Yatra SBI Credit Card Review: Complete 2026 Guide
- Quick Verdict
- Card at a Glance
- Fees & Welcome Benefits
- Reward Point System Explained
- Travel & Lounge Benefits
- Milestone Benefits & Fee Waivers
- Pros & Cons
- Who Should Get This Card?
- Final Conclusion
Quick Verdict
- Is it good? Yes, it offers decent rewards and travel benefits.
- Reward rate? Ranges from 0.5% to 4% based on categories.
- Best for? Frequent travelers and dining enthusiasts.
Card at a Glance
| Feature | Details |
|---|---|
| Annual Fee | ₹2,999 + GST |
| Joining Fee | ₹2,999 + GST |
| Reward Rate | 0.5% – 4% |
| Welcome Benefit | ₹3,000 e-gift Voucher |
| Lounge Access | Domestic: 2/Qtr, International: 4 (Max: 2/Qtr) |
| Milestone Benefits | Up to ₹7,000 vouchers annually |
Fees & Welcome Benefits
The Yatra SBI Credit Card comes with an annual fee of ₹2,999 + GST. This fee can be waived if you spend more than ₹3 lakhs in a year. The joining fee is the same as the annual fee, which means you’ll need to shell out ₹2,999 + GST upfront.
As a welcome benefit, you receive a ₹3,000 e-gift voucher, which can be used for bookings on Yatra.com. This is a great way to kickstart your travel plans!
Reward Point System Explained
The reward point system of the Yatra SBI Credit Card is designed to cater to various spending habits. Here’s a detailed breakdown:
| Category | Reward Rate | Cap |
|---|---|---|
| Dining | 2.5% | Up to ₹1,000/month |
| Groceries | 2.5% | Up to ₹1,000/month |
| Travel (Yatra) | 4% | No cap |
| Other spends | 0.5% | No cap |
In our experience, the 4% reward rate on travel bookings through Yatra is particularly attractive for frequent travelers. However, the capped rewards on dining and groceries can be a downside for those who spend heavily in these categories.
Travel & Lounge Benefits
Travel enthusiasts will appreciate the lounge access benefits that come with the Yatra SBI Credit Card. You get:
- Domestic Lounge Access: 2 visits per quarter.
- International Lounge Access: 4 visits per year (maximum of 2 per quarter) through the Priority Pass program.
These benefits can significantly enhance your travel experience, especially during long layovers. However, it’s important to note that the Priority Pass expires in two years, so make sure to utilize it within that timeframe.
Milestone Benefits & Fee Waivers
The Yatra SBI Credit Card also offers milestone benefits that can add value to your overall experience:
- Spend ₹50,000 in a calendar quarter to receive a ₹1,000 Pizza Hut voucher.
- Spend ₹5 lakhs in a year to earn a ₹7,000 voucher for Yatra or Pantaloons.
These milestone benefits can effectively reduce your overall spending, making the card more rewarding for those who can meet these targets.
Pros & Cons
| Pros | Cons |
|---|---|
| Decent reward rate on dining, groceries, departmental stores & movies (2.5%) | Reward points capped on accelerated categories |
| Milestone benefits offer additional value (~2% quarterly, ~1.4% annually) | Redemption fee of ₹99 per request for statement credit |
| Complimentary Club Vistara Silver membership | Priority Pass expires in 2 years |
| Complimentary Trident Privilege Red Tier Membership | Lounge benefits apply only to primary cardholder |
| Golf benefits available for Mastercard holders | Bookmyshow benefit only available for Visa cardholders |
Who Should Get This Card?
The Yatra SBI Credit Card is ideal for:
- Frequent travelers who book through Yatra.com.
- Foodies who dine out often and can maximize the 2.5% reward rate.
- Individuals looking for milestone benefits to offset annual fees.
However, if you primarily spend on online shopping or prefer cashback, you might want to consider alternatives like the SBI Central Review or SBI OLA Money Review.
Final Conclusion
Bottom line, the Yatra SBI Credit Card Review shows that this card is a solid choice for those who travel frequently and dine out often. With a decent reward rate, attractive milestone benefits, and complimentary memberships, it offers good value. However, the capped rewards and fees for redemption should be considered before applying. If you fit the target audience, this card could be a great addition to your wallet!
For more information, check out the official SBI Card website or visit CardExpert for expert reviews.