By: OurMoneyGuide || Last updated on: June 19, 2024

Yatra SBI Credit Card is a co-brand card between 2 leading institutions, SBI Cards & Yatra, hence you get special benefits on Yatra travel bookings – hotel bookings & flight tickets. You also get an attractive welcome offer from Yatra, and accelerated benefits on a variety of credit card spends. Overall it is a good starter travel card.

Brief Summary

Our Rating

4.0 / 5

You get upto 20% discount on domestic hotel and flight bookings, and upto 10% discount on international flight bookings.

The annual fee is ₹499. 1st year annual fee is compensated by welcome offers, while the annual fee from second year onwards is waived off , if you spend ₹1 lakh or more in the previous year. So it is a good starter travel card option.

Pros & Cons of Yatra SBI Credit Card

Pros

  • Attractive discounts on hotels & flights
  • Complimentary air accident cover worth ₹50 lakhs
  • Attractive Yatra welcome offer of over ₹8000

Cons

  • You are restricted to Yatra travel platform, to avail travel discounts
  • Not suitable for those travellers who prefer to travel by train and bus

Features & Benefits of the Yatra SBI Credit Card

Discount offers on flight and hotel bookings – on Yatra website/app

✔︎ Domestic flight bookings on Yatra : ₹1000 discount (upto 20%) on minimum flight booking of ₹5000
– Hence, you get a 20% discount if the flight booking amount is ₹5000.
– The discount percentage falls as the booking amount increases above ₹5000.

Lets take below examples to help understand this better –
1. You make a domestic flight booking of ₹4000 : you do not get any discount since the minimum hotel booking amount to qualify for Yatra discount is ₹5000.
2. You make a domestic flight booking of ₹5000 : You get 20% discount, which is ₹1000
3. You make a domestic flight booking of ₹10,000 : You get 10% discount, since the maximum discount is restricted to ₹1000

✔︎ International flight bookings on Yatra : ₹4000 discount (upto 10%) on minimum flight booking of ₹40,000

– You get a ₹4000 discount on minimum flight booking amount of ₹40,000.
– Hence, you get a 10% discount if the flight booking amount is ₹40,000.
– The discount percentage falls as the booking amount increases above ₹40,000. For example, if the flight booking amount is ₹80,000, you get the maximum ₹4000 discount, and your discount percentage falls to 5%.

✔︎ Domestic hotel bookings on Yatra : 20% discount (upto ₹2000) on hotel bookings between ₹3000 and ₹10,000

– You get a 20% discount (upto maximum ₹2000), on minimum hotel booking amount of ₹3000.
– Hence you get a 20% discount on hotel bookings between ₹3000 and ₹10,000.
– On booking amounts above ₹10,000, the discount percentage falls below 20%.

(You can avail above discount offers maximum 6 times a year, by using a specified discount code on Yatra)

1.50% benefit on following card spends – departmental stores || grocery || dining || movies || entertainment 

You earn 6 reward points worth ₹1.50, on every ₹100 you spend in these categories.

1 reward point = ₹0.25 (25 paise), and can be redeemed on SBI’s rewards redemption plaform for Yatra vouchers. For example, if you have 1000 reward points, you can redeem them for Yatra vouchers worth ₹250. Reward points have a validity of 2 years. Click here for details.

This benefit is valid only on total spends of upto ₹83,333 per month across these categories, since you can earn a maximum of 5000 reward points at this special rate in your monthly card statement cycle.

1.50% benefit on international card spends

You earn 6 reward points worth ₹1.50, on every ₹100 you spend on international card transactions.

1 reward point = ₹0.25 (25 paise), and can be redeemed on SBI’s rewards redemption plaform for Yatra vouchers.

This benefit is valid only on total spends of upto ₹83,333 per month, since you can earn a maximum of 5000 reward points at this special rate in your monthly card statement cycle.

0.25% benefit on all other card spends

You earn 1 reward point worth ₹0.25, on every ₹100 you spend on all other purchases.

Fuel surcharge waiver, upto 100 per month

You get a 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹10,000 per month  (since the waiver amount is capped at ₹100 per monthly card statement cycle)

Complimentary ‘air accident cover’ of ₹50 lakhs

You get an air accident cover of ₹50,00,000 from the New India Assurance Co. Ltd., only applicable to the primary cardholder. The cover applies to accidental death in aircraft, scheduled airlines, etc., and requires ticket purchase with the Yatra SBI Credit Card.

SBI Card customer care

Please click here for all the options to contact the bank for various issues and escalations, including-
– Lost and stolen cards : you can block on your mobile app or internet banking OR through SMS option OR by calling customer care
– Complaints and grievances : including steps on how to escalate to higher levels in case your issue is not resolved
– Raise and manage disputes

3 lifetime-free add-on cards 

You can get add-on cards for your parents, spouse, children or siblings above the age of 18 years. For more details, and important terms and conditions, please click here.

Yatra SBI Credit Card Fees and Charges

Annual fee & annual fee offers


Annual feeAnnual fee offers
1st year joining fee₹499Welcome offer : On payment of 1st year annual fee, you receive Yatra.com vouchers worth ₹ 8,250. The vouchers include :
– 2 domestic travel vouchers worth ₹500 each
– 2 international travel vouchers worth ₹1,000 each
– 1 hotel booking voucher worth ₹750
– 1 domestic holiday voucher worth ₹1,500, and
– 1 international holiday voucher worth ₹3,000

– Welcome vouchers will be sent after payment of the 1st year annual fee.
– Please click here for all  terms and conditions.
Renewal fee from 2nd year onwards₹499Renewal offer Annual fee is not charged from the second year onwards , if you spend  ₹1 lakh or more in the previous year

Hence the SBI Yatra card is virtually lifetime free if you spend ₹1 lakh or more each year.

Late payment fee

Late payment fees depends on the total payment due.

Payment amount dueLate fee
Less than ₹500Nil
₹501 to ₹1000₹400
₹1001 to ₹10,000₹750
₹10,001 to ₹25,000₹950
₹25001 to ₹50000₹1100
Over ₹50000₹1300

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – SBI Yatra Credit Card Fees and Charges

Eligibility Criteria

Minimum age21 years
Maximum age60 years
Occupation Salaried or self-employed
Minimum income requirementsNot specified
Credit scorePreferably above 750

Application Process

Online application process
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the SBI Card website. You can also visit official website of SBI Card and fill out the application form.

– The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.
– To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents.
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Approval timeline and processIn most cases, the credit card decision would be communicated within 15 working days. In certain cases, it could take longer, especially if the bank wants more information and documents from you.

Click here to track the status of your SBI Bank’s Credit Card application.

Necessary documents and verification

Required documents
Proof of identity (any one from below) and residential proof (any one from below):
– Voter ID card
– Driver’s licence
– Passport
– Job card issued through NREGA
– Letter given by ‘National Population Register’
– Utility bill (not more than two months old)
– Receipt of municipal or property tax
– Pension letter

PAN card

Proof of income : Salary slip, income tax return etc.,

In addition to these, you may be asked to provide additional documents on a case to case basis.

Conclusion

Yatra SBI Credit Card is a good entry level travel credit card. It gives good discounts on both air travel as well as hotel bookings, and also gives benefits on spends in a variety of categories like departmental stores, grocery, dining, movies and entertainment spends .

The annual fee is not high and the annual spend requirement to make the card virtually free is also not very high. Moreover, Yatra SBI card has a very attractive joining offer. In conclusion, it is a good starter travel card.