Base reward rate: 2 Club Vistara Points per ₹100 spent
Redemption options: value
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 2999
Annual fee: 2999
Pros
Strong welcome bonus providing a complimentary flight ticket and a Club Vistara Silver membership, offering immediate value greater than the ₹2,999 joining fee.
Excellent milestone benefits structure with four one-way upgrade vouchers awarded at achievable spend thresholds of ₹1L, ₹3L, ₹4L, and ₹8L.
Comprehensive travel insurance package, highlighted by a rare benefit of up to 6 flight cancellation coverages per year, each limited to ₹3,500.
Good lounge access program including 8 domestic visits annually (2 per quarter) and 4 international visits annually (2 per quarter) via Priority Pass.
The annual fee of ₹2,999 is waived on a relatively achievable annual spend of ₹3,00,000, making the card potentially free for moderate spenders.
Complimentary lounge access with no minimum spend requirement
Cons
The card lacks any accelerated reward categories, offering a flat rate of 4 CV Points per ₹200 on all spends, which is less competitive than cards offering bonus rewards on travel or dining.
Carries a high foreign exchange markup fee of 3.50%, which is a significant drawback for international usage as many competing travel cards offer lower rates.
Reward points are locked into the Vistara ecosystem for flights and upgrades, offering no flexibility to transfer to other airlines or hotel programs.
The fuel surcharge waiver is capped at a maximum of ₹250 per billing cycle, which is lower than what some other cards in this segment offer.
Best Use Case
Frequent Vistara flyers seeking travel benefits and accelerated rewards on Vistara spends.