SBI Vistara Card

Last Updated – 7 months ago

This post is neither sponsored by Vistara nor by SBI Card, so it’s an unbiased post. We may receive small compensation from SBI if you apply for the card through our link which doesn’t impact your overall card benefits or application process.

SBI has launched two co-branded cards with Vistara, one is SBI Vistara & other is SBI Vistara Prime. Today, we will talk about SBI Vistara Card. If you know the features, jump to calculate if this is a right card for you.

Joining Fees for SBI Vistara Card

This card comes with a joining fee of INR 1499 + taxes which is ~INR 1770. However, it offers one economy class ticket to straightaway offset the joining fee. We will talk about the value of this ticket further in the post.

Is there any renewal fees?

Yes, this card has a renewal fees of 1499 + taxes which is same as joining fees. On renewal of the card, you once again get economy class ticket of Vistara. There is no spend based waiver for the annual fees.

Free Airport Lounge Access

This card offers you 4 lounge access to domestic airport terminals. Mastercard is a payment network for the card, so INR 25 will be debited as a nominal authentication fee. Please note that the lounge access is limited to 1 per quarter.

Vistara Membership

Vistara calls it loyalty program as Club Vistara (CV). You get base tier of Club Vistara with this card. Once your card is approved, your CV ID will be generated and printed on the card. You can present this CV ID every time you fly Vistara to earn CV points.

You will receive 8 CV points with every 100 spent on base fare of the Vistara flight ticket. This is applicable when you book any Vistara flight through any platforms like makemytrip, Yatra, or their own website or app. This benefit is irrespective of you use your SBI Vistara card or not.

What are the reward benefits of SBI Vistara?

Card offers two kind of rewards. Rewards on card usage & milestone based rewards. Let’s know more about it

CV Points on Card Usage

For every 200 spent on the card, you will receive 3 CV points.


  • On card approval, if you spend INR 50,000 within 90 days, you will receive 1000 CV points. This is applicable only in the first anniversary year
  • On spends of 1.25L, you receive one economy ticket.
  • On spends of 2.5L, you receive one more economy ticket.
  • On spends on 5L, you receive yet another economy ticket along with a Yatra Hotel voucher of INR 5000.

Read more on how to redeem Vistara flight ticket voucher.

Analysis of SBI Vistara Card

I come across many people who are happy with various Cashback cards, why not? Good Cashback card is a no brainer. However, cards like SBI Vistara has potential of generating ~6% returns if used wisely. Try for yourself if this a good fit for your wallet.

I have removed joining fee from the calculation since you receive an economy flight with value more than the fees.


If you stay in a city which has good coverage of Vistara network & if you can spend anywhere above INR 22,000 monthly, this card will give you amazing returns. Vistara is one of the best airline in India which will soon merge into Air India. We will know more about the merger in coming days.

Let me know your thoughts in comment section.

By Pranav Date

Author is a credit card fan. Loves investing without any frills. Believes in every penny saved is penny earned.

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