Club Vistara Explorer Credit Card
IndusInd Bank
Last updated: Feb 03, 2026
₹10,000
₹40,000
Free
20 visits/yr
Contents
Club Vistara Explorer Credit Card from IndusInd Bank is a super-premium co-branded travel credit card designed for frequent Vistara flyers and global travellers. It combines complimentary Club Vistara Gold membership, Vistara Business Class ticket vouchers and rich CV Points on flights, hotels and travel spends. The card also offers zero forex mark-up, Priority Pass lounge access, EazyDiner dining offers and 1+1 BookMyShow movie tickets, making it one of the most rewarding airline credit cards in India. Note: Due to the Vistara–Air India merger, this card is being migrated to another IndusInd Bank variant and core benefits are available only till 31 March 2025.
Features of Club Vistara Explorer Credit Card which makes it unique
Zero Forex Markup
0% foreign currency mark-up on eligible international transactions.
Significant savings on overseas travel, shopping and hotel spends compared with typical 3–3.5% forex fees.
Ideal for frequent international travellers who otherwise pay high forex charges on other credit cards.
Waiver of Key Penalty Fees
Waiver of cash advance fee, late payment fee and over-limit fee for this super-premium variant.
More forgiving fee structure if you occasionally miss due dates or need emergency cash.
Uncommon among Indian premium credit cards where penalty fees are usually substantial.
Multiple Business Class Ticket Vouchers
Earn up to 5 Vistara Business Class ticket vouchers every year through milestone spends.
Lets you experience full-service business class cabins on domestic routes at a fraction of the cost.
Provides one of the strongest airline milestone structures among Indian travel credit cards.
Rewards Structure of Club Vistara Explorer Credit Card
Utilities, Insurance & Fuel
baseUtility bill payments, insurance premiums, government payments and fuel transactions.
Lower earn rate on regulated categories where margins are capped, but still rewards essential payments.
Vistara Website & App
acceleratedFlights booked directly on Vistara website or mobile app and credited to linked Club Vistara ID.
Best value for loyal Vistara flyers booking directly with the airline.
Travel & Hotels
acceleratedEligible spends on airlines, hotels and travel bookings in India or overseas.
Ideal for frequent travellers who spend heavily on flights and premium hotel stays.
All Other Retail Spends
baseEveryday spends like dining, shopping, groceries and online payments, excluding restricted MCCs.
Helps build a steady stream of CV Points on regular lifestyle expenses.
Milestones of Club Vistara Explorer Credit Card
Annual Spend – ₹3,00,000
₹3,00,000 : 1 complimentary Vistara Business Class ticket voucher (one-way, domestic; base fare waiver).
Annual Spend – ₹6,00,000
₹6,00,000 : 2 complimentary Vistara Business Class ticket vouchers in total for the year.
Annual Spend – ₹9,00,000
₹9,00,000 : 3 complimentary Vistara Business Class ticket vouchers in total for the year.
Annual Spend – ₹12,00,000
₹12,00,000 : 4 complimentary Vistara Business Class ticket vouchers in total for the year.
Annual Spend – ₹15,00,000
₹15,00,000 : 5 complimentary Vistara Business Class ticket vouchers in total for the year (maximum annual milestone benefit).
Fees & Charges of Club Vistara Explorer Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹40,000 |
| Annual Fee | ₹10,000 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 0 |
| Late Payment Fee | 0% |
| Over Limit Fee | 0 |
| Returned Payment Fee | 0 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:On payment of the annual fee, you receive a complimentary Vistara Business Class ticket voucher for a one-way domestic flight (base fare waiver only). No renewal fee is charged after 31 March 2025 due to card migration.
Fee Explanation This super-premium travel credit card offers zero foreign currency mark-up on international spends and waives cash advance, late payment and over-limit fees. Standard finance charges on carried-forward balances and GST on all fees still apply. Some fees and benefits are being phased out as the card is migrated after the Vistara–Air India merger.
Detailed Explanation of Club Vistara Explorer Credit Card Fees
Joining Fee: ₹40,000 + taxes (one-time)
Payable in the first statement to unlock welcome benefits including CV Gold, Business Class ticket and gift vouchers.
Annual / Renewal Fee: ₹10,000 + taxes (yearly)
Charged from second year onwards; provides an annual Vistara Business Class ticket voucher. No renewal fee beyond 31 March 2025 as per migration notice.
Foreign Currency Markup: 0% (transaction)
Zero forex markup on international card transactions made in foreign currency, subject to standard VISA exchange rates and bank terms.
Finance Charges: Up to 2.85% per month (approx. 34% p.a.) (monthly)
Applied on unpaid outstanding balances and cash withdrawals from the transaction date until full payment.
Late Payment Fee: Nil (fee waived) (per statement)
Late payment fee is waived for this card variant; interest continues to accrue on unpaid amounts.
Cash Advance / Withdrawal Fee: Nil (fee waived) (transaction)
No cash advance fee for using ATMs to withdraw cash. Regular finance charges apply from the date of withdrawal.
Over-limit Fee: Nil (fee waived) (per statement)
Over-limit fee is waived; usage beyond assigned credit limit is at bank’s discretion and may affect future limit enhancements.
Lounge Access Benefits with Club Vistara Explorer Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
1 complimentary domestic lounge visit per calendar quarter using the primary card at participating Indian airport lounges.
international Lounges
silverVisits per year: 16
Guest access: No
Complimentary Priority Pass membership. Up to 4 complimentary international lounge visits per quarter (16 per year); usage charges may apply beyond free visits as per latest IndusInd schedule.
Insurance Coverage with Club Vistara Explorer Credit Card
Personal Air Accident Insurance
Up to ₹25,00,000Provides air accident cover for the primary cardholder when travelling on a ticket purchased using the card, as per policy terms and conditions.
Travel Insurance
Varies by benefitIncludes cover for loss or delay of checked-in baggage, loss of passport and ticket, and missed connections on eligible trips; coverage limits and claim process defined in the policy document.
Purchase Protection
Up to ₹50,000Protects select high-value purchases made using the card against theft or accidental damage for a limited period from the date of purchase, as per the insurer’s terms.
Additional Features of Club Vistara Explorer Credit Card
Contactless Payments
Tap-and-pay enabled Visa credit card for fast and secure NFC transactions.
Per-transaction limits follow RBI and IndusInd Bank guidelines for contactless payments.
24x7 Concierge Services
Access to premium concierge for travel planning, hotel and restaurant reservations and lifestyle assistance.
Fulfilment is on a best-effort basis; third-party charges, taxes and service fees are borne by the cardholder.
Auto Assist & Roadside Support
On-road assistance for flat tyres, emergency fuel, towing support and basic breakdown help in select cities.
Service availability depends on location and partner network; consumables and spares are chargeable.
Welcome Bonus with Club Vistara Explorer Credit Card
Welcome Bonus: CV Gold, business class ticket and gift vouchers worth ₹25,000.
Bonus Conditions: Welcome benefits are applicable only on successful payment of the full joining fee of ₹40,000 + taxes in the first statement cycle. Club Vistara Gold membership is complimentary for the first year only.
Application Process for Club Vistara Explorer Credit Card
Processing Time
Typically 7–15 working days after successful KYC and internal checks.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official IndusInd Bank credit card section and select the Club Vistara Explorer Credit Card (or its migrated variant if sourcing is closed).
Fill in your basic details such as mobile number, PAN and income profile to check preliminary eligibility.
Complete the detailed online application form and upload scanned copies of KYC and income documents.
Respond to any verification calls or field visits arranged by IndusInd Bank for final KYC and risk checks.
On approval, your credit limit is assigned, the joining fee is billed and the physical card is dispatched within approximately 7–10 working days.
Required Documents for Club Vistara Explorer Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof (Salaried)
salariedAccepted documents:
Income Proof (Self-Employed)
self-employedAccepted documents:
Club Vistara Explorer Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across major Indian cities at most Visa-enabled POS terminals and online merchants.
International Acceptance
Accepted globally at millions of Visa partner outlets, ATMs and e-commerce platforms.
Online Acceptance
Enabled for secure online transactions with OTP-based authentication and 3D Secure protocols.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Club Vistara Explorer Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
750+
Citizenship
Indian citizens only
Income Requirements
Salaried Applicants
₹200,000
Minimum annual income
Self-Employed Applicants
₹300,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be salaried or self-employed with a stable income profile, have a strong credit history, valid PAN and Aadhaar, and reside in IndusInd Bank serviceable locations. Approval and final credit limit are at IndusInd Bank’s sole discretion.
How Approval Is Decided
- Indian citizen aged between 18 and 65 years.
- Salaried or self-employed with a strong and stable income profile.
- Good credit history with a minimum recommended credit score of around 750.
- Residence and office located in cities serviceable by IndusInd Bank.
- Final approval based on IndusInd Bank’s internal credit and risk policies.
Pros of Club Vistara Explorer Credit Card
- Outstanding value for frequent Vistara flyers and premium domestic travellers.
- Zero forex markup makes it highly attractive for international travel and overseas shopping.
- Multiple Business Class ticket vouchers plus annual renewal ticket significantly boost reward value.
- Complimentary Club Vistara Gold tier with priority check-in, boarding and extra baggage allowance.
- Good mix of travel, dining, fuel and movie benefits for affluent urban customers.
Cons of Club Vistara Explorer Credit Card
- Very high joining fee of ₹40,000 + taxes limits affordability to high-income users.
- Benefits and CV Points ecosystem are tightly linked to Vistara, reducing appeal after the airline’s merger with Air India.
- Base reward earn rate on non-travel categories is modest for a super-premium credit card.
- Card benefits are being phased out and the product is being migrated, so long-term availability is uncertain.
Frequently Asked Questions about Club Vistara Explorer Credit Card
What are the joining and annual fees for the Club Vistara Explorer Credit Card?
The card carries a one-time joining fee of ₹40,000 + taxes and an annual fee of ₹10,000 + taxes from the second year onwards. Against this, you receive complimentary Club Vistara Gold membership, a Business Class ticket voucher and gift vouchers worth up to ₹25,000, plus an annual Business Class ticket voucher on renewal.
Is the Club Vistara Explorer Credit Card still available for new applications?
IndusInd Bank has announced that, due to the Vistara–Air India merger, the Club Vistara Explorer Credit Card benefits are applicable only till 31 March 2025. Existing cardholders are being migrated to other IndusInd Bank credit card variants, and new sourcing is limited or paused as per bank policy.
How do I earn Club Vistara Points with this credit card?
You earn CV Points on all eligible spends: 8 CV Points per ₹200 on Vistara website or app, 6 CV Points per ₹200 on travel and hotel spends, 2 CV Points per ₹200 on regular retail spends and 1 CV Point per ₹200 on utilities, insurance, government payments and fuel. CV Points are credited to your Club Vistara account in the next billing cycle.
What lounge access does the Club Vistara Explorer Credit Card provide?
You get 1 complimentary domestic lounge visit per calendar quarter using the card and complimentary Priority Pass membership for international lounges. International lounge access is typically available up to 4 complimentary visits per quarter, after which usage charges apply as per the Priority Pass and IndusInd schedule of charges.
Does the card really offer zero foreign currency markup on international spends?
Yes. One of the headline features of the Club Vistara Explorer Credit Card is 0% foreign currency markup on eligible international card transactions, making it a strong option for overseas travel and shopping. However, standard Visa exchange rates and GST, as well as any changes communicated by IndusInd Bank after the migration, will still apply.
What milestone benefits can I get on this card?
Based on your annual spends, you can earn up to 5 Vistara Business Class ticket vouchers in a year. Milestone slabs typically start at ₹3 lakh annual spends for 1 voucher and go up to ₹15 lakh annual spends for 5 vouchers, making it highly rewarding for heavy Vistara travellers.
Is there a fuel surcharge waiver on the Club Vistara Explorer Credit Card?
Yes. You get a 1% fuel surcharge waiver at fuel stations across India on eligible transactions, usually between ₹400 and ₹4,000 per transaction, subject to monthly caps and standard GST on the surcharge component.
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