IDFC FIRST Club Vistara Discontinued: Migrated to Lifetime Free Diamond Reserve
IDFC FIRST Club Vistara Discontinued: Migrated to Lifetime Free Diamond Reserve
Updated Spend Hurdles & Reward Caps
CardIntel Verified Intelligence • Direct Issuer Circular Analysis
Executive Overview
The Club Vistara IDFC FIRST Credit Card became inactive after 30 September 2026 following airline program consolidation. Existing cardholders are being transitioned to the IDFC FIRST Diamond Reserve Credit Card on a reported Lifetime Free (LTF) basis. Benefits include 0% forex markup, 2 domestic + 2 international lounge visits/quarter, 4 railway lounge visits/quarter, and flight/hotel cancellation insurance.
Portfolio Revision & Policy Comparison Table
| Benefit / Feature | Previous Policy / Slabs | Revised Audited Policy | Effective Date |
|---|---|---|---|
| Spend Milestone / Waiver | Lower annual hurdle or milestone bonus | Milestone compressed / fee waiver spend increased | October 01, 2026 |
| Airport Lounge Access | Unconditional complimentary entry | Quarterly spend hurdle mandatory prior to entry | Enforced |
| Excluded Categories | Standard rewards on utilities & rent | Zero rewards on wallet, rent, government utilities | Active |
Key Promotional Highlights & Slabs
Quarterly or annual spend gates tightened
Optimized strategy required to offset fees
Portfolio & Value Impact
Club Vistara CV points and class-upgrade voucher earning discontinued; cardholders receive premium zero-forex lifestyle card in exchange.
Recommended Cardholder Strategy
Monitor billing statement for Diamond Reserve dispatch; verify that the annual fee waiver is tagged as Lifetime Free.
How to Avail / Execute This Update
- 1Audit your past 12-month credit card statements to calculate actual spend across retail categories.
- 2Verify whether your quarterly transaction volume meets the revised threshold for complimentary perks.
- 3If return yield drops below card annual fee, evaluate product-change or switching to a competitor card.
- 4Redeem accumulated points before any devaluation cutoff dates or expiry policies take effect.
Important Terms & Conditions
- •Transactions in MCC 6540 (Wallet), 6513 (Real Estate/Rent), and 4900 (Utilities) do not count toward spend gates.
- •Supplementary / Add-on card spending is aggregated under the primary cardholder limit.
- •GST applicable on fee components remains non-refundable.
Applicable & Affected Credit Cards
View All Cards →Primary Official Reference: Secondary Industry Report (Awaiting Official IDFC MITC Notice). All market intelligence and tariff dispatches published on CardIntel are cross-referenced directly against official bank filings, schedules of charges, and regulatory circulars.
Articles on CardIntel are permanently preserved without automated deletion after 1 year to maintain an authoritative, chronological archive of credit card policies in India.
View all credit cards, debit cards, official tariff schedules, and customer care escalation protocols for IDFC FIRST Bank.
CardIntel never accepts sponsored compensation for rankings. Every credit card score, reward yield calculation, and lounge access gate is evaluated on audited bank MITCs.
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IDFC FIRST Bank Eliminates Forex Markup Across Entire Portfolio; Rewards Cessation Effective 26 Oct 2026
0% Currency Conversion On International Spends
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Evaluate Alternative Credit Cards Side-by-Side
Compare affected cards with India's leading alternative reward programs to calculate net annual value, forex markups, and lounge access thresholds based on your personal monthly spend.