In today's blog, we will provide you with information about the Yatra SBI Credit Card, specifically its welcome benefits, cashback rate, and more. For more information, read below:
The Yatra SBI Credit Card is a great option for individuals who travel frequently and want to save money when booking flights and hotels online. Offered in partnership by SBI Card and Yatra.com, this card blends the convenience of a credit card with the perks of a travel loyalty program. One of its biggest attractions is the welcome package, which includes Yatra vouchers that can be used for flight or hotel bookings, which means you start enjoying benefits almost immediately after joining. Beyond that, the card ensures ongoing value every time you spend. When you use it on Yatra.com, users will get exclusive discounts on both domestic and international flight bookings, as well as savings on hotel stays. Even for your everyday purchases, the card lets you earn reward points, which can later be redeemed to make your travel lighter on the pocket.
What Are The Welcome benefits of the Yatra SBI Credit Card?
Welcome Benefit: Users will get Yatra.com vouchers worth Rs 8,250 for free.
What Is The Cashback Rate of the Yatra SBI Credit Card?
Users will get 6 reward points for every INR 100 spent on departmental stores, grocery, dining, movies, entertainment (Up to 5000 reward points per month), and international spending (Up to 5000 reward points per month).
Value of 1 reward point = INR 0.25.
Grocery+ Cashback Rate: 1.5%
1 reward point on every INR 100 spent on all other categories.
General Cashback Rate: 0.25%.
Movie Benefits
Movie Cashback Rate: 1.5%
Dining Benefits
Dining Cashback Rate: 1.5%
Other Benefits
INR 1,000 off on all domestic flight bookings on Yatra. Applicable on a minimum transaction of INR 5,000.INR 4,000 off on all international flight bookings. Applicable on a minimum transaction of INR 40,000.20% off on domestic hotels. Applicable on a minimum transaction of INR 3,000. Applicable on a minimum transaction of INR 3,000.Free air accident cover of INR 50 lacs.
Lounge Access
None.
Special Features
INR 1,000 off on all domestic flight bookings. Applicable on a minimum transaction of INR 5,000.
Eligibility Criteria
Age: You must be minimum 21 and 70 years old.Income: You must have a stable source of income.Credit score: A good credit score is generally required.
Fees And Charges:
Joining fees: INR 499 + Taxes.
Annual fees: INR 499 + Taxes.
Cash advance fees: Cash Advance fees: 2.5% or Rs. 500.
Late payment charges: 0 to 1300.
Interest charges: Up to 3.50% per month (42% per annum).
How to apply for a Credit Card?
1. Online: This is the fastest and most convenient method:
Visit the SBI Card website: Head to the official SBI Card website.
Navigate to the SBI Yatra Card page: Find the "Personal" category and choose "Travel" as the sub-category.
Click "Apply Now": Look for the prominent "Apply Now" button on the card page.
Fill out the application form: Provide your details, income information, and KYC documents like PAN, etc.
Review and submit: Carefully review the application details.
Await decision: You'll receive an instant preliminary decision based on the information provided.
2. Offline: This method involves visiting an SBI branch and completing the application process:
Visit an SBI branch: Find a nearby SBI branch and express your interest in applying for the SBI Yatra Card.
Fill out the application form: A bank representative will assist you with the form and guide you through the process.
Submit the form and documents: Provide all requisite documents such as PAN, Aadhaar, and income proof along with the completed application.
Await decision: The bank will process your application and inform you about the final decision through your preferred communication channel.
Contact Details
1860 500 1290, 1860 180 1290, 39 02 02 02(Prefix local the STD code) or 1800 180 1290 (Toll Free)
What Are The Pros And Cons Of the Yatra SBI Credit Card?
Pros:
Attractive Welcome Bonus – You get Yatra vouchers on joining, which can be used for flights or hotel bookings right away.
Travel Discounts – Special savings on domestic and international flights, plus hotel bookings when using Yatra.com.
Reward Points on Daily Spending – You earn points even on routine expenses, which can later be redeemed for travel vouchers.
Affordable Annual Fee – The yearly charge is reasonable compared to many premium travel cards, and frequent travelers can easily recover the cost.
Good Fit for Occasional Travelers Too – Even if you don’t travel every month, the vouchers and discounts can still add up to meaningful savings.
Cons:
Limited to Yatra.com – The biggest benefits (discounts and vouchers) are restricted to bookings made on Yatra.com, so flexibility is limited.
Not a Premium Travel Card – It lacks luxury perks like unlimited lounge access, concierge services, or high international rewards.
Reward Redemption is Narrow – Points can mostly be redeemed for Yatra vouchers, so they’re not as versatile as cashback or direct statement credit.
Foreign Transaction Fees Apply – Using the card abroad isn’t very cost-effective due to foreign exchange charges.
Benefits Expire if Unused – Vouchers and offers usually come with expiry dates, so you need to plan your trips to make full use of them.
Conclusion:
The Yatra SBI Credit Card is a practical travel companion for anyone who wants to make the most out of their trips without overspending on card fees. It is not overloaded with complicated reward systems or luxury privileges, but instead focuses on delivering value where it matters the most: flight tickets, hotel stays, and useful welcome vouchers. With its reasonable annual fee, the card ensures that even occasional travelers can benefit, and for those who book trips regularly through Yatra.com, the discounts and reward points quickly add up to meaningful savings.
This Card is appealing because it strikes a balance between affordability and benefits. The annual fee is not very high, and for users who travel even a couple of times a year, the vouchers and discounts can easily cover that cost. Not like any premium travel cards that often come with high annual charges, this one is more accessible, making it a good option for young professionals, families planning regular vacations, or even small business owners who travel for work. In simple words, it’s a travel companion that quietly adds value to your trips, whether it’s a quick domestic flight or an international holiday.
The card has its limitations. The benefits are tied closely to Yatra.com, so if you prefer exploring multiple booking platforms or expect premium facilities like lounge access, this may feel limiting. But that’s also the reason why it remains affordable and easy to manage. Rather than being a luxury product, it is designed as a budget-friendly, value-driven solution for the everyday traveler.
In short, the Yatra SBI Credit Card is the best option as a card that balances cost and benefit well. It doesn't provide any fancy features you don’t need, but it will quietly support your travel plans by making each booking a little lighter on your wallet. For frequent flyers who don’t want to get into complicated reward programs and simply prefer direct savings, this card fits the bill perfectly.
FAQ's
1. What is the annual fee for the Yatra SBI Credit Card?
The card comes with a reasonable annual fee of INR 499 + GST. The value of the welcome vouchers you get usually covers this cost, so it’s easy to recover the fee if you travel at least once or twice a year.
2. What kind of welcome benefits do I get with this card?
When you join, you receive Yatra vouchers worth around INR 8,250 that can be used for flight or hotel bookings. These vouchers make the card rewarding from day one.
3. Where can I get the maximum benefits from this card?
The best value comes when you book flights, hotels, or holiday packages through Yatra.com. You get extra discounts on domestic and international travel booked via the platform.
4. Do I earn reward points on regular spending?
Yes. You earn reward points on everyday purchases, and these points can later be redeemed as Yatra vouchers. However, keep in mind that the redemption options are mostly tied to travel bookings.
5. Is this card good for international travel?
The Yatra SBI Card works internationally, but it’s not the best option abroad since foreign transaction fees apply and you don’t get luxury perks like lounge access. It’s better suited for domestic travelers who book online often.
If you want to know the unbiased AI score of the Yatra SBI Credit Card, read their detailed review, click here
