Club Vistara IndusInd Bank Explorer Credit Card Review

Cardholders can avail not only one, but multiple welcome benefits with this credit card. However, all these benefits will be provided only after the payment of joining fee. Here are the welcome benefits that are provided by Club Vistara IndusInd Bank Explorer Credit Card:

• Complimentary Club Vistara Gold membership for priority check-in, priority boarding, additional baggage allowance and priority baggage handling
• Complimentary Business Class ticket voucher from Vistara and
• Complimentary stay at Oberoi Hotel in the country
• Gift vouchers worth Rs. 25,000
  • Complimentary Luxe gift card
  • Discount vouchers from top brands like Charles and Keith, Louis Philippe, Hush Puppies, Pantaloons, Woodland and more

The joining fee is way too much for an airline credit card with the above benefits for a regular premium credit cardholder. Also, the complimentary Club Vistara Gold membership is offered only for the first year. So, after considering all the factors, this credit card might offer reasonable welcome benefits but also comes with a hefty joining fee. If we compare, you can avail similar benefits with Axis Vistara credit cards, that too at a lower joining fee.

Cardholders can earn up to 8X reward points on their transactions and later redeem them on the future bookings. However, you can only redeem your earned reward points on the Vistara website. Details of the reward points are as follows:

• 8 CV points for every Rs. 200 spent on the Vistara website/ app
• 6 CV points for every Rs. 200 spent on hotel, airline and travel
• 2 CV points for every Rs. 200 spent on other categories
• 1 CV point for every Rs. 200 spent on utility, insurance, government payment and fuel categories

Considering the rewards rate offered by this credit card, only Vistara users can make the most out of it. If you are not a frequent traveler or don’t make your bookings via Vistara, then you cannot avail much benefits with this credit card. The rewards rate offered on other categories is much lower than the rewards rate offered by other credit cards available in the market.

Also read: Best Credit Cards for Reward Points

Club Vistara IndusInd Bank Explorer Credit Card comes with a complimentary Priority Pass membership worth USD 99*2 = USD 198 (approx. Rs. 9,900) annually. You can access over 600 lounges across the world. Additionally, along with the membership, you can also avail 4 complimentary visits in each calendar quarter to any of the participating international lounges outside India.

This credit card offers 4 international lounge access every quarter, which is a great deal for people who frequently travel abroad. However, in the case of domestic lounges, you can avail only 1 complimentary visit in a quarter, which is much lesser than the other credit cards that offer complimentary airport lounge access.

One of the great features of this credit card is that you can earn a free Business Class ticket on every spending milestone of Rs. 3 lakh. So, in a calendar year, you can earn a maximum of 5 free Business Class tickets on achieving the spending milestone. Below mentioned are the spending milestone benefits of this credit card:

Cardholders, who frequently travel via Vistara, can easily achieve the spending milestone of Rs. 3 lakh in a calendar year, which sums up to approximately Rs. 25,000 per month. However, even after achieving the spending milestone, you cannot avail this credit card for free like other credit cards. Generally, credit cards provide the facility of an annual fee waiver on achieving the spending milestone, which is not the case with Club Vistara IndusInd Bank Explorer Credit Card. You can earn free Business Class tickets, which is beneficial only for people who frequently travel through Vistara.

Apart from the travel benefits, this credit card also offers benefits on your bookings through BookMyShow. Below mentioned are the details regarding the same:

• 20% off on booking event or theatre tickets through BookMyShow
• Buy 1 and get 1 movie ticket free on bookings via BookMyShow*
• Additional Rs. 100 off on selecting the F&B option

*The maximum discount of free ticket is capped at Rs. 700. You can avail up to 2 free tickets in a month.

The entertainment benefits provided on this credit card are satisfactory if you are not looking for an entertainment credit card. There are other credit cards available in the market, that offer much better entertainment benefits to their users.

Suggested read: Best Entertainment Credit Cards in India

Apart from the exclusive benefits, you can also avail general benefits, such as fuel surcharge waiver, concierge service and more with this credit card. Here are some of the additional benefits provided on this credit card:

• Dining discount at top restaurants with IndusInd Eazydiner dining voucher
• 24×7 concierge service for pre-trip assistance, hotel reservation, flight booking and more
• 1% fuel surcharge waiver across all fuel stations in India on transactions between Rs. 400 to Rs. 4,000
• No foreign currency mark-up fee
• No late payment and over-limit fee
• No cash advancement and withdrawal charges
• Auto assist for roadside repair service, flat tyre service, lost keys, emergency fuel supply, battery service and more

If you are looking for other cards that offer similar benefits, then you can refer to the credit cards mentioned in the table below:

Club Vistara IndusInd Bank Explorer Credit Card is well-suited for people who frequently travel, especially through Vistara. You can earn reward points on your transactions and later redeem them on your future bookings through Vistara. However, this can be a drawback, as you can only redeem your reward points on Vistara. Additionally, this credit card comes with a complimentary Priority Pass membership that provides 4 complimentary visits to international lounges, which is a great deal for people who frequently travel abroad.

One of the great features is that it does not charge any foreign mark-up fee, which will entice a lot of people who like to travel outside the country. Apart from the travel benefits, you can also earn basic benefits on the entertainment, dining and shopping categories. However, such benefits are much lesser than the other credit cards available in the market that are designed for a specific category. Even after all the benefits provided by this credit card, the joining fee is way too much. Overall, this is a good credit card for frequent travelers and for people who are ready to pay a high joining fee.

If you are a frequent traveler, you can also look for other travel credit cards available in the market.

No doubt, Club Vistara IndusInd Bank Explorer Credit Card provides premium benefits to its users. However, there are certain things which you should keep in mind before applying for this credit card:

• The joining fee is high as compared to the benefits provided on this credit card
• This credit card charges an annual fee even if you don’t use it
• Redemption of earned reward points can be done only on Vistara bookings
• No annual fee waiver on achieving spending milestone
• 8X reward points only on Vistara bookings
• Rewards rate for utility, insurance, government payment and fuel categories is low

Club Vistara IndusInd Bank Explorer Credit Card offers great benefits to the loyal customers of Vistara. This credit card is designed for people who want to avail premium travel benefits and can pay the high joining fee. Apart from the travel, you can also earn basic benefits on entertainment, dining and shopping categories. However, this credit card is not suitable if you are not a frequent traveler or a Vistara Loyalist.