MyFinCards
Club Vistara Explorer Credit Card

Joining Fee

₹40,000

Annual Fee

Rs. 10000 + Taxes

Forex Markup

1.8% + GST

INTERNATIONAL
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

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

Our Verdict

Premium travel card with Vistara air miles, business class vouchers, priority pass & low 1.8% forex markup.

Frequently Asked QuestionsAbout Club Vistara Explorer Credit Card

BENEFITSWhat are the key features and benefits of the Club Vistara Explorer Credit Card?
The Club Vistara Explorer Credit Card offers complimentary Club Vistara Gold membership in the first year, 1.8% foreign currency mark-up on international spends, complimentary Business Class ticket vouchers on achieving milestone spends, up to 8 CV Points per INR 200 spent on Vistara, free cash advancement/withdrawal facility, Priority Pass with 4 complimentary international lounge visits per quarter, comprehensive travel insurance, and 24x7 concierge service.
REWARDSHow can I maximize benefits on my Club Vistara Explorer Credit Card?
You can maximize benefits by using your card regularly for big-ticket purchases to earn more CV Points. Use your card for all international spends to take advantage of the low 1.8% foreign currency mark-up. Make use of the Priority Pass Programme for access to 600+ lounges worldwide. Spend in milestones of INR 3 lakhs to earn complimentary Business Class ticket vouchers, and use the card on the Vistara website or app to earn the highest reward rate of 8 CV Points per INR 200.
USAGEHow can I redeem the CV Points earned on my Club Vistara Explorer Credit Card?
You can redeem your accumulated CV Points for flight bookings on the Vistara network. CV Points are transferred to your Club Vistara (CV) account in the subsequent billing cycle after they are earned. Points can be redeemed across multiple options — visit the Club Vistara redemption portal for detailed steps. Note that CV Points will only be earned for spends up to the assigned credit limit in every statement cycle.
APPLICATIONHow can I apply for the Club Vistara Explorer Credit Card?
To apply, click the 'Apply Now' button on the card page and provide basic details like your mobile number and PAN card number. Next, verify your address details and select the Club Vistara Explorer Credit Card. Complete your application with an instant video KYC process. Once done, sit back and relax — the card will be delivered to your registered address within 2-3 business days.
REWARDSWhat are the reward points I can earn across different spend categories?
The Club Vistara Explorer Credit Card offers tiered rewards: 8 CV Points per INR 200 on spends on the Vistara website or app, 6 CV Points per INR 200 on hotel, airline, and travel spends, 2 CV Points per INR 200 on all other spends, and 1 CV Point per INR 200 on utility, insurance, government payments, and fuel transactions.
FEESWhat are the joining and annual fees for the Club Vistara Explorer Credit Card?
The Club Vistara Explorer Credit Card has a joining fee of ₹40,000 and an annual renewal fee of ₹10,000. Upon payment of the joining fee, you receive welcome benefits including a complimentary Business Class ticket voucher from Vistara and gift vouchers worth INR 25,000. On payment of the annual renewal fee, you receive an additional complimentary Business Class ticket voucher.
FEESAre there any late payment fees or over-limit charges on this card?
No, the Club Vistara Explorer Credit Card does not charge any late payment fees or over-limit fees. Additionally, there are no cash advancement or withdrawal charges, giving you complete freedom to manage your finances without worrying about penalty charges. This makes it a financially flexible card for cardholders who occasionally miss payments or need emergency cash.
BENEFITSWhat international lounge access benefits do I get with this card?
The card comes with a complimentary Priority Pass membership, providing access to 600+ airport lounges worldwide. You are eligible for 4 complimentary visits per calendar quarter to participating international lounges outside India. Visits beyond 4 per quarter are charged at USD 27 per visit. Note that lounge visits within India via Priority Pass are charged at up to USD 35, and guest visits inside or outside India are also chargeable at up to USD 35.
BENEFITSWhat domestic lounge access do I get with the Club Vistara Explorer Credit Card?
With the Club Vistara Explorer Credit Card, you can avail 1 complimentary visit per calendar quarter to participating domestic airport lounges using your physical credit card. Please note that domestic lounge visits via Priority Pass are chargeable at up to USD 35. You can check the list of eligible domestic lounges on the IndusInd Bank website.
BENEFITSWhat travel insurance coverage is included with this card?
The Club Vistara Explorer Credit Card provides comprehensive travel insurance in partnership with The Oriental Insurance Company Ltd. Coverage includes: lost baggage up to ₹1,00,000, delayed baggage up to ₹25,000, loss of passport up to ₹50,000, lost ticket up to ₹25,000, and missed flight connection up to ₹25,000. This ensures peace of mind during travel by covering unforeseen incidents that may cause financial stress.
INTERNATIONALWhat is the foreign currency mark-up on the Club Vistara Explorer Credit Card?
The Club Vistara Explorer Credit Card charges a low foreign currency mark-up of 1.8% on all international spends, effective 4th November 2024. This is among the lower forex mark-up rates available on premium credit cards, making it an excellent choice for frequent international travellers who want to save on currency conversion costs while also earning CV Points on overseas transactions.
REWARDSWhat milestone benefits can I earn with the Club Vistara Explorer Credit Card?
You can earn up to 5 complimentary Business Class ticket vouchers per year based on your annual spending milestones: 1 voucher each at INR 3 lakh, INR 6 lakh, INR 9 lakh, INR 12 lakh, and INR 15 lakh spent in a year. Each voucher entitles you to a waiver of the base fare on a one-way domestic Vistara Business Class ticket. Vouchers are credited within 45 days of achieving the spend threshold.
BENEFITSWhat is the Auto Assist facility and where is it available?
Auto Assist is a roadside assistance service available to Club Vistara Explorer Credit Cardholders round the clock throughout the year. It includes roadside repair, emergency fuel supply (up to 5 litres), flat tyre service, lost key assistance, battery service, emergency towing, and accident management with medical coordination. Currently, Auto Assist services are available in Mumbai, Delhi, Bangalore, Pune, Chennai, and Kolkata. To avail the service, call the concierge desk at 1860 267 7777.
OTHERWhat is the impact of the Vistara-Air India merger on this credit card?
Due to the merger of TATA SIA Airlines Ltd (Vistara) with Air India, the Club Vistara Explorer Credit Card program is being revised effective 12th November 2024. Benefits on the Vistara Credit Card are applicable only until 31st March 2025. The card is being migrated to a different IndusInd Bank Credit Card variant. Cardholders who have received communication from the bank should refer to the details provided in that communication for their specific migration plan.
BENEFITSWhat concierge services are available with the Club Vistara Explorer Credit Card?
The card offers a complimentary 24x7 concierge service accessible from anywhere in the world. Services include pre-trip travel information and recommendations, hotel reservations at premium properties globally, flight bookings, exclusive event bookings such as workshops and seminars, and gift and flower delivery worldwide. To avail any concierge service, cardholders can call the dedicated concierge desk at 1860 267 7777.

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