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 PRIME

क्लब विस्तारा एसबीआई कार्ड प्राइम

Co-branded aviation credit card offering free domestic Premium Economy ticket on joining and renewal, Club Vistara Silver tier, and up to 4 milestone flight tickets.

Annual Fee₹2,999 + GST (Renewal: ₹2,999 + GST)

Reward Rate4 Club Vistara (CV) Points per ₹200 spent on all eligible retail categories. Accelerated CV points on direct airline bookings.

Airport Lounge8 complimentary domestic airport lounge visits per calendar year (max 2 visits per quarter). 4 complimentary international airport lounge visits per year via Priority Pass.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

Club Vistara SBI Card PRIME is a dedicated aviation co-branded credit card created for business travelers and frequent domestic flyers. In the wake of the Air India-Vistara merger under the Tata Group, CV Points and ticket vouchers seamlessly transfer into the integrated Maharaja Points ecosystem, delivering complimentary flight tickets and lounge access.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹2,999 + GST (Renewal: ₹2,999 + GST)

Fee Waiver: Spend-based fee waiver not applicable; compensated via annual renewal complimentary Domestic Premium Economy flight ticket voucher.

🎁Welcome Benefit

1 Complimentary One-Way Domestic Premium Economy flight ticket voucher upon payment of joining fee + 1 Complimentary Club Vistara Silver Tier Membership.

⚡Reward Points Structure

4 Club Vistara (CV) Points per ₹200 spent on all eligible retail categories. Accelerated CV points on direct airline bookings.

Redemption Value: 1 CV Point = approx. ₹0.70 to ₹1.00 when redeemed for Vistara / Air India flight ticket awards.

🛫Airport & Railway Lounge Access

8 complimentary domestic airport lounge visits per calendar year (max 2 visits per quarter). 4 complimentary international airport lounge visits per year via Priority Pass.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Air Accident Liability Cover of up to ₹1 Crore. Baggage damage cover up to ₹2,500.

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

🎯Milestone Spends & Grace Period

Milestones: Up to 4 additional complimentary Premium Economy flight tickets on achieving annual spend milestones of ₹1.5L, ₹3L, ₹4.5L, and ₹8L. 1 Hotel e-voucher worth ₹10,000 from Yatra on reaching ₹8L annual spend.

Interest-Free Period: 20 to 50 days.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Complimentary flight ticket vouchers cover only base fare; passenger must pay statutory airport taxes, UDF, and fuel surcharges. Flight ticket availability is subject to airline award inventory controls. Annual fee is not waivable through spends.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of transaction amount or ₹500 (whichever is higher) + 3.50% per month interest.

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 are valid for 36 months from the date of activity/credit.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet loads, rent payments, and government services.

Eligibility Criteria

Salaried corporate professionals and self-employed flyers aged 21 to 70 years.

Age Requirement21 to 70 Years

Minimum Income₹6,00,000 per annum (Salaried) / ₹8,00,000 per annum (Self-Employed ITR)

CIBIL Score NoteRecommended CIBIL score of 740+.

SBI RelationshipNot mandatory.

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 PRIME.

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 at any SBI branch through the retail credit desk.

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

Documents Required

1. PAN Card

2. Aadhaar Card / Passport

3. Last 3 months' salary slips with bank statement OR Latest ITR.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Club Vistara SBI Card PRIME?

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 PRIME 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 PRIME?

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 ₹1.00 when redeemed for Vistara / Air India flight ticket awards. Please note: CV Points are valid for 36 months from the date of activity/credit.

What is the interest-free grace period on Club Vistara SBI Card PRIME and how does it work?

The interest-free period on Club Vistara SBI Card PRIME 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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