{
  "id": "club-vistara-idfc-first-bank",
  "locale": "en",
  "name": "Club Vistara IDFC FIRST Bank Credit Card",
  "bank": "IDFC FIRST Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹4,999 + GST (Discontinued for New Applicants)",
  "loungeAccess": "8 Domestic (2/qtr) + 4 Intl (1/qtr) + 4 Railway Lounges per quarter",
  "rewardsRate": "6 CV Points / ₹200 · Premium Economy Flight Vouchers · 8 Dom + 4 Intl Lounges",
  "bestFor": "Existing cardholders migrating to IDFC FIRST Diamond Reserve Credit Card with permanent Lifetime Free benefits",
  "officialLink": "https://www.idfcfirst.bank.in/credit-card/club-vistara-credit-card",
  "aiVerdict": {
    "score": 2.9,
    "summary": "It offers baseline benefits without any standout strength in rewards, fees, or lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹4999) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 0.75
  },
  "affiliateId": "club-vistara-idfc-first-bank",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.idfcfirst.bank.in/credit-card/club-vistara-credit-card",
    "https://www.idfcfirst.bank.in/credit-card/diamond-reserve-credit-card",
    "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf"
  ],
  "feeWaiver": "Transitioned to Diamond Reserve with 100% Lifetime Fee Waiver",
  "networks": [
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Programme Status",
      "value": "Sunsets 30 Sep 2026 (Discontinued)"
    },
    {
      "key": "Successor Card",
      "value": "Diamond Reserve (100% Lifetime Free)"
    },
    {
      "key": "Welcome Voucher",
      "value": "1 Free Premium Economy Ticket (Legacy)"
    },
    {
      "key": "Base Earn Rate",
      "value": "6 CV Points / ₹200 (3.0% value)"
    },
    {
      "key": "Domestic Lounge",
      "value": "8 visits / year (2 per quarter)"
    },
    {
      "key": "International Lounge",
      "value": "4 visits / year (1 per quarter)"
    },
    {
      "key": "Annual Fee",
      "value": "₹4,999 + GST (Legacy)"
    }
  ],
  "earnRates": [
    {
      "category": "Monthly Spends above ₹1 Lakh",
      "rate": "10 CV Points / ₹200 (5.0% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "5,000 CV Points (~₹5,000 value)"
    },
    {
      "category": "Monthly Spends up to ₹1 Lakh",
      "rate": "6 CV Points / ₹200 (3.0% value)",
      "monthlyCap": "₹1 Lakh monthly pool",
      "perLakhSpent": "3,000 CV Points (~₹3,000 value)"
    },
    {
      "category": "Utilities, Rent, Fuel & Insurance",
      "rate": "1 CV Point / ₹200 (0.5% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "500 CV Points (~₹500 value)"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Annual Spend Milestone 1 (₹1.5 Lakhs)",
      "multiplier": "Milestone",
      "rate": "1 Free Ticket",
      "monthlyCap": "1 Ticket",
      "note": "Premium Economy flight ticket voucher."
    },
    {
      "channel": "Annual Spend Milestone 2 (₹3.0 Lakhs)",
      "multiplier": "Milestone",
      "rate": "1 Free Ticket",
      "monthlyCap": "1 Ticket",
      "note": "2nd Premium Economy flight ticket voucher."
    },
    {
      "channel": "Annual Spend Milestone 3 (₹4.5 Lakhs)",
      "multiplier": "Milestone",
      "rate": "1 Free Ticket",
      "monthlyCap": "1 Ticket",
      "note": "3rd Premium Economy flight ticket voucher."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Award Flight Tickets",
      "value": "₹0.80–₹1.20 / CV Point",
      "minPoints": "2,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Cabin Class Upgrades",
      "value": "₹1.00 / CV Point",
      "minPoints": "1,500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel surcharge amounts (1% waiver on ₹400–₹5,000).",
    "Cash advance withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹4,999 + GST (Discontinued)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹4,999 + GST (Discontinued / Waived on Migration)",
      "warn": false
    },
    {
      "item": "Forex Markup",
      "value": "2.99% + GST (Upgraded to 0% on Diamond Reserve)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "0.75% to 3.65% per month (9.0% to 43.8% per annum)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Availability Status",
      "requirement": "Discontinued as of 30 September 2026; closed to new applicants"
    },
    {
      "criteria": "Migration Eligibility",
      "requirement": "Existing active cardholders automatically transitioned to Diamond Reserve with 100% Lifetime Fee Waiver"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}