Club Vistara SBI Card PRIME – Benefits, Fees & Eligibility

Introduction

The Club Vistara SBI Card PRIME is a co-branded travel credit card launched by SBI and Air Vistara, designed to offer significant travel benefits through Club Vistara (CV) points. This MasterCard credit card allows cardholders to earn 4 CV Points for every Rs. 200 spent, inclusive of fuel transactions. Cardholders receive a complimentary Premium Economy class ticket as a welcome gift upon annual/renewal fee payment. Additionally, the card provides comprehensive air travel insurance, covering air accidents, lost/delayed/damaged baggage, and lost card liability, making it a robust option for frequent travelers, particularly domestic fliers.

Welcome Benefits

• Receive 1 complimentary Premium Economy Class ticket as an e-gift voucher upon payment of the annual/renewal fee.
• The e-gift voucher is sent via email within 15 working days from the payment of the annual fee.
• Important Update: The renewal benefit of 1 Premium Economy Ticket Voucher will be discontinued for all cards due for renewal after April 1, 2025. For such cards, no renewal fee will be charged.
• Cardholders whose card renewal date precedes April 1, 2025, will still be eligible to avail the renewal benefits, and the fee will be charged for such cards.

Fees

• Annual Fee: Rs. 2,999 + applicable taxes.
• Renewal Fee (per annum): Nil.
  • Note: As mentioned under Welcome Benefits, the renewal benefit will be discontinued for cards due for renewal after April 1, 2025, and no renewal fee will be charged for those cards. For cards due for renewal before April 1, 2025, renewal benefits can still be availed, and the fee will be charged.
• Add-on Fee (per annum): Nil.
• Spend-Based Waiver: None.
• Rewards Redemption Fee: Nil.
• Foreign Currency Markup: 3.5% + applicable taxes.
• Interest Rates: 3.5% per month (42% per annum).
• Fuel Surcharge: 1% fuel surcharge applicable, subject to a minimum amount of Rs. 10.
• Cash Advance Charges: 2.5% of the withdrawn amount, subject to a minimum charge of Rs. 500.
• All taxes would be charged as applicable on all the above fees, interest, and charges.

Rewards

General Rewards

• Earn 4 Club Vistara (CV) Points for every Rs. 200 spent on all retail categories, including fuel.

Travel Benefits

• Milestone Flight Tickets: Earn 1 Premium Economy Class ticket each on annual spends of Rs. 1.5 lakhs, Rs. 3 lakhs, Rs. 4.5 lakhs, and Rs. 8 lakhs.
  • Important Update: This milestone benefit will be discontinued for all cards due for renewal after April 1, 2025. For such cards, no renewal fee will be charged. Cardholders whose card renewal date precedes April 1, 2025, will still be eligible to avail these milestone benefits, and the fee will be charged for such cards.
• Milestone Hotel Voucher: Get 1 Hotel E-Voucher from Yatra worth Rs. 10,000 on reaching annual spends of Rs. 8 lakhs.
• Bonus CV Points: Receive 3,000 bonus CV points on spending Rs. 75,000 within the first 90 days of card issuance. These points are credited to the Club Vistara account within 15 working days of reaching the spends threshold.
• Complimentary domestic and international airport lounge visits.
• Up to 10% discount on Hertz Rental.
• 5% discount on Rentalcars.com.
• Up to 33% discount on hotels and resorts.
• Up to 50% discount on destination programs in Japan, Singapore, Macau, and Korea.

Domestic Lounge Access

• Enjoy 8 complimentary visits per year to Domestic Airport lounges, with a maximum of 2 visits per quarter.
• Unutilized access will lapse at the end of the quarter and cannot be carried to the next quarter.
• In case a Cardholder accesses the airport lounge beyond complimentary visits, they will be charged as per the regular access rates prescribed by the lounge.
• Any accompanying guests (including children) with the Cardholder will be subject to a charge which will be made at the time of entry to the Cardholder.

International Lounge Access

• Enjoy complimentary membership to the Priority Pass Program, valued at $99.
• Receive 4 complimentary visits per calendar year to International Priority Pass Lounges outside India, with a maximum of 2 visits per quarter.
• Only Primary Cardholders are eligible for Priority Pass, and complimentary membership will be valid for 2 years only.
• Beyond the complimentary quota, international lounge visits are chargeable at $27 per guest for every visit.

Insurance

• Flight Ticket Cancellation: Coverage for up to 6 cancellations per year, each limited to Rs. 3,500.
• Air Accident Cover: Up to Rs. 1 Crore.
• Lost Card Liability: Up to Rs. 1 Lakh. This cover is valid for a period of 48 hours prior to reporting the loss, up to 7 days post reporting the loss.
• Loss of Check-in Baggage: Up to Rs. 72,000.
• Delay of Check-in Baggage: Rs. 7,500.
• Baggage Damage: Up to Rs. 5,000.
• Loss of Travel Documents: Up to Rs. 12,500.

Other Features

• Contactless Advantage:
  • Daily purchases are made easy by simply waving your card at a secure reader to transact.
  • Offers fast and convenient transactions, eliminating the need to hand over your card or search for cash/coins for small everyday purchases.
  • Enhanced Security: The card never leaves your hand during a Contactless transaction, significantly reducing the risk of card loss and fraud due to skimming (counterfeit). The unique security key feature of Mastercard payWave or Visa payWave ensures that only one transaction goes through, even if the card is waved multiple times at the reader.
• Global Acceptance: Your Club Vistara SBI Card is accepted at over 24 million outlets across the globe, including 325,000 outlets in India.
• Add-on Cards: You can empower your family members (parents, spouse, children, or siblings above the age of 18) with add-on cards, which are issued as lifetime free.
• Cash Access Across the World: You can withdraw cash from over 1 million MasterCard or Visa ATMs, including 18,000 ATMs in India and over 10,000 SBI ATMs across 100+ cities in India.
• Safe and Secure: Get enhanced security against counterfeiting and skimming with the chip and PIN enabled Club Vistara SBI Card PRIME.
• Easy Bill Pay Facility: Pay your electricity, telephone, mobile, and other utility bills using this facility.
• Flexipay: Convert your transactions of Rs. 2,500 or more into easy monthly installments (EMIs) by logging onto sbicard.com within 30 days of purchase.
• Balance Transfer on EMI: Save money while paying your credit card dues by transferring the outstanding balance of other banks’ credit cards to your Club Vistara SBI Card to avail a lower rate of interest and pay back in EMIs. This service can be availed by logging onto sbicard.com.

Rewards Redemption Guide

• Club Vistara (CV) Points can be utilized from your CV Account to redeem on Air Vistara and Partner Airlines.
• Redemption options include booking award flights, class upgrades, or for seat reservations under the Vistara Cash + Points program.
• 1 Club Vistara (CV) Point is equivalent to Rs. 0.20.
• Club Vistara (CV) points are like AirMiles and can be redeemed on Vistara's redemption portal for travel-related expenses such as hotel/flight bookings and lounge access.
• The Club Vistara points have a validity period of 36 months (3 years) from the date of flight.
• Complimentary tickets received as a milestone benefit are valid for travel within 3 months from the date of issuance and will not be extended. The voucher(s) will be automatically issued to the cardholder if they do not self-issue the voucher within 6 months from the date of credit.

Card Eligibility Criteria

Eligibility Rules

• The applicant’s age should be a minimum of 18 years.
• The applicant should either be self-employed or salaried and have a stable income.
• The applicant should maintain a decent credit history.

Documents Required

• Identity Proof: PAN Card, Passport, Voter’s ID, Aadhaar Card, Driving License, etc.
• Address Proof: Latest months’ utility bills, Passport, Aadhaar Card, any other government-approved address proof.
• Proof of Income: Latest months’ salary slips/bank statements, or latest audited ITR.

Card Review

The Club Vistara SBI Card PRIME stands out as one of the best credit cards in the Indian market within the travel category, particularly beneficial for domestic fliers due to Vistara's predominant domestic network. The card offers substantial value, including complimentary Premium Economy tickets as both a welcome gift and milestone rewards based on spending. Its comprehensive Club Vistara points system allows for flexible redemption towards various travel-related expenses such as flights, hotel bookings, and lounge access. Coupled with extensive insurance coverage for air travel, this card provides a strong value proposition for individuals who frequently travel with Vistara.

Important Product Details

• Earn 4 Club Vistara (CV) Points for every Rs. 200 spent on all retail categories, including fuel.
• Get 1 complimentary Premium Economy Class ticket as an e-gift voucher upon payment of the annual/renewal fee.
• Earn 3,000 bonus CV points on spending Rs. 75,000 within the first 90 days of card issuance.
• Milestone benefits include additional Premium Economy Class tickets on annual expenditures of Rs. 1.5 lakhs, Rs. 3 lakhs, Rs. 4.5 lakhs, and Rs. 8 lakhs.
• Receive 1 Hotel E-Voucher from Yatra worth Rs. 10,000 on reaching annual spends of Rs. 8 lakhs.
• Enjoy 8 complimentary visits per year to Domestic Airport lounges (max 2 per quarter).
• Receive complimentary Priority Pass membership (worth $99) with 4 complimentary international lounge visits per year (max 2 per quarter).
• Comprehensive insurance coverage includes:
  • Up to 6 air ticket cancellations per year, each limited to Rs. 3,500.
  • Air accident cover up to Rs. 1 Crore.
  • Lost card liability cover up to Rs. 1 Lakh.
  • Insurance for loss of check-in baggage (up to Rs. 72,000), delay of check-in baggage (Rs. 7,500), baggage damage (Rs. 5,000), and loss of travel documents (Rs. 12,500).
• The card offers contactless payment functionality and global acceptance.
• Add-on cards for family members (above 18 years of age) are available lifetime free.
• Access facilities like Flexipay (convert transactions of Rs. 2,500+ into EMIs) and Balance Transfer on EMI.
• Key Condition: The renewal benefit of 1 Premium Economy Ticket Voucher and the milestone flight tickets will be discontinued for all cards due for renewal after April 1, 2025. For such cards, no renewal fee will be charged.
• Unutilized domestic lounge access expires at the end of each quarter and cannot be carried forward.
• Priority Pass membership for international lounges is valid only for primary cardholders and for a period of 2 years.
• Complimentary tickets received as a milestone benefit have a validity of 3 months for travel from the date of issuance.

Other Details

• Payment Acceptance: Cheques payable outside clearing zones are not accepted. Payments are accepted through local cheques or drafts payable in Delhi only.
• Co-brand Product Funding: The value proposition of this co-brand product may be jointly funded by SBI Card and its co-brand partner, based on their financial arrangements, which may include fee and revenue sharing.
• Terms and Conditions: Continued use of the card will be deemed acceptance of any amendments to the terms and conditions.
• Customer Support:
  • To report a lost SBI credit card, send an SMS with "BLOCK" to 5676791.
  • For general assistance, you can call the SBI Card helpline at 1860 180 1290 or 39 02 02 02 (prefix your local STD code).
  • Information regarding the order of payment settlement for cardholder accounts is available online.
• SBI Card Address: SBI Cards and Payment Services Limited, Unit 401 & 402, 04th Floor, Aggarwal Millennium Tower, E-1,2,3 Netaji Subhash Place, Wazirpur, New Delhi 110034. CIN: L65999DL1998PLC093849.
• Application Process:
  • Online: Apply by clicking on "Apply Now", filling in required details, and uploading necessary KYC documents.
  • Offline: Dial SBI's helpline at 39020202 (prefix STD code) or visit the nearest SBI branch to submit an application.