What You Get
Key Benefits & Features
Everything the IndusInd Bank Club Vistara Credit Card offers — broken down clearly so you can decide if it fits your lifestyle and spending habits.
1 complimentary Vistara / Air India Economy class ticket on joining — credited after first transaction within 60 days. Base fare waived; taxes payable. Typical value ₹3,000–₹10,000.
Earn 6 Club Vistara Points (now Air India Flying Returns) for every ₹150 spent across all categories. Points accumulate fast with everyday spending.
Earn upgrade vouchers on milestone annual spend thresholds — move from Economy to Premium Economy or Business class on Air India flights, subject to availability.
2 complimentary domestic airport lounge visits per quarter (8 per year) — practical for the domestic business traveller who flies Air India.
Earn additional CV Points and upgrade vouchers at ₹1.5L, ₹3L and ₹4.5L annual spend milestones — up to 9,000 bonus points per year.
1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 at all petrol pumps in India.
Flight delay, baggage loss and trip cancellation cover — practical protection for domestic travellers.
Annual fee of ₹2,500 + GST waived on annual spend of ₹3 lakh — roughly ₹25,000 per month. Achievable for most working professionals.
All Costs
Fees & Charges
Complete fee breakdown. GST applicable on all fees. No hidden charges.
| Fee Type | Amount | Notes | Joining Fee | ₹2,500 + GST | Free economy ticket on joining |
|---|---|---|
| Annual Fee | ₹2,500 + GST | Waived on ₹3L annual spend |
| Add-on Card | ₹1,000 + GST | Per add-on cardholder |
| Finance Charge | 3.83%/month | 45.96% p.a. on revolving balance |
| Cash Advance | 2.5% (min ₹300) | No CV Points on advances |
| Late Payment | ₹100–₹1,200 | Based on outstanding balance |
| Foreign Currency | 3.5% + GST | High for international spend |
| Fuel Surcharge | 1% waiver | On ₹400–₹5,000 at all pumps |
Our Take
SearchLocally Verdict
Pros
- ✓Free economy ticket on joining (₹3K–₹10K value)
- ✓Cabin upgrade vouchers on milestones
- ✓8 domestic lounge visits/year
- ✓CV Points now transfer to Air India Flying Returns
- ✓Fee waived at ₹3L — very achievable
Cons
- ✗Only useful for Air India / Vistara flyers
- ✗CV Points earn rate is moderate
- ✗3.5% forex markup
- ✗No international lounge access
- ✗Merger changes ongoing — verify terms
Help & Clarity
Frequently Asked Questions
Honest answers to the most common questions about this card.
What happened to Club Vistara Points after the Air India merger?
Following the Vistara-Air India merger in late 2024, Club Vistara Points have been converted to Air India Flying Returns points. Points earned on the IndusInd Club Vistara card are now credited to your Flying Returns account and redeemable for Air India flights, upgrades and partner rewards.
How does the complimentary ticket work on IndusInd Club Vistara?
A complimentary Economy class ticket on Air India / Vistara is credited after your first transaction within 60 days of card issuance. The base fare is waived — you pay applicable taxes (typically ₹500–₹2,500 depending on route). Net value after taxes is typically ₹2,500–₹8,000.
How are upgrade vouchers earned on this card?
Upgrade vouchers are earned at annual spend milestones — typically at ₹1.5L and ₹3L. They allow you to upgrade from Economy to Premium Economy or Premium Economy to Business on eligible Air India routes, subject to seat availability, through the Air India Flying Returns portal.
IndusInd Club Vistara vs Axis Vistara card — which is better?
Both are strong Vistara/Air India cards. Axis Vistara earns at 4 CV Points per ₹200 (₹1.50 per point equivalent) at ₹1,500 fee. IndusInd earns 6 CV Points per ₹150 at ₹2,500 fee — slightly better earn rate but higher fee. Axis Vistara is better for lower spenders; IndusInd Vistara is better for higher spenders who can use the upgrade vouchers more.
What is the annual fee waiver threshold?
The annual fee of ₹2,500 + GST is waived on annual spend of ₹3 lakh or more — roughly ₹25,000 per month. Most working professionals using this as their primary card should easily qualify.