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Club Vistara SBI Card PRIME
SBI • MasterCard

Club Vistara SBI Card PRIME

Popular travel co-brand card combining airline milestones with strong lounge footprint.

Annual Fee₹2999Waived on issuer-defined annual spends
Base Reward1.0%On all spends
Lounge Access3020 domestic • 10 intl
Est. Annual Savings₹-959Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual fee₹2,999

Waived on issuer-defined annual spends

Net value₹601

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
3.0%
Dining
1.5%
Basedefault
1.0%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • Club Vistara SBI Card PRIME is best positioned as a travel + lifestyle specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 3.0% on travel-aligned lanes, while broad base return remains closer to 1.0%.
  • Current mapped lounge footprint is 30, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel and lifestyle spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 2,999 and reduce allocation if annual net value weakens.

Watchouts

  • miles value depends on travel transfer planning and redemption timing
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹2,999
  • Annual fee₹2,999
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkMasterCard
  • Domestic count20
  • International count10
  • Quarterly limitNot listed
  • Airport-terminal rows30
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports23
  • Approval reports14

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

PhonePe SBI Card SELECT BLACK

Annual fee: Free

Shared focus: Travel+12 more lounge visits in current datasetEstimated +₹3,639/yr value
View Details
Step 2

SBI Card MILES PRIME

Annual fee: ₹2999

Shared focus: Travel, PremiumHigher top earn rate (4.0%)Estimated +₹3,031/yr value
View Details
Step 3

SBI Prime

Annual fee: ₹2999

Shared focus: LifestyleHigher top earn rate (5.0%)Estimated +₹1,839/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Club Vistara SBI Card PRIME using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Waived on issuer-defined annual spends

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

30 airport lounge rows
View lounge map and location list30 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

2 lounges • 1 domestic • 1 international

2
The LoungeDomestic

AHM • Ahmedabad Airport • Domestic T1

The LoungeInternational

AHM • Ahmedabad Airport • International T2

Bengaluru

3 lounges • 2 domestic • 1 international

3
080 Domestic LoungeDomestic

BEN • Bengaluru Airport • Domestic T2

080 Domestic Lounge - West PH 2Domestic

BEN • Bengaluru Airport • Domestic T1

080 International LoungeInternational

BEN • Bengaluru Airport • International T2

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Domestic T1

Chandigarh

2 lounges • 1 domestic • 1 international

2
Primus LoungeDomestic

CHA • Chandigarh Airport • Domestic Terminal

Primus LoungeInternational

CHA • Chandigarh Airport • International Terminal

Chennai

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge - T2 TerminalInternational

CHE • Chennai Airport • International T2

Travel Club Lounge -T1 Lounge BDomestic

CHE • Chennai Airport • Domestic T1

Coimbatore

1 lounges • 1 domestic • 0 international

1
BlackBerry Restaurant & BarDomestic

COI • Coimbatore Airport • Domestic NA

Goa

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

GOA • Goa Airport • Domestic T1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Domestic T1

Encalm LoungeInternational

HYD • Hyderabad Airport • International T1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • Domestic NA

Jaipur

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

JAI • Jaipur Airport • Terminal 2

Kochi

2 lounges • 1 domestic • 1 international

2
Earth LoungeDomestic

KOC • Kochi Airport • Domestic T1

Earth LoungeInternational

KOC • Kochi Airport • International T3

Kolkata

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge DomesticDomestic

KOL • Kolkata Airport • Domestic T1

Travel Club Lounge InternationalInternational

KOL • Kolkata Airport • International T1

Mumbai

3 lounges • 2 domestic • 1 international

3
Adani East LoungeInternational

MUM • Mumbai Airport • International T2

Adani LoungeDomestic

MUM • Mumbai Airport • Domestic T1B

Travel ClubDomestic

MUM • Mumbai Airport • Domestic T2

New Delhi

3 lounges • 2 domestic • 1 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic T1

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic T3

Encalm LoungeInternational

NEW • New Delhi Airport • International T3

Pune

1 lounges • 1 domestic • 0 international

1
Elysian LoungeDomestic

PUN • Pune Airport • Domestic Terminal

Srinagar

1 lounges • 0 domestic • 1 international

1
Paahun The Executive LoungeInternational

SRI • Srinagar Airport • International T1

Vadodara

1 lounges • 1 domestic • 0 international

1
Premium LoungeDomestic

VAD • Vadodara Airport • Domestic Terminal

Vishakhapatnam

1 lounges • 1 domestic • 0 international

1
The Airr LoungeDomestic

VIS • Vishakhapatnam Airport • Domestic Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Frequent-flyer oriented milestone benefits
  • Strong lounge coverage in source mapping
  • Good for Vistara-linked flyers

Things to Consider

  • Value depends on airline redemption usage
  • Fee requires planned travel spend to justify
  • Benefit structure can evolve with airline program changes

About Club Vistara SBI Card PRIME

Club Vistara SBI Card PRIME is a miles card from SBI, best for travel-focused users optimizing vistara and lounge benefits. It is tagged under travel, premium, rewards, lifestyle categories in our database.

TravelPremiumRewardsLifestyle

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Frequently asked questions

Is Club Vistara SBI Card PRIME lifetime free?

It has an annual fee of ₹2999. Waived on issuer-defined annual spends

What rewards does Club Vistara SBI Card PRIME offer?

Popular travel co-brand card combining airline milestones with strong lounge footprint.

Does Club Vistara SBI Card PRIME include lounge access?

Club Vistara SBI Card PRIME lists 30 lounge visits (20 domestic, 10 international).

Who should consider Club Vistara SBI Card PRIME?

Travel-focused users optimizing Vistara and lounge benefits

Where can I apply for Club Vistara SBI Card PRIME?

Check the issuer website for application availability.