Club Vistara SBI Card

Annual fee

Annual fee ₹1,499 + taxes

Renewal fee

Renewal fee Nil

Add-on card fee

Add-on Fee (per annum): Nil.

Reward rate

3 points per ₹200 · everyday spends3 points per ₹200 spent on all retail categories, including fuel

Reward exclusions

For Club Vistara SBI Card all spending charged to the SBI Card under the Program will be eligible to earn Points except the following: balance transfers, cash advances, financial charges, disputed transactions, Flexipay, Merchant EMI, E-wallet loading transactions under MCCs 6540 & 6541, Rent Payment transactions (W.e.f. 15 Apr 2024), Govt. Related transactions (W.e.f. 15 July 2024)

Airline and hotel partners points may move to

Use CV Points to redeem on Air India and Partner Airlines.

Point expiry

Club Vistara Points can only be accumulated for a period of 36 months from the date of activity under the Club Vistara Membership program

Domestic lounge access

4 complimentary Domestic Lounge visits in a year (subject to a max. 1 per quarter). Unutilized access will lapse at the end of quarter and cannot be carried to next quarter.

Priority Pass

Complimentary Priority Pass Membership worth USD 99 for 24 months from the date of issue of priority pass membership. Usage fee of USD 27+ applicable taxes will be charged on your Club Vistara SBI Card for visit to the Priority Pass Membership Lounge

Milestone benefits

1 hotel e-Voucher from Yatra worth ₹5,000 on annual spends of ₹5 lakhs.

Lost card liability

Lost card liability cover of up to ₹1 lakh

Travel insurance

Up to 4 cancellations per year, each limited to ₹3,500; Loss of check-in baggage cover of up to ₹72,000; Delay of check-in baggage cover of ₹7,500; Loss of travel documents cover of up to ₹12,500; Baggage damage cover of up to ₹2500

Add-on card eligibility

You can share the power of your Club Vistara SBI Card with your family, by applying for an Add-on Card (s) for your spouse, parents, siblings and children over 18 years of age.

Balance transfer terms

Balance Transfer on EMI: Transfer outstanding balances of other banks’ credit cards to your Club Vistara SBI Card at a lower interest rate and repay in easy EMIs.

Purchase to EMI conversion

Flexipay EMI: Convert eligible purchases into easy monthly EMIs; Applicable on transactions of ₹2,500 or more.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%3.5% (For All Cards Except Aurum, Elite, Prime NRI Secured, Tata Neu Infinity SBI Credit Card and SBI Card Miles Elite/Miles Prime/Miles)

Cash advance fee

Cash advance fees 2.5% of transaction amount, minimum ₹500

Interest on unpaid balance

Finance charges 3.75% p.m. (45% p.a.) for unsecured cards.

Interest-free period

Interest free credit period 20-50 days, applicable only on retail purchases and if previous balance is paid in full

Late payment fee

Late payment Nil to ₹1,300 by outstanding amount due.

Over-limit fee

2.5% of Overlimit Amount (subject to a minimum of ₹600); Overlimit Fee will not be reversed in case of transaction reversal / cancellation / refund

Payment return or dishonour fee

2% of Payment amount (subject to a minimum of ₹500)

Card replacement fee

₹100 - ₹250 (₹1500 for Aurum)

Cash payment / cash deposit fee

Cash Payment Fee: Revised from ₹199 to ₹250 w.e.f. 01 Sep 2021

Education / school fee charge

Fee on Education Payments: W.e.f 1st Nov 2025, 1% of the transaction amount applicable on Education Payments made through third-party apps. However, payments made directly to colleges or schools via their websites or POS machines will not attract any fee.

Fee for paying the bill by cheque

₹200; not applicable for SBI Card Unnati, SBI Card Vyapaar Unnati and SBI Card Krishak Unnati Credit Cards

Foreign ATM fee

2.5% of transaction amount (subject to a minimum of ₹500) at International ATMs

Reward redemption fee

₹99. Applicable only on Physical products, Statement Credit & on Vouchers that are sent physically as specified in the individual product Terms & Conditions, for all cards except AURUM. No redemption fee will be charged to the card account if, the card account status is found voluntarily closed on the fee posting date

Wallet load charge

W.e.f 1st Nov 2025, 1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000

Rent transaction fee

₹199 processing fee on all rent payment transactions; Processing Fee will not be reversed in case of transaction reversal / cancellation / refund.

Utility transaction fee

W.e.f. 1st Dec 2024, 1% of total amount of Utility Payments, if the total amount exceeds ₹50,000 in a billing cycle

GST note

All taxes would be charged as applicable on all the above Fees, Interest & Charges

Grace days after the due date

Grace Period - Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s).

Minimum amount due

100% of GST + 100% of EMI amount + 100% of Fees/Charges +100% of finance charges+ Overlimit Amount (if any) + 2% of remaining balance outstanding

Eligibility

Salaried or Self-Employed with stable income.

Minimum age

Minimum age to apply online: salaried 21 years or above; self-employed above 25 years; retired pensioners above 40 years