SwipeYield Review
A premium travel card maximizing airline rewards and lifestyle comfort for frequent flyers.
TravelAir MilesPremium
Club Vistara IDFC FIRST Credit Card
By IDFC FIRST Bank
4.4SwipeYield Rating
Joining Fee₹4,999 + GST
Annual Fee₹4,999 + GST
Fee Waiver:
N/A (Annual fee offset by premium economy ticket voucher)
🎁
Reward TypeMiles
🌐
NetworkVisa
Rewards
Base
1 Point per ₹200 on fuel/utility; 2 Points per ₹200 on basic spends
Accelerated
6 Points per ₹200 up to ₹1L/month; 10 Points on birthdays; Up to 5 free flight vouchers
Lounge Access
2 domestic and 1 international lounge/spa per quarter on spending ₹20,000 in the previous month
Pros
- Up to 5 free tickets per year
- Elite Silver status
- Comprehensive golf benefits
Cons
- High annual fee
- Rewards devalued on utilities/fuel
- Spend-based lounge activation
Eligibility
- High income (approx ₹1.5L+ monthly)
- Age 21-65