The Yatra SBI Card is a co-branded travel credit card launched in partnership with Yatra.com, designed to offer significant benefits to frequent travelers. This card provides a range of privileges, including welcome vouchers, discounts on travel bookings, and reward points on everyday spends. This detailed review covers the key features and benefits of the Yatra SBI Card to help you determine if it aligns with your travel and lifestyle needs.
Overview
| Feature | Details |
|---|---|
| Card Type | Travel Credit Card |
| Reward Rate | 6 Reward Points per ₹100 spent on select categories |
| Reward Value | 1 Reward Point = ₹0.25 |
| Annual Fee | ₹499 + GST |
| Unique Selling Points | Discounts on Yatra.com bookings, low annual fee |
| Rating (out of 5) | 3.9 |
Welcome Benefits for Yatra SBI Card
| Welcome Benefit | Details |
|---|---|
| Gift Vouchers | Yatra.com vouchers worth ₹8,250 |
| Additional Benefits | – |
Joining Fees for Yatra SBI Card
| Fee Type | Details |
|---|---|
| Joining Fee | ₹499 + GST |
| Renewal Fee | ₹499 + GST (waived on spending ₹1 lakh annually) |
| Finance Charges | 3.5% per month (42% per annum) |
| Late Payment Fee | ₹100 to ₹1,300 based on the outstanding balance |
| Foreign Transaction Fee | 3.5% |
Utility Payment Charges
| Payment Type | Charges |
|---|---|
| Rent Payment | 1% fee using third-party apps like CRED, Paytm |
| Education | 1% fee using third-party apps |
| Utilities | No additional charges |
Membership Benefits
The Yatra SBI Card offers a variety of benefits:
- Travel Benefits: Discounts on flight bookings and hotel stays via Yatra.com.
- Dining and Entertainment: Not specified.
- Insurance Coverage: Complimentary air accident cover of ₹50 lakhs.
- Fuel Surcharge Waiver: 1% waiver on fuel surcharge across all petrol pumps in India, subject to a maximum of ₹100 per month.
Rewards benefits
| Spend Category | Reward Rate |
|---|---|
| Groceries, Movies, Departmental Stores, Entertainment, Dining | 6 Reward Points per ₹100 spent |
| All Other Spends | 1 Reward Point per ₹100 spent |
| Reward Value | 1 Reward Point = ₹0.25 |
| Rewards Expire in | 2 years |
Milestone Benefits
| Spending Milestone | Reward Earned |
|---|---|
| Annual Spending of ₹1 lakh | Waiver of annual fee |
Redemption of Rewards points
Cardholders can redeem their reward points for Yatra.com discount vouchers. A minimum of 1,000 reward points is required for redemption, and 1 Reward Point equals ₹0.25.
Gift Vouchers Available
| Category | Brands |
|---|---|
| Shopping | Myntra, Amazon, Pantaloons, Levi’s, Lifestyle, Shoppers Stop |
| Electronics | Croma |
| OTA | MakeMyTrip, EaseMyTrip |
| Hotels | Oberoi Hotels, Taj Hotels, ITC Hotels |
| Cabs | Uber, Ola |
| Airline | Vistara, IndiGo, SpiceJet |
| Luxury Brands | Neiman Marcus, Gucci, Louis Vuitton |
| Merchandise | Apple, Samsung |
Airport Lounge Access
| Access Type | Details |
|---|---|
| Domestic Lounges | Not available |
| International Lounges | Not available |
| Add-on Cardholder Benefits | Not applicable |
Airport Transfers
The Yatra SBI Card does not offer specific benefits for airport transfers.
Forex Markup Fee for Yatra SBI Card
| Fee Type | Details |
|---|---|
| Forex Markup Fee | 3.5% on all international transactions |
Eligibility
To apply for the Yatra SBI Card, applicants must meet the following criteria:
- Age: 18 years and above
- Income: Sufficient income to meet credit card requirements
- Documents Required: Aadhar Card, PAN Card, proof of income (latest bank statements/salary slips, ITR), and residence proof (utility bills, passport, driving license, etc.)
How to Apply
Applying for the Yatra SBI Card is straightforward:
- Online Application:
- Visit the SBI Card website.
- Click on the “Apply Now” button and fill out the required personal and financial information.
- Submit the necessary documents online as per the instructions.
- Offline Application:
- Visit the nearest SBI branch.
- Request an application form for the Yatra SBI Card.
- Fill out the form with accurate details and attach the required documents.
- Submit the form at the branch and await approval.
Yatra SBI Card Review
The Yatra SBI Card is a great option for frequent travelers looking for travel discounts and reward points. With a low annual fee and substantial welcome benefits, it offers excellent value for those who frequently book flights and hotels through Yatra.com.
Rating: 3.9
- Overall Rating: 3.9
- Benefits: 4.0
- Fees: 4.5
- Customer Service: 3.8
Pros and Cons of Yatra SBI Card
Advantages of the Credit Card:
- Low annual fee with significant welcome benefits.
- High reward rates on select categories.
- Comprehensive insurance coverage.
Potential Drawbacks:
- No lounge access benefits.
- High foreign transaction fee of 3.5%.
Similar Cards to Yatra SBI Card
| Feature | Yatra SBI Card | MMT ICICI Signature Card | Axis Vistara Credit Card |
|---|---|---|---|
| Annual Fee | ₹499 + GST | ₹2,500 + GST | ₹1,500 + GST |
| Lounge Access | Not available | Domestic Airport Lounge access | Domestic Airport Lounge access |
| Reward Rate | 6 Reward Points per ₹100 spent on select categories | 4 My Cash per ₹100 spent on MMT bookings | 2 Club Vistara Points per ₹200 spent |
| Reward Value | 1 Reward Point = ₹0.25 | 1 My Cash = ₹1 | 1 CV Point = ₹1 |
| Special Benefits | Discounts on Yatra bookings, insurance cover | Complimentary MMT Black Membership, hotel vouchers | Domestic flight discounts |
Relevant Links
To help our readers navigate our website and find additional relevant content, here are some internal links you might find useful:
For more detailed information about SBI credit cards and other financial products, you can visit the official SBI Card website.
FAQ
Q: What is the annual fee for the Yatra SBI Card?
A: The annual fee for the Yatra SBI Card is ₹499 + GST, which can be waived on spending ₹1 lakh annually.
Q: How can I earn reward points with the Yatra SBI Card?
A: You can earn 6 Reward Points per ₹100 spent on groceries, movies, departmental stores, entertainment, and dining. For all other spends, you earn 1 Reward Point per ₹100 spent.
Q: Does the Yatra SBI Card offer lounge access?
A: No, the Yatra SBI Card does not offer any lounge access benefits.
Q: What is the forex markup fee for international transactions?
A: The forex markup fee for international transactions is 3.5%.
Q: Are there any milestone benefits with the Yatra SBI Card?
A: Yes, the annual fee is waived if you spend ₹1 lakh or more in a year using this credit card.
Standard Chartered Ultimate Credit Card Features & Benefits
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4.7
Pros
- Unlimited complimentary access to domestic and international airport lounges.
- High reward rate of 5 points for every ₹150 spent.
- Comprehensive travel insurance and concierge services.
- Complimentary access to select golf courses and exclusive golfing events.
- 5% cashback on duty-free transactions.
- Lowest forex markup fee of 2%.
Cons
- High annual fee of ₹5,000 + GST.
- Limited Voucher Options.
- No milestone benefits.
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4.7
Pros
- Unlimited complimentary access to domestic and international airport lounges.
- High reward rate of 5 points for every ₹150 spent.
- Comprehensive travel insurance and concierge services.
- Complimentary access to select golf courses and exclusive golfing events.
- 5% cashback on duty-free transactions.
- Lowest forex markup fee of 2%.
Cons
- High annual fee of ₹5,000 + GST.
- Limited Voucher Options.
- No milestone benefits.
