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▾SBI Club Vistara Credit Card Review (Renewal benefit discontinued post Apr 2025; Vistara→Air India)
Best for: Existing cardholders who renewed before 1 Apr 2025 (still earning legacy benefits). New applicants should look at the Air India SBI Signature card instead, which is the active Air-India-loyalty product.
- 3 Club Vistara Points per ₹200 on all retail categories (including fuel)
- 1 hotel e-Voucher from Yatra worth ₹5,000 on annual spend ₹5L
- Lost card liability cover ₹1 lakh
- CV Points now redeemable on Air India + partner airlines (post Vistara→Air India migration)
- Cards renewed after 1 Apr 2025: NO renewal fee charged AND no Premium Economy Ticket voucher benefit
- No lounge access at this tier
- Air India merger still in transition
- Lower earn rate than Axis Vistara cards
- Flying-Returns conversion value uncertain
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹1,499 + GST |
| Renewal fee | ₹1,499 + GST |
| Finance charge | 3.6% p.m. |
| Cash advance fee | 2.5% (min ₹500) |
| Forex markup | 3.5% |
| Late payment fee | Up to ₹1,300 |
Rewards structure
Earn 3 CV points per ₹200 on retail (now Flying Returns miles post Air India merger). Airline spends earn 10 CV points per ₹200. Milestone bonus of 1,500 CV points on ₹3L annual spend. Vouchers require booking via Vistara/Air India directly.
Key benefits
- Welcome: CV Silver tier membership (speeds up Gold status)
- Milestone: 1,500 CV points on ₹3L annual spend
- 1 free companion voucher on anniversary (valid for domestic routes)
- 1% fuel surcharge waiver
Who the SBI Club Vistara is for
Travellers flying Vistara/Air India 3-5 times a year who want a low-cost way into the CV Silver tier. Higher-frequency flyers should pick Axis Vistara Signature for lounges and better multipliers.
Final verdict
A budget way into the CV/Flying Returns loyalty programme. Monitor Air India's post-merger programme changes before renewing.
FAQ
Does CV Silver tier give lounge access?
CV Silver does not include lounge access at boarding airports — only priority check-in, preferred seating and bonus miles.
What happens to my CV points post-merger?
CV points convert 1:1 to Air India Flying Returns miles per the announced merger protocol.
Can I hold Club Vistara SBI and Axis Vistara Signature together?
Yes — they are separate products. Each contributes independently to your CV/Flying Returns mileage balance.
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.