Yatra SBI Credit Card Review

Yatra SBI Card is a co-branded travel credit card designed in alliance with Yatra.com. this card is designed to offer various travel benefits at low cost, the benefits offered by the card include, a welcome gift voucher from yatra, reward benefit, some benefits on travel and hotel booking, fuel surcharge waiver, insurance coverage, etc. This Card also provides some helpful features that can make your life a lot easier.  

Yatra SBI Credit Card

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹20,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹20,000 monthly. 
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 

Fee:

  • Joining Fee: ₹499 + GST
  • Annual Fee: ₹499 + GST (Can be waived off if ₹1,00,000 is waived off in a year)

Benefits:

  • Welcome benefit:

With the issuance of the card, you will get a gift voucher of ₹8,250 from Yatra as a welcome gift. You will get the voucher with the payment of the joining fee. 

You can use this voucher for travel booking, travel booking, or holiday booking. 

  • Reward benefit:

This card offers 6 reward points for each ₹100 spend on departmental stores, grocery, dining, and entertainment categories.

You will also get 1 reward point for each ₹100 to spend on other categories. 

You can redeem those reward points to purchase discount vouchers from Yatra.

1 reward point = ₹0.25, you will need a minimum of 1,000 reward points to make a redemption.  

  • Travel benefit:

This card offers a ₹1,000 discount when you book a domestic flight from Yatra.com by using this card, (min transaction amount should be ₹5,000)

You can also get a ₹4,000 discount when you book an international flight from Yatra.com by using this card, (min transaction amount should be ₹40,000)

  • Fuel surcharge waiver:

This card offers a 1% waiver on fuel surcharges at any fuel stations in India, you can get a maximum waiver of ₹100 per month. The transaction amount should be between ₹500 to ₹3,000. 

  • Insurance Coverage:

This card comes with an air accidental coverage of ₹50 lakh, this coverage will be applicable when the flight ticket is booked by using this card. 

  • Balance Transfer:

You can transfer the outstanding balances from your other credit card to your ‘Yatra SBI Card’ to get a lower interest rate.

  • Autopay:

With the auto-pay feature, your bills will be paid automatically within due dates. You can also set the maximum amount you want to pay.

  • Flexipay:

With this feature, you can now buy products of your choice and you can pay the bills in easy monthly EMIs at a very low-interest rate. You can transform your bills into EMIs within 10 days of purchase.

  • Add on the facility:

You can add your loved ones with your card as add-on members and they can also enjoy the benefits of having a credit card. The Age of the add-on members should be at least 18 yrs. 

  • Ticket Booking:

With this card you can now book your Railway tickets online and also you can order them at your doorstep with a few simple steps.  

  • Alert facility: 

With this feature, you will feel more secure regarding your account. You will get SMS & E-Mail Alerts on cash transactions, reaching credit limits, Mini statements generation, and lots more.

Charges:

  • Cash Withdrawal Charge: 2.5% against the transaction amount, min ₹500. 
  • Finance Charge: 3.35% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call: 1800 180 1290 (toll free) 

         3902-0202 (add the STD code of your locality)

Mail: [email protected]

100xGain Ratings: 6.5/10

Final Opinion:

After analyzing the benefits of the card, it can be said the card is beneficial for those who want a low-cost travel credit card which also can earn you benefits from your daily expenses. This card offers a big welcome gift voucher that can be used for hotel travel and holiday booking, reward points on your daily expenses, discount on flight booking, fuel surcharge waiver, and lots more. Therefore, if you are looking for a low-cost travel card, this can be a very good option for you. 

But this card does not feature any lounge access, so if you want to spend a little more to have lounge access as a part of your travel experience, then you can go for ICICI MakeMyTrip Platinum Credit Card. or if you want to spend even more then you can go for Etihad Guest SBI Premier Credit Card

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