The verdict
A high-value starter flight card for budget travelers. The complimentary Economy flight voucher typically costs ₹4,500 to ₹7,500 in cash, delivering an instant 3× to 5× return on the ₹1,499 annual fee on day one.
Spending ₹5 Lakhs annually unlocks all 3 milestone Economy tickets (total 4 Economy tickets worth ₹24,000) + earns 15,000 CV points (worth ~₹7,500 in flights) + ₹1,000 hotel voucher + 4 domestic lounges (~₹4,000), generating over ₹36,000 in travel perks against ₹1,499 fee (24× ROI).
For travelers seeking Premium Economy or Business Class cabins, the Prime or Infinite variants provide higher-tier flying comfort.
✓What works
- +1 complimentary domestic Economy flight ticket voucher upon paying joining and annual renewal fees.
- +Up to 3 additional complimentary Economy ticket vouchers on spend milestones (₹1.25L, ₹2.5L, and ₹5L).
- +3 Club Vistara (CV) Points per ₹100 spent on all eligible retail spending (3.0% base return).
- +4 complimentary domestic airport lounges per year (1 per quarter).
- +₹1,000 Yatra hotel voucher upon reaching ₹5,00,000 annual spend milestone.
- +₹1,499 annual fee is immediately offset by the upfront welcome flight ticket.
✕What doesn't
- −Annual fee of ₹1,499 + GST with zero spend-based fee waiver.
- −Flight ticket vouchers require paying mandatory government airport taxes (~₹800–₹1,200/ticket).
- −Domestic lounge access requires ₹50,000 spend in the preceding quarter.
What it earns
1 CV Point = ₹0.50 to ₹1.00 when redeemed for award flight tickets.
| Category | 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
Earn full Economy flight ticket vouchers across spend milestones.
| 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
Redeem ticket vouchers and CV points directly on airindia.com / airvistara.com.
| 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
Does Club Vistara SBI Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for Club Vistara SBI Card?
What is the reward rate and point redemption value on Club Vistara SBI Card?
Which transactions are excluded from earning rewards on Club Vistara SBI Card?
Who is Club Vistara SBI Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: Club Vistara SBI Card
The Club Vistara SBI Card is a co-branded domestic travel credit card created by SBI Card in partnership with Vistara on the Visa Signature platform. Geared towards domestic business travelers, frequent flyers, and holidaying families, it carries an annual membership fee of ₹1,499 + GST. While it features no spend-based fee waiver, the fee is completely recovered year after year through a complimentary domestic Economy class flight ticket e-voucher provided upon joining and annual renewal.
The card provides a predictable and rewarding aviation value proposition: cardholders receive 1 complimentary domestic Economy flight ticket upon fee payment, earn 3 Club Vistara (CV) points per ₹100 spent across all eligible retail categories, enjoy 1 complimentary domestic airport lounge visit per calendar quarter (4 visits annually), unlock up to 3 additional complimentary flight tickets through annual spend milestones (reaching up to 4 free flights annually), and enjoy seamless integration with the unified Maharaja Club / Air India loyalty ecosystem.
Key Privileges and Practical Everyday Benefits
- Complimentary Economy Flight Ticket Every Year: Receive 1 complimentary domestic Economy class flight ticket e-voucher upon payment of the ₹1,499 joining fee and upon every annual card renewal (worth up to ₹5,000+ depending on route).
- Accelerated CV Points Earning: Earn 3 Club Vistara (CV) points per ₹100 spent across all eligible domestic and international retail transactions.
- Milestone Flight Ticket Rewards (Up to 4 Free Flights Annually):
- Unlock 1 additional complimentary Economy ticket voucher on reaching ₹1,25,000 in annual retail spending.
- Unlock 1 additional complimentary Economy ticket voucher on reaching ₹2,50,000 in annual retail spending.
- Unlock 1 additional complimentary Economy ticket voucher on reaching ₹5,00,000 in annual retail spending.
- Domestic Airport Lounge Access (4 Visits): Enjoy 1 complimentary domestic airport lounge visit per calendar quarter (up to 4 visits annually) across Indian airport terminals on Visa Signature.
- Complimentary Club Vistara Base Membership: Enjoy privileges including priority waitlist clearance and direct accrual into your frequent flyer account.
- 1% Fuel Surcharge Waiver: Save 1% fuel surcharge on transactions between ₹500 and ₹3,000 at petrol pumps nationwide (maximum waiver of ₹100 per statement cycle).
Important Terms and Spend Conditions to Keep in Mind
- No Spend-Based Fee Waiver: The ₹1,499 renewal fee cannot be waived through spend thresholds, though the annual renewal ticket voucher provides immediate offsetting value.
- Taxes on Complimentary Flight Tickets: Complimentary ticket vouchers cover the base fare and airline fuel surcharges; statutory government taxes and passenger service fees must be paid in cash.
- Ticket Voucher Validity & Quota: Ticket vouchers are valid for 6 months from the date of issuance; seat bookings are subject to airline award inventory availability on specific flights.
- Standard Forex Markup: Overseas transactions incur a standard 3.5% + GST foreign currency markup fee.
- Excluded Spend Categories: Fuel transactions, wallet top-ups, rent payments, and government utility payments do not accrue CV points.
Who Benefits Most
- Domestic Business & Leisure Travelers: Flyers who take 2 to 4 domestic flights annually and reliably use the free ticket vouchers to save ₹5,000 to ₹15,000 on airfare.
- Moderate Spenders (₹1.25L to ₹5L Annually): Cardholders who can comfortably hit spend milestones to unlock multiple free flight tickets throughout the year.
- Vistara & Air India Loyalists: Travelers wanting airport lounge access and airline points integrated into India’s expanding full-service carrier network.
- SBI Card & Club Vistara — Credit Card schedule of charges
- Air India & Vistara — Economy flight vouchers and Club Vistara terms
Independent Editorial & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).