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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | (-1.3%)^ | 1.3% | 2.0% | 1.8% | 1.6% |
| Est. Monthly Reward (₹) | (65) | 130 | 395 | 920 | 1,600 |
| All-India Rewards Rank* | 242 | 25 | 11 | 27 | 46 |
| Within Bank Rank* | 31 | 2 | 2 | 14 | 18 |
| * 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 SBI Card offers effective rewards of 1.4% on all transactions. You also receive up to 3 complimentary Vistara economy ticket when you spend between ₹1.5-5 lacs on your card in a year.
Overall, including the value of these tickets, we estimate you can earn a net reward yield of 1.3-2% with this card when you spend more than ₹10,000 a month. Regular Vistara customers may achieve an even higher net rewards yield, if they can fully utilize the tickets.
The CASHBACK SBI Card is the best credit card for most SBI Card customers. We estimate it offers an average net reward yield of 1.9-2.3% on all your spend.
The SBI Unnati Credit Card is the best entry level card from SBI Card, if you spend less than ₹10,000 a month. It offers a net reward yield of 0.3-1.1% 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 SBI Card |
|---|---|
| Card Type | Reward |
| Reward Features | 3 CV Points / ₹200 on all your spends |
| Milestone Rewards | – 3 Complimentary Economy ticket on annual spends of ₹1.5 – 5 Lacs
– 1 Hotel E-Voucher from Yatra worth ₹5,000 on reaching annual spends of ₹5 Lacs |
| Other Rewards | – Complimentary Priority Pass Membership
– 1 Complimentary Domestic Airport Lounge Visits / Qtr. |
| Rewards Redemption Fee | Nil |
| Reward Caps | Unlimited |
| Preferred Redemption Method | Flight Booking and upgrades on Vistara Website ₹0.90 / CV point |
| Card | Club Vistara SBI Card | |
|---|---|---|
| Joining Fee | ₹1,499 + Taxes | |
| Annual Fee | ₹1,499 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
N/A | |
| Income Criteria | Salaried | N/A |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 42.00% | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
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.
