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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | (-16.0%)^ | (-7.3%)^ | (-3.0%)^ | 1.3% | 2.2% |
| Est. Monthly Reward (₹) | (800) | (735) | (610) | 625 | 2,155 |
| All-India Rewards Rank* | 368 | 367 | 367 | 81 | 16 |
| Within Bank Rank* | 20 | 20 | 20 | 1 | 1 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.
^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee. |
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The Club Vistara IndusInd Bank Explorer Credit Card offers effective rewards of 3.60% for Vistara flight bookings, 2.70% for other travel bookings, 0.45% for utility bills and 0.9% for everything else.
It is the best credit card from IndusInd Bank for most high spenders and offers a net reward yield of 2.2% for those spending more than ₹1 lacs on the card in a month.
The Explorer comes with a zero forex markup. This represents a substantial saving if you travel overseas or shop on foreign websites frequently. The typical credit card charges a forex markup of 2.0-3.5%.
You can also receive up to 4 Business Class tickets with this credit card in year, one each when your annual spending crosses ₹3 lacs, ₹6 lacs, ₹9 lacs and ₹12 lacs.
We have valued these tickets at ₹5,000 each in calculating the net reward yield of 2.2% for high spenders. However these may be worth more or less to you depending on your travel preferences and that could have a big impact the net reward yield you receive with this card.
The Club Vistara Explorer has a non-waivable annual fee of ₹10,000. We have reduced this amount from our rewards calculation and despite that it is the highest yielding card for those spending above ₹1 lacs in a month.
This card also has a joining fee of ₹40,000. We did not include this in our calculations because this is a one off and also because card providers typically offer gifts and incentives in return for joining fee that usually offset this fees.
If you are considering this card, you should carefully evaluate whether the gifts you are getting are in fact worth ₹40,000 to you. If not, you may want to consider another credit card.
The Legend Credit Card is the best credit card from IndusInd Bank for customers who charge less than ₹1 lacs a month to their cards.
We estimate it offers a net reward yield of 1.0% on all your spending.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | Club Vistara Explorer Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 8 Club Vistara Points / ₹200 on Vistara website & app
6 Club Vistara Points / ₹200 on travel 2 Club Vistara Points / ₹200 on all other spends 1 Club Vistara Points / ₹200 on: |
| Milestone Rewards | – 4 Complimentary Business Class ticket voucher on spending ₹3-12 Lacs in a year |
| Other Rewards | – 20% on retail rates on Airport Fast Track Immigration service
– 20% off on BookMyShow on Events and Theatre bookings – Complimentary Priority Pass Membership – 1 Complimentary Domestic Airport Lounge Visits / Qtr |
| Rewards Redemption Fee | Nil |
| Reward Caps | Unlimited |
| Preferred Redemption Method | Flight Booking on Vistara Website @ ₹0.90/CV Point |
| Card | Club Vistara Explorer Credit Card | |
|---|---|---|
| Joining Fee | ₹40,000 + Taxes | |
| Annual Fee | ₹10,000 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
Nil | |
| Income Criteria | Salaried | N/A |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 34.20% | |
| Foreign Currency Markup | Nil | |
| Cash Advance Charge | Nil | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
