Club Vistara SBI Card

Best suited to applicants with a credit score of roughly 730+ whose spend is concentrated in travel. It's worth the annual fee mainly if your points value clears it.

• Rewards rate: 1.5% base rate
• Domestic lounge access: 4 complimentary domestic airport lounge visits per year (max 1 per quarter)
• International lounge access: Complimentary 24-month Priority Pass membership; USD 27 + tax per lounge visit

• ✈️ Travel

  4 complimentary domestic airport lounge visits per year (max 1 per quarter)

• 🏨 Hotel

  1 Yatra hotel e-voucher worth Rs. 5,000 on annual spends of Rs. 5 lakh

• 🛡️ Insurance

  Lost card liability up to Rs. 1 lakh, check-in baggage loss cover up to Rs. 72,000, baggage delay Rs. 7,500 and up to 4 cancellations a year (Rs. 3,500 each)

• Minimum credit score: 730
• Minimum monthly income: ₹25,000
• Employment: salaried, self-employed
• Age: 21–65

• Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
• Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.

• 3 Club Vistara Points per Rs. 200 spent on all retail categories, including fuel; points redeem on Air India and partner airlines
• 4 complimentary domestic airport lounge visits per year (max 1 per quarter)
• Complimentary Priority Pass membership (worth USD 99) for 24 months; USD 27 + tax usage fee per lounge visit
• 1 Yatra hotel e-voucher worth Rs. 5,000 on annual spends of Rs. 5 lakh
• Lost card liability up to Rs. 1 lakh, check-in baggage loss cover up to Rs. 72,000, baggage delay Rs. 7,500 and up to 4 cancellations a year (Rs. 3,500 each)