Author
LoansJagat Team
Read Time
11 Min
19 Mar 2025
SBI Vistara Credit Card – A Complete Guide to Features & Benefits
Suppose you've just got your SBI Vistara Credit Card. This is how it might benefit you:
During the first 90 days, you go ahead and make some substantial purchases and use ₹50,000. You get 1,000 bonus CV points as a reward. Getting all enthusiastic, you keep using the card for the next couple of months. At the end of the year, you've spent ₹5,00,000 and get a ₹5,000 Yatra hotel e-voucher.
Now, you have spent a total of ₹1,25,000. Surprise! You earn an economy class ticket with a rebated base fare. It is a fulfilling experience as you accrue points for your journeys and get special privileges along the way!
The SBI Vistara Club Credit Card, which is a joint offer between SBI and Vistara, is best suited for regular flyers. It provides reward points for every transaction, which can be redeemed as flights, upgrades, and other special travel privileges, making your overall travel experience even better.
What is SBI Vistara Credit Card?
Club Vistara SBI Credit Card is a joint collaboration with State Bank of India (SBI) and Vistara, India's leading airline. It is perfect for people who travel quite a lot, either for business or leisure. The card offers various benefits related to air travel that enhance your flying experience and reward you. This card gives you points on all transactions that can beutilised to purchase flights,upgrades and other services.
Besides travel reward points, the card also provides exclusive amenities to ensure that your travel experience is smooth. Whether for leisure or business travel, the Club Vistara SBI Credit Card makes you get more out of your travel experience, with exclusive offers and rewards beyond flying.
Key Features of the Club Vistara SBI Credit Card
Features | Description |
Welcome Benefits | The welcome present ofthe SBI Vistara credit card is a complimentary Vistara premium economy class ticket. You will get the voucher as an e-gift, delivered to your registered mobile number and email. To avail the welcome press ent voucher: Pay the joining fee or annual fee for the card. Subsequently, you will get the e-gift voucher within 30 working days through email. |
Reward Points | With the SBI Vistara credit card, you can accrue Club Vistara (CV) points on every spend that you make. You can use these CV points to redeem flights on Air Vistara and other airline partners. Here's how you earn CV points You get 3 CV points on every Rs. 200 spent on the Club Vistara SBI Card. You get 4 CV points on every Rs. 200 spent on the Club Vistara SBI Card PRIME. Redemption of CV points: Your CV points can be utilised forreservations of flights with Air Vistara as well as the allied airlines by means of your CV account. Re. 1 is the value of one CV point. |
Insurance Benefits | The SBI Club Vistara credit card offers some insurance advantages to keep you secure during your journey: Air accident cover: Rs 1 crore Lost card liability cover: Rs 1 lakh Flight cancellation cover: 6 times a year, each of up to Rs 3,500 Baggage damage cover: Rs 5,000 Lost check-in baggage cover: Rs 72,000 Lost travel documents cover: Rs 12,500 Delay of check-in baggage: Up to Rs 7,500 These covers ensure that you remain safe from different travel-related problems. |
Milestone Benefits | Milestone rewards on the SBI Vistara credit card are the benefits you earn through spending a threshold amount using the card. Rewards here come in the form of bonus points, hotel coupons, and flight bookings. Below is the breakdown of the milestone benefits on the Club Vistara SBI Card: 1,000 bonus CV points when spending Rs. 50,000 in the first 90 days from acquiring the card. Hotel e-voucher of Rs. 5,000 by Yatra.com for Rs. 5 lakh spent in one year. One economy class ticket with waived off base fare for expenses of Rs. 1.25 lakh, Rs. 2.5 lakh, and Rs. 5 lakh. Let’s understand it with the help of an example: Suppose you acquired the SBI Vistara Credit Card and would like to know how the milestone rewards function: First 90 Days: Spend ₹50,000 within the first 90 days and earn 1,000 bonus CV points. After 1 Year: If you use ₹5,00,000 within one year, you'll receive a ₹5,000 hotel e-voucher from Yatra. Milestone Flights: Spend ₹1,25,000, ₹2,50,000, or ₹5,00,000, and you’ll get economy class tickets with waived base fare (you’ll still pay taxes). These rewards accumulate as you spend! |
Domestic Airport Lounge Access | With the SBI Vistara Credit Card, you can use domestic airport lounges for free four times a year. You can do only one visit a quarter. How it works: You can't carry over unused visits to the next quarter if you don't use them in a quarter. If you use the lounge more than the complimentary visits, you will be charged the standard access fee. All guests you bring in will also pay when they come in. |
Complimentary Priority Pass Membership | The free Priority Pass Membership with the SBI Vistara credit card provides cardholders with access to international lounges abroad. Advantages: You can access international lounges a maximum of four times annually. You can use up to two visits within a quarter. The lounges offer a comfortable setting to rest, work, or recharge before departure. Charges: How to apply: To sign up for the Priority Pass Card, go to sbicard.com. What is a Priority Pass? Priority Pass is a favourite of frequent flyers. It provides such benefits as free Wi-Fi, snacks, relaxing seating, and even spaces in some locations. You can use the Priority Pass website to locate lounges at airports where you'll be departing. |
Global Acceptance and Security Features | The SBI Vistara credit card provides worldwide acceptance and various security features to secure your transactions. Global Acceptance: It is accepted by more than 24 million establishments across the world, including 325,000 establishments in India. Security Features: It comes with a chip and pin, which prevents card loss and fraud. A special security key makes only one transaction occur, even if the card is waved more than once. The card offers free air accident cover and fraud liability cover. Contactless Payments: You can just wave the card over a secure reader to pay, minimising the chance of card loss and fraud. Fraud Liability Cover: The card gives you free fraud liability cover up to a specified limit. In case your card gets lost, you can report it within 48 hours and have a replacement card within 7 days. |
Additional Features and Benefits:
1. Cash Access Across the World
Club Vistara SBI Credit Card offers easy access to cash at ATMs across the world. With more than 1 million MasterCard or Visa ATMs, out of which 18,000 are in India, you can withdraw cash easily whenever you wish.
2. Flexipay: Pay Purchases in Easy EMIs
If you've made a large outlay on a single transaction, you can transfer transactions of Rs. 2,500 and more to easy monthly payments through Flexipay. With this feature, you can repay your purchases in easy installments, so you remain master of your finances.
3. Balance Transfer on EMI
The card also gives you the convenience of transferring existing balances from other cards to your Club Vistara SBI Credit Card. At reduced interest rates and as and when you like, you can settle your dues without paying high interest charges.
4. Easy Bill Pay Facility
The card allows you to pay a variety of bills, such as electricity, telephone, and mobile bills, through its Easy Bill Pay facility. This facility allows you to pay all your bills from one location without wasting time and effort.
5. Add-on Cards for Family Members
The Club Vistara SBI Credit Card allows you to give add-on cards to your relatives, such as your spouse, parents, or children (above 18 years). This helps share the benefits of the card with family members and earn CV points on their spends too.
How to Redeem CV Points
You can redeem your Club Vistara (CV) points against your SBI Vistara Credit Card either online or through a call to Club Vistara Customer Service.
Online:
- Log in to your Club Vistara account.
- Visit the rewards section.
Select the things you wish from the rewards catalogue.
By Phone:
- Call +91 9289228888 for Club Vistara Customer Service.
Speak to the representative and follow instructions.
How you can earn CV points:
- You get 3 CV points for every ₹200 spent on your card, including fuel.
The points will be credited in your Club Vistara account within 10 working days after your monthly statement is prepared.
Where you can redeem CV points:
You can redeem CV points for Vistara Airlines bookings. 1 CV point is Re. 1.
Fees and charges on SBI Vistara Credit Card:
Here is the information about the SBI Vistara credit card fees, charges, and benefits in a table format:
Type of Fee | Amount |
Annual Fee | ₹2,999 + taxes |
Renewal Fee | ₹2,999 + taxes |
Finance Charges | Up to 42% per annum |
Late Payment Charges | Vary depending on the outstanding amount |
Priority Pass Membership Lounge Usage Fee | USD 27 + taxes |
Airport Lounge Access | Charged as per the regular access rates prescribed by the lounge |
Late Payment Charges Breakdown | ₹0 to ₹500 - Nil |
₹500 to ₹1,000 - ₹400 | |
₹1,000 to ₹10,000 - ₹750 | |
₹10,000 and above - ₹950 | |
₹25,000 to ₹50,000 - ₹1,100 | |
₹50,000 and above - ₹1,300 |
Benefits of the Card:
Benefit | Details |
Complimentary Priority Pass Membership | Yes |
Free Domestic Visit | 1 visit per quarter |
Complimentary Access to Domestic Airport Lounges | Yes |
Air Accident Insurance Cover | Up to ₹50 lakh |
Liability Cover for Lost Card | Up to ₹1 lakh |
Discounts on Hotel and Car Rental Bookings | Yes |
Eligibility to apply for SBI Vistara Credit Card:
To apply for the SBI Club Vistara Credit Card, you must satisfy the following criteria:
- Be above 18 years of age
- Be an Indian resident
- Be either salaried or self-employed
- Have a decent credit history
Submit your three-month bank statements
Further Approval Tips:
- It would be advisable to have a CIBIL rating of more than 700 in order to get a good chance of approval.
- Having an excellent payment record can lead to quicker approval and better terms.
Bad payment records or payment problems in the past might lead to credit refusal or increased fees.
Documents required to apply for SBI Vistara Credit Card:
To apply for SBI Club Vistara Credit Card, you will be required to submit the following documents:
- Proof of Identity: Aadhaar card, voter ID, PAN card, passport, driving license, or NREGA card
- Proof of Address: Utility bill, ration card, passport, or rental agreement
- Proof of Income: Salary slips, bank statements, or income tax returns (ITR)
- Photograph: Passport size color photograph
Bank Statements: Bank statements for last three months
How to apply for SBI Vistara Credit Card?
- Visit your nearest SBI Bank branch.
- Request a credit card application form.
- Select the SBI Vistara Credit Card.
- Fill in your personal and income details in the form carefully.
- Attach a photo and sign the form.
Check the form for accuracy and submit it along with the required documents.
How to maximise the use of SBI Vistara Credit Card?
You can best use your SBI Vistara Credit Card by earning and redeeming Club Vistara (CV) Points, taking advantage of travel benefits, and conducting contactless payments.
Earn CV Points:
- Earn 3 CV Points on every ₹200 spent on the card.
Earn 1,000 CV Points when you spend ₹50,000 within the first 90 days.
Redeem CV Points:
- Redeem CV Points on Air Vistara and partner airlines flights.
Exchange points on the Club Vistara website or call Customer Service.
Customer Care Details related to SBI Vistara Credit Card:
You can reach SBI Vistara Credit Card customer service in the following manners:
Phone:
- Dial 1860-180-1290, 1860-500-1290, or 39-02 02 02 (with your local STD code) at any time, 24/7.
- Dial for urgent matters such as lost cards or suspicious transactions.
Listen to the voice prompts to choose options such as billing problems or blocking of cards.
Email:
- Email customercare@sbicard.com for non-urgent problems or to keep a record of your questions.
- Put a brief description of your question in the subject line.
SBI takes around 24-48 hours to respond.
Conclusion:
SBI Vistara Credit Card is a great option for regular flyers. Not only do you get Club Vistara points for all your transactions but also other awesome travel benefits in the form of free airport lounge access, insurance covers, and thrilling milestone benefits like free flight tickets and hotel vouchers.
The easy application procedure makes the travel experience richer and convenient for you. Whether you fly for work or play, the SBI Vistara Credit Card makes every rupee count so that your travel is even better. Apply now and begin earning!
FAQs related to SBI Vistara Credit Card:
Q1: What are the benefits of joining the SBI Vistara Club Card?
Participation in the SBI Vistara Club Card is highly rewarding, beginning with a free ticket in Vistara premium economy class as an introductory offer. Card members even get 4 CV points on every ₹200 spent, exchangeable for a flight, a class upgrade, and other air travel benefits.
Q2: What is the validity of Club Vistara Points?
Club Vistara Points in your account will be transferred to the Maharaja Club at a 1:1 ratio. These points will remain valid for one year from the migration date, even if they were set to expire earlier.
Q3: Is the SBI Vistara Card a Visa or MasterCard?
The Club Vistara SBI Card PRIME is powered by either MasterCard or VISA Contactless, offering a fast and convenient way to make everyday purchases.
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LoansJagat Team
We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?
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