Club Vistara IndusInd Bank Explorer Credit Card – Benefits, Fees & Eligibility

Introduction

The Club Vistara IndusInd Bank Explorer Credit Card is a premium co-branded credit card offering a luxurious lifestyle with exclusive privileges and rewards. It provides a rich experience across travel, dining, entertainment, and more, making it ideal for those who seek to explore new genres of life. Currently issued in association with Visa, a Mastercard variant is also planned.

Important Notice: The IndusInd Bank Club Vistara Explorer Credit Card program will be revised effective November 12, 2024, due to the merger of TATA SIA Airlines Ltd (Vistara) with Air India. Consequently, the card is being migrated to a different variant of IndusInd Bank Credit Card, and the existing benefits are applicable only until March 31, 2025. This applies only to select customers who have received communication from the bank.

Welcome Benefits

• Complimentary Club Vistara Gold membership for the first year. This membership includes privileges such as priority check-in, priority boarding, additional baggage allowance, and priority baggage handling.
• Complimentary Business Class Ticket voucher from Vistara upon payment of the joining fee. This voucher provides a waiver of the base fare component on a one-way ticket for travel on Vistara's domestic network.
• Gift Vouchers worth INR 25,000 from IndusInd Bank upon payment of the joining fee. You can choose from options such as:
  • A Luxe gift card (worth Rs. 25,000) for use at Reliance brands (including Tumi, Coach, Satya Paul, Boss, Micheal Kors, Hamleys, etc.).
  • A one-night stay voucher at Oberoi hotels across the country.
  • Gift vouchers from brands like Charles and Keith, Hush Puppies, and more (via Vouchagram).
• Welcome benefits are applicable subject to the payment of the joining fee.
• Upon payment of the Renewal Fee, you will receive an Annual Benefit of a Complimentary Business Class Ticket voucher from Vistara. This voucher provides a waiver of the base fare component on a one-way ticket for travel on Vistara's domestic network.

Fees

• Joining Fee: Rs 40,000 + GST
• Annual Fee: Rs 10,000 + GST
• Spend-Based Waiver: Not applicable for annual fee waiver.
• Rewards Redemption Fee: Nil
• Foreign Currency Markup:
  • Currently, no foreign currency markup charges.
  • A 1.8% Foreign Currency Mark-up will be applicable on international spends, effective November 4, 2024.
• Interest Rates: 2.85% per month.
• Fuel Surcharge: 1% waiver on fuel surcharge at any fuel station in the country, applicable for transactions between Rs. 400 and Rs. 4,000.
• Cash Advance Charges: Nil
• Late Payment Fee: No late payment fees.
• Over Limit Fee: No over limit charges.
• Add-on Card Fee: No add-on card fee.

Rewards

Club Vistara Points Accrual

Reward Points will be earned in the form of Club Vistara (CV) Points.

• Spends on Vistara website/app: 8 Club Vistara Points per INR 200 spent.
• Spends on Hotel, Airline, Travel: 6 Club Vistara Points per INR 200 spent.
• Spends on Utility, Insurance, Government Payment, Fuel: 1 Club Vistara Point per INR 200 spent.
• All other spends (retail transactions): 2 Club Vistara Points per INR 200 spent.
• Club Vistara Points will be transferred to your CV Account in the subsequent billing cycle.
• Club Vistara points will be earned only for spends up to the assigned credit limit in every statement cycle.

Milestone Benefits

• Earn a Complimentary Business Class Ticket voucher on every spend milestone of INR 3 lacs.
• You can earn up to a maximum of 5 Complimentary Business Class Ticket vouchers in a year.
• The vouchers are received within 45 days of achieving the spend threshold.
• Milestone rewards are as follows:
  • INR 3,00,000 spends: 1 Business Class Ticket voucher
  • INR 6,00,000 spends: 1 Business Class Ticket voucher
  • INR 9,00,000 spends: 1 Business Class Ticket voucher
  • INR 12,00,000 spends: 1 Business Class Ticket voucher
  • INR 15,00,000 spends: 1 Business Class Ticket voucher
• Each Complimentary Business Class Ticket voucher entitles the cardholder to a waiver of the base fare component on a one-way ticket for travel on Vistara's domestic network.

Dining Benefits

• Enjoy mouth-watering offers and discounts.
• Get Rs. 3,000 off on your dining bills two times every year at more than a hundred premium restaurants.
• The discount can be availed once every six months. If the bill amount is less than Rs. 3,000, the remaining amount cannot be used later.
• Avail dining offers via the EazyDiner app or website.

Entertainment Benefits (Movies & Theatre)

• 20% off on BookMyShow on Events and Theatre bookings.
• Buy one movie ticket and get the other one absolutely free.
• The free ticket price is capped at Rs. 700 each. If the ticket price is more than Rs. 700, the difference must be paid by the cardholder.
• Avail up to 2 free tickets in a month.
• Get an additional Rs. 100 off on selecting the F&B option.
• Offer valid on all theatres registered with BookMyShow across all major cities.

Travel Benefits

Lounge Access

• Domestic Lounge Access: You can avail 1 complimentary visit per calendar quarter (total 4 annually) in any of the participating domestic lounges using your Club Vistara IndusInd Bank Explorer Credit Card.
• International Lounge Access (Priority Pass Programme):
  • Complimentary Priority Pass membership.
  • Eligible for 4 complimentary visits in each calendar quarter (total 16 annually) to any of the participating international lounges outside India with your Priority Pass.
  • Cardholders need to request the Priority Pass card from IndusInd Bank Contact Center.
  • Usage charges of USD 27 for visits by the Primary Cardholder to any lounge outside India shall not be waived off for more than 4 lounge visits in each calendar quarter.
  • Usage charges of up to USD 35 for visits by Primary Cardholders to any lounge within India shall not be waived off.
  • Usage charges of up to USD 35 for visits by guests of Cardholders to any lounge within or outside India shall not be waived off.
  • The usage charges for lounge access are subject to change as governed by Priority Pass.
  • The annual benefit value of Priority Pass membership is approximately $198 (Rs 9,900).

Travel Plus Programme

• Designed to enrich travel experiences, providing comfort and luxury.
• In addition to VIP access at 600+ airport lounges worldwide as part of the Priority Pass Programme, you also enjoy special waivers on lounge usage charges outside India with Travel Plus.
• Maximum of 8 lounge usages per year (valued at $27 each).
• Enrolment Fee: Rs 5,000 per annum (effective October 15, 2013).
• Annual Savings: Approximately Rs 12,960.

Insurance Benefits

IndusInd Bank has partnered with The Oriental Insurance Company Ltd. to provide comprehensive insurance coverage:

Travel Insurance Coverage

• Lost baggage: Up to Rs 1,00,000
• Delayed baggage: Up to Rs 25,000
• Loss of passport: Up to Rs 50,000
• Lost ticket: Up to Rs 25,000
• Missed flight connection: Up to Rs 25,000

Total Protect

A first-of-its-kind program that covers you for an amount equal to the credit limit on your card and is also available on add-on cards.

• Unauthorized transactions in case of loss/theft of card: Insurance cover up to 48 hours prior to reporting the loss of your card.
• Counterfeit fraud: Protection against misuse of your card or card details to produce counterfeit cards.

Air Accident Cover

• Complimentary personal air accident insurance cover of up to 25 lakhs.
• Accidental air death cover of up to Rs. 2.5 crores.

Concierge Service

A complimentary 24x7 concierge service accessible from any corner of the world, offering assistance with:

• Pre-trip assistance: Information, recommendations, and assistance about travel destinations, weather, important landmarks, and modes of transport.
• Hotel reservation: Handling reservations and making arrangements in hotels across the world.
• Flight booking: Making all necessary flight arrangements.
• Exclusive booking: Providing information and making reservations for special events, workshops, or seminars (whenever possible).
• Flowers and gifts: Arranging for special gifts or flower delivery to anyone, anywhere in the world.
• To avail these services, call the concierge desk at 1860 267 7777.

Auto Assist

A facility providing on-the-spot assistance for vehicle emergencies, available round-the-clock throughout the year in Mumbai, Delhi, Bangalore, Pune, Chennai, and Kolkata:

• Roadside repair service: Arrangement of a mechanic to repair your vehicle at the location in case of mechanical/electrical failure.
• Emergency fuel supply: Arrangement to deliver fuel (up to five litres) to your location.
• Flat tyre service: Arrangement of a mechanic to repair or replace the tyre.
• Lost keys: Arrangement for a locksmith to make a new car key or open your car door.
• Battery service: Arrangement of a service provider to fix battery issues.
• Emergency towing assistance: Arrangement for a towing service to tow your car to a garage for repair.
• Accident management and medical assistance: Coordination for emergency message transmission, arranging for emergency medical assistance, and towing of vehicle.
• For further details, call the concierge desk at 1860 267 7777.

Visa Offers

• Airport Meet & Greet Immigration Services: Visa Signature Cardholders can enjoy a 20% discount on retail rates for Airport Fast Track immigration service at over 450 destinations worldwide.
• Visa Airport Limo Transfer Program: Visa Signature Cardholders can enjoy a 15% off retail rates on airport transfer service in key cities globally.

Rewards Redemption Guide

• You can redeem your accumulated Club Vistara (CV) Points for Flight bookings to explore the Vistara network for free.
• The earned CV Points can be redeemed against bookings for Air Vistara flights or partner airlines, including SilkAir, Singapore Airlines, United Airlines, Japan Airlines, and Air Canada.
• You can redeem the points by logging into your CV account or by calling customer care at +91 9289228888.
• Club Vistara Points are transferred to your CV Account in the subsequent billing cycle.

Card Review

The Club Vistara IndusInd Bank Explorer Credit Card is an excellent option for High Net Worth Individuals (HNIs) seeking a credit card with comprehensive benefits, particularly in the travel category. Despite its high joining and annual fees, the card offers world-class benefits and rewards across various categories, including movies, dining, and fuel, ensuring savings for the cardholder. A notable feature, rare among credit cards, is the absence of late payment, over limit, and cash advance charges, making it a super-premium choice for those desiring extensive features.

Pros

• Many fees are waived, including cash withdrawal charges, late payment fees, and over limit fees.
• Zero Foreign Currency Markup Charges (though this changes to 1.8% effective November 4, 2024).
• Complimentary Club Vistara Gold Tier membership.
• Complimentary business class ticket vouchers on joining and annual renewal.
• Up to 5 complimentary business class ticket vouchers every year based on spend milestones.
• Comprehensive rewards program with high earning rates on Vistara, travel, and retail spends.
• Extensive domestic and international lounge access benefits.
• Generous movie and dining benefits.
• Comprehensive travel insurance and card security features like Total Protect.
• Access to 24x7 Concierge and Auto Assist services.

Cons

• The joining and annual fees are relatively high.
• Club Vistara Gold membership is only for the first year.

Important Product Details

• Complimentary Club Vistara Gold Tier membership.
• 1 complimentary Business Class ticket voucher on joining.
• Exclusive gift vouchers worth Rs. 25,000 as a welcome benefit.
• Up to 5 complimentary Business Class ticket vouchers every year on achieving spend milestones.
• Earn up to 8 CV points per Rs. 200 spent on the Vistara website/app and 6 CV points on other travel-related spends.
• Earn 2 CV Points on every retail spend of Rs. 200 and 1 CV point on insurance, utilities, government payments, and fuel transactions.
• Enjoy a Buy 1 Get 1 Free offer on movie tickets twice every month, capped at Rs. 700 per ticket, plus Rs. 100 off on F&B.
• Complimentary access to domestic (1 per quarter) and international (4 per quarter via Priority Pass) lounges.
• Get Rs. 3,000 off on dining bills twice every year.
• Currently, zero foreign markup charges, changing to 1.8% effective November 4, 2024.
• 1% fuel surcharge waiver for transactions between Rs. 400 and Rs. 4,000.
• No late payment charges, no over limit fees, and no cash advance fees.
• Auto Assist and 24x7 Concierge services.
• Comprehensive travel insurance and Total Protect for card security.
• Accidental air death cover of up to Rs. 2.5 crores.

Other Details

• The card is a chip-based contactless card, enabling swift, convenient, and secure transactions by simply tapping at merchant locations. It can also be used for online purchases and cash withdrawals worldwide.
• The Club Vistara IndusInd Bank Explorer Credit Card is a co-branded credit card issued by IndusInd Bank in partnership with Tata SIA Airlines Limited (Vistara), with a revenue-sharing arrangement between them.
• Vistara is a joint venture of Tata Sons Private Limited (51% stake) and Singapore Airlines Limited (SIA, 49% stake).
• The name ‘Vistara’ is derived from the Sanskrit word ‘Vistaar,’ meaning ‘a limitless expanse,’ symbolizing the limitless sky and a seamless, personalized flying experience.
• The card offers a 24x7 concierge desk for assistance, reachable at 1860 267 7777.
• To apply for the card, you can click on the ‘Apply Now’ button, provide basic details like mobile number and PAN card number, verify address, select the card, and complete the application with an instant video KYC. The card will be delivered within 2-3 days.