Fees
Annual feeINR 3,000 + GST
Joining feeINR 3,000 + GST
Renewal feeINR 3,000 + GST
Fee waiverAnnual fee reversed on spending INR 2,00,000 in preceding year
Spend waiverSpend INR 2,00,000 in 12 months
Interest rate3.60% per month (43.2% per annum (p.a.))
Late paymentINR 100-INR 1,500 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 600 + GST
Eligibility
Min income (salaried)INR 50,000/month
Min income (self-emp.)INR 6,00,000/year
Income requirementIncome Tax Return (ITR) > INR 4 lakh/year
Credit scoreGood (700 or above (CIBIL))
Age range18-70 years
Rewards & cashback
Welcome bonus1 complimentary Premium Economy ticket on fee payment
Bonus categoriesVistara flight bookings, Airline partner spend
Travel & lounge
Domestic loungeComplimentary domestic lounge via Visa Signature network (post-Vistara-Air India merger, benefit partially affected)
International loungeNo standalone international lounge access; limited Visa Signature network access at select airports
Lounge conditionsNo specific spend condition
Travel insuranceINR 12 lakh travel cover on Vistara flights
Lifestyle
Dining benefits10% discount on Vistara partner dining
Fuel surcharge3% fuel surcharge waiver (capped INR 300/month)
ComplimentaryComplimentary Vistara lounge access
Special offers?? DEVALUED: Lost monthly milestone benefit (25,000 points), Reduced earning rates, No government spend points
AdditionalVistara exclusive offers (limited post-merger)
Credit limit & EMI
EMI optionsYes - Airline Equated Monthly Instalment (EMI)
Insurance & protection
Purchase protectionTravel protection up to INR 2 lakh
Other insuranceFlight protection, Medical emergency abroad
Coverage detailsTravel: INR 12 lakh, Medical: INR 6 lakh