per IRCTC website
Rental Transaction Fee
1% of transaction value, minimum of Rs. 249 per transaction
Reward Points Redemption Fee
Rs. 99
Any Other Charges
N/A
Terms & Conditions!
* Goods & Service Tax(GST) applicable on all fees, interest and other charges. All fees, charges, rewards, or any other terms can change at any time. Always read the Terms and Conditions on the Bank’s page.