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SBI · Visa

Club Vistara SBI Card

Take Off With Rewards. Land With Experiences.

Annual fee
₹1,499
Forex markup
Lounges (Dom/Intl)
4 / —
Welcome benefit
₹5,000

Is this card worth it for you?

Drag the sliders to match your spend. The number on the right updates live.

Monthly spend₹50,000
% on travel15%
% on dining10%

Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.38% travel · 0.38% dining · 0.38% base.

Net steady-state return
₹2,280 /year
0.38% effective · fee waived
Annual reward earned₹2,280
Welcome benefit (year 1)One-time₹5,000
Annual fee₹0 (waived)
Joining fee (year 1 only)−₹1,499
Strong fit at this spend.

After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.

vs Doctor's SBI Card

At ₹50,000/month with 15% travel and 10% dining.

Metric
Club Vistara SBI Card
Doctor's SBI Card
Annual fee
₹1,499
₹1,499
Annual reward
₹2,280
₹1,500
Net /year (steady)
₹2,280
₹1,500
Forex markup

Tools for Club Vistara SBI Card holders

Frequently asked

Is the Club Vistara SBI Card worth the ₹1,499 fee?

It depends on your spend. The Club Vistara SBI Card earns 0.38% base reward and waives the annual fee at ₹5,00,000 of yearly spend. Use the break-even calculator above to see your specific number.

What is the eligibility for Club Vistara SBI Card?

SBI hasn't published a hard minimum income for Club Vistara SBI Card. Approval depends on credit score, existing relationship, and employment type.

Verified 38 days agolikelySource: www.sbicard.com

Reward rates and fees are sourced from SBI's product page and may change. Always confirm with the card issuer before applying.