{
  "id": "sbi-club-vistara",
  "locale": "hinglish",
  "name": "Club Vistara SBI Card",
  "bank": "SBI Card",
  "cardType": "travel",
  "cardTier": "entry",
  "annualFee": "₹1,499 + GST",
  "loungeAccess": "4 Domestic Lounges / year (1/qtr on ₹50k spend)",
  "rewardsRate": "3 CV points / ₹100 · 4 tak free economy tickets · 4 domestic lounges",
  "bestFor": "Frequent flyers, free domestic Economy flight tickets, holiday travel & airport lounges",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/club-vistara-sbi-card.html",
  "aiVerdict": {
    "score": 4.4,
    "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": 3,
  "affiliateId": "sbi-club-vistara",
  "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 & Club Vistara — Credit Card schedule of charges",
    "Air India & Vistara — Economy flight vouchers and Club Vistara terms"
  ],
  "feeWaiver": "Koi fee waiver nahi (annual renewal par 1 free economy flight ticket)",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Welcome Flight",
      "value": "1 Free Economy Ticket"
    },
    {
      "key": "Milestone Flights",
      "value": "Up to 3 Addl Economy Tickets"
    },
    {
      "key": "General Spends",
      "value": "3 CV Points / ₹100 (3.0%)"
    },
    {
      "key": "Domestic Lounge",
      "value": "4 visits / year (1/qtr)"
    },
    {
      "key": "Annual Fee",
      "value": "₹1,499 + GST"
    },
    {
      "key": "Income Criteria",
      "value": "₹25,000 / month"
    }
  ],
  "earnRates": [
    {
      "category": "All Eligible Retail Spends",
      "rate": "3.0% (3 CV Pts / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,000 CV Points (₹1,500–₹3,000 flight value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 CV Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Welcome / Renewal Voucher",
      "multiplier": "Voucher",
      "rate": "1 Free Economy Ticket",
      "monthlyCap": "Annual perk",
      "dailyCap": "—",
      "note": "On paying joining/renewal fee."
    },
    {
      "channel": "Spend Milestones (₹1.25L / ₹2.5L / ₹5L)",
      "multiplier": "Milestone",
      "rate": "1 Economy Ticket per tier",
      "monthlyCap": "Up to 3 tickets / year",
      "dailyCap": "—",
      "note": "3 additional flight tickets."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Domestic Economy Ticket Vouchers",
      "value": "₹4,500–₹7,500 / Ticket",
      "minPoints": "1 Voucher",
      "ceiling": "4 Vouchers / year",
      "fee": "Taxes only",
      "isBest": true
    },
    {
      "route": "Award Flight Bookings via CV Points",
      "value": "₹0.50–₹1.00 / CV Point",
      "minPoints": "2,000 CV pts",
      "ceiling": "None",
      "fee": "Taxes only",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel transactions (1% surcharge waiver on ₹500–₹3,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹1,499 + GST (1 Free Economy Ticket welcome gift)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹1,499 + GST (1 Free Economy Ticket on renewal)"
    },
    {
      "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": "₹25,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹3.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}