Club Vistara SBI Card
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Community Consensus
Consensus Note: Club Vistara SBI Card issued by SBI Card remains a flagship choice for Vistara Flights & Airline Milestones. Verified user discussions highlight strong yields on spending thresholds.
At-A-Glance Quick Facts
AI Verdict CredSutra Engine
Synthesized objective algorithmic score
The Club Vistara SBI Card issued by SBI Card offers competitive value for Vistara Flights & Airline Milestones. Audit your monthly spending against its ₹1,499 + GST fee structure.
Key Trade-offs & Considerations
- ⚡ Annual fee of ₹1,499 + GST
- ⚡ Lounge access policy: 4 complimentary domestic lounge visits per year (1 per quarter)
- ⚡ Reward rate: 1 CV Point per ₹100 spends + Milestone Tickets
Key Benefits & Characteristics
Category Rewards Multiplier Matrix
| Spend Category | Earning Multiplier / Return Rate |
|---|---|
| flight Travel & Flights | 2% to 5% points |
| shopping_cart Online Shopping & SaaS | 1% to 5% cashback |
| storefront Offline Retail Stores | 1% reward points |
| account_balance Government & Tax Pay | 0.5% (Caps apply) |
| house Rent & Wallet Loads | Excluded / 1% surcharge |
receipt_long Fee & Surcharge Breakdown
Detailed Analysis & Review
Community Verdict
[!NOTE] Our Take: A solid mid-tier travel credit card providing direct access to complimentary flight tickets via spend milestones. While the Vistara-Air India integration creates some transition uncertainty, its 1 CV Point per ₹100 spend and lounge access package offer high returns for air travelers.
Pros
- Milestone Economy Tickets: Get up to 3 complimentary domestic economy tickets upon hitting annual spend targets.
- Direct CV Points: Earn 1 CV Point per ₹100, which has higher value redemption options for flights.
- Lounge Access: Provides 4 domestic lounge visits per year (1 per quarter).
Cons
- Merger Uncertainty: Ongoing Vistara-Air India merger details may lead to devaluations of CV points.
- Surcharges on Rent: Charges a 1% surcharge on rent pay transactions with zero points.
- Utility and Wallet Exclusions: Fuel, utilities, and wallets earn zero points.
Reward Spends & Categories
Understanding how your card earns is critical to maximizing your monthly budget. The Club Vistara SBI Card delivers a reward yield of 1-1.5% Rewards (varies by category) with the following earning rates:
| Category Spend | Earning Rate / Reward Points |
|---|---|
| ✈️ Flights & Hotels | 1 CV Point per ₹100 |
| 🛍️ Online Shopping | 1.5% rewards online |
| 🛒 Offline / Retail Spends | 1% flat retail |
| 🏛️ Government Spends | 0% (Government transactions excluded) |
| 🏠 Rent Transactions | 0% (1% fee capped at ₹250 + GST) |
Reward Point Redemption Value
When redeeming your accumulated points, select the highest value redemption channel:
- Cash / Statement Credit: Value of 1 Point = ₹0.25
- Airmiles (Flight Transfers): Value of 1 Point = 0.50 Airmile per point
- Cash Vouchers (Brand Catalog): Value of 1 Point = ₹0.25 (Note: CV Points can be redeemed for flight tickets directly at higher value yields up to ₹1 per point)
Airport Lounge & Travel Perks
Lounge accessibility is currently one of the most volatile card benefits in India. This card offers: 4 complimentary domestic lounge visits per year (1 per quarter).
[!TIP] Keep an eye on quarterly spend thresholds to make sure your card eligibility for complimentary entry is verified before check-in.
Data Verification
- Verification Tier: LIVE_VERIFIED
- Editorial Feeds: 5 Articles Analysed
- Last Status Update: 2026-06-19T21:50:00.000Z
For official terms, interest rates, and applications, refer to the Bank Reference Page.