SBI Card
Yatra SBI Credit Card
Annual Fee
₹589₹499 + GSTBase Reward
1% points
Foreign Markup
3.5% per conversion
Welcome Benefits
Yatra e-gift vouchers worth ₹8,250 after paying the membership fee.
Product Highlights
- Yatra E-gift vouchers worth ₹8250/- as welcome gift
- Get ₹1000 off on domestic flight bookings
- Get ₹4,000 off on international flight bookings
- Annual fee of ₹499 plus applicable taxes
- Enjoy 20% off on domestic hotels
- Annual fee waiver if you spend ₹1 lac
- Complimentary air accidental cover worth ₹50 lakhs
- 1% fuel surcharge waiver on fuel purchases across all petrol pumps in India
Category Rewards
dining
5X on dining, movies, grocery, departmental stores
5X
entertainment
5X on dining, movies, grocery, departmental stores
5X
grocery
5X on dining, movies, grocery, departmental stores
5X
Specialty
5X on dining, movies, grocery, departmental stores
5X
Fee Waiver
Annual and renewal fees can be waived if you spend ₹1 Lakh in a year.
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Yatra
6X on Yatra travel bookings
Reward Calculator
Earns ₹701/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
5.2K
SBI Reward Points
₹1.3K
via standard · ₹0.25/pt
Effective rate
0.67%
Annual fee
₹589
Year 1 net
+₹701
Year 2+ net
+₹701
ongoing
Adjust your spend by reward bucket
3 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹3,000 fuel txns · capped at ₹100/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 6 Reward Points per ₹100 spent on Movies, Groceries, Entertainment, Departmental Stores, and Dining. Earn 1 Reward Point per ₹100 on all other spends.
- 1 RP = ₹0.25
Benefits & Features
Get ₹1,000 off on domestic flight bookings on min transaction of ₹5,000 and ₹4,000 off on international flight bookings on min transaction of ₹40,000.
Pros & Cons
Pros
- Welcome benefit of ₹8,250 in Yatra vouchers
- High reward rate of 6 points on travel-related spends
- Annual fee waiver on ₹1 lakh spend
Cons
- Lower reward rate of 1 point on all other spends
- Redemption fee of ₹99 per request
Additional Info
Important note 1
Note 2
Reward Point limit is capped at 5000 points per calendar month.
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Annual and renewal fees can be waived if you spend ₹1 Lakh in a year.