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Verified May 2026·By Arun, Personal Finance Editor·Cross-checked against issuer MITC & RBI sources·How we research
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▾Yatra SBI Credit Card Review (DISCONTINUED w.e.f. 28 Mar 2025)
SBI Card · Travel co-brand · Visa · Issuance discontinued from 28 Mar 2025 — existing cardholders only
Our score: 6.1 / 10
Annual fee: ₹499 + GST
Reward rate: 10% on Yatra + 1 RP base
Lounge: None
Forex: 3.5%
⚠ DISCONTINUED: Per the official SBI Card product page (verified Apr 2026): “w.e.f. 28th Mar 2025, the issuance of Yatra SBI Credit Card has been discontinued.” New applications are not accepted. Existing cardholders continue to enjoy benefits. For Yatra-style travel cashback today, consider Axis Atlas, HDFC Diners Black via SmartBuy, or HSBC TravelOne.
What we like
- Welcome gift of Yatra.com vouchers worth ₹8,250 (NOT ₹500 as previously stated — corrected per current issuer page)
- ₹499 + GST one-time joining fee
- ₹499 + GST renewal, waived if last-year spend > ₹1,00,000
- Note: MasterCard airport lounge access was discontinued w.e.f. 1 April 2019
- Card discontinued for new sourcing 28 Mar 2025
Watch out for
- No lounge
- Cashback capped monthly
- 1% base weak
- 3.5% forex
- Non-Yatra users get little
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹499 + GST |
| Renewal fee | ₹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
Yatra bookings earn 10% cashback (capped ₹500/month). Base 1 RP per ₹100 (0.25%). Welcome Yatra voucher ₹500.
Key benefits
- 10% cashback on Yatra (cap ₹500/month)
- Welcome Yatra voucher ₹500
- 1% fuel surcharge waiver
- Free add-on
- Annual fee waived at ₹50K spend
Who the SBI Yatra is for
Yatra loyalists booking ₹5K+/month. Utilities and everyday spend should go to a different card.
Final verdict
Niche but genuine value for Yatra users. Below ₹5K/month Yatra spend, the fee eats the benefit. Pair with general-purpose cashback card.
FAQ
Does 10% apply to Yatra gift cards?
Gift card purchases are typically excluded; actual flight/hotel bookings qualify.
Can MakeMyTrip or Ixigo bookings earn 10%?
No — category is exclusive to Yatra.com.
Is there a hotel-specific bonus?
Yatra hotel bookings earn the same 10% as flights within the monthly cap.
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.