IDFC FIRST Bank has launched a new co-branded credit card with Air Vistara called the IDFC First Vistara Credit Card. Let's explore its features and benefits and compare it with other Vistara co-branded cards such as the SBI Vistara Prime Card.
Charges:
Joining Fee: ₹4,999 + GST
Annual Fee: ₹4,999 + GST
Welcome Benefits:
Reward System: Earn 6 CV Points for every ₹200 spent until you reach ₹1 lakh in a month. After spending ₹1 lakh, you'll earn 4 CV Points for every ₹200 spent.
Earn 1 CV Point per ₹200 spent on fuel, insurance, utility bills, wallet loads, and rental expenses.
Earn 10 CV Points per ₹200 spent on dining expenses on your birthday.
#No CV Points are awarded for EMI transactions and cash withdrawals.
Get 2,000 bonus CV Points when you exceed a monthly spend of ₹30,000. This offer is applicable for the first 3 months from the card setup date. You can earn a total of 6,000 CV Points through this offer.
Spend Milestones:
Spend ₹1.5 lakh and receive 1 Premium Economy Ticket Voucher.
Spend ₹3 lakh and receive 1 Premium Economy Ticket Voucher.
Spend ₹4.5 lakh and receive 1 Premium Economy Ticket Voucher.
Spend ₹9 lakh and receive 1 Premium Economy Ticket Voucher.
Spend ₹12 lakh and receive 1 Premium Economy Ticket Voucher.
So, by spending ₹12 lakhs in a card anniversary year, you can obtain a total of 5 Premium Economy Ticket Vouchers.
SBI Vistara Prime Vs IDFC First Vistara Credit Card:
Now, let's compare it with the SBI Vistara Prime. I won't go into too much detail, but if you focus on the earning part, you'll find that you can earn 2 extra CV Points until you spend ₹1 lakh using the IDFC First Vistara Card. On the other hand, you'll earn only 1 CV point per Rs. 200 on utility, insurance, wallet, rent and fuel, But with the SBI Vistara Prime, you'll earn 4 CV Points per ₹200 spent on all categories, including utility bills, insurance, fuel, and wallet loads.
With the IDFC Vistara Card, you can earn 1 extra ticket voucher, but you have to spend more to achieve that. To earn 4 ticket vouchers, you need to spend ₹9 lakhs, and to earn one extra voucher, you have to spend ₹12 lakhs in total. In contrast, using the SBI Vistara Prime, you can earn 4 ticket vouchers simply by spending ₹8 lakhs, and you also receive a ₹10,000 Yatra hotel voucher.
In terms of annual fees, the IDFC First Vistara Card costs ₹4,999 + GST, while the SBI Vistara Prime card costs ₹2,999 + GST. The SBI Vistara Prime card is ₹2,000 + GST cheaper than the IDFC First Vistara Card.
So, I believe it is evident which card you should opt for. The SBI Vistara Prime has been and continues to be the best mid-range Vistara card for now.
Charges:
Joining Fee: ₹4,999 + GST
Annual Fee: ₹4,999 + GST
Welcome Benefits:
- Silver tier Club Vistara Membership.
- Receive 1 complimentary Premium Economy Ticket Voucher.
- Get 1 One Class Upgrade Voucher.
- Enjoy 3 months of complimentary EazyDiner Prime membership and BQ Prime subscription.
- Get 2 complimentary visits to domestic airport lounges, 1 spa visit, and 1 international lounge visit per quarter. To avail of these facilities, you must spend ₹5,000 monthly.
- Enjoy 12 complimentary golf lessons and 4 complimentary rounds of golf every year.
Reward System: Earn 6 CV Points for every ₹200 spent until you reach ₹1 lakh in a month. After spending ₹1 lakh, you'll earn 4 CV Points for every ₹200 spent.
Earn 1 CV Point per ₹200 spent on fuel, insurance, utility bills, wallet loads, and rental expenses.
Earn 10 CV Points per ₹200 spent on dining expenses on your birthday.
#No CV Points are awarded for EMI transactions and cash withdrawals.
Get 2,000 bonus CV Points when you exceed a monthly spend of ₹30,000. This offer is applicable for the first 3 months from the card setup date. You can earn a total of 6,000 CV Points through this offer.
Spend Milestones:
Spend ₹1.5 lakh and receive 1 Premium Economy Ticket Voucher.
Spend ₹3 lakh and receive 1 Premium Economy Ticket Voucher.
Spend ₹4.5 lakh and receive 1 Premium Economy Ticket Voucher.
Spend ₹9 lakh and receive 1 Premium Economy Ticket Voucher.
Spend ₹12 lakh and receive 1 Premium Economy Ticket Voucher.
So, by spending ₹12 lakhs in a card anniversary year, you can obtain a total of 5 Premium Economy Ticket Vouchers.
SBI Vistara Prime Vs IDFC First Vistara Credit Card:
Now, let's compare it with the SBI Vistara Prime. I won't go into too much detail, but if you focus on the earning part, you'll find that you can earn 2 extra CV Points until you spend ₹1 lakh using the IDFC First Vistara Card. On the other hand, you'll earn only 1 CV point per Rs. 200 on utility, insurance, wallet, rent and fuel, But with the SBI Vistara Prime, you'll earn 4 CV Points per ₹200 spent on all categories, including utility bills, insurance, fuel, and wallet loads.
With the IDFC Vistara Card, you can earn 1 extra ticket voucher, but you have to spend more to achieve that. To earn 4 ticket vouchers, you need to spend ₹9 lakhs, and to earn one extra voucher, you have to spend ₹12 lakhs in total. In contrast, using the SBI Vistara Prime, you can earn 4 ticket vouchers simply by spending ₹8 lakhs, and you also receive a ₹10,000 Yatra hotel voucher.
In terms of annual fees, the IDFC First Vistara Card costs ₹4,999 + GST, while the SBI Vistara Prime card costs ₹2,999 + GST. The SBI Vistara Prime card is ₹2,000 + GST cheaper than the IDFC First Vistara Card.
So, I believe it is evident which card you should opt for. The SBI Vistara Prime has been and continues to be the best mid-range Vistara card for now.
Last edited by a moderator:
.
