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IndiGo IDFC FIRST Dual Credit Card vs Club Vistara IDFC FIRST

Verified 11 sources

Your monthly spend

Club Vistara IDFC FIRST beats IndiGo IDFC FIRST Dual Credit Card by ₹1,100 a year at ₹30,000 a month: ₹5,800 against ₹4,700, after fees

Club Vistara IDFC FIRST beats IndiGo IDFC FIRST Dual Credit Card by ₹5,300 a year at ₹75,000 a month: ₹22,000 against ₹16,700, after fees

Club Vistara IDFC FIRST beats IndiGo IDFC FIRST Dual Credit Card by ₹9,600 a year at ₹1.5 lakh a month: ₹43,000 against ₹33,400, after fees

Club Vistara IDFC FIRST beats IndiGo IDFC FIRST Dual Credit Card by ₹22,200 a year at ₹3 lakh a month: ₹79,000 against ₹56,800, after fees

Club Vistara IDFC FIRST beats IndiGo IDFC FIRST Dual Credit Card by ₹39,000 a year at ₹5 lakh a month: ₹1,27,000 against ₹88,000, after fees

IndiGo IDFC FIRST Dual Credit Card

IDFC FIRST Bank

IndiGo IDFC FIRST Dual Credit Card

Our verdict: Keep

IDFC FIRST Bank

Club Vistara IDFC FIRST

Our verdict: Cancel Closed

Club Vistara IDFC FIRST vs IndiGo IDFC FIRST Dual Credit Card: which should you pick?

Both are IDFC FIRST Bank cards: IndiGo IDFC FIRST Dual Credit Card costs ₹4,999/yr, Club Vistara IDFC FIRST ₹4,999/yr. At every spend from ₹25,000 to ₹5 lakh a month, Club Vistara IDFC FIRST beats IndiGo IDFC FIRST Dual Credit Card, and its lead widens from ₹100 to ₹39,000 a year as spend climbs. At ₹75,000 a month the gap is mostly what each card earns on your spend: Club Vistara IDFC FIRST returns ₹27,000 a year in rewards to IndiGo IDFC FIRST Dual Credit Card's ₹11,700, even though IndiGo IDFC FIRST Dual Credit Card pays bigger milestone bonuses. On the rows below, IndiGo IDFC FIRST Dual Credit Card has no clear edge over Club Vistara IDFC FIRST. One catch: Club Vistara IDFC FIRST is closed to new applicants, so if you are applying today, IndiGo IDFC FIRST Dual Credit Card is the card you can actually get.

IndiGo IDFC FIRST Dual Credit Card pays 5 annual spend milestones, the first at ₹2,00,000 a year, and Club Vistara IDFC FIRST pays none; IndiGo IDFC FIRST Dual Credit Card pays a renewal bonus whatever you spend, and Club Vistara IDFC FIRST pays nothing to stay.

IndiGo IDFC FIRST Dual Credit Card review Club Vistara IDFC FIRST review

Side by side

IndiGo IDFC FIRST Dual Credit Card and Club Vistara IDFC FIRST, fact by fact
FactIndiGo IDFC FIRST Dual Credit CardClub Vistara IDFC FIRST
Can you get itOpen to apply✓ BetterClosed to new applicants
Fee (joining · annual, + GST)₹4,999/yr₹4,999/yr
Fee waiverNoneNone
Reward rate on everyday spend1.5%3.0%✓ Better
PointsIndiGo BluChipAir India Maharaja Points
Our value per point₹0.50₹1.00 †
Transfer partnersNoneNone
Lounges it gets you into0 of 79262 of 792✓ Better
Forex markupNilNil
Welcome benefit5,000 IndiGo BluChips + an IndiGo meal voucher on joining-fee payment — and the same pair again on every renewal fee (IDFC's own heading is "Welcome and Renewal Bonus"); the FD-backed variant skips the year-one grant because it pays no joining fee, but picks it up from its first ₹4,999 annual fee. Plus a ₹3,000 Postcard Hotels stay voucher and 3 months of EazyDiner Prime on both variants; +3,000 BluChips on ₹1L spend within 90 days1 Premium Economy ticket voucher, 1 one-class upgrade voucher, Maharaja Club Silver membership and 3 months of EazyDiner Prime on the joining fee — and the ticket voucher, the upgrade voucher and the Silver renewal again on every annual fee. Plus up to 6,000 bonus Maharaja Points (2,000 per ₹30,000 cycle) across billing cycles 2, 3 and 4, first year only

✓ Better marks the side that wins a row; rows that compare unlike things are not scored. Club Vistara IDFC FIRST is ahead on 8 of the 9 rows we can call.

More facts 6 rows
Rank, verdict, lounge visits and fine print
FactIndiGo IDFC FIRST Dual Credit CardClub Vistara IDFC FIRST
Our rank#28Not ranked (closed)
Our verdictKeepCancel
Lounge visits in IndiaNone — no complimentary lounge access8/year (2 per calendar quarter)
Lounge visits abroadNone4/year (1 per calendar quarter)
Forex, in the bank’s wordsNil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions (was 1.49% on this card, the cheapest non-zero markup IDFC had); the card page's FAQ answers "0% forex markup"Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions
Interest (APR)Dynamic 0.71%–3.85%/mo (8.5%–46.2%/yr); overdue rate 3.99%/mo (47.88%/yr) on MAD non-payment0.71%–3.85%/mo (8.5%–46.2%/yr), set on internal policy parameters; overdue rate 3.99%/mo (47.88%/yr)

† Club Vistara IDFC FIRST: Maharaja Points at the house ₹1.00. IDFC prints the earn per ₹200, not per ₹100: "6 Maharaja points on spends up to Rs. 1,00,000 in a billing cycle and 4 Maharaja points for all spends above Rs. 1,00,000 … Earn of Maharaja point will be calculated per Rs. 200." That is 3 points per ₹100 on the first ₹1 lakh of a cycle and 2 above it — 3% and 2% at ₹1.00.

Neither issuer publishes an income floor for these two. IndiGo IDFC FIRST Dual Credit Card is open to a direct application; Club Vistara IDFC FIRST is closed to new applications, and only grandfathered holders still have it. How people actually get Club Vistara IDFC FIRST is on its card page.

Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.

What each is worth to you

A year of rewards and bonuses, after the fee
Monthly spendIndiGo IDFC FIRST Dual Credit CardClub Vistara IDFC FIRST
At ₹30,000 a month₹4,700₹5,800✓ Better
At ₹75,000 a month₹16,700₹22,000✓ Better
At ₹1.5 lakh a month₹33,400₹43,000✓ Better
At ₹3 lakh a month₹56,800₹79,000✓ Better
At ₹5 lakh a month₹88,000₹1,27,000✓ Better
Pays for itself from₹17,000 a month₹14,000 a month✓ Better

On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.

Every spend from ₹25,000 to ₹5 lakh 20 steps
IndiGo IDFC FIRST Dual Credit Card and Club Vistara IDFC FIRST at each ₹25,000 step
Monthly spendIndiGo IDFC FIRST Dual Credit CardClub Vistara IDFC FIRSTAhead
₹25,000₹3,900₹4,000✓ BetterClub Vistara IDFC FIRST by ₹100
₹50,000₹10,300₹13,000✓ BetterClub Vistara IDFC FIRST by ₹2,700
₹75,000₹16,700₹22,000✓ BetterClub Vistara IDFC FIRST by ₹5,300
₹1 lakh₹25,600₹31,000✓ BetterClub Vistara IDFC FIRST by ₹5,400
₹1.25 lakh₹29,500₹37,000✓ BetterClub Vistara IDFC FIRST by ₹7,500
₹1.5 lakh₹33,400₹43,000✓ BetterClub Vistara IDFC FIRST by ₹9,600
₹1.75 lakh₹37,300₹49,000✓ BetterClub Vistara IDFC FIRST by ₹11,700
₹2 lakh₹41,200₹55,000✓ BetterClub Vistara IDFC FIRST by ₹13,800
₹2.25 lakh₹45,100₹61,000✓ BetterClub Vistara IDFC FIRST by ₹15,900
₹2.5 lakh₹49,000₹67,000✓ BetterClub Vistara IDFC FIRST by ₹18,000
₹2.75 lakh₹52,900₹73,000✓ BetterClub Vistara IDFC FIRST by ₹20,100
₹3 lakh₹56,800₹79,000✓ BetterClub Vistara IDFC FIRST by ₹22,200
₹3.25 lakh₹60,700₹85,000✓ BetterClub Vistara IDFC FIRST by ₹24,300
₹3.5 lakh₹64,600₹91,000✓ BetterClub Vistara IDFC FIRST by ₹26,400
₹3.75 lakh₹68,500₹97,000✓ BetterClub Vistara IDFC FIRST by ₹28,500
₹4 lakh₹72,400₹1,03,000✓ BetterClub Vistara IDFC FIRST by ₹30,600
₹4.25 lakh₹76,300₹1,09,000✓ BetterClub Vistara IDFC FIRST by ₹32,700
₹4.5 lakh₹80,200₹1,15,000✓ BetterClub Vistara IDFC FIRST by ₹34,800
₹4.75 lakh₹84,100₹1,21,000✓ BetterClub Vistara IDFC FIRST by ₹36,900
₹5 lakh₹88,000₹1,27,000✓ BetterClub Vistara IDFC FIRST by ₹39,000
How we work out the yearly value

We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.

Before you choose

Transfer partners 0 and 0

IndiGo IDFC FIRST Dual Credit Card's IndiGo BluChip cannot be moved to any airline or hotel; Club Vistara IDFC FIRST's Air India Maharaja Points cannot be moved to any.

Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.

Watch out 6 points

IndiGo IDFC FIRST Dual Credit Card

  • ₹4,999 fee, no spend waiver — only the secured FD variant waives the first year (IDFC's own page says a ₹50k FD in one place and a ₹1L FD in its FAQ)
  • International purchases earn 1 BluChip per ₹100 (0.5%) since 26 October 2026, down from the general 3 — IDFC's own card page carries the date
  • No lounge access at all — a glaring gap at this fee

5 more on its page

Club Vistara IDFC FIRST

  • Programme ended 30 September 2026. Since 1 October the card takes no transactions — online, international, cash or standing instructions
  • A clear account closed on 1 October 2026. A balance or a running EMI stays open only until it is paid, then closes
  • Add-on cards and the FIRST Digital card on this account stopped working on 1 October 2026

10 more on its page

Common questions 5 answered

Which is better, IndiGo IDFC FIRST Dual Credit Card or Club Vistara IDFC FIRST?

Both are IDFC FIRST Bank cards: IndiGo IDFC FIRST Dual Credit Card costs ₹4,999/yr, Club Vistara IDFC FIRST ₹4,999/yr. At every spend from ₹25,000 to ₹5 lakh a month, Club Vistara IDFC FIRST beats IndiGo IDFC FIRST Dual Credit Card, and its lead widens from ₹100 to ₹39,000 a year as spend climbs. At ₹75,000 a month the gap is mostly what each card earns on your spend: Club Vistara IDFC FIRST returns ₹27,000 a year in rewards to IndiGo IDFC FIRST Dual Credit Card's ₹11,700, even though IndiGo IDFC FIRST Dual Credit Card pays bigger milestone bonuses. On the rows below, IndiGo IDFC FIRST Dual Credit Card has no clear edge over Club Vistara IDFC FIRST. One catch: Club Vistara IDFC FIRST is closed to new applicants, so if you are applying today, IndiGo IDFC FIRST Dual Credit Card is the card you can actually get.

IndiGo IDFC FIRST Dual Credit Card or Club Vistara IDFC FIRST: which is worth more at ₹3 lakh a month?

Club Vistara IDFC FIRST beats IndiGo IDFC FIRST Dual Credit Card by ₹22,200 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.

Which costs less to get, IndiGo IDFC FIRST Dual Credit Card or Club Vistara IDFC FIRST?

They cost the same: ₹4,999/yr. IndiGo IDFC FIRST Dual Credit Card has no fee waiver; Club Vistara IDFC FIRST has no fee waiver.

Which gets you into more airport lounges, IndiGo IDFC FIRST Dual Credit Card or Club Vistara IDFC FIRST?

Club Vistara IDFC FIRST: 62 of the 792 lounges we track, against 0 for IndiGo IDFC FIRST Dual Credit Card. Visit limits and guest charges differ by card; each card's page lists them.

How current is this comparison?

IndiGo IDFC FIRST Dual Credit Card was last checked against its bank's own documents on 26 Oct 2026, Club Vistara IDFC FIRST on 11 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.

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Sources

IndiGo IDFC FIRST Dual Credit Card was last checked against its bank's own documents on 26 Oct 2026, Club Vistara IDFC FIRST on 11 Oct 2026. Every fact above comes from these 11 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.

The documents 11 sources
  1. Official IDFC cardholder notice, 13 September 2026 — withdraws the 9 September cut: reward points continue on international transactions "as applicable for the respective cards" read
  2. Official Product page + FAQs (joining ₹4,999 + GST, annual ₹4,999 from year 2; FD-backed variant free in year 1; earn; 0% forex; international earn 1 BluChip/₹100 since 26 Oct 2026) read
  3. Official Privileges T&C PDF (trip cancellation — "Eligible Cover – ₹25,000 for Flight & Hotel booking", fungible between the two) read
  4. Official Bank-wide MITC (IndiGo IDFC FIRST joining ₹4,999 / annual ₹4,999 / add-on ₹499; forex NIL bank-wide since the 9 Sep 2026 re-save — it was 1.49% on this card before) read
  5. Official IndiGo — IDFC FIRST co-brand loyalty partner page read
  6. Official Additional 5,000-BluChip welcome voucher T&C — the Jun–Sep 2026 window (₹15,000 in 30 days; vouchers land 10–15 Nov 2026 for September cards), now closed read
  7. Community CardInsider — ₹4,999 fee, up to 22/3/0.5 earn, 5-step milestone ladder, 1.49% forex, dual Mastercard+RuPay, ₹25k cancel cover, no lounge read
  8. Community LiveFromALounge — IndiGo IDFC FIRST 6/₹100 on IndiGo, 3/₹100 general, welcome vouchers read
  9. Official Cardmember notice — the programme ends 30 September 2026 and the card takes no transactions from 1 October read
  10. Official Product page — closed to new applications; programme ends 30 September 2026; 6 Maharaja Points per ₹200 up to ₹1 lakh a cycle read
  11. Official IDFC's May-2026 cardmember notice — from 18 June 2026 Maharaja Points stop at the credit limit for the cycle, and redemption is Maharaja Club only read

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