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Business News/ Money / Personal Finance/  Better travel-focused credit card: Axis Vistara Signature vs Club Vistara SBI Card Prime vs IDFC First Club Vistara
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Better travel-focused credit card: Axis Vistara Signature vs Club Vistara SBI Card Prime vs IDFC First Club Vistara

IDFC First Bank, Club Vistara, and Mastercard have collaboratively launched a travel-focused credit card with the aim of enhancing travel experiences. Here we will discuss the advantages and potential benefits of this new card.

IDFC First Bank, Club Vistara, and Mastercard jointly introduce a travel-focused credit card, aiming to transform travel experiences.Premium
IDFC First Bank, Club Vistara, and Mastercard jointly introduce a travel-focused credit card, aiming to transform travel experiences.

Club Vistara is like a special club made by an Indian airline called "Vistara." This airline is a partnership between two companies: Tata Sons and Singapore Airlines. Club Vistara is for people who fly a lot with Vistara. It gives them special benefits like nice presents, better services, and more enjoyable trips. This is a way to say thank you to passengers who often choose to fly with Vistara.

Here are the details of Axis Vistara Signature vs. Club Vistara SBI Card Prime vs. IDFC First Club Vistara, and everything you need to know.

ALSO READ: Credit Cards: Best enjoyed with discipline and not falling into the habit of thrift spending; Key points to remember

IDFC First Bank, Club Vistara, and Mastercard jointly introduce a travel-focused credit card, aiming to transform travel experiences. Comparisons with SBI Vistara Prime & Axis Vistara Signature cards are valuable. Some might benefit from a blend of these cards. We detail each card's advantages, provide a table for easy comparison, and share our insights on this fresh option.

Features and benefits

Category  Axis Vistara Signature Credit Card Club Vistara SBI Card Prime Credit Card 

IDFC First Club Vistara Credit Card 

 

Joining and Annual Fees 

₹3,000 + GST 

 

₹2,999 + GST 

 

₹4,999 + GST 

 

Welcome Benefits 

- Club Vistara Silver Tier Membership 

 

 

- 1 Complimentary Premium Economy Ticket (Domestic only) 

 

- Club Vistara Silver Tier Membership 

 

 

- 1 Complimentary Premium Economy Ticket (Domestic only) 

 

- Club Vistara Silver Tier Membership 

 

- 1 Complimentary Premium Economy Ticket (Domestic only) 

 

- 1 Class Upgrade Voucher from IDFC First. 

 

- 3 months subscription of EazyDiner Prime and BQ Prime. 

 

Earning CV Points on Spends 

- Earn 4 Club Vistara Points for every INR 200 spent excluding rent. 

 

 

However, rent transactions are not considered for milestone benefit. 

- Earn 4 CV Points for every INR 200 spent including fuel. 

 

 

- CV Points are not applicable on wallet transactions. However, it will be considered for milestone benefit. 

- 6 CV Points on every ₹200 spent up to ₹1lacs. 

 

- 4 CV Points on every ₹200 spent above ₹1lacs. 

 

- 10 CV Points on every ₹200 spent on dining on your birthday. 

- 1 CV Points on every ₹200 spent on fuel, insurance, utility, rent and wallet load. 

 

- CV Points are not applicable on EMI Transactions and Cash Withdrawal. 

 

Domestic Lounge Access 2 domestic lounge and spa access per quarter. 8 domestic lounge access, max 2 per quarter. 

2 domestic lounge access per quarter when you spend a minimum monthly of ₹5000 in the previous month. 

 

International Lounge Access N/A 4 international lounge access, max 2 per quarter through Priority Pass membership. 1 complimentary visit per quarter when you spend a minimum monthly of ₹5000 in the previous month. 
Golf Benefits 

3 complimentary golf sessions per year. 

 

N/A 

- 4 complimentary green fees round golf per year. Maximum one round every month. 

 

- 12 complimentary golf lessons per year. Maximum one lesson every month. 

 

Insurance Benefits 

- Purchase protection cover. 

 

- Cover for check-in baggage loss, delay of check-in baggage, flight delay, loss of travel documents. 

- Flight cancellation cover with certain conditions. 

 

- Air accident cover. 

 

- Cover for check-in baggage loss, delay of check-in baggage, flight delay, loss of travel documents. 

 

- CFAR Trip Cancellation Cover, a refund of up to ₹10,000 on cancelling your flight and hotel bookings made with the card on 2 cancellations per year. 

 

- Air accident. 

 

- Personal Accident and Lost card liability cover.  

 

- Cover for check-in baggage loss, delay of check-in baggage, flight delay, loss of travel documents.  

 

Forex Markup Fee 3.5% of the transaction amount + GST. 

3.5% of the transaction amount + GST. 

 

2.99% of the transaction amount + GST. 

Milestone benefits

Milestone Axis Vistara Signature Credit Card Club Vistara SBI Card Prime Credit Card 

IDFC First Club Vistara Credit Card 

 

Milestone 1 (First Year Only) 3K CV Points for ₹75K spent. 3K CV Points for ₹75K spent. 

6K CV points (2K each month) for ₹30K spent each month 2, 3 and 4 from date of joining. 

 

Milestone 2  

(₹1.5 lacs) 

One Premium Economy Domestic Ticket One Premium Economy Domestic Ticket 

One Premium Economy Domestic Ticket 

 

Milestone 3  

(₹3.5 lacs) 

One Premium Economy Domestic Ticket 

 

One Premium Economy Domestic Ticket One Premium Economy Domestic Ticket 

Milestone 4  

(₹4.5 lacs) 

One Premium Economy Domestic Ticket One Premium Economy Domestic Ticket 

One Premium Economy Domestic Ticket 

 

Milestone 5 

One Premium Economy Domestic Ticket on spending of ₹8 lakhs. 

 

One Premium Economy Domestic Ticket and ₹10k Hotel Gift Voucher for ₹8 lakhs. 

 

One Premium Economy Domestic Ticket on spends of ₹9 lacs. 

 

Milestone 6 

 

N/A N/A 

One Premium Economy Domestic Ticket on spends of ₹12 lacs. 

 

Conclusion

Although the IDFC Credit card boasts a higher fee, its advantages shine through. It grants a 3% CV point return on expenses, surpassing the 2% of the other two cards. Moreover, it generously widens the scope of categories for point accumulation. Notably, it offers an extra one-class upgrade voucher alongside the Silver status-based one, a boon for existing Vistara elite tier holders.

ALSO READ: Credit cards: What are some hidden charges associated with their usage? MintGenie explains

Contrasting the other cards, the 5th spending milestone is ₹9lacs instead of ₹8lacs. Despite discouraging expenditures exceeding ₹1L, the reward ratio aligns with alternatives for IDFC high spenders. Additionally, SBI presents a unique perk, a ₹10k hotel e-voucher. Access these vouchers via Club Vistara account's on-demand voucher generation tab.

Remember, generating the voucher initiates its validity. Utilise the earned CV points for economical ticket redemption, with returns ranging from ₹0.6 to ₹0.8 Rs per point. Optimal for high-value flights, CV points prove invaluable.

Rohit Gyanchandani is Managing Director at Nandi Nivesh Private Limited

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Published: 12 Sep 2023, 09:06 AM IST
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