{
  "id": "sbi-yatra",
  "locale": "en",
  "name": "Yatra SBI Credit Card",
  "bank": "SBI Card",
  "cardType": "travel",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "4 Domestic Lounges / year (1/qtr on ₹50k spend)",
  "rewardsRate": "6 points / ₹100 on Yatra, dining and groceries · ₹8,250 welcome vouchers · 4 lounges",
  "bestFor": "Budget travelers, domestic flight & hotel discounts on Yatra.com, holiday packages & lounges",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/travel/yatra-sbi-card.page",
  "aiVerdict": {
    "score": 3.9,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.25,
  "affiliateId": "sbi-yatra",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "SBI Card & Yatra — Credit Card schedule of charges",
    "Yatra.com & SBI Card — ₹8,250 travel voucher booklet and promo terms"
  ],
  "feeWaiver": "Waived at ₹1,00,000 annual spend",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Welcome Vouchers",
      "value": "₹8,250 Yatra Travel Vouchers"
    },
    {
      "key": "Domestic Flights",
      "value": "Flat ₹1,000 Off on Yatra"
    },
    {
      "key": "Domestic Hotels",
      "value": "Flat 20% Off on Yatra"
    },
    {
      "key": "Dining & Groceries",
      "value": "6 pts / ₹100 (1.5%)"
    },
    {
      "key": "Domestic Lounge",
      "value": "4 visits / year (1/qtr)"
    },
    {
      "key": "Annual Fee",
      "value": "₹499 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Yatra.com, Dining, Groceries, Movies & Departmental",
      "rate": "1.5% (6 pts / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "6,000 pts (₹1,500 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "0.25% (1 pt / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 pts (₹250 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Yatra Flight Promo Codes",
      "multiplier": "Discount",
      "rate": "Flat ₹1,000 Off",
      "monthlyCap": "Multiple bookings",
      "dailyCap": "—",
      "note": "Flat ₹1,000 off on ₹5,000+ flights."
    },
    {
      "channel": "Daily Accelerated Categories",
      "multiplier": "6×",
      "rate": "1.5%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "6 pts per ₹100 on dining & grocery."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Yatra.com Travel Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Brand Vouchers & Merchandise",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "₹99 + GST"
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹500–₹3,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹499 + GST (₹8,250 Yatra Travel Vouchers welcome gift)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹499 + GST (Waived at ₹1,00,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.5% / month (42.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹20,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹2.5 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}