Yatra SBI Credit Card
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Community Consensus
Consensus Note: Yatra SBI Credit Card issued by SBI Card remains a flagship choice for Yatra Bookings & Travel Discounts. Verified user discussions highlight strong yields on spending thresholds.
At-A-Glance Quick Facts
AI Verdict CredSutra Engine
Synthesized objective algorithmic score
The Yatra SBI Credit Card issued by SBI Card offers competitive value for Yatra Bookings & Travel Discounts. Audit your monthly spending against its ₹499 + GST fee structure.
Key Trade-offs & Considerations
- ⚡ Annual fee of ₹499 + GST
- ⚡ Lounge access policy: None or varies by variant
- ⚡ Reward rate: 1.5% online, 1 Reward Point per ₹100 Travel
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: The Yatra SBI Credit Card is a co-branded travel card tailored for frequent travelers booking through Yatra.com. With travel vouchers worth ₹8,250 as a welcome benefit and direct discounts on flights and hotel bookings, it offers immediate value to travel enthusiasts. However, for non-Yatra spends, the rewards rate is rather basic.
Pros
- Stellar Travel Welcome Package: Generous welcome vouchers worth up to ₹8,250 redeemable on Yatra.com.
- Instant Travel Savings: Direct, ongoing discounts on domestic and international flight bookings.
- Enhanced Air Miles Value: Points are valued at a higher rate of 0.50 Air Miles per point compared to cash redemption.
Cons
- Discontinued for New Users: No longer open for fresh applications, making it a legacy card for existing holders only.
- Poor Non-Travel Yield: Spending outside of travel and select partner categories yields low rewards.
- Common Exclusions Apply: Does not earn any points on rent, fuel, or wallet loads, with strict caps on utility transactions.
Reward Spends & Categories
Understanding how your card earns is critical to maximizing your monthly budget. The Yatra SBI Credit Card delivers a reward yield of 1.5% online, 1 Reward Point per ₹100 Travel with the following earning rates per category:
| Category Spend | Earning Rate / Reward Points |
|---|---|
| ✈️ Flights & Hotels | 1 Reward 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
Airport Lounge & Travel Perks
Lounge accessibility is currently one of the most volatile card benefits in India. This card offers: None or varies by variant.
[!TIP] With multiple banks implementing quarterly spend-based criteria, make sure you meet the baseline thresholds in the preceding quarter to prevent lounge access declines at the terminal.
Data Verification
- Verification Tier: LIVE_VERIFIED
- Editorial Feeds: 5 Articles
- Last Status Update: 2026-06-19
For official terms, interest rates, and applications, refer to the Bank Reference Page.