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 launched by IndusInd Bank in partnership with Club Vistara. Positioned for high net-worth individuals, it offers a range of exclusive benefits including complimentary Club Vistara Gold membership, business class ticket vouchers, and accelerated Club Vistara Points on travel and Vistara spends. Key differentiating features include zero cash advance charges, a 1% fuel surcharge waiver, and comprehensive travel and lifestyle privileges.

Welcome Benefits

• Complimentary Club Vistara Gold Membership for the first year.
• One complimentary Business Class ticket voucher on joining, which waives the base fare component on a one-way ticket for travel on Vistara's domestic network.
• Exclusive gift vouchers worth Rs. 25,000 upon payment of the joining fee. Cardholders can choose from:
  • A Luxe gift card (redeemable against Reliance brands like Tumi, Coach, Satya Paul, Boss, Michael Kors, Hamleys, Armani Exchange).
  • A one-night stay voucher at Oberoi hotels across the country.
  • A gift voucher worth Rs. 25,000 from brands like Charles & Keith, Hush Puppies.
• One complimentary Business Class ticket voucher annually upon card renewal.

Fees

• Joining Fee: Rs. 40,000 + GST
• Annual Fee: Rs. 10,000 + GST
• Spend-Based Waiver: Not applicable.
• Rewards Redemption Fee: Nil.
• Foreign Currency Markup: Nil. However, effective November 4, 2024, a 1.8% foreign currency markup will be applicable on international spends.
• Interest Rates: 2.85% per month.
• Fuel Surcharge Waiver: 1% waiver on fuel surcharge at all fuel stations for transactions between Rs. 400 and Rs. 4,000.
• Cash Advance Charges: Nil.
• Late Payment Charges: Nil.
• Over Limit Fee: Nil.
• Add-on Card Fee: Nil.

Rewards

• Rewards Rate (Club Vistara Points)

  • 8 CV Points per Rs. 200 spent on the Vistara website/app.
  • 6 CV Points per Rs. 200 spent on hotel, airline, and other travel-related bookings.
  • 2 CV Points per Rs. 200 spent on all other retail transactions.
  • 1 CV Point per Rs. 200 spent on utility, insurance, government payment, and fuel transactions.
  • CV Points are transferred to the Club Vistara Account in the subsequent billing cycle.
  • CV Points are earned only for spends up to the assigned credit limit in every statement cycle.

• Milestone Benefits

  • Earn up to 5 complimentary Business Class ticket vouchers every year based on annual spends.
  • 1 Business Class Ticket voucher for every Rs. 3 lakhs spent, up to a maximum of 5 vouchers for Rs. 15 lakhs in annual spends.
  • Vouchers are eligible within 45 days of achieving the spend threshold.
  • Each voucher entitles the cardholder to a waiver of the base fare component on a one-way ticket for travel on Vistara's domestic network.

• Movie & Entertainment Benefits

  • Buy 1 Get 1 Free (BOGO) offer on movie tickets via BookMyShow, up to 2 complimentary tickets per month (each capped at Rs. 700).
  • Get an additional Rs. 100 off on F&B options when booking movie tickets.
  • Up to 20% discount on event and theatre bookings on BookMyShow.

• Dining Benefits

  • Rs. 3,000 off on dining bills twice every year at over a hundred premium restaurants.
  • The discount can be availed once every six months.
  • Restaurant table reservations can be made using the EazyDiner app or website to get an instant discount.

• Travel Benefits

  • Domestic Lounge Access: 1 complimentary visit per calendar quarter to participating domestic lounges using the Club Vistara IndusInd Bank Explorer Credit Card plastic.
  • International Lounge Access: Complimentary Priority Pass membership with 4 complimentary visits per calendar quarter to international lounges outside India.
    • Lounge visits beyond the complimentary access are chargeable at USD 27 per person for international lounges and USD 35 per person for domestic lounges.
    • Usage charges of up to USD 35 for guests (within or outside India) are not waived.
    • Cardholders must request the Priority Pass card from the IndusInd Bank Contact Center.
  • Travel Plus Programme: Offers special waivers on lounge usage charges outside India (maximum 8 lounge usages/year of value $27, enrolment fee Rs 5,000 per annum wef 15th Oct 2013, annual saving Rs 12,960 approximately).
  • Visa Offers:
    • 20% discount on retail rates for Airport Fast Track immigration service at over 450 destinations worldwide.
    • 15% off retail rates on airport transfer service in key cities globally.

• Insurance Benefits

  • Air accident cover: Rs. 2.5 crores.
  • Lost baggage: Rs. 1,00,000.
  • Delayed baggage: Rs. 25,000.
  • Loss of passport: Rs. 50,000.
  • Lost ticket: Rs. 25,000.
  • Missed flight connection: Rs. 25,000.
  • Total Protect: A program covering unauthorized transactions (up to 48 hours prior to reporting loss/theft) and counterfeit fraud, for an amount equal to the credit limit on the card (also available on add-on cards).

• Lifestyle Benefits

  • 24x7 Concierge Service: Assistance with pre-trip information, hotel reservations, flight bookings, exclusive event bookings (workshops/seminars), and arranging flowers and gifts delivery worldwide.
  • Auto Assist: Round-the-clock roadside assistance available in Mumbai, Delhi, Bangalore, Pune, Chennai, and Kolkata, including:
    • Roadside repair service for mechanical/electrical failures.
    • Emergency fuel supply (up to 5 litres).
    • Flat tyre service.
    • Locksmith arrangement for lost keys.
    • Battery service.
    • Emergency towing assistance.
    • Accident management and medical assistance coordination.

Rewards Redemption Guide

• The earned Club Vistara (CV) Points are redeemable against travel-related bookings on the Club Vistara website/app.
• Points can be redeemed for flight bookings on Air Vistara flights or partner airlines, including SilkAir, Singapore Airlines, United Airlines, Japan Airlines, and Air Canada.
• Redemption can be done by logging into your CV account or by calling customer care at +91 9289228888.

Card Eligibility Criteria

• How to Apply:
  • Online: Click the "Apply Now" button, provide basic details (mobile number, PAN card number), verify address, select the Club Vistara Explorer Credit Card, and complete an instant video KYC. The card is typically delivered within 2-4 days.
  • Offline: Visit the nearest IndusInd Bank branch with the required documents.

Card Review

The Club Vistara IndusInd Bank Explorer Credit Card is an excellent choice for High Net-worth Individuals (HNIs) seeking a credit card with extensive benefits across multiple categories, particularly travel. Despite its high joining and annual fees, the card delivers world-class privileges and rewards across various spends, including movies, dining, and fuel. A significant advantage is the absence of foreign currency markup (though this changes to 1.8% from Nov 4, 2024) and cash advance charges, which are rare features among premium cards. For those desiring a super-premium card with comprehensive features and substantial savings, this card presents a compelling option.

Important Product Details

• Complimentary Club Vistara Gold Tier membership for the first year.
• One complimentary Business Class ticket voucher upon joining and annually upon renewal.
• Gift vouchers worth Rs. 25,000 as a welcome benefit.
• Opportunity to earn up to 5 complimentary Business Class ticket vouchers every year based on spend milestones.
• High CV points earning rate: 8 CV points per Rs. 200 on airvistara.com, 6 CV points on other travel spends, 2 CV points on general retail, and 1 CV point on insurance, utilities, and fuel transactions.
• Buy 1 Get 1 free movie tickets twice every month.
• Complimentary access to both domestic and international airport lounges.
• Rs. 3,000 off on dining bills twice every year.
• Zero Foreign Markup Charges (changing to 1.8% effective Nov 4, 2024).
• 1% fuel surcharge waiver.
• No late payment charges, no cash advance fee, and no add-on card fee.
• Chip-based contactless credit card for swift, convenient, and secure transactions.
• "Total Protect" program provides insurance cover up to the credit limit for unauthorized transactions and counterfeit fraud.

Other Details

• The card is currently issued in association with Visa, with plans for a Mastercard variant.
• The Club Vistara IndusInd Bank Explorer Credit Card program will be revised effective November 12, 2024, due to the merger of TATA SIA Airlines Ltd (Vistara) with Air India.
• Due to the merger, the IndusInd Bank Vistara Explorer Credit Card is being migrated to a different variant of IndusInd Bank Credit Card.
• Benefits on the Vistara Credit Card are applicable only until March 31, 2025.
• These notices regarding the merger and benefit changes are applicable only to select customers who have received communication from the Bank.
• The complimentary Business Class ticket voucher provides a waiver of the base fare component on a one-way ticket for travel on Vistara's domestic network.
• The card is a co-branded credit card issued by IndusInd Bank in partnership with Tata SIA Airlines Limited (Vistara), involving a revenue-sharing arrangement.
• Vistara is a joint venture between Tata Sons Private Limited (51% stake) and Singapore Airlines Limited (49% stake), registered as TATA SIA Airlines Limited.
• The name 'Vistara' is derived from the Sanskrit word 'Vistaar', meaning 'a limitless expanse', and its tagline is 'fly the new feeling'.
• General Terms & Conditions apply for various benefits and insurance policies.
• Concierge desk and Auto Assist contact number: 1860 267 7777.