Yatra SBI Credit Card – Benefits, Longue Access

Yatra SBI Credit Card is an innovative product launched jointly by SBI Card and Yatra.com. It is designed to appeal especially to customers who are always on the go and need better travel perks and privileges. This co-branded credit card, created to help customers have an effortless travel experience, has many features that include huge discounts for multiple domestic and international flights.

A waiver of the annual fee on overall spending of Rs. 1,00,000, complimentary air accidental insurance cover up to Rs. 50 lakhs and various other travel-related discounts make the Yatra SBI Credit Card a beneficial credit card, especially for frequent travelers who want to take advantage of the offers and discounts.

Yatra SBI Credit Card: Features and Benefits

1. Welcome Benefits
   • Yatra e-Gift Vouchers Worth Rs. 8,250: As a welcome gift, upon payment of the joining fee of Rs. 499 + GST, you receive vouchers from Yatra.com worth Rs. 8,250. These include:
     • 2 Domestic Travel Vouchers worth Rs. 500 each.
     • 2 International Travel Vouchers worth Rs. 1,000 each.
     • Domestic Holiday Voucher worth Rs. 1,500.
     • International Holiday Voucher worth Rs. 3,000.
     • Hotel Booking Voucher worth Rs. 750.
   • Voucher Conditions: These vouchers must be used before their expiration date, and multiple vouchers cannot be combined in a single booking.
2. Travel Benefits
   • Discount on Flight Bookings:
     • Get Rs. 1,000 off on domestic flights with a minimum booking amount of Rs. 5,000.
     • Get Rs. 4,000 off on international flights with a minimum booking amount of Rs. 40,000.
   • Hotel Discounts: Enjoy a 20% discount on domestic hotel bookings with a minimum spend of Rs. 3,000, subject to a maximum discount of Rs. 2,000. This offer can be availed using the promo code ‘TRAVEL’ and can be used up to 6 times.
   • Usage Conditions: The travel-related discounts cannot be combined with other offers or promotions.
3. Annual Fee Waiver
   • Fee Waiver on High Spends: The annual renewal fee of Rs. 499 + GST is waived if you spend Rs. 1,00,000 or more in a calendar year using this card.
4. Insurance Benefits
   • Air Accidental Insurance: Cardholders get complimentary air accidental insurance coverage worth Rs. 50 lakhs.
   • This applies to the primary cardholder only.
5. Fuel Surcharge Waiver
   • Fuel Savings: Get a 1% waiver on fuel surcharge across all petrol stations in India.
   • The waiver is applicable on transactions between Rs. 500 and Rs. 3,000, and the maximum benefit is capped at Rs. 100 per month.

How to Earn and Redeem Yatra SBI Credit Card Reward Points?

How to Earn Yatra SBI Credit Card Reward Points

Category-Wise Reward Points

• 6 Reward Points per Rs. 100 spent on:
  • Groceries
  • Movies
  • Entertainment
  • Dining
  • Departmental Stores
• 1 Reward Point per Rs. 100 spent on:
  • All other transactions are not included in the above categories.

Reward Points Limit

• The maximum number of reward points you can earn is 5,000 points per calendar month.

How to Redeem Yatra SBI Credit Card Reward Points

Reward Points Value

• 1 Reward Point = Rs. 0.25
• This means for every 4 reward points, you get Rs. 1 towards redemption.

Minimum Redemption Requirement

• You need a minimum of 1,000 Reward Points to be eligible for redemption.

Redemption Options

1. Yatra.com:
   • You can redeem your reward points for vouchers to use on Yatra.com. These can be applied to book flights, hotels, and holiday packages.
2. SBI Card Portal:
   • Log in to your SBI Card account online.
   • Navigate to the ‘Rewards’ section.
   • Select the option to redeem points and choose from available rewards such as Yatra travel vouchers.

Steps to Redeem Points:

• Visit the SBI Card website or the Yatra.com website.
• Log in to your account using your cardholder credentials.
• Go to the ‘Rewards’ section and select your desired redemption option (vouchers, flight tickets, or hotel bookings).
• Complete the redemption by following the on-screen instructions.

Yatra SBI Credit Card: Fees and Charges

1. Interest Rate:
   • 3.50% per month (42% annually on outstanding balances or cash advances).
2. Cash Advance Fee:
   • 2.5% of the amount or Rs. 500 (whichever is higher).
3. Late Payment Charges:
   • Rs. 0 to Rs. 1,300 depending on the outstanding due amount.
4. Overlimit Fee:
   • 2.5% of the over-limit amount or Rs. 600 (whichever is higher).
5. Foreign Currency Markup:
   • 3.50% on foreign transactions.
6. Reward Redemption Fee:
   • Rs. 99 + GST per redemption.
7. Cheque Bounce Fee:
   • 2% of the payment amount (min. Rs. 450).
8. Fuel Surcharge Waiver:
   • 1% on fuel transactions (Rs. 500 – Rs. 3,000), max Rs. 100 waiver per month.

Yatra SBI Credit Card Product Details

1. Earn 6 Reward Points per Rs. 100 on groceries, movies, entertainment, dining, and departmental stores; 1 Reward Point per Rs. 100 on other purchases.
2. 1 Reward Point = Rs. 0.25, redeemable on the SBI Card portal or Yatra.com. A minimum of 1,000 points is required for redemption.
3. Get Rs. 1,000 off on domestic flights (min. spend Rs. 5,000) and Rs. 4,000 off on international flights (min. spend Rs. 40,000).
4. 20% discount on domestic hotels with a minimum spend of Rs. 3,000 (max discount Rs. 2,000).
5. Complimentary air accidental insurance worth Rs. 50 lakhs for the primary cardholder.
6. 1% waiver on fuel transactions between Rs. 500 and Rs. 3,000, capped at Rs. 100 per month.

Yatra SBI Credit Card: Eligibility Criteria

1. Visit the ‘Simplyfier’ Page:
   • Go to the SBI Card website and navigate to the ‘Simplyfier’ section.
2. Select Your Privileges: 
   • Choose the benefits and privileges you wish to avail yourself from the card options.
3. Enter Income and Expenditure Details:
   • Provide information regarding your monthly income and expenditure for personalised eligibility assessment.
4. Check Eligibility:
   • If eligible for the Yatra SBI Credit Card, the card will appear as a suitable option on the page.

Documents Required for Yatra SBI Credit Card

1. Proof of Identity:
   • PAN card
   • Aadhaar card
   • Passport
2. Proof of Address:
   • Utility bill
   • Bank statement
   • Rent agreement
3. Proof of Income:
   • Salary slips (for salaried individuals)
   • Income Tax Returns (ITR)
   • Bank statements or financial documents (for self-employed)
4. Photograph:
   • Recent passport-size photo

How to Activate Yatra SBI Credit Card Online

• Go to the SBI Card official website.
• Use your credentials to log in to your SBI Card account.
• Navigate to the ‘Card Activation’ section.
• Provide the required card details and follow the on-screen instructions.
• Confirm the activation request and complete any additional verification steps.

FAQs