Yatra SBI Card
Verified by Grofi • 2026
Best for Discount Flight Portals
Visa NetworkIssued by SBI Bank

Yatra SBI Card

The Yatra SBI Card delivers direct, upfront promo code discounts on flights and domestic hotel bookings. With an entry-level fee of ₹499 and welcome vouchers valued over ₹8,000, it targets holidaymakers who book vacation packages through online travel aggregators.

4.8 / 5.0Grofi Rating
2,800+ Checked This Month
Zero Hard Inquiry
Annual Fee₹499 + GSTWaiver available
Joining Fee₹499 + GSTOne-time fee
Reward ValueFlat travel booking discounts and 6X points on dining and grocerySBI Reward Points
Lounge AccessNot availableAirport Privileges
100% Paperless Digital ApplicationNo Hidden Processing FeesQuick V-KYC within 5 Minutes
GROFI EDITORIAL VERDICT

Why We Recommend The Yatra SBI Card

An aggressive discount card that delivers outsized upfront flight and hotel discounts for a modest ₹499 fee.

Best Suited For

Occasional domestic vacationers and holidaymakers who book flights via aggregator sites.

Welcome Gift & Activation Benefits

Bonus Value
Yatra vouchers worth ₹8,250 on joining (₹1,000 off domestic flights, ₹4,000 off international flights, ₹2,000 off domestic hotels, ₹1,250 off holiday packages).

* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.

Benchmark Score

Grofi Expert Rating

9.4/ 10
Reward & Return Value9.6 / 10
Airport Lounge & Travel9.4 / 10
Fee-to-Value Ratio9.1 / 10
Ecosystem & Merchant Offers9.3 / 10
Independent Methodology

Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.

ESTIMATED VALUE CALCULATOR

How Much Can You Save with the Yatra SBI Card?

Adjust your expected monthly card spends to calculate your real annual rewards and net savings.

₹50,000
₹10,000 / mo₹1,00,000 / mo₹2,50,000+ / mo
40% of spends

Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.

Official Reward Rate SpecsSBI Reward Points
Base Spends1 Reward Point per ₹100 spent on regular non-travel expenses (0.25% return)
Accelerated Spends6 Reward Points per ₹100 on dining, grocery, departmental stores, movies, and international spends

* Reward Point Value: ₹0.25 on statement credit or travel bookings.

Projected Annual Net Yield
Net Annual Savings & Value
₹12,810

Based on annual spending of ₹6,00,000.

Gross Reward Value+₹12,810
Annual Renewal FeeWaived (₹0)
Estimated Reward Points~25,620 SBI Reward Points
Fee Waiver Achieved! Your spends surpass the annual waiver threshold, making your annual renewal ₹0.
TRANSPARENT PRICING

Fees & Charges Breakdown for Yatra SBI Card

Zero hidden costs. Complete fee schedule verified with SBI Bank official guidelines.

Joining Fee
₹499 + GST

One-time fee charged on the first statement

Annual / Renewal Fee
₹499 + GST

Billed annually starting from the 2nd year

Spend-Based Fee Waiver
Waived on annual spends of ₹1,00,000 or more

Annual fee reversed upon crossing this spend milestone in the preceding card year

Forex Markup Fee
3.50% + GST

Charges applicable on foreign currency transactions and cross-border payments

Finance Charges (APR)
3.60% p.m. (43.2% p.a.)

Standard interest rate on revolving card balances

Cash Advance Fee
2.5% (Min. ₹500)

Fee on ATM cash withdrawals via credit card

Interest-Free Period
Up to 50 Days

From the first day of billing cycle till due date

How to Avoid the Annual Fee:Waived on annual spends of ₹1,00,000 or more
Statutory Goods & Services Tax (GST):Government Goods and Services Tax (GST) of 18% is applicable over and above all credit card fee components and finance charges.
TRAVEL & LUXURY PRIVILEGES

Airport Lounge Privileges on the Yatra SBI Card

Experience gourmet dining, quiet workspaces, and premium comforts before every flight.

India Terminals
Domestic Airport Lounge Access

Not available

Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.

Complimentary buffet, beverages, high-speed Wi-Fi, and plush seating
Swipe ₹2 (Visa/Mastercard) or ₹25 (RuPay) authorization fee at entry
Operated via Visa Lounge Program & DreamFolks Network
Worldwide Terminals
International Lounge Access

Not available

Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.

Priority Pass / LoungeKey / DreamFolks Global membership supported
Guest privileges available as per card tier specifications
Worldwide access network via Priority Pass or DragonPass
KEY CARD HIGHLIGHTS

What Makes Yatra SBI Card Stand Out?

Discover the top benefits, special offers, and protections engineered into this card.

Feature #1

Flat ₹1,000 off on domestic flights (min spend ₹5,000) using specific promo codes.

Feature #2

Flat ₹4,000 off on international flights (min spend ₹40,000).

Feature #3

20% off on domestic hotel bookings (up to ₹2,000 discount, min spend ₹3,000).

BALANCED EDITORIAL ASSESSMENT

Pros & Cons of the Yatra SBI Card

An honest, transparent evaluation of strengths and limitations before you submit your application.

What We Love (Pros)

3 Advantages
  • Welcome voucher bundle drastically exceeds the ₹499 fee.
  • Instant upfront ticket discount codes usable throughout the year.
  • 6X points on everyday departmental and dining categories.

Things to Consider (Cons)

3 Limitations
  • No airport lounge privileges included.
  • Discounts only apply when booking through the Yatra portal using designated promo codes.
  • Hotel discount has a cap of ₹2,000 per booking.
Independent Editorial Policy: Grofi never charges consumers for recommendations. All reviews are unbiased.
ELIGIBILITY CRITERIA

Who Can Apply for the Yatra SBI Card?

Review minimum income, credit score thresholds, and essential verification documents.

Minimum Income
₹20,000/month

Net in-hand monthly or annual earnings

Age Requirement
21 – 65 Years

Primary applicant (18+ for add-ons)

Employment Profile
Salaried or Self-Employed

With continuous employment proof

Residential Status
Resident Indian

With valid Indian address proof

Recommended Credit Score (CIBIL / Experian)

700+ Score Recommended

High Approval
300 (Poor)650 (Fair)750 (Good)900 (Excellent)

Applicants with a credit score of 700 or higher enjoy fast-tracked approval and preferential credit limits from SBI Bank.

Documents Required

100% digital paperless verification via Video KYC. Keep these documents ready:

Identity & Address Proof

Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.

PAN Card

Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.

Proof of Income

Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.

Zero CIBIL Impact Soft Check
FREQUENTLY ASKED QUESTIONS

Everything You Need to Know About Yatra SBI Card

Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.

ALTERNATIVE CARDS

Explore Similar Cards from SBI Bank

Compare rewards, annual fees, and airport lounge perks across alternative options.

SBI BankVisa
Air India SBI Signature Card
High-Mileage Accumulator

Air India SBI Signature Card

A heavy-duty points generator for flyers loyal to Air India and the global Star Alliance network. Offering up to 30 Flying Returns reward points per ₹100 spent on Air India ticket purchases for self-travel, it is engineered to rapidly fund award ticket redemptions.

Annual Fee₹4,999 + GST
Reward RateUp to 30 Flying Returns points per ₹100 spent on Air India tickets
SBI BankVisa
BPCL SBI Card (Standard)
Budget Fuel Pick

BPCL SBI Card (Standard)

The standard BPCL SBI Card offers an accessible entry point for fuel savings. Providing 4.25% value-back on petrol and diesel purchases at BPCL pumps with an easily achievable annual fee waiver threshold of ₹50,000, it is well suited for daily two-wheeler riders and modest commuters.

Annual Fee₹499 + GST
Reward Rate4.25% value-back on BPCL petrol and diesel purchases
SBI BankVisa
IndiGo SBI Card (Standard)
Accessible Air Travel

IndiGo SBI Card (Standard)

An accessible airline credit card providing steady earnings for regular IndiGo travelers. Cardholders receive 2.5% value back in BluChips on flight bookings, supported by quarterly domestic airport lounge access.

Annual Fee₹1,500 + GST
Reward Rate2.5% BluChips on IndiGo ticket purchases
Instant Digital Verification

Ready to Apply for the Yatra SBI Card?

Check your pre-approved credit limit and instant approval eligibility across SBI Bank with 100% paperless verification and zero score impact.

100% Free ServiceNo CIBIL Score Impact256-Bit Bank Grade Encryption