Key Highlights of IDFC FIRST Club Vista Credit Card

• Deposit-backed Premium Card: Backed by a Fixed Deposit (FD) with IDFC FIRST Bank, enjoy the freedom to spend with a high credit limit, determined by the amount of your FD.
• Zero Documentation: No cumbersome paperwork or credit score checks are required, making the application process quick and hassle-free.
• Lifetime Free: Enjoy the luxury of a premium credit card without any joining or annual fees.
• Best-in-class Credit Limit: Get a minimum credit limit of 100% of your FD’s value, offering maximum flexibility and spending power.
• 100% Cash Withdrawal on FD: Withdraw up to 100% of your FD value in cash while continuing to earn interest on your deposit.
• Zero Forex Markup Fee: Shop internationally and save with no foreign currency transaction fees.
• Low Interest Rates: Competitive interest rates starting from 9% per annum on carry-over balances.

IDFC FIRST Club Vista Credit Card Features & Benefits

Rewards & Cashback Benefits

• 4X Reward Points: Earn 4X reward points on all your transactions (excluding fuel, insurance, EMI, and cash withdrawals).
• 1 Reward Point = ₹0.25: Each reward point is worth ₹0.25, adding value to every purchase.
• Unlimited Reward Points: Accumulate unlimited reward points that never expire.
• Welcome Offer: Get 5% cashback on the first EMI transaction made within 90 days of card issuance (on purchases above ₹2,500), with a maximum benefit of ₹1,000.

Travel & Forex Privileges

• Zero Forex Markup Fee: Save significantly on international transactions with a 0% foreign exchange markup, making this card perfect for frequent travelers.
• Complimentary Airport Lounge Access: Access select airport lounges, ensuring you travel in comfort and style.
• Complimentary Roadside Assistance: Benefit from 24/7 complimentary roadside assistance, valued at ₹1,399, whenever you're on the road.

Lifestyle & Dining Offers

• Exclusive Dining Discounts: Enjoy up to 20% discount at over 1,500+ partner restaurants across India, making every meal more rewarding.
• Health & Wellness Privileges: Avail up to 15% discount at more than 3,000 health and wellness outlets across the country, keeping you in top shape.
• Year-Round Retail Offers: Gain access to exclusive shopping offers at 300+ premium retailers and merchants.

Fuel Surcharge Waiver

• 1% Fuel Surcharge Waiver: Enjoy a 1% waiver on fuel surcharges at all fuel stations across India, with a maximum monthly benefit of ₹200.

Safety & Security Benefits

• Personal Accident Cover: Get a complimentary personal accident insurance cover of ₹2,00,000, provided you make at least one transaction within the last 30 days.
• Lost Card Liability Protection: You’re covered up to ₹25,000 in case of unauthorized transactions due to a lost or stolen card, ensuring your finances are always secure.
• Fraud Protection: IDFC FIRST Bank provides comprehensive protection against card fraud or misuse.

Flexible EMI & Balance Transfer Options

• Instant EMI Conversion: Convert transactions above ₹2,500 into easy EMIs through the IDFC FIRST Bank mobile app.
• Flexible Tenure: Choose an EMI repayment tenure of 3 to 18 months, offering flexibility in managing your payments.
• Balance Transfer Option: Transfer balances from other bank credit cards at attractive rates and repay them through easy monthly installments.

IDFC FIRST Club Vista Credit Card Fees & Charges

• Joining fee: Nil
• Annual fee: Nil
• Add-on card fee: Nil
• Forex markup: Nil
• Rate of interest (APR): 0.75% to 3.5% per month (9% to 42% per annum) on purchases, cash advances, and outstanding balances. The specific rate applied will depend on the cardholder’s usage and payment behavior.
• Cash advance fee - transaction fee: ₹250 per transaction: A fixed fee is charged for each cash withdrawal made using the credit card.
• Late payment charges: 15% of the total amount due, subject to a minimum of ₹100 and a maximum of ₹1,250. This ensures the late fee is proportionate to the outstanding amount.
• Overdue interest: 3.99% per month (47.88% per annum): This interest rate is applied to overdue amounts that have not been paid within the billing cycle.
• Return of Auto-Debit/Cheque/Payment Return Fee: ₹250 per returned transaction: This fee is charged if an auto-debit, cheque, or any other payment method fails.
• Card replacement fee: ₹100 per card: A nominal fee for replacing a lost or damaged card.
  ₹149 per card: For cards with image personalization.
• Image personalisation fee: ₹499 per card: A one-time fee for customizing the credit card with your preferred image.
• Reward redemption fee: ₹99 per redemption transaction: Effective from 01.10.2022, this fee applies when you redeem your reward points.
• Fuel Surcharge Waiver:1% waiver on fuel surcharge: This benefit is applicable at all fuel stations across India, with a maximum waiver of ₹200 per month.
• Goods and Service Tax (GST): GST (currently 18%) is applicable on all the fees and charges listed above as per the Government of India regulations.

IDFC Club Vista Credit Card Eligibility

To apply for the IDFC FIRST Club Vista Credit Card, you need to meet the following criteria:

• Age: The applicant must be 18 years or older to apply for the credit card.
• Fixed Deposit: You must have an active Fixed Deposit (FD) with IDFC FIRST Bank
  For existing IDFC FIRST Bank customers, the minimum FD amount should be ₹2,000.
  For new customers, the minimum FD amount should be ₹5,000.
• Indian Residency: Only residents of India with a current and permanent residential address within India are eligible to apply for the credit card.
• Mode of Fixed Deposit :The FD should be in cumulative or re-invest mode and should be set to auto-renew to be eligible for the credit card issuance.
• Citizenship:The applicant must be an Indian citizen to qualify for the card.
• Location: The IDFC FIRST Bank maintains a list of cities from which it sources the credit card applications. Ensure that your city is on the bank’s allowed list for credit card issuance.
• Internal policy criteria: The bank has internal policies for selecting credit card customers, which include evaluating the applicant's.
  Credit history (if applicable)
  Relationship with IDFC FIRST Bank
  Demographics and credit exposure
  Approval of the credit card is at the sole discretion of the bank, based on its internal policies.

IDFC FIRST Club Vista Credit Card Documents Required

You will be required to provide the documents mentioned below in order to apply for IDFC FIRST Club Vista Credit Card:

• Address proof: Aadhaar Card/Voter ID Card/Passport/Driving License/PAN Card
• Proof of address: Aadhaar Card/Voter ID Card/Passport/Driving License/Utility Bill /Ration Card
• Proof of income: Salary Slip, Form 16 ,Income Tax Return (ITR)

How to Apply for IDFC FIRST Club Vista Credit Card

You can apply for the IDFC FIRST Club Vista Credit Card from IDFC FIRST Bank’s web portal by following the steps given below:

• Open the IDFC FIRST Club Vista Credit Card page by clicking the link https://www.idfcfirstbank.com/credit-card/credit-card-against-fixed-deposits
• Click on the ‘Apply Now’ button.
• Mention your name as given on your Aadhaar Card and your date of birth.
• Enter your 10-digit mobile number.
• Click on the ‘Get OTP’ button.
• Enter the OTP received on your registered mobile phone.
• You will get a call from the bank’s executive shortly regarding taking the application process ahead.
• Alternatively, you can also apply for an IDFC FIRST Bank Club Vista credit card from our website or by visiting the nearby IDFC FIRST branch.