The verdict
A holidaymaker's dream starter card. The ₹8,250 welcome travel voucher pack delivers a jaw-dropping 16.5× immediate value return on the ₹499 joining fee, while regular ₹1,000 flat discounts on domestic flights make everyday holiday booking highly economical.
Booking 2 domestic flights (₹2,000 flat discounts) + 2 hotel stays on Yatra (₹3,000 discounts) + ₹5,000/mo on dining/groceries (₹900 points) + ₹8,250 welcome vouchers + 4 domestic airport lounges (~₹4,000) generates over ₹18,000 in travel value against ₹499 fee (36× ROI).
For spenders who book exclusively via MakeMyTrip, EaseMyTrip, or airline direct websites, portal-agnostic travel cards provide broader flexibility.
✓What works
- +₹8,250 worth of Yatra.com travel vouchers (flights, hotels, bus, and holiday packages) welcome gift upon paying joining fee.
- +Flat ₹1,000 instant discount on domestic flight bookings (min booking ₹5,000) on Yatra using exclusive card promo code.
- +Flat 20% instant discount on domestic hotel bookings (up to ₹2,000 discount per booking) on Yatra.com.
- +6 Reward Points per ₹100 (1.5% return) on Yatra bookings, dining, grocery, departmental stores, movies, and entertainment.
- +4 complimentary domestic airport lounges per year (1 per quarter).
- +Low annual fee of ₹499 + GST, easily waived upon spending ₹1,00,000 in a year.
✕What doesn't
- −Flight and hotel discounts require booking specifically on Yatra.com platform.
- −Welcome vouchers are split into individual category coupons with minimum booking thresholds.
- −General retail spend outside accelerated categories yields 1 Reward Point per ₹100 (0.25% return).
What it earns
1 Reward Point = ₹0.25 when redeemed for Yatra vouchers or catalog merchandise.
| Category | 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
Earn maximum discounts on flights, domestic hotels, and groceries.
| 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
Redeem points for Yatra travel gift vouchers 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 and international flights, hotels, and holiday bookings.
- +Dining, grocery delivery, supermarket, and 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
Does Yatra SBI Credit Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for Yatra SBI Credit Card?
What is the reward rate and point redemption value on Yatra SBI Credit Card?
Which transactions are excluded from earning rewards on Yatra SBI Credit Card?
Who is Yatra SBI Credit Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: Yatra SBI Credit Card
The Yatra SBI Credit Card is a budget-friendly travel and lifestyle credit card, developed in co-branded partnership by SBI Card and leading online travel agency Yatra.com on the Visa platform. Geared towards domestic travelers, vacationing families, and leisure holiday planners, it carries an annual membership fee of ₹499 + GST, which is 100% reversed upon achieving ₹1,00,000 in qualifying retail spends in the previous card anniversary year.
The card’s headline attraction is an extraordinary upfront travel package: cardholders receive ₹8,250 worth of Yatra.com travel discount vouchers upon payment of the ₹499 joining fee (representing a massive 16X upfront value), enjoy ongoing flight discounts (up to ₹1,000 off on domestic flights and ₹4,000 off on international flights), earn 6 reward points per ₹100 spent (1.5% return) across groceries, departmental stores, dining, and cinema, and enjoy 4 complimentary domestic airport lounge visits annually.
Key Privileges and Practical Everyday Benefits
- ₹8,250 Travel Vouchers Welcome Package: Receive travel discount vouchers worth ₹8,250 upon joining fee realization within 30 days of issuance, consisting of:
- 2 domestic flight discount vouchers of ₹1,000 each (min spend ₹5,000).
- 2 international flight discount vouchers of ₹2,000 each (min spend ₹40,000).
- 1 domestic hotel discount voucher of ₹2,250 (20% off, min spend ₹3,000).
- Ongoing Flight & Hotel Savings on Yatra.com:
- Flat ₹1,000 instant discount on domestic flight bookings (minimum booking of ₹5,000) using promo code TRAVEL.
- Flat ₹4,000 instant discount on international flight bookings (minimum booking of ₹40,000).
- 20% off on domestic hotels (maximum discount of ₹2,000 per booking on minimum spend of ₹3,000).
- Accelerated Everyday Lifestyle Rewards:
- Earn 6 reward points per ₹100 spent (1.5% valueback at 4 points = ₹1) on groceries, departmental stores, dining, movie tickets, and Yatra.com transactions.
- Earn 1 reward point per ₹100 spent (0.25% return) on all other general retail transactions.
- 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.
- 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).
- Accessible Spend Waiver Target: The ₹499 annual renewal fee is automatically reversed on annual retail spends of ₹1,00,000 or more in the preceding year.
Important Terms and Spend Conditions to Keep in Mind
- Yatra Promo Code Requirement: Flight and hotel discounts require applying dedicated promo codes on Yatra.com during checkout and cannot be combined with competing bank coupon codes.
- Voucher Validity Period: Welcome discount vouchers are valid for 12 months from the date of card issuance and must be redeemed across separate booking transactions.
- Redemption Processing Charges: Redeeming accumulated reward points for statement credits or catalog vouchers incurs standard processing fees of ₹99 + GST.
- Standard Forex Markup: Overseas purchases incur a standard 3.5% + GST foreign currency markup fee.
- Excluded Spend Categories: Fuel purchases, wallet top-ups, rent payments, and government utility payments do not accrue reward points.
Who Benefits Most
- Budget Domestic Travelers: Families and professionals who book 2 to 4 flights or hotels each year on Yatra.com and save up to ₹8,250 using welcome vouchers.
- Suburban Lifestyle Spenders: Cardholders who appreciate having 6X rewards on groceries, dining, and movies combined with domestic airport lounge access.
- Travelers Seeking Low-Cost Lounge Access: Users wanting 4 complimentary domestic airport lounge visits annually under an accessible ₹499 card with a ₹1 Lakh spend waiver.
- SBI Card & Yatra — Credit Card schedule of charges
- Yatra.com & SBI Card — ₹8,250 travel voucher booklet and promo 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).