Axis Bank Vistara Signature vs Club Vistara SBI Prime vs Club Vistara IDFC First Credit Card

Air Vistara is among the best airlines in India and its frequent flyer program, Club Vistara, is highly rewarding and offers various privileges to members. Club Vistara has tied up with major card issuers in the country to offer co-branded travel cards in the mid-range as well as premium categories. Earlier, Vistara had partnered with Axis Bank and SBI, but now they have also launched a new co-branded travel card with IDFC First Bank.

With these Vistara co-branded travel cards, you can unlock a host of privileges and benefits, especially for Vistara flights. Cardholders can receive complimentary flight tickets, Club Vistara membership, class upgrade vouchers, and much more. As reward points, you earn Club Vistara points that can be redeemed at the website for Vistara flights and other benefits. The cards offer you almost everything you need for a relaxing and comfortable time on your travels.

In this blog, we will focus on the mid-range Vistara co-branded cards which include the Axis Bank Vistara Signature credit card, Club Vistara SBI Prime, and the recently-launched Club Vistara IDFC First credit card. Read on to check out a comparison between these cards, how their features stack up against each other, their fees and charges, and more.

Axis Bank Vistara Signature Credit Card

Out of the 3 co-branded cards launched by Air Vistara and Axis Bank, the Axis Bank Vistara Signature credit card is the mid-range offering and comes at a joining fee of Rs. 3000 plus taxes. With this card, you can enjoy plenty of travel related privileges that include complimentary airport lounge visits, Club Vistara Silver membership, complimentary air tickets, insurance perks, and more. Also, you can earn up to 4 CV points per Rs. 200 spent with the card that can be redeemed on the Vistara website. Other benefits include complimentary golf rounds, dining benefits, milestone benefits, etc.

The following are the rewards and benefits offered by the Axis Bank Vistara Signature credit card –

• Get a complimentary Premium Economy flight ticket voucher as a welcome benefit along with Club Vistara Silver tier membership.
• Get 4 CV Points per Rs. 200 spent with the card
• You can earn bonus 3000 CV Points and a maximum of 4 Premium Economy class tickets per year on reaching target spends of Rs. 75,000, Rs. 1.5 Lakhs, Rs. 3 Lakhs, Rs. 4.5 Lakhs, and Rs. 9 Lakhs
• Get 8 complimentary domestic lounge access, maximum 2 per quarter, at select airports across the country.
• Get an exclusive 25% discount, up to maximum Rs. 800 on your dining bills through the Axis Bank EazyDiner program, and other exciting offers with the Extraordinary Weekends program.
• Complimentary 3 golf rounds per year at some of the best golf courses across the country.
• Get travel-related insurance cover for loss of travel documents, loss of check-in baggage, and delay of check-in baggage.

Fees & Charges

The following are the fees and charges associated with the credit card –

• The card has a joining and annual fee of Rs. 3000 plus taxes
• The interest rate on the card is 3.6% per month or 52.86% per annum
• The card charges a forex markup fee of 3.5% of the transaction amount
• The card charges a cash advance fee of 2.5% of the amount, or minimum Rs. 500

Club Vistara SBI Card PRIME

Air Vistara and SBI partnered together to launch two co-branded cards, and the Club Vistara SBI Card Prime is the premium variant out of the two. This card comes at an annual fee of Rs. 3000 plus taxes, and you get a complimentary Premium Economy flight ticket voucher as a welcome benefit. On every Rs. 200 spent with the card, you earn 4 CV Points that can be redeemed for booking flights, class upgrades, seat reservation, etc. on Vistara flights. Other travel benefits include complimentary air tickets on reaching the spend milestones, complimentary airport lounge access, insurance benefits, and more.

The following are the rewards and benefits offered by the Club Vistara SBI Card Prime –

• Get a Premium Economy flight ticket voucher and Club Vistara Silver tier membership as a welcome benefit with the card
• Get 4 CV Points on every Rs. 200 spent with the card
• Get bonus 3000 CV Points and up to 4 Premium Economy flight tickets on annual spends of Rs. 75,000, Rs. 1.5 Lakhs, Rs. 3 Lakhs, Rs. 4.5 Lakhs, and Rs. 8 Lakhs
• Get 8 complimentary domestic lounge access per quarter, maximum 2 per quarter.
• Get 4 complimentary international lounge access, max 2 per quarter, with the Priority Pass membership
• Get a Yatra e-voucher worth Rs. 10,000 on spending Rs. 8 Lakhs or more in the year
• Get up to 33% off at resorts and hotels, up to 10% off on car rentals, and up to 50% off on destination programs in Korea, Japan, Macau, and Singapore
• Insurance benefits that include air accident cover, air ticket cancellation cover, loss or delay of check-in baggage, loss of travel documents, etc.

Fees and Charges

The following are the fees and charges associated with the card –

• The card charges a joining and annual fee of Rs. 3000 plus taxes
• The interest rate on the card is 3.5% per month or 42% per annum
• The forex markup fee on the card is 3.5% of the transaction amount
• The cash advance fee on the card is 2.5% of the amount, or minimum Rs. 500

Also Read: Axis Bank Vistara Signature Credit Card vs Club Vistara SBI Card Prime

Club Vistara IDFC First Credit Card

Air Vistara and IDFC First Bank have joined forces to launch the Club Vistara IDFC First credit card that will rival the co-branded cards by Axis Bank and SBI. This card has a joining and annual fee of Rs. 4999 plus taxes and has many Vistara exclusive privileges and benefits. As a welcome benefit, you get a Class Upgrade and a Premium Economy flight voucher, along with Club Vistara Silver tier membership. The reward rate on the card is higher as it offers up to 6 CV Points per Rs. 200 spent with the card. Travel perks include complimentary air tickets as milestone benefits, domestic and international lounge access, golf rounds, CFAR trip cancellation cover, and more.

The following are the rewards and benefits offered by the Club Vistara IDFC First Credit Card –

• As a welcome benefit, you get a Premium Economy flight ticket, class upgrade voucher, and Club Vistara Silver tier membership.
• Get a complimentary 3 months subscription to BQ Prime and EazyDiner Prime.
• Spend Rs. 30,000 or above in each of the first three months after card issuance, and earn up to 6000 bonus CV Points.
• Get up to 6 CV Points per Rs. 200 spent with the card and 10 CV Points on dining spends on your birthday.
• Get a maximum of 5 Premium Economy flight tickets on reaching annual milestone spends of Rs. 1.5 Lakhs, Rs. 3 Lakhs, Rs. 4.5 Lakhs, Rs. 9 Lakhs, and Rs. 12 Lakhs.
• Get 2 complimentary domestic and 1 complimentary international lounge access per quarter
• Get 4 complimentary golf rounds and 12 golf lessons per year
• Get exclusive 20% discount at more than 1500 restaurants, and up to 15% discount at more than 3000 health and wellness outlets
• Get Cancel For Any Reason (CFAR) trip cancellation cover through which you can receive refund up to Rs. 10,000 on cancelling your flight or hotel bookings, twice per year. Other insurance benefits include air accident cover, loss or delay of check-in baggage, loss of travel documents, etc.

Fees and Charges

• The following are the fees and charges associated with the card –
• The card charges a joining and annual fee of Rs. 5000 plus taxes
• The card has interest rate of 0.75% – 3.5% per month
• The forex markup fee on the card is 2.99% of the transaction amount
• You can make interest-free cash advances for 48 days, after which Rs. 199 is charged per cash advance transaction

Axis Bank Vistara Signature vs Club Vistara SBI Prime vs Club Vistara IDFC First Credit Card – Quick Comparison

The following table features a side-by-side comparison of these three Vistara co-branded credit cards –

Category	Axis Bank Vistara Signature Credit Card	Cub Vistara SBI Card PRIME	Club Vistara IDFC First Credit Card
Joining/Annual Fees	Rs. 3000 plus taxes	Rs. 3000 plus taxes	Rs. 4999 plus taxes
Welcome Benefits	Complimentary Premium Economy flight ticket Club Vistara Silver tier membership	Complimentary Premium Economy flight ticket Club Vistara Silver tier membership	Complimentary Premium Economy flight ticket Club Vistara Silver tier membership Bonus 6000 CV Points on spending Rs. 30,000 in each of the first three months after getting the card
Reward Rate	4 CV Points per Rs. 200 spent with the card	4 CV Points per Rs. 200 spent with the card	Up to 6 CV Points per Rs. 200 spent with the card up to Rs. 1 Lakh 4 CV Points on spends over Rs. 1 Lakh 1 CV Point on fuel, insurance, utilities, rent, and wallet reloads
Birthday Benefits	NA	NA	10 CV Points per Rs. 200 spent on dining spends on your Birthday
Domestic Lounge Access	2 domestic lounge access per quarter	8 domestic lounge access, max 2 per quarter	2 domestic lounge and spa access per quarter
International Lounge Access	NA	4 international lounge access, max 2 per quarter	1 international lounge access per quarter
Golf Benefits	3 complimentary golf sessions per year	NA	4 complimentary golf rounds per year 12 complimentary golf lessons per year
Movie & Dining Benefits	Up to 25% discount at partner restaurants with the EazyDiner program	NA	Complimentary 3-month subscription of EazyDiner Prime
Insurance Benefits	Purchase protection cover, cover for loss or delay of travel documents, baggage, etc.	Flight cancellation cover, air accident cover, cover for loss, delay of travel documents, check-in baggage, etc.	CFAR Trip Cancellation cover up to Rs. 10,000 on flight and hotel booking cancellations, twice per year Other benefits include air accident cover, loss or delay of check-in baggage, loss of travel documents, etc.
Forex Markup Fee	3.5% of the transaction amount	3.5% of the transaction amount	2.99% of the transaction amount

 

Conclusion

We just read about the privileges and benefits offered by Vistara co-branded cards by Axis Bank, SBI, and IDFC First Bank. The Axis Bank Vistara Signature and Club Vistara SBI Prime card are great for frequent Vistara flyers, and are packed with multiple travel perks for the cardholders. Both the cards charge an annual fee of Rs. 3000 plus taxes, and are certainly great choices.

However, we believe that the Club Vistara IDFC First credit card is a step above those two offerings. Even though, it has a high annual fee of Rs. 4999 plus taxes, it offers some exclusive features which you won’t get with the other cards. Apart from the complimentary flight ticket and CV membership, you can earn up to 6000 bonus CV Points upon card activation.

The reward rate is higher and you can earn up to 6 CV Points per Rs. 200 spent and get access to both domestic as well international lounges, and complimentary golf rounds. Including the milestone benefits, you can get a maximum of 6 Premium Economy flight tickets with the card, along with CFAR trip cancellation cover that reimburses up to Rs. 10,000 on flight/hotel bookings, twice per year. Even the forex markup fee of 2.99% is lower than both other cards.

Out of the three cards discussed above, we will recommend you to spend the extra money, and go for the Club Vistara IDFC First credit card. The other two cards are nice as well, but they don’t offer as much as this one.