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SBI · Visa

Club Vistara SBI Card PRIME

Take Off With Rewards. Land With Experiences.

Annual fee
₹2,999
Forex markup
Lounges (Dom/Intl)
8 / 4
Welcome benefit

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: 0.50% travel · 0.50% dining · 0.50% base.

Net steady-state return
₹1 /year
0.50% effective · ₹2,999 fee
Annual reward earned₹3,000
Annual fee−₹2,999
Joining fee (year 1 only)−₹2,999
Marginal — close to break-even.

You need around ₹49,983/month at this category mix to actually beat the fee. If your real spend is below that, look at a lifetime-free alternative.

vs Vetta Credit Card

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

Metric
Club Vistara SBI Card PRIME
Vetta Credit Card
Annual fee
₹2,999
₹2,999
Annual reward
₹3,000
₹3,000
Net /year (steady)
₹1
₹3,000
Forex markup

Tools for Club Vistara SBI Card PRIME holders

Frequently asked

Is the Club Vistara SBI Card PRIME worth the ₹2,999 fee?

It depends on your spend. The Club Vistara SBI Card PRIME earns 0.5% base reward. Use the break-even calculator above to see your specific number.

What is the eligibility for Club Vistara SBI Card PRIME?

SBI hasn't published a hard minimum income for Club Vistara SBI Card PRIME. 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.