The verdict
Vacations aur holiday trips plan karne walon ke liye unbeatable starter card. ₹499 joining fee ke badle milne wala ₹8,250 travel voucher booklet 16.5× immediate upfront return deliver karta hai, jabki domestic flights pe flat ₹1,000 instant discount routine flight booking ko super affordable banata hai.
2 domestic flights (₹2,000 flat discount) + 2 hotel stays on Yatra (₹3,000 discount) + ₹5,000/mo dining/grocery spends (₹900 points) + ₹8,250 welcome vouchers + 4 domestic airport lounges (~₹4,000) milakar ₹499 fee ke against saal ka ₹18,000+ net travel value generate hota hai (36× ROI).
Agar aap flights primarily MakeMyTrip ya airline websites se book karte hain, toh general portal-agnostic travel cards better flexibility offer karte hain.
✓What works
- +Joining fee pay karne pe ₹8,250 worth of Yatra.com travel vouchers (flights, hotels, bus, aur holiday packages) welcome gift.
- +Yatra.com pe domestic flight bookings (min booking ₹5,000) pe card promo code se flat ₹1,000 instant discount.
- +Yatra pe domestic hotel bookings pe flat 20% instant discount (up to ₹2,000 discount per stay).
- +Yatra bookings, dining, grocery, departmental stores, movies, aur entertainment pe 6 Reward Points per ₹100 (1.5% return).
- +Saal mein 4 complimentary domestic airport lounges (1 per quarter).
- +Annual fee sirf ₹499 + GST hai, jo saal ka ₹1,00,000 spend karne pe 100% waive ho jaati hai.
✕What doesn't
- −Flight aur hotel discounts sirf Yatra.com platform pe book karne pe hi milte hain.
- −Welcome vouchers different categories mein minimum spend conditions ke sath split hain.
- −Accelerated categories ke bahar general retail spends pe 1 Reward Point per ₹100 (0.25%) ka basic return.
What it earns
1 Reward Point = ₹0.25 Yatra vouchers ya catalog merchandise pe.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Yatra.com, Dining, Groceries, Movies & Departmental | 1.5% (6 pts / ₹100) | Uncapped | 6,000 pts (₹1,500 value) |
| All Other Domestic Retail Spends | 0.25% (1 pt / ₹100) | Uncapped | 1,000 pts (₹250 value) |
| Fuel & Rent | 0% | Excluded | 0 pts |
Accelerated earn
₹8,250 Travel Vouchers & Flat ₹1,000 Off Flights
Flights, hotels, aur daily groceries pe top discounts earn karein.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Yatra Flight Promo CodesFlat ₹1,000 off on ₹5,000+ flights. | Discount · Flat ₹1,000 Off | Multiple bookings | — |
| Daily Accelerated Categories6 pts per ₹100 on dining & grocery. | 6× · 1.5% | Uncapped | — |
Redemption options
Points ko direct Yatra.com gift vouchers ke liye redeem karein at 1 pt = ₹0.25.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Yatra.com Travel VouchersBEST VALUE | ₹0.25 / Reward Point | 1,000 pts | None | Nil |
| Brand Vouchers & Merchandise | ₹0.25 / Reward Point | 1,000 pts | None | ₹99 + GST |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Yatra.com domestic aur international flights, hotels, aur tour packages.
- +Dining, supermarket grocery, aur movie ticket spends.
- +4 domestic airport lounges per year (1 per quarter).
✕Excluded Spends & Fee Traps
- −Rent payments.
- −Fuel purchases (1% surcharge waiver on ₹500–₹3,000).
- −Wallet load transactions.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹499 + GST (₹8,250 Yatra Travel Vouchers welcome gift) |
| Annual Renewal Fee | ₹499 + GST (Waived at ₹1,00,000 spend) |
| Forex Markup | 3.5% + GST |
| Finance Charges | 3.5% / month (42.0% / year) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age | 21–65 years |
| Salaried Income | ₹20,000+ monthly net salary |
| Self-Employed Income | ITR above ₹2.5 Lakhs per annum |
Frequently Asked Questions
Kya Yatra SBI Credit Card par airport lounge access milta hai?
Yatra SBI Credit Card ke MITC charges, annual fee aur interest rate kya hain?
Yatra SBI Credit Card par reward rate aur points ki real rupee value kya hai?
Yatra SBI Credit Card par kin spends par rewards nahi milte aur fuel terms kya hain?
2026 mein Yatra SBI Credit Card kin users ke liye best suited hai?
Editorial Deep-Dive Analysis
Detailed Overview: Yatra SBI Credit Card
Yatra SBI Credit Card SBI Card ka affordable travel aur lifestyle credit card hai jo leading online travel platform Yatra.com ke sath co-branded tie-up mein Visa platform par issue kiya gaya hai. Domestic travelers, vacationing families aur leisure holiday seekers ke liye tailored is card ki annual fee sirf ₹499 + GST hai, jo previous card anniversary year mein ₹1,00,000 qualifying retail spend complete karne par 100% waive ho jaati hai.
Is card ka sabse striking highlight iska massive welcome travel package hai: card joining par ₹8,250 worth ke Yatra.com travel discount vouchers (representing 16X upfront value against ₹499 fee), ongoing flight discounts (up to ₹1,000 off on domestic flights and ₹4,000 off on international flights), groceries, departmental stores, dining aur cinema par 6 reward points per ₹100 (1.5% return), aur annual 4 domestic airport lounges.
Key Privileges aur Everyday Benefits
- ₹8,250 Travel Vouchers Welcome Package: Joining fee payment par ₹8,250 ke travel discount vouchers receive karein, jisme shamil hain:
- 2 domestic flight discount vouchers of ₹1,00,0 each (min booking ₹5,000).
- 2 international flight discount vouchers of ₹2,000 each (min booking ₹40,000).
- 1 domestic hotel discount voucher of ₹2,250 (20% off, min booking ₹3,000).
- Ongoing Flight & Hotel Savings on Yatra.com:
- Promo code TRAVEL ke sath domestic flight bookings par flat ₹1,000 instant discount (min spend ₹5,000).
- International flights par flat ₹4,000 instant discount (min spend ₹40,000).
- Domestic hotels par 20% discount (up to ₹2,000 off, min spend ₹3,000).
- Everyday Lifestyle Rewards Accelerator:
- Groceries, departmental stores, dining, movie tickets aur Yatra.com par 6 reward points per ₹100 (1.5% return at 4 pts = ₹1) earn karein.
- Baaki sabhi retail spends par 1 reward point per ₹100 (0.25% return) base rate.
- Domestic Airport Lounge Access (4 Visits): Visa Signature ke through major Indian airport terminals par per calendar quarter 1 complimentary visit (annual 4 visits).
- 1% Fuel Surcharge Waiver: Nationwide petrol pumps par ₹500 to ₹3,000 fuel transactions par 1% fuel surcharge refund (maximum ₹100 per statement cycle).
- Accessible Spend Waiver Target: Previous anniversary year mein ₹1,00,000 retail spend complete karne par ₹499 annual renewal fee completely 100% waive ho jaati hai.
Important Terms aur Spend Conditions jo Samajhna Zaroori Hai
- Promo Code Requirement: Flight aur hotel discounts ke liye Yatra.com par checkout ke time specific promo code apply karna zaroori hai.
- Voucher Validity: Welcome vouchers 12 months ke liye valid hain aur separate transactions par redeem hote hain.
- Redemption Charges: Accumulated points redeem karne par standard ₹99 + GST processing fee charge hoti hai.
- Standard Forex Markup: International currency spends par standard 3.5% + GST forex markup charge hota hai.
- Excluded Categories: Fuel spends, wallet top-ups, rent payments, aur government taxes par reward points nahi milte.
Yeh Card Kinke Liye Best Fit Hai
- Budget Domestic Travelers: Families jo saal mein 2 to 4 flights ya hotels book karte hain aur ₹8,250 welcome vouchers se maximum airfare save karte hain.
- Lifestyle & Grocery Spenders: Jo supermarket groceries aur dining par 6X points accumulate karte hain aur airport lounges enjoy karte hain.
- Affordable Lounge Seekers: Jo ₹499 fee mein 4 domestic airport lounges aur ₹1 Lakh spend waiver chahte hain.
- SBI Card & Yatra — Credit Card schedule of charges
- Yatra.com & SBI Card — ₹8,250 travel voucher booklet and promo terms
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
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