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INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official sbicard.com (SBI Cards and Payment Services Ltd.) Most Important Terms and Conditions (MITC).
🏛️State Bank of India (SBI Card)Network: VisaTravel & Aviation CardsLast Verified: 2026-09-28

Club Vistara SBI Card

क्लब विस्तारा एसबीआई कार्ड

Affordable airline co-branded card offering complimentary domestic Economy ticket on joining and renewal, 4 domestic lounge visits, and milestone flight tickets.

Annual Fee₹1,499 + GST (Renewal: ₹1,499 + GST)
Reward Rate3 Club Vistara (CV) Points per ₹200 spent on all retail categories.
Airport Lounge4 complimentary domestic airport lounge visits per calendar year (max 1 visit per quarter).
Forex Markup3.50% + GST.
01

What Is This Card

Club Vistara SBI Card is an accessible air travel card designed for vacationers and budget domestic flyers who want annual free flight tickets and airport lounge access for an affordable ₹1,499 annual fee.

02

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹1,499 + GST (Renewal: ₹1,499 + GST)

Fee Waiver: No spend-based waiver; compensated with 1 complimentary Domestic Economy flight ticket voucher upon payment of annual fee.

🎁Welcome Benefit

1 Complimentary One-Way Domestic Economy class ticket voucher upon payment of joining fee.

⚡Reward Points Structure

3 Club Vistara (CV) Points per ₹200 spent on all retail categories.

Redemption Value: 1 CV Point = approx. ₹0.70 to ₹0.90 for award flight ticket bookings.

🛫Airport & Railway Lounge Access

4 complimentary domestic airport lounge visits per calendar year (max 1 visit per quarter).

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Air Accident Liability Cover of ₹50 Lakhs. Baggage loss cover up to ₹1,000.

Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (maximum ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Up to 3 additional complimentary Economy flight tickets on achieving annual spend milestones of ₹1.25L, ₹2.5L, and ₹5L.

Interest-Free Period: 20 to 50 days.

03

What's Missing (Eligo's Honest Disclosures)

!

Fine-Print Exclusions & Realistic Costs

Ticket voucher covers Economy class base fare only; taxes must be borne by passenger. Priority Pass international lounge membership is not included with this base variant.

Forex Markup Fee3.50% + GST.
Cash Advance Fee2.5% of transaction amount or ₹500 (whichever is higher) + 3.50% per month.
Finance Charges (Interest)Up to 3.50% per month (42.00% per annum).
Late Payment SlabsNil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.
Reward Points ExpiryCV Points valid for 36 months from the date of accrual.
Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet loads, rent, and government transactions.
04

Eligibility Criteria

Salaried and self-employed individuals aged 21 to 70 years.

Age Requirement21 to 70 Years
Minimum Income₹3,60,000 per annum (Salaried) / ₹4,80,000 per annum (Self-Employed ITR)
CIBIL Score NoteRecommended CIBIL score of 720+.
SBI RelationshipNot mandatory.
05

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit sbicard.com/apply or open the YONO SBI app and select Club Vistara SBI Card.
2Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score).
3Fill online application form with personal, residence, and occupational details (takes 5–10 minutes).
4Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof).
5Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants).
6Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.

Branch Application for Offline Applicants

Available across all SBI branches.

Visit Official Card Page (sbicard.com)Download Official MITC (PDF)
06

Documents Required

1. PAN Card
2. Aadhaar Card
3. Last 3 months' salary slips or recent ITR.
07

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Club Vistara SBI Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.. In addition, revolving finance charges at Up to 3.50% per month (42.00% per annum). will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on Club Vistara SBI Card into EMI?
Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on Club Vistara SBI Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. 1 CV Point = approx. ₹0.70 to ₹0.90 for award flight ticket bookings. Please note: CV Points valid for 36 months from the date of accrual.
What is the interest-free grace period on Club Vistara SBI Card and how does it work?
The interest-free period on Club Vistara SBI Card is 20 to 50 days.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Up to 3.50% per month (42.00% per annum).) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.
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