Club Vistara SBI Credit Card – Benefits, Fees & Eligibility

Introduction

The Club Vistara SBI Card is a mid-level travel credit card designed for frequent domestic flyers. As a co-branded offering from SBI Card and Air Vistara, it comes with an annual fee of ₹1,499 plus applicable taxes. This card provides significant travel benefits, including complimentary domestic airport lounge access, a complimentary Priority Pass membership for international lounge access, and exclusive discounts on hotel bookings and car rentals. Cardholders earn Club Vistara (CV) Points on all expenditures, including fuel transactions, with a reward rate of 3 CV Points for every ₹200 spent, which can be redeemed for flight upgrades or bookings on Air Vistara and partner airlines. The card also features comprehensive insurance coverage and enhanced security features.

Welcome Benefits

• Receive 1 complimentary economy class air ticket e-voucher as a welcome gift.
• Obtain Club Vistara Base membership upon card activation.
• Earn 1,000 Bonus Club Vistara Points upon spending ₹50,000 within 90 days of card activation. These points are credited to the Club Vistara membership account within 15 working days.

Fees

• Joining Fee: ₹1,499 + GST / applicable taxes
• Annual Fee: ₹1,499 + applicable taxes
• Renewal Fee:
  • ₹1,499 + GST (per annum), if the card renewal date precedes April 1, 2025.
  • Nil (per annum) for cards due for renewal after April 1, 2025, although the associated renewal benefit will also be discontinued.
• Add-on Fee (per annum): Nil
• Spend-Based Waiver: None
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: 3.5% on the transaction amount
• Interest Rates: 3.50% per month (42% per annum)
• Fuel Surcharge: Nil
• Cash Advance Charges: 2.5% of the amount withdrawn (minimum charge of ₹500)
• All taxes will be charged as applicable on all fees, interest, and charges.

Rewards

• Reward Rate: Earn 3 Club Vistara (CV) Points for every ₹200 spent on all your expenditures.
  • Spends include all retail categories, even fuel transactions.
• Milestone Benefits:
  • Receive 1,000 Bonus Club Vistara Points upon spending ₹50,000 within 90 days of card setup.
  • Receive 1 complimentary economy class air ticket on annual spending of ₹1.5 lakhs, ₹2.5 lakhs, and ₹5 lakhs. This benefit will be discontinued for cards due for renewal after April 1, 2025.
  • Receive 1 Hotel E-Voucher from Yatra worth ₹5,000 on reaching annual spends of ₹5 lakhs. This benefit applies to cardholders whose card renewal date precedes April 1, 2025, and they will be charged the renewal fee.
• Lounge Access:
  • Domestic Airport Lounge Access: Enjoy 4 complimentary visits per year to Domestic Airport lounges, subject to a maximum of 1 visit per quarter.
    • Unutilized access will lapse at the end of the quarter and cannot be carried forward.
    • Additional visits beyond complimentary limits will be charged as per regular lounge rates.
    • Any accompanying guests (including children) will incur charges at the time of entry.
  • International Lounge Access: Enjoy complimentary Priority Pass membership worth USD 99 for 24 months from the date of issue of the Priority Pass membership.
    • A usage fee of USD 27 + applicable taxes will be charged to the Club Vistara SBI Card for each visit to a Priority Pass membership lounge.
• Insurance Benefits:
  • Air Accident Cover: Up to ₹50 lakhs.
  • Flight Cancellation Cover: Up to 4 cancellations per year, each limited to ₹3,500.
  • Lost Card Liability Cover: Up to ₹1 lakh. This cover is valid for a period of 48 hours prior to reporting the loss, to 7 days post reporting the loss.
  • Loss of Check-in Baggage Cover: Up to ₹72,000.
  • Delay of Check-in Baggage Cover: Up to ₹7,500.
  • Loss of Travel Documents Cover: Up to ₹12,500.
  • Baggage Damage Cover: Up to ₹2,500.

Rewards Redemption Guide

• Club Vistara Points are directly transferred to your Club Vistara account.
• You can redeem the accumulated CV Points on your Club Vistara Account for class upgrades, booking award flights, or reservations for seats under the Vistara Cash + Points program on Air Vistara and partner airlines.
• 1 Club Vistara Point (CV) is equivalent to ₹0.20.

Card Review

The Club Vistara SBI Card is an excellent choice for frequent domestic travelers seeking a mid-tier travel credit card. With an annual fee of ₹1,499, it offers substantial value-added travel benefits, including complimentary domestic lounge access and a complimentary Priority Pass membership, along with discounts on car rentals, hotel bookings, and vacation packages. The card's reward rate of 3 CV Points for every ₹200 spent on all retail categories, including fuel, is competitive. This card stands as a strong contender in the co-branded travel credit card segment, offering a balanced combination of rewards and travel perks. Before applying, it is advisable to compare its benefits and reward structure with other similar travel cards to ensure it aligns with individual spending habits and travel needs.

Important Product Details

• Welcome Benefits: Includes 1 complimentary economy-class air ticket e-voucher and Club Vistara Base membership.
• Bonus Points: Get 1,000 Bonus Club Vistara Points on spending ₹50,000 within 90 days of card activation.
• Reward Earning: Earn 3 Club Vistara Points for every ₹200 spent across all categories, including fuel.
• Milestone Air Tickets: Previously offered 1 complimentary economy class air ticket on annual spending of ₹1.5 lakhs, ₹2.5 lakhs, and ₹5 lakhs. This benefit will be discontinued for cards due for renewal after April 1, 2025.
• Yatra E-Voucher: Get 1 hotel e-gift voucher worth ₹5,000 from Yatra on annual expenditure of ₹5 lakhs (for cards renewing before April 1, 2025).
• Domestic Lounge Access: 4 complimentary domestic lounge accesses annually (max 1 per quarter).
• International Lounge Access: Complimentary Priority Pass membership for 24 months (usage fee of USD 27 + taxes per visit).
• Insurance Coverage: Includes Air Accident Cover up to ₹50 lakhs, Lost Card Liability Cover up to ₹1 lakh, and covers for flight cancellations (4 per year, up to ₹3,500 each), baggage loss, delay, and damage, and loss of travel documents.
• Annual Fee: ₹1,499 + applicable taxes.
• Renewal Fee: Nil for cards renewing after April 1, 2025, alongside discontinuation of the renewal benefit. ₹1,499 + GST for renewals before this date.
• Foreign Currency Markup: 3.5% on transaction amount.
• Interest Rate: 3.50% per month (42% per annum).
• No Fuel Surcharge.
• Cash Advance Charges: 2.5% of the amount withdrawn (minimum ₹500).

Other Details

• Contactless Advantage: Facilitates fast and convenient daily purchases by simply waving the card at a secure reader. Ensures security with unique key features, allowing only one transaction even if the card is waved multiple times.
• Global Acceptance: Accepted at over 24 million outlets worldwide, including 3,25,000 outlets in India.
• Air Accident & Fraud Liability Cover: Complimentary Air Accident Liability Cover of ₹50 lakhs and Fraud Liability Cover of ₹1 lakh. The fraud cover is valid for 48 hours prior to reporting loss to 7 days post reporting loss.
• Add-on Cards: Empower family members (parents, spouse, children, or siblings above 18) with add-on cards.
• Cash Access Across the World: Withdraw cash from over 1 million MasterCard or Visa ATMs globally, including 18,000 ATMs in India and over 10,000 SBI ATMs.
• Safe and Secure: Enhanced security against counterfeiting and skimming with the chip and PIN enabled card.
• Easy Bill Pay Facility: Pay electricity, telephone, mobile, and other utility bills using the Easy Bill Pay facility.
• Flexipay: Convert transactions of ₹2,500 or more into easy monthly installments by logging onto sbicard.com within 30 days of purchase.
• Balance Transfer on EMI: Transfer outstanding balances from other banks' credit cards to your Club Vistara SBI Card for a lower interest rate and pay back in EMIs. Service available on sbicard.com.
• Order of Payment Settlement: All payments are settled in a specific order, detailed on the SBI Card website.
• Cheque Payments: Cheques payable outside clearing zones are not accepted. Only local cheques or drafts payable in Delhi are accepted.
• Helpline: For assistance, call SBI Card helpline at 39 02 02 02 (prefix local STD code) or 1860 180 1290.
• Co-brand Product Information: The value proposition of this co-brand product may be funded jointly by SBI Card and Vistara, potentially involving fee and revenue sharing between the two parties.