IDFC FIRST Vistara Credit Card Review | IDFC First Bank Launched Vistara Co-Branded Credit Card

[Wealth is my birth right!]

Are you referring to the Virtual Rupay card? I already hold that floater card since last year. I have Classic also.

I thought this UPI on Vistara is something new concept.

No its same like for wealth card we have rupay virtual tight
Advantage with vistara rupay is that when u scan Qr with that u get Club Vistara points for the spending

 

[Card_Crafter]

No its same like for wealth card we have rupay virtual tight
Advantage with vistara rupay is that when u scan Qr with that u get Club Vistara points for the spending

Interesting. So we can take multiple virtual rupay card if we have multiple Primary cards? What's the reward rate for this one? Is it same as Vistara primary?

 

[Wealth is my birth right!]

Interesting. So we can take multiple virtual rupay card if we have multiple Primary cards? What's the reward rate for this one? Is it same as Vistara primary?

Yes same rewards rate and same mcc exclusivity applies
Multiple things each cost 199 plus gst every year

 

[Card_Crafter]

Yes same rewards rate and same mcc exclusivity applies
Multiple things each cost 199 plus gst every year

Thanks for the information. Appreciate it. 😊

 

[BVCBVC is verified member.]

Interesting. So we can take multiple virtual rupay card if we have multiple Primary cards? What's the reward rate for this one? Is it same as Vistara primary?

Yes, but just be ware of the Vistara being merged with Air India and migration process.

 

[Card_Crafter]

Yes, but just be ware of the Vistara being merged with Air India and migration process.

I am not considering this, just wanted to know the process.

I already have 6 Rupay cards and another one will be delivered in a day or two.

 

[BVCBVC is verified member.]

I am not considering this, just wanted to know the process.

I already have 6 Rupay cards and another one will be delivered in a day or two.

You’re a Rupay buff then. I started closing my Rupay cards due to acceptance of UPI CC payments.

 

[Card_Crafter]

You’re a Rupay buff then. I started closing my Rupay cards due to acceptance of UPI CC payments.

In my locality there is almost 90% acceptance rate.

Also I have a Paytm Merchant account in my family, becomes handy for easy fund transfer of small amounts.

Here is another interesting offer btw - https://www.technofino.in/community...-₹20-000-or-more-via-upi-user-specific.29107/

 

[Card_Crafter]

Yes same rewards rate and same mcc exclusivity applies
Multiple things each cost 199 plus gst every year

It seems the reward rate is not same. It's 1 CV point per ₹200 spend on all transactions, whereas with Vistara card we can get 6 CV points on ₹200 spends.

Can't take a screenshot, reward structure is mentioned in Card Privileges section.

 

[Wealth is my birth right!]

It seems the reward rate is not same. It's 1 CV point per ₹200 spend on all transactions, whereas with Vistara card we can get 6 CV points on ₹200 spends.

Can't take a screenshot, reward structure is mentioned in Card Privileges section.

Better to load payzapp or mobiqwik and pay from there we get more i guess
I didnt opt for this 199 /- from idfc
I hold Club Vistara and wealth cards with 495000 shared limit from them
I don’t want to give them business since they denied to give me LE after 2 yrs too

 

[Nishan11]

Better to load payzapp or mobiqwik and pay from there we get more i guess
I didnt opt for this 199 /- from idfc
I hold Club Vistara and wealth cards with 495000 shared limit from them
I don’t want to give them business since they denied to give me LE after 2 yrs too

Even with income documents they refused LE ? That's insane.

 

[Wealth is my birth right!]

Even with income documents they refused LE ? That's insane.

Yes twitter I contacted then they call back i gave last 3 months statement and payslip
After 5 days once month end is over they asked for fresh payslip of recent month and bank statement to prove it which i sent
But closed sr without any LE just got mail that as per the bank policy no LE possible right now

 

[helloworld]

Better to load payzapp or mobiqwik and pay from there we get more i guess
I didnt opt for this 199 /- from idfc
I hold Club Vistara and wealth cards with 495000 shared limit from them
I don’t want to give them business since they denied to give me LE after 2 yrs too

Just checking

- 2 separate accounts in CBIL?
- Also, this 0 fee cash withdrawl applicable on ClubVistara (didn't find any info on website like wealth)?
- UPI option exist for Vistara card too? same account or another account in CBIL?

TIA

 

[Wealth is my birth right!]

Just checking

- 2 separate accounts in CBIL?
- Also, this 0 fee cash withdrawl applicable on ClubVistara (didn't find any info on website like wealth)?
- UPI option exist for Vistara card too? same account or another account in CBIL?

TIA

1.My Club Vistara is new but hopefully single entry since shared limi
2.only on wealth
3.yes when opting for upi card u will see both cards in dropdown u select vistara
Welcome

 

[BVCBVC is verified member.]

In my locality there is almost 90% acceptance rate.

Also I have a Paytm Merchant account in my family, becomes handy for easy fund transfer of small amounts.

Here is another interesting offer btw - https://www.technofino.in/community/threads/idfc-credit-card-flat-₹1-000-cashback-on-spends-of-₹20-000-or-more-via-upi-user-specific.29107/

Lucky to have 90% acceptance. I have 10% acceptance only. I have closed around 5 Rupay cards for the reason only.

 

[Card_Crafter]

Lucky to have 90% acceptance. I have 10% acceptance only. I have closed around 5 Rupay cards for the reason only.

10% is very poor. I would be mad if 9 out of 10 merchants don't accept UPI CC.
Is it a Metro city or some tier II/tier III city?

 

[BVCBVC is verified member.]

10% is very poor. I would be mad if 9 out of 10 merchants don't accept UPI CC.
Is it a Metro city or some tier II/tier III city?

I am in Tier - 2 city and travel to Chennai/Hyd very often.

 

[card_007]

Is it required to spend 30k for 2nd, 3rd, 4th billing cycles to get 6K CV points OR do we get those even if we spend only in 1 or 2 months out of 3 billing cycles?

 

[BVCBVC is verified member.]

Is it required to spend 30k for 2nd, 3rd, 4th billing cycles to get 6K CV points OR do we get those even if we spend only in 1 or 2 months out of 3 billing cycles?

Every month is separate

 

[Gkcards]

Is it required to spend 30k for 2nd, 3rd, 4th billing cycles to get 6K CV points OR do we get those even if we spend only in 1 or 2 months out of 3 billing cycles?

All 3 months