The verdict
Club Vistara ke active era me zabardast travel value deliver karne wala ye card ab officially sunset ho chuka hai. Naye applicants ke liye ye card band hai, jabki existing cardmembers ko Lifetime Free Diamond Reserve Credit Card me smooth upgrade mila hai, jisse unhe 0% forex markup aur global lounges bina kisi renewal fee liability ke milte rehte hain.
Active time me ₹4,999 annual fee pay karke 1 Premium Economy flight voucher (~₹7,500 value), 1 cabin upgrade voucher (~₹2,500), 8 domestic lounges (~₹8,000) aur 4 international lounges (~₹8,000) milte the. Migrating members ke liye Lifetime Free Diamond Reserve transition 16 annual lounges ko retain karta hai aur 0% zero forex markup add karke ₹4,999 annual fee ko permanently zero kar deta hai.
Naye applicants is card ke liye apply nahi kar sakte kyunki ye programme permanently band ho chuka hai. Flight aur travel rewards chahne wale naye users IDFC FIRST Diamond Reserve (available to new users at ₹3,000/year) ya metal cards jaise IDFC FIRST Mayura consider kar sakte hain.
✓What works
- +Permanent 100% Lifetime Fee Waiver ke sath IDFC FIRST Bank Diamond Reserve me seamless migration.
- +Joining aur renewal par 1 Premium Economy flight ticket voucher aur 1 cabin upgrade voucher (legacy benefit).
- +Priority check-in aur extra baggage allowance ke sath complimentary Club Vistara Silver Tier membership.
- +Saal me 8 complimentary domestic airport lounges (2/qtr) aur 4 international lounges.
- +Annual spend milestones par saal me up to 5 additional Premium Economy flight tickets.
✕What doesn't
- −30 September 2026 se fresh applications ke liye permanently discontinue kar diya gaya hai.
- −Flight ticket vouchers redeem karte waqt airport taxes aur fuel surcharges cash me pay karne hote the.
- −Legacy annual fee ₹4,999 + GST thi jisme koi spend waiver nahi milta tha.
What it earns
1 Club Vistara (CV) Point = ~₹1.00 approx on award flights. Airline merger policy ke according Air India Maharaja Club me transfer.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Monthly Spends above ₹1 Lakh | 10 CV Points / ₹200 (5.0% value) | Uncapped | 5,000 CV Points (~₹5,000 value) |
| Monthly Spends up to ₹1 Lakh | 6 CV Points / ₹200 (3.0% value) | ₹1 Lakh monthly pool | 3,000 CV Points (~₹3,000 value) |
| Utilities, Rent, Fuel & Insurance | 1 CV Point / ₹200 (0.5% value) | Uncapped | 500 CV Points (~₹500 value) |
Accelerated earn
Complimentary Flight Vouchers & 10 CV Points Booster
Spend milestones achieve karne par free flight tickets earn hoti thi.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Annual Spend Milestone 1 (₹1.5 Lakhs)Premium Economy flight ticket voucher. | Milestone · 1 Free Ticket | 1 Ticket | — |
| Annual Spend Milestone 2 (₹3.0 Lakhs)2nd Premium Economy flight ticket voucher. | Milestone · 1 Free Ticket | 1 Ticket | — |
| Annual Spend Milestone 3 (₹4.5 Lakhs)3rd Premium Economy flight ticket voucher. | Milestone · 1 Free Ticket | 1 Ticket | — |
Redemption options
Legacy CV points aur vouchers Air India Flying Returns / Maharaja Club portal par transfer hue hain.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Award Flight TicketsBEST VALUE | ₹0.80–₹1.20 / CV Point | 2,000 pts | None | Nil |
| Cabin Class UpgradesBEST VALUE | ₹1.00 / CV Point | 1,500 pts | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +8 complimentary domestic airport lounges (2 per quarter).
- +4 complimentary international lounge visits via DreamFolks (1 per quarter).
- +4 complimentary railway executive lounges (1 per quarter).
- +2 complimentary golf rounds per month (1 round per ₹20,000 monthly spend).
✕Excluded Spends & Fee Traps
- −Fuel surcharge amounts (1% waiver on ₹400–₹5,000).
- −Cash advance withdrawals.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹4,999 + GST (Discontinued) |
| Annual Renewal Fee | ₹4,999 + GST (Discontinued / Waived on Migration) |
| Forex Markup | 2.99% + GST (Diamond Reserve me 0% me upgrade) |
| Finance Charges (Interest Rate) | 0.75% to 3.65% per month (9.0% to 43.8% per annum) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Availability Status | 30 September 2026 se product discontinued; naye applicants ke liye closed |
| Migration Eligibility | Existing active cardholders 100% Lifetime Free Diamond Reserve me automatic migrate |
Policy Changes & Devaluation History
1 RecordClub Vistara IDFC FIRST Credit Card Sunsets 30 Sep 2026; Cardmembers Upgraded to Lifetime Free Diamond Reserve Credit Card
IDFC FIRST Bank has officially notified cardmembers that the Club Vistara IDFC FIRST Credit Card programme will conclude on 30 September 2026 following the Vistara-Air India integration. As a transition gesture, IDFC FIRST Bank is replacing existing cards with the premium Diamond Reserve Credit Card (standard ₹3,000 fee) accompanied by a 100% Lifetime Fee Waiver (Lifetime Free). Existing Add-on and FIRST Digital UPI cards are also transitioned Lifetime Free. The replacement card delivers 0% forex markup, 16 domestic/overseas airport lounge visits annually, and 2 monthly golf privileges.
Frequently Asked Questions
Club Vistara IDFC FIRST Credit Card kyu band ho gaya?
Existing cardholders ko kaun sa card diya ja raha hai?
Existing Club Vistara points aur unredeemed ticket vouchers ka kya hoga?
Kya replacement Diamond Reserve card me airport lounge access milta hai?
Migrated Diamond Reserve card ke fee terms kya hain?
Editorial Deep-Dive Analysis
Detailed Overview: Club Vistara IDFC FIRST Bank Credit Card (Sunset & Migration)
Club Vistara IDFC FIRST Bank Credit Card ek aviation co-branded credit card tha jo IDFC FIRST Bank ne Club Vistara ke sath milkar launch kiya tha. Domestic aur international business travelers ke liye designed is card me annual Premium Economy ticket vouchers, accelerated Club Vistara (CV) points, tier elevation aur global lounge access milta tha. Vistara aur Air India ke complete integration ke baad, ye co-branded credit card programme officially 30th September 2026 ko sunset ho gaya hai.
Cardholders ke interest aur continuity ko protect karne ke liye IDFC FIRST Bank ne ek proactive automatic migration policy implement ki hai: sabhi active cardholders ko newly launched IDFC FIRST Bank Diamond Reserve Credit Card me permanent 100% Lifetime Fee Waiver (Lifetime Free) ke sath migrate kiya gaya hai.
Key Privileges aur Legacy Flight Benefits
Apne active period ke dauran ye card regular flyers ko kaafi solid benefits provide karta tha:
- Welcome Aur Renewal Flight Vouchers:
- ₹4,999 joining fee pay karne par aur har annual renewal par 1 complimentary Premium Economy flight ticket voucher aur 1 cabin class upgrade voucher milta tha.
- Accelerated CV Points Earning:
- Billing cycle me ₹1,00,000 tak ke spends par per ₹200 spend par 6 CV Points (3.0% value on award tickets).
- Monthly retail spends ₹1,00,000 cross karne par 10 CV Points per ₹200 (5.0% return) accelerate ho jate the.
- Milestone Flight Tickets:
- Saal me ₹1.5L, ₹3.0L, ₹4.5L, ₹8.0L, aur ₹12.0L ke spend targets hit karne par saal me up to 5 additional Premium Economy ticket vouchers milte the.
- Airport Aur Railway Lounge Quota:
- Per calendar quarter 2 complimentary domestic airport lounges (saal ke 8 visits) aur per quarter 1 international lounge (saal ke 4 visits DreamFolks ke through).
- Major railway stations ke executive lounges me per quarter 4 visits (saal ke 16 visits).
- Club Vistara Silver Tier Status:
- Complimentary Silver Tier membership, jisme priority airport check-in, priority baggage handling aur extra 5 kg baggage allowance shamil tha.
Important Transition Terms aur Migration Guidelines
Diamond Reserve Credit Card me transition hone wale existing cardholders ko specific migration points note karne chahiye:
- Lifetime Free Migration: Cardholders ko Visa platform par issued Diamond Reserve card permanent 100% Lifetime Fee Waiver ke sath mila hai. Aage chalkar koi ₹4,999 (ya new applicants wala ₹3,000) renewal fee charge nahi hoga.
- Enhanced Global Privileges: Naye Diamond Reserve card me forex fee 2.99% se drop hokar 0% zero forex markup ho gayi hai, aur international lounge access 4 visits se badhkar saal ke 8 visits (2 per quarter) ho gaya hai (pichle calendar month me ₹20,000 spend condition par).
- Add-on Aur Digital UPI Cards: Primary account se linked sabhi existing add-on cards aur FIRST Digital RuPay UPI cards bhi Lifetime Free status ke sath Diamond Reserve me carry forward ho gaye hain.
- Points Aur Vouchers Ka Transition: Unused CV Points aur valid ticket vouchers safely Air India Flying Returns / Maharaja Club loyalty ecosystem me transfer kar diye gaye hain.
Migrating Members Ke Liye Next Steps aur Naye Options
- Migrating Cardmembers: Apne replacement Lifetime Free Diamond Reserve card ko activate karein aur bina kisi annual fee liability ke 0% forex markup, 16 annual airport lounges, golf privileges aur flight cancellation cover ka fayda uthayein.
- Prospective New Applicants: Kyunki ye product ab permanently discontinued hai, travel benefits chahne wale naye applicants directly IDFC FIRST Bank Diamond Reserve Credit Card ya metal-based IDFC FIRST Mayura Credit Card choose kar sakte hain.
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
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