The verdict
Frequent flyers ke liye high-value starter flight card. Complimentary Economy flight ticket voucher ki market value ₹4,500 se ₹7,500 hoti hai, jo pehli hi flight pe ₹1,499 annual fee ke against instant 3× se 5× return deliver karta hai.
Saal ka ₹5 Lakhs spend karne pe teeno milestone Economy tickets unlock hote hain (total 4 tickets worth ₹24,000) + 15,000 CV points (~₹7,500 value) + ₹1,000 hotel voucher + 4 domestic lounges (~₹4,000), generating over ₹36,000 in travel perks against ₹1,499 fee (24× ROI).
Agar aap Premium Economy ya Business Class cabin prefer karte hain, toh Prime ya Infinite variants significantly better flying experience offer karte hain.
✓What works
- +Joining aur annual renewal fee pay karne pe 1 complimentary domestic Economy flight ticket voucher.
- +Spend milestones (₹1.25L, ₹2.5L, aur ₹5L) pe 3 additional complimentary Economy ticket vouchers.
- +Sabhi eligible retail spends pe 3 Club Vistara (CV) Points per ₹100 (3.0% base return).
- +Saal mein 4 complimentary domestic airport lounges (1 per quarter).
- +₹5 Lakhs annual spend reach karne pe ₹1,000 ka Yatra hotel voucher.
- +₹1,499 annual fee welcome flight ticket se pehli hi bar mein 100% recover ho jaati hai.
✕What doesn't
- −Annual fee of ₹1,499 + GST with zero spend-based fee waiver.
- −Ticket vouchers booking pe government taxes (~₹800–₹1,200/ticket) pay karne hote hain.
- −Airport lounge access ke liye preceding quarter mein ₹50,000 spend mandatory.
What it earns
1 CV Point = ₹0.50 to ₹1.00 jab aap award flights book karte hain.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| All Eligible Retail Spends | 3.0% (3 CV Pts / ₹100) | Uncapped | 3,000 CV Points (₹1,500–₹3,000 flight value) |
| Fuel & Rent | 0% | Excluded | 0 CV Points |
Accelerated earn
Up to 4 Free Economy Tickets & 4 Domestic Lounges
Spend milestones pe full Economy flight ticket vouchers earn karein.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Welcome / Renewal VoucherOn paying joining/renewal fee. | Voucher · 1 Free Economy Ticket | Annual perk | — |
| Spend Milestones (₹1.25L / ₹2.5L / ₹5L)3 additional flight tickets. | Milestone · 1 Economy Ticket per tier | Up to 3 tickets / year | — |
Redemption options
airindia.com / airvistara.com pe ticket vouchers aur CV points direct redeem karein.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Domestic Economy Ticket VouchersBEST VALUE | ₹4,500–₹7,500 / Ticket | 1 Voucher | 4 Vouchers / year | Taxes only |
| Award Flight Bookings via CV PointsBEST VALUE | ₹0.50–₹1.00 / CV Point | 2,000 CV pts | None | Taxes only |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Complimentary domestic Economy flight ticket vouchers.
- +4 domestic airport lounges per year (1 per quarter).
- +Club Vistara membership tier linkage.
✕Excluded Spends & Fee Traps
- −Rent payments.
- −Fuel transactions (1% surcharge waiver on ₹500–₹3,000).
- −Wallet load transactions.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹1,499 + GST (1 Free Economy Ticket welcome gift) |
| Annual Renewal Fee | ₹1,499 + GST (1 Free Economy Ticket on renewal) |
| Forex Markup | 3.5% + GST |
| Finance Charges | 3.5% / month (42.0% / year) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age | 21–65 years |
| Salaried Income | ₹25,000+ monthly net salary |
| Self-Employed Income | ITR above ₹3.0 Lakhs per annum |
Frequently Asked Questions
Kya Club Vistara SBI Card par airport lounge access milta hai?
Club Vistara SBI Card ke MITC charges, annual fee aur interest rate kya hain?
Club Vistara SBI Card par reward rate aur points ki real rupee value kya hai?
Club Vistara SBI Card par kin spends par rewards nahi milte aur fuel terms kya hain?
2026 mein Club Vistara SBI Card kin users ke liye best suited hai?
Editorial Deep-Dive Analysis
Detailed Overview: Club Vistara SBI Card
Club Vistara SBI Card SBI Card ka popular domestic aviation credit card hai jo Vistara ke sath partnership mein Visa Signature platform par issue kiya gaya hai. Domestic corporate travelers aur vacationing families ke liye design kiye gaye is card ki annual fee ₹1,499 + GST hai. Halanki isme koi spend-based fee waiver nahi hai, lekin joining aur renewal fee payment par milne wala complimentary domestic Economy flight ticket e-voucher annual fee ko 100% easily offset kar deta hai.
Yeh card transparent aviation privileges deliver karta hai: fee payment par 1 complimentary domestic Economy flight ticket, sabhi retail spends par 3 Club Vistara (CV) points per ₹100, per calendar quarter 1 domestic airport lounge (annual 4 visits), annual spend tiers par up to 3 additional complimentary flight tickets (total up to 4 free flights annually), aur unified Air India / Maharaja Club ecosystem mein smooth migration.
Key Privileges aur Everyday Benefits
- Complimentary Economy Flight Ticket Every Year: ₹1,499 joining aur renewal fee pay karne par har saal 1 complimentary domestic Economy flight ticket e-voucher receive karein (worth up to ₹5,000+ depending on route).
- Accelerated CV Points Earning: Sabhi eligible retail spends par 3 Club Vistara (CV) points per ₹100 earn karein.
- Milestone Flight Ticket Rewards (Up to 4 Free Flights Annually):
- Annual retail spend ₹1,25,000 reach karne par 1 additional free Economy ticket voucher.
- Annual retail spend ₹2,50,000 reach karne par 1 additional free Economy ticket voucher.
- Annual retail spend ₹5,00,000 complete karne par 1 additional free Economy ticket voucher (total up to 4 free flights annually).
- Domestic Airport Lounge Access (4 Visits): Visa Signature ke through Indian airport terminals par per calendar quarter 1 complimentary visit (annual 4 visits).
- Complimentary Club Vistara Base Tier: Direct airline points accumulation aur waitlist priority privileges.
- 1% Fuel Surcharge Waiver: Nationwide fuel pumps par ₹500 to ₹3,000 fuel transactions par 1% fuel surcharge refund (maximum ₹100 per statement cycle).
Important Terms aur Spend Conditions jo Samajhna Zaroori Hai
- No Spend-Based Fee Waiver: ₹1,499 annual renewal fee spend volume par waive nahi hoti, halanki renewal flight ticket voucher direct financial value deliver karta hai.
- Taxes on Free Flight Tickets: Complimentary vouchers base fare ko cover karte hain; government airport taxes aur passenger fees cash mein pay karni hoti hain.
- Ticket Voucher Validity: Vouchers issue date se 6 months tak valid hote hain aur booking flight seat availability quota par depend karti hai.
- Standard Forex Markup: International currency spends par standard 3.5% + GST forex markup charge hota hai.
- Excluded Categories: Fuel transactions, wallet top-ups, rent payments, aur government taxes par CV points accrue nahi hote.
Yeh Card Kinke Liye Best Fit Hai
- Domestic Frequent Flyers: Jo saal mein 2 to 4 domestic flights lete hain aur free ticket vouchers se ₹5,000 to ₹15,000 tak airfare save karte hain.
- Moderate Annual Spenders (₹1.25L to ₹5L): Jo regular retail shopping se spend milestones reach karke saal mein multiple free flights unlock karte hain.
- Vistara & Air India Loyalists: Jinhe affordable fee mein domestic airport lounges aur full-service flight comfort chahiye.
- SBI Card & Club Vistara — Credit Card schedule of charges
- Air India & Vistara — Economy flight vouchers and Club Vistara terms
Independent Editorial & Legal Disclaimers
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