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

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

Vistara stands out as one of the premier airlines in India, and its exclusive loyalty program, Club Vistara, stands testament to its excellence by providing a plethora of advantages to its members. Collaborating with leading card issuers in the nation, Club Vistara extends its reach by introducing co-branded travel cards catering to both mid-range and premium segments. Originally, Vistara collaborated with Axis Bank and SBI to launch its services. Now, it has broadened its range by introducing a fresh co-branded travel card in collaboration with IDFC First Bank.

The custom-designed Vistara co-branded travel cards offer an array of exclusive advantages, specifically designed for Vistara flights. With these cards, users can access complimentary flight tickets, unique Club Vistara memberships, vouchers for upgrades, and a host of other benefits. Accumulated reward points seamlessly convert into Club Vistara points, which can be utilized on the website for booking Vistara flights and unlocking extra privileges. These cards encompass all the essentials for a serene and luxurious travel experience, ensuring a seamless and enjoyable journey.

Features and Benefits of Axis Bank Vistara Signature, Club Vistara SBI Prime and Club Vistara IDFC First Credit Card

Axis Bank Vistara Signature:

Benefits:

  1. Joining fee of Rs. 3000 plus taxes.
  2. Travel privileges include complimentary airport lounge visits, Club Vistara Silver membership, complimentary air tickets, and insurance perks.
  3. Get up to 4 CV points for every Rs. 200 you spend, which you can later redeem on the Vistara website.
  4. Additional benefits: complimentary golf rounds, dining perks, milestone benefits, etc.

Rewards and Benefits:

  1. Enjoy the perks of our welcome package, which includes a voucher for a Premium Economy flight ticket and a membership to Club Vistara’s Silver tier.
  2. Earn 4 CV Points per Rs. 200 spent.
  3. Earn 3000 bonus CV Points and enjoy up to 4 Premium Economy tickets every year when you achieve spending milestones.
  4. 8 complimentary domestic lounge access (2 per quarter).
  5. 25% discount on dining bills, golf rounds, and travel-related insurance cover.

Club Vistara SBI Prime:

  1. Annual fee of Rs. 3000 plus taxes.
  2. Premium variant with a Premium Economy flight ticket voucher and Club Vistara Silver tier membership as a welcome benefit.
  3. Earn 4 CV Points per Rs. 200 spent, bonus CV Points, and Premium Economy tickets on annual spends.
  4. Complimentary domestic and international lounge access, Yatra e-voucher, and discounts on resorts, hotels, and car rentals.
  5. Insurance benefits included.

Club Vistara IDFC First Credit Card:

  1. Joining and annual fee of Rs. 4999 plus taxes.
  2. Higher reward rate with up to 6 CV Points per Rs. 200 spent.
  3. Welcome benefit includes a Premium Economy flight ticket, class upgrade voucher, and Club Vistara Silver tier membership.
  4. Additional perks: complimentary subscriptions, bonus CV Points, lounge access, golf rounds, and discounts at restaurants and wellness outlets.
  5. Comprehensive insurance benefits, including CFAR trip cancellation cover.

Fee and Charges of Axis Bank Vistara Signature, Club Vistara SBI Prime and Club Vistara IDFC First Credit Card

Axis Bank Vistara Signature:

  1. Joining and annual fee: Rs. 3000 plus taxes.
  2. Interest rate: 3.6% per month or 52.86% per annum.
  3. Forex markup fee: 3.5%.
  4. Cash advance fee: 2.5% or minimum Rs. 500.

Club Vistara SBI Prime:

  1. Joining and annual fee: Rs. 3000 plus taxes.
  2. Interest rate: 3.5% per month or 42% per annum.
  3. Forex markup fee: 3.5%.
  4. Cash advance fee: 2.5% or minimum Rs. 500.

Club Vistara IDFC First Credit Card:

  1. Joining and annual fee: Rs. 5000 plus taxes.
  2. Interest rate: 0.75% – 3.5% per month.
  3. Forex markup fee: 2.99%.
  4. Interest-free cash advances for 48 days, Rs. 199 charged thereafter per transaction.

Comparison between Axis Bank Vistara Signature, Club Vistara SBI Prime and Club Vistara IDFC First Credit Card

Axis Bank Vistara Signature:

  • Joining/Annual Fees: Rs. 3000 plus taxes
  • Welcome Benefits: Complimentary Premium Economy flight ticket, Club Vistara Silver tier membership
  • Reward Rate: 4 CV Points per Rs. 200 spent with the card
  • Birthday Benefits: NA
  • You’ll receive two passes for domestic lounge access every three months.
  • International Lounge Access: NA
  • Enjoy the perks of golf with three free sessions annually!
  • Movie & Dining Benefits: Up to 25% discount at partner restaurants with the EazyDiner program
  • Insurance benefits encompass various protections such as purchase protection, coverage for lost or delayed travel documents, baggage, and more.
  • Forex Markup Fee: 3.5% of the transaction amount

Club Vistara SBI Prime:

  • Joining/Annual Fees: Rs. 3000 plus taxes
  • Welcome Benefits: Complimentary Premium Economy flight ticket, Club Vistara Silver tier membership
  • Reward Rate: 4 CV Points per Rs. 200 spent with the card
  • Birthday Benefits: NA
  • Access to domestic lounges includes a total of 8 visits, with a maximum of 2 visits allowed per quarter.
  • Golf Benefits: NA
  • Movie & Dining Benefits: NA
  • Insurance Benefits: Flight cancellation cover, air accident cover, cover for loss, delay of travel documents, check-in baggage, etc.
  • Forex Markup Fee: 3.5% of the transaction amount

Club Vistara IDFC First Credit Card:

  • Joining/Annual Fees: Rs. 4999 plus taxes
  • Experience the perks of our Welcome Benefits: Enjoy a complimentary Premium Economy flight ticket, gain access to Club Vistara’s Silver tier membership, and receive a bonus of 6000 CV Points when you spend Rs. 30,000 in each of the initial three months following card activation.
  • Get rewarded with up to 6 CV Points per Rs. 200 spent when using the card, with a maximum cap of Rs. 1 Lakh. Once you exceed this spending threshold, continue to earn 4 CV Points for every Rs. 200 spent. Additionally, receive 1 CV Point for expenditures on fuel, insurance, utilities, rent payments, and wallet reloads.
  • Birthday Benefits: On your birthday, you earn 10 CV Points for every Rs. 200 you spend on dining, without repeating the same information.
  • Domestic Lounge Access: You’ll have access to two lounge and spa visits per quarter for domestic use.
  • Access to international lounges is granted once every quarter.
  • Golf Benefits: 4 complimentary golf rounds per year, 12 complimentary golf lessons per year
  • Movie & Dining Benefits: Complimentary 3-month subscription of EazyDiner Prime
  • Insurance Benefits: The CFAR Trip Cancellation insurance provides coverage of up to Rs. 10,000 for cancellations of flight and hotel bookings, available twice annually. Additional benefits comprise protection against air accidents, compensation for loss or delay of check-in baggage, and coverage for the loss of travel documents, among others.
  • Forex Markup Fee: 2.99% of the transaction amount

Which credit card suits you best?

  • Vistara Co-branded Cards Overview:
    • Vistara co-branded cards are offered by Axis Bank, SBI, and IDFC First Bank.
    • Recently, I delved into the advantages and perks linked with these specific cards.
  • Axis Bank Vistara Signature and Club Vistara SBI Prime:
    • Ideal for frequent Vistara flyers.
    • Packed with numerous travel perks for cardholders.
    • Both cards have an annual fee of Rs. 3000 plus taxes.
  • Club Vistara IDFC First Credit Card:
    • Stands out as a superior option.
    • Despite a higher annual fee of Rs. 4999 plus taxes, it offers exclusive features.
    • Exclusive features include a complimentary flight ticket, CV membership, and 6000 bonus CV Points upon card activation.
  • Enhanced Reward Rate and Additional Benefits:
    • Earn a generous reward rate of 6 CV Points for every Rs. 200 you spend, maximizing your benefits with each purchase.
    • Access to both domestic and international lounges, complimentary golf rounds.
    • Milestone perks offer the opportunity to claim up to six Premium Economy flight tickets.
    • CFAR trip cancellation cover reimburses up to Rs. 10,000 on flight/hotel bookings twice per year.
  • Comparative Advantage:
    • Lower forex markup fee of 2.99% compared to other cards.
    • When comparing the features of Axis Bank and SBI cards to the IDFC First card, it’s evident that the IDFC First card distinguishes itself with its wide range of benefits and services.
  • Recommendation:
    • Consider investing in the Club Vistara IDFC First credit card, which may require a slightly higher expenditure but offers significant benefits.
    • While many cards offer satisfactory perks, the IDFC First card stands out for its exceptional advantages and distinctive features.

Frequently Asked Questions (FAQs)

1. What are the key features that differentiate Axis Bank Vistara Signature and Club Vistara SBI Prime from Club Vistara IDFC First Credit Card?

Axis Bank Vistara Signature and Club Vistara SBI Prime focus on providing travel perks, whereas Club Vistara IDFC First Credit Card offers exclusive features, a higher reward rate, and additional benefits.

2. What are the differences in annual fees among these three credit cards?

Axis Bank Vistara Signature and Club Vistara SBI Prime both charge an annual fee of Rs. 3000 plus taxes, while Club Vistara IDFC First Credit Card has a higher annual fee of Rs. 4999 plus taxes.

3. What exclusive features does Club Vistara IDFC First Credit Card offer that make it stand out?

The Club Vistara IDFC First Credit Card provides a range of exclusive benefits to its users. Upon activation, cardholders receive a complimentary flight ticket, along with CV membership and a bonus of 6000 CV Points. Notably, the card offers a superior reward rate, access to airport lounges, complimentary rounds of golf, and additional milestone benefits.

4. Could you provide more details about the rates of rewards and the perks linked to using these credit cards?

Axis Bank Vistara Signature and Club Vistara SBI Prime cater to frequent Vistara flyers by offering travel benefits. On the other hand, Club Vistara IDFC First Credit Card boasts a superior reward rate, granting up to 6 CV Points for every Rs. 200 spent. Additionally, it provides perks like lounge access, golf rounds, and milestone benefits.

5. What is the foreign exchange markup fee for each credit card?

Club Vistara IDFC First Credit Card has a lower forex markup fee of 2.99% compared to the other two cards.

6. Are there any specific benefits related to flight tickets and trip cancellations?

The Club Vistara IDFC First Credit Card presents notable perks such as a potential of 6 Premium Economy flight tickets. Additionally, it includes CFAR (Cancel for Any Reason) trip cancellation coverage, offering reimbursement of up to Rs. 10,000 for flight or hotel bookings twice annually.

7. How do these credit cards specifically address the requirements of regular Vistara airline travelers?

The Axis Bank Vistara Signature and Club Vistara SBI Prime cards cater to frequent Vistara flyers, offering travel perks. In comparison, the Club Vistara IDFC First Credit Card stands out with its exclusive features, elevated rewards, and extra travel advantages, taking the experience a notch higher for cardholders.

8. What is the recommendation based on the comparison of these credit cards?

It’s suggested to go for the Club Vistara IDFC First Credit Card due to its exceptional features and advantages. Although the other two cards are decent choices, the IDFC First card provides a more extensive array of benefits and features.

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