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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 which can be converted to Yatra vouchers – which makes this card a good entry-level travel card option for frequent travellers.

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 this is a one of the best entry level travel cards available.

Yatra SBI Credit Card

on SBI Cards website

SBI Yatra Credit Card

Special Benefits

20% discount on domestic flights & hotels

Other Important Benefits

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

SBI Yatra Credit Card : Summary Table

20% discount on domestic hotel bookings – on Yatra website/app


Upto 20% discount on domestic flight bookings – on Yatra website/app


Upto 10% discount on international flight bookings – on Yatra website/app

20% discount on domestic hotel bookings on Yatra – upto ₹2,000 per month
– You get a 20% discount on domestic hotel bookings on Yatra , on bookings between ₹3,000 and ₹10,000 (since discount is applicable only on minimum hotel booking amount of ₹3,000, and maximum discount is ₹2,000).
– On booking amounts above ₹10,000, the discount% will fall below 20%.

Upto 20% discount on domestic flight bookings on Yatra – upto ₹1,000 per month
– You get a ₹1,000 discount on minimum flight ticket amount of ₹5,000.
– Hence, you get a 20% discount if the flight booking amount is ₹5,000, but the percentage of discount falls as the ticket amount increases above ₹5,000.

Upto 10% discount on international flight bookings on Yatra – upto ₹4,000 per month
– You get a ₹4,000 discount on minimum flight ticket amount of ₹40,000.
– Hence, you get a 10% discount if flight booking amount is ₹40,000, but the percentage of discount falls as the ticket amount increases above ₹40,000.

You can avail above discounts maximum 6 times a year on Yatra (by using promo code – Travel)
1.50% benefit on departmental stores, grocery, dining, movies, entertainment spendsYou earn 6 Reward Points worth ₹1.50, on every ₹100 you spend at departmental stores, grocery, dining, movies, and entertainment – only on total combined spends 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).
1.50% benefit on international spendsYou earn 6 Reward Points worth ₹1.50, on every ₹100 you spend on international spends – only on upto ₹83,333 spend per month (since you can earn a maximum of 5000 reward points at this special rate, in your monthly card statement cycle).
0.25% basic benefit on all other spendsYou earn 1 reward point worth  ₹0.25,  on every ₹100 you spend on all other purchases.
1% fuel surcharge waiverYou get a 1% fuel surcharge waiver at all fuel stations across India :
– only on fuel transactions between ₹500 and ₹3,000 AND
– only on fuel spends upto ₹10,000 per month  (since the waiver amount is capped at  ₹100 per monthly card statement cycle)
₹499 annual feeAnnual fee offers
Welcome offer worth Rs. 8,250 : You get multiple Yatra.com vouchers worth Rs. 8250, upon payment of the 1st year’s annual fee.
Renewal offer : Annual fee is not charged from the second year onwards , if you spend ₹1,00,000 or more in the previous year.
Complimentary air accident coverYou get a complimentary air accident cover of ₹50,00,000.

Pros and Cons of Yatra SBI Credit Card

Pros

  • Attractive discounts on hotels & flights (10% – 20%).
  • Complimentary air accident cover worth ₹50,00,000, which provides peace of mind.
  • Attractive Yatra welcome offer of over ₹8,000

Cons

  • You are restricted to Yatra travel platform, to use special 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
       
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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

Full Review of the Yatra SBI Credit Card

Yatra SBI Credit Card

Features & Benefits of the Yatra SBI Credit Card

20% discount on domestic hotel bookings – on Yatra website/app

Earning rewards :
– You get a 20% discount on domestic hotel bookings on Yatra , on bookings between ₹3,000 and ₹10,000 (since discount is applicable only on minimum hotel booking amount of ₹3,000, and maximum discount is ₹2,000).
– On booking amounts above ₹10,000, the discount will fall below 20%

Lets take below examples to help understand this better –
1. You make a domestic hotel booking of ₹2,000 : you do not get any discount since the minimum hotel booking amount to qualify for Yatra discount is ₹3,000.
2. You make a domestic hotel booking of ₹5,000 : You get 20% discount, which is ₹1,000, since this hotel booking is between ₹3,000 and ₹10,000
3. You make a domestic hotel booking of ₹10,000 : You get 20% discount, which is ₹2,000, since this hotel booking is between ₹3,000 and ₹10,000
4. You make a domestic hotel booking of ₹20,000 : You get maximum discount of 2,000, and your percentage discount falls to 10%

Upto 20% discount on domestic flight bookings – on Yatra website/app

– You get a ₹1,000 discount on minimum flight ticket amount of ₹5,000.
– Hence, you get a 20% discount if the flight booking amount is ₹5,000, but the percentage of discount falls as the ticket amount increases above ₹5,000.

Upto 10% discount on international flight bookings – on Yatra website/app

– You get a ₹4,000 discount on minimum flight ticket amount of ₹40,000.
– Hence, you get a 10% discount if flight booking amount is ₹40,000, but the percentage of discount falls as the ticket amount increases above ₹40,000.

You can avail above discounts maximum 6 times a year on Yatra (by using promo code – Travel)

1.50% benefit on – departmental store || grocery || dining || movies || entertainment spends

Earning reward points : You earn 6 reward points on every ₹100 you spend on your card = ₹1.50 on every ₹100 you spend (since 1 reward point = ₹0.25 or 25 paise)

Redeeming reward points :
– You can redeem these rewards on SBI Card’s Rewards Platform, for Yatra.com vouchers.
– 1 reward point = ₹0.25 or 25 paise.
– For example, if you have 1000 reward points, you can convert them to get Yatra vouchers worth ₹250.
– You can access SBI Card’s  Rewards Platform through sbicard.com, SBI Cards mobile app, or Internet banking. Click here for details.

Other important information :
– The reward points earned on the card expire after two years from the date of earning.
– There is a redemption fee of ₹99 for each redemption.
– The minimum points required to do a redemption is 1,000 reward points.

Limits on earning special rewards :
– The maximum reward points given at this special earning rate is 5000 per month = ₹83,333.33 spend per month
– After the first ₹83,333.33 spent in this category during the monthly card statement cycle, you will earn basic benefit of 1 reward point worth ₹0.25 , on each additional ₹100 you spend.

0.25% basic benefit on all other spends

Earning reward points : You earn 1 reward point on every ₹100 you spend on your card = ₹0.25 (25 paise) on every ₹100 you spend. Since 1 reward point = ₹0.25 or 25 paise.

Limits on earning rewards : There is no limit

Redeeming reward points & other important information : same as explained in the above section

Other Benefits for Cardholders

1% fuel surcharge waiverYou get a 1% fuel surcharge waiver at all fuel stations across India :
– only on fuel transactions between ₹500 and ₹3,000 AND
– only on fuel spends upto ₹10,000 per month  (since the waiver amount is capped at  ₹100 per monthly card statement cycle)
– On fuel spends more than ₹10,000 per month , your surcharge waiver will fall below 1% , since waiver amount is capped at ₹100 per month
Complimentary air accident coverYou get an air accident cover of ₹50,00,000 from the New India Assurance Co. Ltd.
– The cover applies to accidental death in aircraft, scheduled airlines, etc., and requires ticket purchase with the Yatra SBI Credit Card.
– The insurance benefit is exclusive to the primary cardholder and cannot be claimed on multiple cards.
Claims must be reported to the insurance company within 90 days of the accidental death.
– Exclusions include pilots, armed forces, police, aircrew, delinquent cardholders, law violations, and deaths executed by someone other than the cardholder.
– The air accident cover applies only to the primary cardholder and for air tickets purchased on the Yatra SBI Card (excluding corporate cards).
24/7 customer supportPlease click here for all the options to contact the bank for various issues and escalations –
– Lost and Stolen cards: you can block on your mobile app or internet banking OR through the 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.
– Contact information: Phone numbers, email option
Security features of SBI Yatra CardChip and PIN technology – security for offline transactions : In the past, credit cards typically used a magnetic stripe located on the back of the card to store and transact data. However, the latest generation of credit cards includes a CHIP and PIN feature, which provides enhanced security. Only you know your PIN, so even if your card is lost, it is unlikely to be misused since BOTH the physical card and the PIN must be spent on the card.

Two-factor authentication – security for online transactions : When making an online transaction, you approve your online transaction by using a One-time Password (OTP) you get on your mobile phone. Since only you know the OTP, the card is unlikely to be misused unless someone has access to BOTH your card details AND your mobile phone. This ensures a safe online purchase experience.

SMS alerts and notifications – for both offline and online transactions : For your peace of mind, you get free SMS alerts and notifications for all your SBI Yatra card transactions. Hence you will know about all transactions on your card. In the unlikely scenario of misusing your SBI Yatra card, you would still get these alerts and notifications – which will help you immediately block your credit card.
Contactless paymentLook for the contactless network symbol on your card to determine if your credit card is contactless. In India, contactless payments are allowed for a maximum of ₹5000 for a single transaction without requiring a Credit Card PIN. For transactions equal to or higher than ₹5000, the cardholder must input their Credit Card PIN for security reasons.

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.
– You will receive the welcome voucher within 15 days of payment of the 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  ₹1,00,000 or more in the previous year

Hence the SBI Yatra card is virtually lifetime free if you spend ₹1,00,000 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 target 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.

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