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

Yatra SBI Card

यात्रा एसबीआई कार्ड

Co-branded travel card offering ₹8,250 in Yatra.com booking vouchers, 6X points on dining/groceries, and fee waiver on spending ₹1 Lakh.

Annual Fee₹499 + GST (Renewal: ₹499 + GST)

Reward Rate6 Reward Points per ₹100 spent on Departmental Stores, Grocery, Dining, Movies, Entertainment, and International spends (capped at 5,000 points per month per category). 1 Reward Point per ₹100 on other retail.

Airport LoungeNo complimentary airport lounge access.

Forex Markup3.50% + GST.

What Is This Card

Yatra SBI Card is a co-branded vacation credit card engineered for holiday travelers and domestic tourists who book flights, hotels, and holiday packages via Yatra.com. It delivers ₹8,250 in welcome vouchers for an entry-level fee of ₹499.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹499 + GST (Renewal: ₹499 + GST)

Fee Waiver: Spend ₹1,00,000 or more in the preceding membership year to get the annual renewal fee of ₹499 reversed.

🎁Welcome Benefit

Yatra.com travel vouchers worth ₹8,250 credited upon payment of joining fee (including two ₹500 domestic flight vouchers, two ₹1,000 intl flight vouchers, one ₹750 hotel voucher, and ₹1,500 holiday voucher).

⚡Reward Points Structure

6 Reward Points per ₹100 spent on Departmental Stores, Grocery, Dining, Movies, Entertainment, and International spends (capped at 5,000 points per month per category). 1 Reward Point per ₹100 on other retail.

Redemption Value: 4 Reward Points = ₹1.00 (1 Reward Point = ₹0.25). Redeemable for Yatra travel vouchers or catalog products.

🛫Airport & Railway Lounge Access

No complimentary airport lounge access.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Air Accident Liability Cover of ₹50 Lakhs for primary cardholder.

Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 at all petrol pumps in India (maximum ₹100 per billing cycle).

🎯Milestone Spends & Grace Period

Milestones: Annual fee reversal on ₹1 Lakh annual spend.

Interest-Free Period: 20 to 50 days.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

The ₹8,250 welcome vouchers cannot be redeemed in a single transaction; they are fragmented across specific booking categories (domestic flight, hotel, holiday) with minimum booking value conditions. No airport lounge access.

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 ExpiryReward points expire 24 months from accrual.

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

Eligibility Criteria

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

Age Requirement21 to 70 Years

Minimum Income₹3,00,000 per annum (Salaried) / ₹4,80,000 per annum (Self-Employed ITR)

CIBIL Score NoteRecommended CIBIL score of 700+.

SBI RelationshipNot mandatory.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit sbicard.com/apply or open the YONO SBI app and select Yatra 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 at any SBI branch through the credit desk.

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

Documents Required

1. PAN Card

2. Aadhaar Card

3. Last 3 months' salary slips or recent ITR.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Yatra 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 Yatra 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 Yatra 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. 4 Reward Points = ₹1.00 (1 Reward Point = ₹0.25). Redeemable for Yatra travel vouchers or catalog products. Please note: Reward points expire 24 months from accrual.

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

The interest-free period on Yatra 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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