{
  "id": "sbi-yatra",
  "locale": "hi",
  "name": "Yatra SBI Credit Card",
  "bank": "SBI Card",
  "cardType": "travel",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "4 घरेलू लाउंज / वर्ष (₹50k तिमाही खर्च शर्त)",
  "rewardsRate": "यात्रा, डाइनिंग व ग्रॉसरी पर 6 अंक / ₹100 · ₹8,250 वेलकम वाउचर्स · 4 लाउंज",
  "bestFor": "बजट यात्री, Yatra.com पर घरेलू फ्लाइट व होटल छूट, हॉलिडे पैकेज और लाउंज",
  "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": "₹1,00,000 वार्षिक खुदरा खर्च पर शुल्क माफ",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "स्वागत वाउचर्स",
      "value": "₹8,250 यात्रा वाउचर्स"
    },
    {
      "key": "घरेलू उड़ानें",
      "value": "यात्रा पर फ्लैट ₹1,000 छूट"
    },
    {
      "key": "घरेलू होटल्स",
      "value": "यात्रा पर फ्लैट 20% छूट"
    },
    {
      "key": "डाइनिंग व ग्रॉसरी",
      "value": "6 अंक / ₹100 (1.5%)"
    },
    {
      "key": "घरेलू लाउंज",
      "value": "4 विज़िट / वर्ष (1/तिमाही)"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹499 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Yatra.com, डाइनिंग, ग्रॉसरी, मूवीज व डिपार्टमेंटल",
      "rate": "1.5% (6 pts / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "6,000 pts (₹1,500 value)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "0.25% (1 pt / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "1,000 pts (₹250 value)"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Yatra फ्लाइट प्रोमो कोड्स",
      "multiplier": "Discount",
      "rate": "फ्लैट ₹1,000 छूट",
      "monthlyCap": "अनगिनत बुकिंग्स",
      "dailyCap": "—",
      "note": "₹5,000+ फ्लाइट पर फ्लैट ₹1,000 off."
    },
    {
      "channel": "दैनिक त्वरित श्रेणियां",
      "multiplier": "6×",
      "rate": "1.5%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "डाइनिंग व ग्रॉसरी पर प्रति ₹100 पर 6 अंक।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Yatra.com ट्रैवल वाउचर्स",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "ब्रांड वाउचर्स और मर्चेंडाइज",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99 + GST"
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खरीद (सरचार्ज माफी लागू)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹499 + GST (₹8,250 यात्रा वाउचर्स स्वागत उपहार)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹499 + GST (₹1,00,000 खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.5% प्रति माह (42.0% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 65 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹20,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹2.5 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}