Our Money Guide

By: OurMoneyGuide || Last updated on: May 16, 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

Our View :

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.

Yatra SBI Credit Card

on SBI Cards website

SBI Yatra Credit Card

Special Benefits

Upto 20% discount on domestic flights & hotels

Other Important Benefits

Upto 10% discount on international flights

Minimum Income

Not specified

Annual Fee

₹ 499

Annual Fee Offers

Welcome Offer worth ₹8,250

Renewal fee waiver at ₹1 lakh annual card spend

Pros and 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 ₹8,000

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

Comparison Of Yatra SBI Credit Card With Other Travel Credit Cards

Features
SCB EaseMyTrip Credit Card
Our Rating
       
APPLY NOW
Cashback Rates 0.5% – 2.5%

Other benefits Bus Ticket Benefits

Annual Fee ₹199 + taxes

Annual Fee Offers Annual Fee Reversal on meeting ₹50,000 spends

Minimum Income Not Specified

Features & Benefits of the Yatra SBI Credit Card

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

✔︎ ₹1000 discount (upto 20%) on domestic flight bookings – on Yatra website/app

– You get a ₹1000 discount on minimum flight booking amount 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

✔︎ ₹4000 discount (upto 10%) on international flight bookings – on Yatra website/app

– 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%.

✔︎ 20% discount (upto ₹2000) on domestic hotel bookings – on Yatra website/app

– 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 

1.50% benefit on international card spends

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

Complimentary ‘air accident cover’ of ₹50 lakhs

SBI Card customer care

3 lifetime-free add-on cards 

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 for Yatra SBI Card

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 entry level travel card.

Apply Now

on SBI Cards website

Frequently Asked Questions

Can I use my Yatra SBI Credit Card internationally, and are there any charges for foreign currency transactions?

Yes, you can use your Yatra SBI Credit Card for international transactions. However, please note that foreign currency transactions will attract foreign currency markup fees of 3.50% on the value of all foreign transactions.

Is there a limit on the number of reward points I can earn in a given period using my Yatra SBI card?

Yes, there is an upper limit on accelerated rewards, i.e 5000 reward points on international spends , and also spends at departmental stores, grocery, dining, movies, entertainment spends. However, there is no upper limit on the number of non-accelerated reward points you can earn with the SBI Yatra Credit Card.

How can I redeem the reward points earned with my Yatra SBI Credit Card?

You can easily redeem your reward points for Yatra travel vouchers, and use them to book flights, hotels, holidays or other travel-related services on Yatra.com.