Joining Fee

₹40,000

Annual Fee

Rs. 10000 + Taxes

Forex Markup

1.8% + GST

INTERNATIONAL

Late Payment Charges

0% of the outstanding amount · Minimum ₹0

IndusInd Bank

Travel

Rewards

Lifestyle

Best For: Frequent Vistara / Air India flyers, International travelers, High spenders seeking business class upgrades, Luxury lifestyle seekers

Club Vistara Explorer Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Pros

Low 1.8% foreign currency markup on international spends
Up to 8 CV Points per INR 200 on Vistara spends
Up to 5 complimentary Business Class ticket vouchers per year on milestone spends
No late payment fee and no over-limit fee
No cash withdrawal charges
Priority Pass with 4 complimentary international lounge visits per quarter
Complimentary Club Vistara Gold membership in first year
Comprehensive travel insurance coverage
24x7 concierge service

Cons

Very high joining fee of Rs 40,000
Annual fee of Rs 10,000
Vistara merging with Air India — program being revised
Domestic lounge access limited to 1 visit per quarter
Guest lounge visits and India lounge visits via Priority Pass are chargeable
Auto Assist only available in 6 cities

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Complimentary Club Vistara Gold membership only for first year

Business Class ticket voucher only waives base fare on domestic Vistara network one-way ticket

Priority Pass usage charges of USD 27 per visit waived only up to 4 visits per quarter outside India; India lounges not waived

CV Points earned only for spends up to assigned credit limit in every statement cycle

Vistara program being revised due to merger with Air India; benefits applicable only till 31st March 2025

Key Benefits & Features

Complimentary Club Vistara Gold membership (first year): priority check-in, boarding, additional baggage allowance, priority baggage handling

Welcome benefit: Complimentary Business Class ticket voucher + Gift Vouchers worth INR 25,000 on payment of joining fee

No cash advancement/withdrawal charges

No late payment fee and no over-limit fee

Auto Assist: Roadside repair, emergency fuel (up to 5L), flat tyre, lost keys, battery service, emergency towing, accident management in 6 major cities

Priority Pass Programme: Access to 600+ lounges worldwide; complimentary membership for primary cardholder

Notable Exclusions

Reduced reward rate of 1 CV Point per INR 200 on Utility, Insurance, Government Payment, and Fuel spends

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

These details are based on information updated on 7 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

About Club Vistara Explorer Credit Card

The Club Vistara Explorer Credit Card by IndusInd Bank is a premium co-branded travel card crafted for those who seek luxury, privileges, and exceptional rewards. Designed in partnership with Tata SIA Airlines (Vistara), this card is tailored for frequent flyers, international travelers, and high spenders who want to elevate every aspect of their lifestyle. Upon paying the joining fee, cardholders receive a complimentary Business Class Ticket voucher, Gift Vouchers worth INR 25,000, and a first-year complimentary Club Vistara Gold membership with perks like priority check-in, priority boarding, and additional baggage allowance. The card rewards spending generously, offering up to 8 Club Vistara Points per INR 200 spent on Vistara bookings, and 6 points on hotel, airline, and travel spends. Milestone spenders can earn up to 5 additional Business Class Ticket vouchers annually. International travelers benefit from a low 1.8% foreign currency mark-up, while global lounge access is available through the Priority Pass Programme at 600+ lounges worldwide. Beyond travel, the card offers a 24x7 concierge service, BookMyShow entertainment benefits, dining discounts via EazyDiner, fuel surcharge waivers, Auto Assist roadside services, and comprehensive travel insurance. With no late payment fees, no over-limit charges, and free cash withdrawal, the Club Vistara Explorer Credit Card delivers a truly grand and luxurious lifestyle experience.

Expert Review