Club Vistara SBI Card PRIME

The latest credit card offering by SBI Card is the Club Vistara SBI Card PRIME Credit Card, which was launched jointly with Air Vistara in November 2019. For the most frequent travellers and accessible through the Mastercard, the card provides numerous travel benefits, including the ability to accumulate Club Vistara (CV) Points, which you can use to book flights and select your seat on Vistara Airlines.

Largely targeting users for domestic and international travel redemption, the card has gained high popularity among people looking for travel rewards without going to the category of premium cards.

Club Vistara SBI Card PRIME Credit Card Features and Benefits

1. Welcome Benefits:
   • 1 Premium Economy Class ticket as a welcome gift on payment of the joining/renewal fee.
   • The e-gift voucher is sent within 15 working days after the fee is paid.
2. Milestone Benefits:
   • Receive 1 Premium Economy Class ticket on annual spends of Rs. 1.5 lakh, Rs. 3 lakh, Rs. 4.5 lakh, and Rs. 8 lakh.
   • A Yatra hotel voucher worth Rs. 10,000 is given on annual spending of Rs. 8 lakh.
   • Get 3,000 bonus CV points on spending Rs. 75,000 within the first 90 days of card activation.
3. Travel Benefits
   • Up to 10% discount on Hertz car rentals.
   • 5% discount on Rentalcars.com.
   • Up to 33% discount on hotel stays and 50% off on destination programs in countries like Japan, Singapore, Macau, and Korea.
4. Lounge Access
   • Domestic Lounge Access: Cardholders are entitled to 8 complimentary visits per year to domestic airport lounges, with a maximum of 2 visits per quarter.
   • International Lounge Access: The card comes with Priority Pass membership (worth $99), allowing 4 complimentary international lounge visits per year (maximum 2 visits per quarter).
5. Insurance Benefits
   • Air Accident Cover: Coverage of up to Rs. 1 crore in the event of an air accident.
   • Flight Cancellation Insurance: Coverage for up to 6 Air Vistara flight cancellations per year, with each cancellation claimable up to Rs. 3,500.
   • Check-in Baggage Loss: Insurance of up to Rs. 72,000 in case of lost check-in baggage.
   • Baggage Delay: Coverage of Rs. 7,500 for delayed check-in baggage.
   • Baggage Damage: Compensation of Rs. 5,000 for damaged baggage.
   • Lost Travel Documents: Coverage of Rs. 12,500 if important travel documents like a passport are lost during travel.
   • Lost Card Liability: Protection against fraudulent transactions up to Rs. 1 lakh if the card is lost or stolen.

How to Earn and Redeem Club Vistara SBI Card PRIME Credit Card Reward Points

Earning Club Vistara Points

1. Everyday Spending:
   • Earn 4 Club Vistara (CV) Points for every Rs. 200 spent using the card, applicable across all categories, including fuel purchases.
2. Milestone Benefits:
   • Earn bonus rewards based on spending thresholds:
     • 3,000 bonus CV Points on spending Rs. 75,000 within the first 90 days of card activation.
     • 1 Premium Economy Class ticket on annual spends of Rs. 1.5 lakh, Rs. 3 lakh, Rs. 4.5 lakh, and Rs. 8 lakh.

Redeeming Club Vistara Points

1. Flight Bookings:
   • Redeem your CV Points for booking award flights with Vistara Airlines. These points can be used to book flights in Economy, Premium Economy, or Business class.
2. Class Upgrades:
   • Use CV Points to upgrade your seat class, enhancing your travel experience from Economy to Premium Economy or Business Class.
3. Cash + Points Program:
   • Under the Vistara Cash + Points program, you can combine your CV Points with cash to book flights, with each CV Point valued at Rs. 0.20.

Additional Redemption Options

• CV Points can also be used for booking any seat under Vistara’s award flight availability, providing flexibility in your travel plans.

Club Vistara SBI Card PRIME Credit Card: Fees and Charges

Fee/Charge	Details
Joining Fee	Rs. 2,999 + GST (includes 1 complimentary Premium Economy Class ticket as a welcome gift).
Renewal Fee	Rs. 2,999 + GST (includes 1 Premium Economy Class ticket as a renewal benefit).
Interest Rate	3.5% per month (42% annually) on outstanding dues.
Foreign Currency Markup	3.5% on all foreign currency transactions, plus applicable taxes.
Cash Advance Charges	2.5% of the withdrawn amount, subject to a minimum charge of Rs. 500.
Fuel Surcharge	1% fuel surcharge applicable, with a minimum amount of Rs. 10.
Late Payment Fee	Ranges from Rs. 0 to Rs. 1,300, depending on the total outstanding amount.
Over-limit Fee	2.5% of the over-limit amount (subject to a minimum charge of Rs. 600).
Rewards Redemption Fee	No charges for redeeming Club Vistara Points.

Club Vistara SBI Card PRIME: Product Details

1. Earn 4 Club Vistara Points for every Rs. 200 spent, including on fuel transactions.
2. Get 1 Premium Economy Class ticket on annual spends of Rs. 1.5 lakh, Rs. 3 lakh, Rs. 4.5 lakh, and Rs. 8 lakh.
3. 8 complimentary domestic lounge visits annually (2 per quarter) and 4 international lounge visits per year through Priority Pass membership.
4. Air accident cover up to Rs. 1 crore, and insurance coverage for baggage loss, delay, and damage, as well as up to 6 flight cancellations per year.
5. Earn 3,000 bonus CV Points for spending Rs. 75,000 within the first 90 days of card issuance.

Club Vistara SBI Card PRIME Credit Card Eligibility Criteria

1. Age: The applicant must be at least 18 years old to apply for the card.
2. Employment Status: The applicant can be either self-employed or salaried, with a stable source of income.
3. Credit Score: A good credit history is required. Although specific credit score criteria aren’t mentioned, a high CIBIL score increases the chances of approval.
4. Nationality: The applicant must be a resident of India.

Documentation Required for Club Vistara SBI Card PRIME Credit Card

• Identity Proof: PAN Card, Passport, Aadhar Card, Voter ID, etc.
• Address Proof: Utility bills, Aadhar Card, Passport, or other government-approved address proof.
• Income Proof: Salary slips, bank statements for the last few months, or the latest audited Income Tax Returns (ITR) for self-employed individuals.

How to Activate Club Vistara SBI Card PRIME Credit Card

1. Receive Your Card: Upon approval, you will receive your Club Vistara SBI Card PRIME by mail. Ensure you have it in hand before proceeding with activation.
2. Activate via Phone:
   • Call the SBI Card helpline at 1860 180 1290 (toll-free) or 39020202 (prefix STD code).
   • Follow the automated instructions or speak to a customer service representative to activate your card.
3. Activate Online:
   • Visit the SBI Card website and log in to your account using your credentials.
   • Navigate to the “Card Activation” section and follow the on-screen instructions.
   • You may need to provide details such as your card number, date of birth, and other personal information for verification.

FAQs: