The Club Vistara SBI Credit Card is designed for frequent travelers seeking luxury and rewards. It offers benefits like complimentary flights, milestone bonuses, and lounge access, along with a robust reward system for daily purchases. Ideal for those looking to enhance their travel experience with premium privileges.
Table of Contents
Introduction to Club Vistara SBI Credit Card
The Club Vistara SBI Credit Card is designed for frequent travelers who want to enjoy a luxurious experience while earning rewards on their daily purchases. With a wide range of benefits such as complimentary flights, milestone bonuses, and comprehensive insurance coverage, this card is tailored for those who love to travel in style and earn rewards along the way. Whether you’re flying for business or pleasure, this card offers a host of privileges that make every journey worthwhile.
Annual Fee and Charges
One of the first things you’ll want to know about any credit card is its fee structure. The Club Vistara SBI Credit Card comes with an annual fee of Rs. 1499, which is accompanied by applicable taxes. After the first year, there’s a renewal fee of Rs. 1499, but the perks you get from the card far outweigh these charges. An added bonus is that there is no add-on fee, meaning you can empower family members with additional cards at no extra cost.
Information in Table format
| Feature | Description | Real-Life Example |
|---|---|---|
| Introduction to Club Vistara SBI Credit Card | Designed for frequent travelers who want to enjoy luxury and earn rewards on daily purchases. | A business traveler using the card for flight bookings, hotel stays, and daily expenses to accumulate points for future travel. |
| Annual Fee and Charges | Annual fee: Rs. 1499, renewal fee: Rs. 1499, no add-on fee for family members. | A cardholder adds their spouse as a secondary user at no extra charge, helping both to accumulate CV points on everyday expenses. |
| Welcome Gift | Complimentary economy class ticket upon payment of the annual fee. | A new cardholder uses the free ticket for a family vacation, saving money on flight costs. |
| Reward Points System | Earn 3 CV points for every Rs. 200 spent on the card. | A frequent shopper earns CV points while grocery shopping, which they later redeem for a flight. |
| CV Points Redemption | Points can be redeemed for Air Vistara flights or with partner airlines. | A traveler redeems accumulated points for a business class upgrade on a Vistara flight to Europe. |
| Comprehensive Insurance Cover | Includes air accident cover (up to Rs. 50 lakhs), lost card liability (up to Rs. 1 lakh), and flight cancellation cover (up to Rs. 3,500 per year). | A cardholder feels safe knowing they have significant travel insurance when flying frequently for work or personal travel. |
| Milestone Benefits | Earn 1000 bonus CV points by spending Rs. 50,000 within 90 days of issuance. Free economy ticket at annual spend milestones of Rs. 1.25, 2.5, and 5 lakhs. | A cardholder reaches the Rs. 1.25 lakh spend milestone and receives a free economy class ticket for their next vacation. |
| Domestic Airport Lounge Access | 4 complimentary lounge visits per year (1 per quarter). | Before flying, a cardholder relaxes in an airport lounge with free refreshments and Wi-Fi access. |
| Complimentary Priority Pass Membership | Free Priority Pass membership (USD 99 value) for 24 months, providing access to global airport lounges. | While on an international trip, the cardholder uses their Priority Pass to access a lounge in Singapore’s Changi Airport. |
| Contactless Payment & Security Features | Contactless payment for secure, quick transactions. Chip and PIN technology ensures safety from fraud. | A cardholder quickly taps their card at a grocery store terminal for a contactless payment, minimizing contact and reducing transaction time. |
| Global Acceptance | Accepted at over 24 million outlets worldwide and 325,000 in India. | A cardholder confidently uses their card to pay for a hotel in Paris, knowing it’s accepted globally. |
| Add-on Cards for Family Members | No additional cost for add-on cards. Add family members over 18 as secondary cardholders. | A parent adds their 19-year-old child as an add-on cardholder, helping the child build credit while benefiting from the card’s rewards. |
| Cash Withdrawal and Bill Payment | Cash withdrawal available at 1 million ATMs globally. Bill payment features for utilities like electricity, telephone, and mobile. | A cardholder withdraws cash from an SBI ATM while traveling in another city, and later pays their phone bill directly from the card’s bill payment service. |
| Flexipay Feature | Convert large purchases into monthly installments. Can be activated within 30 days of purchase via the SBI Card portal. | A cardholder purchases a new TV and converts the amount into affordable EMIs using the Flexipay option. |
| Balance Transfer on EMI | Transfer balances from other credit cards to your Club Vistara SBI Card and repay via lower interest EMI options. | A cardholder transfers their balance from another high-interest credit card to save on interest payments by converting the balance into EMIs. |
| Fees and Payment Settlement | Fees include the annual/renewal fees. Payments made to the card are settled in a specific order. | A cardholder reviews the terms and conditions to understand how payments are applied toward interest, fees, and principal on their monthly statement. |
| Conclusion | A premium card designed for frequent travelers, offering rewards, milestone bonuses, lounge access, and comprehensive insurance coverage for a premium experience. | A traveler enjoys luxury benefits, such as free flight tickets and lounge access, making this card ideal for frequent business and personal travel. |
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Welcome Gift with Club Vistara SBI Credit Card
To make the deal even sweeter, new cardholders are treated to a complimentary economy class ticket as part of the welcome gift. Upon payment of the annual or renewal fee, you’ll receive an e-gift voucher that you can use to book a flight. This is a fantastic perk for frequent travelers who can save on their next trip simply by signing up for the card.
Reward Points System
One of the standout features of the Club Vistara SBI Credit Card is its reward points system. For every Rs. 200 spent using the card, you earn 3 CV (Club Vistara) points. Whether it’s your daily expenses or a large purchase, you’re constantly accumulating points that can be redeemed for flights and other travel-related benefits.
Club Vistara CV Points Redemption
Your CV points aren’t just for show—they can be redeemed on Air Vistara flights or with partner airlines, allowing you to maximize your travel rewards. These points offer flexibility, letting you choose how and when to use them, depending on your travel plans. This makes every purchase, whether small or large, a step toward your next flight.
Comprehensive Insurance Cover
The Club Vistara SBI Credit Card offers a comprehensive insurance package that ensures peace of mind while traveling. Here’s what you get:
- Air Accident Cover: Up to Rs. 50 lakhs, offering high-level protection for frequent fliers.
- Lost Card Liability: Up to Rs. 1 lakh, safeguarding you against fraudulent charges.
- Flight Cancellation Cover: Up to Rs. 3,500 for four cancellations per year, providing flexibility for unforeseen changes in travel plans.
Milestone Benefits
To further sweeten the deal, the Club Vistara SBI Credit Card rewards cardholders with milestone benefits. Spend Rs. 50,000 within 90 days of issuance, and you’ll earn 1000 bonus CV points. As you continue using the card, you’ll also receive a free economy class ticket at annual spending milestones of Rs. 1.25 lakhs, Rs. 2.5 lakhs, and Rs. 5 lakhs.
Domestic Airport Lounge Access
Enjoy some relaxation before your flight with complimentary access to domestic airport lounges. Cardholders are entitled to 4 complimentary visits per year, with a maximum of 1 per quarter. This perk allows you to enjoy premium lounge amenities while you wait for your flight.
Complimentary Priority Pass Membership
The Club Vistara SBI Credit Card also includes a complimentary priority pass membership valued at USD 99. This membership is valid for 24 months and gives you access to airport lounges worldwide, making your travel experience even more enjoyable.
Contactless Payment and Security Features
With the Club Vistara SBI Credit Card, you can take advantage of contactless payment technology, making everyday transactions quick, secure, and hassle-free. Simply wave your card at a secure reader, and the payment is done—no need to hand over the card or fumble with cash. Security features like chip and PIN technology ensure your transactions are safe from fraud.
Global Acceptance
The Club Vistara SBI Credit Card is accepted at over 24 million outlets globally, including 325,000 outlets in India. Whether you’re traveling domestically or abroad, you can trust that your card will be widely accepted, ensuring you never face issues during your travels.
Add-on Cards for Family Members
With no additional cost for add-on cards, you can empower your family members by providing them with add-on cards linked to your primary account. Parents, spouses, children, and even siblings over 18 can benefit from the card’s privileges, allowing your whole family to enjoy the perks.
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Cash Withdrawal and Bill Payment Facilities
The card offers cash withdrawal options at over 1 million ATMs globally, and in India, you can access funds from more than 10,000 SBI ATMs. Additionally, the Easy Bill Pay facility allows you to pay bills such as electricity, telephone, and mobile charges directly from your credit card account.
Flexipay Feature
If you make a large purchase using your Club Vistara SBI Credit Card, you can convert the amount into easy monthly installments using the Flexipay option. All you need to do is log onto the SBI Card portal and select the Flexipay option within 30 days of the transaction, making big expenses more manageable.
Balance Transfer on EMI
You can also transfer balances from other credit cards to your Club Vistara SBI Card, helping you save money with lower interest rates. Pay back the transferred balance in EMIs, reducing the financial strain of credit card debt.
Fees and Payment Settlement
Understanding the card’s fee structure is important. Besides the annual and renewal fees, you can find details about additional charges in the card’s terms and conditions. Payments made toward the card will be settled in a specific order of payment, ensuring proper management of your dues.
Conclusion
The Club Vistara SBI Credit Card is a travel-centric card that offers exceptional value for frequent travelers. With generous rewards, complimentary flights, milestone bonuses, and comprehensive insurance coverage, this card provides everything you need for a premium travel experience. If you frequently fly with Vistara or enjoy airport lounge access and priority pass privileges, this card is worth considering.
FAQs:
1. What is the annual fee for the Club Vistara SBI Credit Card?
The annual fee for the Club Vistara SBI Credit Card is Rs. 1499, which is charged in the first year. The renewal fee is also Rs. 1499, applicable from the second year onwards.
2. What welcome gift do I receive when I get the Club Vistara SBI Credit Card?
As a welcome gift, new cardholders receive a complimentary economy class flight ticket on Air Vistara. This is provided once you pay the annual fee for the card.
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3. How do I earn CV (Club Vistara) points with the Club Vistara SBI Credit Card?
You earn 3 Club Vistara (CV) points for every Rs. 200 spent using the card. These points accumulate over time and can be redeemed for flights or other travel rewards.
4. How can I redeem my Club Vistara CV points?
CV points can be redeemed for Air Vistara flights or with partner airlines. You can manage your points redemption through the Vistara portal or app, giving you flexibility in how you use your rewards.
5. What insurance covers are provided with the Club Vistara SBI Credit Card?
The card offers multiple insurance benefits, including air accident cover of up to Rs. 50 lakhs, lost card liability of up to Rs. 1 lakh, and flight cancellation cover up to Rs. 3,500 for up to four cancellations annually.
6. What milestone benefits can I get with the Club Vistara SBI Credit Card?
You earn 1,000 bonus CV points if you spend Rs. 50,000 within 90 days of receiving the card. Additionally, you can earn a free economy class flight at annual spending milestones of Rs. 1.25 lakhs, Rs. 2.5 lakhs, and Rs. 5 lakhs.
7. How many complimentary airport lounge visits do I get per year?
You are entitled to 4 complimentary domestic airport lounge visits per year, with a maximum of 1 visit per quarter.
8. Does the Club Vistara SBI Credit Card offer a Priority Pass membership?
Yes, cardholders get a complimentary Priority Pass membership, valid for 24 months. The membership gives you access to airport lounges worldwide.
9. Can I add family members to my Club Vistara SBI Credit Card?
Yes, you can add family members (spouse, parents, children, and siblings over 18 years) as add-on cardholders. There is no additional fee for add-on cards.
10. Can I use the Club Vistara SBI Credit Card for contactless payments?
Yes, the card supports contactless payment technology. You can make fast and secure transactions by simply tapping the card on a contactless-enabled terminal.
11. Is the Club Vistara SBI Credit Card accepted internationally?
Yes, the card is accepted globally at over 24 million outlets, including 325,000 outlets in India, providing you with widespread usage both domestically and abroad.
12. What is the Flexipay feature of the Club Vistara SBI Credit Card?
Flexipay allows you to convert large purchases into easy monthly installments. You need to log into the SBI Card portal and choose the Flexipay option within 30 days of making the transaction.
13. How does balance transfer work on the Club Vistara SBI Credit Card?
You can transfer balances from other credit cards to your Club Vistara SBI Card at lower interest rates. The transferred balance can be repaid in easy EMIs, reducing the burden of debt.
14. What are the cash withdrawal and bill payment facilities offered?
The card offers cash withdrawal at over 1 million ATMs globally and access to more than 10,000 SBI ATMs in India. You can also pay utility bills, like electricity and phone bills, directly through the card using the Easy Bill Pay service.