SBICard Launches Vistara Co-Branded Credit Cards

By | November 27, 2019

SBICard – the 2nd largest credit card issuer in the country has launched a new airline co-brand credit card in partnership with Air Vistara – the premium airline of the country. There are two variants and the cards run on MasterCard network, gives complimentary flight tickets, hotel vouchers, free cancellations, lounge access & more based on the credit card spends. Here’s everything you need to know.

SBICard Launches Vistara Co-Brand Credit Cards (Image Credit – Vistara)

Club Vistara SBI Card (Basic)

Club Vistara SBI Card
  • Fees: 1499+GST
  • Welcome Bonus: 1 Economy tkt + 1000 CV Points (on 50K spend)
  • Regular Rewards: 3 CV Points/200 Rs. Spend (Reward rate: ~1.1%)
  • Milestone 1: Complimentary Economy tkt on 1.25L spend
  • Milestone 2: Complimentary Economy tkt on 2.5L spend
  • Milestone 3: Complimentary Economy tkt on 5L spend + 5K Yatra Hotel Voucher
  • Insurance Benefit: Cancellation – Up to 4 cancellations, each covers up to Rs 3500
  • Lounge Access: Domestic via Mastercard (4/yr – 1/qtr)

So if you manage to spend Rs.5 lakhs, you get ~6000 CV Points & 3 complimentary Vistara economy Flight tickets (excl. welcome benefit). If we consider all these, the approx. return on spend is 4% (assuming 1 eco tkt = Rs.3500)

Ofcourse the numbers may vary if you fly busy routes like BOM/DEL.

Club Vistara SBI Card PRIME (Premium)

Club Vistara SBI Card PRIME

Oops! they’ve successfully messed up the name by adding PRIME here and confuse customers.

  • Fees: Rs.2999+GST
  • Welcome Bonus: 1 Premium Economy tkt + 3000 CV Points (on 75K spend)
  • Regular Rewards: 2 CV Points/100 Rs. Spend (Reward rate: ~1.5%)
  • Tier Benefit: CV Silver tier
  • Milestone 1: Complimentary Prem. Economy tkt on 1.5L spend
  • Milestone 2: Complimentary Prem. Economy tkt on 3L spend
  • Milestone 3: Complimentary Prem. Economy tkt on 4.5L spend
  • Milestone 4: Complimentary Prem. Economy tkt on 8L spend + 10K Yatra Hotel Voucher
  • Insurance Benefit: Cancellation – Up to 6 cancellations, each covers up to Rs 3500
  • Lounge Access: Domestic via Mastercard (8/yr – 2/qtr) & International via Priority Pass (4/yr – 2/qtr)

So if you manage to spend Rs.8 lakhs, you get 18,000 CV Points + 4 complimentary Vistara Premium economy Flight tickets + 10K hotel voucher and some upgrade vouchers. If we consider all these, the approx. return on spend is well over 7% which is AMAZING. (assuming 1 prem. eco tkt = Rs.7500)

Should u apply?

SBIcard allows only two cards, usually one regular card like Elite, prime and one co-brand card.

Speaking about the best SBI co-brand card, I would go with Air India signature over Vistara cards unless SBI allows me to hold 2 co-brand cards and that’s not because Air India card is superior, but its unique. 

But if you don’t need Air India card, then Vistara Prime gives amazing value and is better than the Axis Vistara Signature which is of same range.

Note: Given the history of SBICard dealing with newly launched card applications, I would suggest you to wait for a week or two before clicking that apply button. 

Bottomline

The card is well designed, brings in similar benefits from Axis Vistara credit cards (which is a great hit) and adds hotel vouchers & free cancellations to make it bit unique. Interesting part is, you get points even on fuel spends.

Though the only disappointment is that they don’t have a card with complimentary business class tickets. But why? Maybe SBICARD don’t have enough customers willing to pay high fee & do spends in that range, or maybe Vistara thought they shouldn’t give away too many business class tickets for free.

Overall it’s a great work and I hope they add a new variant for biz class tickets in few years down the line, when the demand arises.

What’s your thoughts on the newly launched SBI Vistara credit cards? Feel free to share your comments below. 

48 thoughts on “SBICard Launches Vistara Co-Branded Credit Cards

  1. Rahul Pandit

    I think applying link has not yet opened or let me know if you know any other way to apply to this card.

    Reply
  2. Amar

    I already have Axis Vistara Signature but want to add the SBI Vistara Prime too.
    Problem is I already have an SBI Prime and an Ola SBI card.
    In the recent past, they rejected my application for Etihad Premier SBI card as I already had 2 cards.
    Do you think they will allow me to swap 1 of my existing cards for this?

    Reply
    1. Siddharth Post author

      I don’t think they will. But they may change this rule in future as SBI has so many co-brand cards.

      Reply
    2. Prashant Agrawal

      Theoretically they should let you product change from Ola SBI to SBI Vistara if you satisfy criteria (credit limit, sourcing city, etc.). Try putting in a request thru online portal after some days.

      But Ola SBI is a good card at least for the first year, especially with 7% conversion to Ola Money and increasing number of websites that accept it now, and maybe consider Axis Vistara Signature instead.

      Reply
  3. Mouli

    Sid,

    You mentioned about Upgrade vouchers,is that hotel upgrade voucher or Vistara upgrade voucher ?
    In what way SBI Air India card is superior than this ?

    Reply
    1. Siddharth Post author

      I referred to the CV Silver which gives one upgrade voucher.

      SBI Air India isn’t superior as such, but we don’t have other options for AI miles to access them & their partners.

      Reply
  4. vishal tajpuria

    So, there is one welcome PE ticket and 4 milestone tickets. In all, these are 5 complimentary PE tickets. Please correct me if I am wrong.

    Reply
    1. Siddharth Post author

      You’re right. I don’t consider the welcome benefit as you anyway pay for it.

      Reply
  5. Baala M S

    Do they also give a complementary Club Vistara membership here, like they do with Axis Bank?? No info on that one….

    Reply
    1. Siddharth Post author

      Its not clear, but they do mention Silver tier for the premium variant in press release.

      Reply
    2. Prashant Agrawal

      Yes, they do similar to Axis Vistara cards. Prime gets Silver membership 1 year.

      Reply
  6. Shailesh

    Free Cancellation and Yatra vouchers sounds good. But any mention of complimentary ticket on Anniversary after renewal?
    Also, in basic variant Axis gives free ticket on 1.25 lac milestone. But 2 points on 200 spend while SBI giving 3 points/200. If there is no anniversary free ticket than I think Axis is more better.

    Reply
  7. SH

    May be we will see an co-branded card with Amex soon. I would wait till then.

    Reply
    1. Siddharth Post author

      They first need to bring Marriott Card. Let this be of least importance to them 😛

      That aside, I think they should go with Singapore airlines for airline card instead of Vistara.

      Reply
      1. Neo

        Amex Marriott card is the dream. Are you hearing anything in the grapevine or its part of a wishlist 😛

        Reply
  8. Swapneil

    Will the validity of cv points increase if i have a co branded card or stay infinite as long as i have a valid transaction done on card ?

    I have sent an email on this regard.
    If it still stays at 3 years , it doesn’t make sense to get this card.
    What’s your take on this ?

    Reply
      1. Swapneil

        cv points WILL EXPIRE ON MONTHLY BASIS I.E. cv points earned in the month of november will expire in november 2 years later. i.e. similar to what hdfc bank credit card does.

        or

        it will expire in the nearest quarter where the cv points were accrued i.e. similar to emirates skymiles

        or

        it will expire like amex reward points – the whole points accrued in one year will lapse the moment THREE years are over. i.e. all points earned in first year will get expired in start of four years.

        TIA.

        Reply
      2. swapneil

        IRRESPECTIVE OF co branded card you own – cv points will continue to lapse after 3 years

        Reply
  9. Pranab

    I’m having Simplyclick and FBB Styleup (co-branded) cards. Recently applied for Elite which was approved but the condition was I to cancel Simplyclick. I didn’t and again applied (this time through Customer care over phone) for Elite (by cancelling FBB). Few days later, it was rejected.
    Maybe, we can have only one regular and one co-branded (as Sid mentioned).
    I was thinking to switch this time from FBB to CV Prime, but the absence of spent based waiver of annual fee put me off.

    Reply
  10. Mritunjay

    Sid, For basic card 1st milestone is at 1.25 L not 1.5 L. Please update.

    Reply
  11. Arnab

    I just closed my 3 year old SBI Prime card account as SBI Cards cheat their customers left and right. I upgraded my Simplysave to Prime last year in june. My Simplysave annual fee payment date was from october to october. Hence even though i upgraded the card in june the Prime annual fee of Rs. 2999/- plus GST was charged in october 2018 only. Now on completing milestone spends of Rs. 5 lacs by october 19 when i didnot receive the milestone benefits voucher option even after 15 days i called CS and asked for my milestone benefits voucher of Rs. 7000/-. They started delaying the matter by raising internal service requests. When i put a mail to them they replied saying that since the card has been upgraded in june the milestone benefits will be calculated from june 2018 to june 2019 and that the same falls short by Rs.10000/-. I escalated the matter since my annual fees was waived in october 2019 considering my annual spend from oct 18 to oct 19. They kept on saying the same thing till i escalated to Principal Nodal officer. I got a call from PNO and she clarified that my demand is correct as annual and milestone spends are both to be considered from month of payment of annual fees. She assured me that i would received a confirmation from the concerned department however i received a mail after 2 days with the same copy+paste statement that my milestone spend fell short by Rs. 10000/- from june 18 to june 19.
    I finally escalalted the matter to the last tier the Customer Services head and got a call and was assured a positive resolution by 22 nd nov however i didnt receive a reply till 26th nov and finally being frustrated with their pathetic customer service I closed my oldest card account with a limit of 3lakhs on 26th nov yesterday.
    So anybody going for Premium SBI cards kindly note that SBI doesnot understand the meaning of premium and doesnt have any idea how to cater to HNI cuatomers. They are only good for catering to basic beginners cards so goodluck with your milestone rewards.

    Reply
    1. SH

      This is exactly my point with SBI. They are a basket case and there are so many leaks that is a playground for fraudsters. Last year for two months I have been getting calls from SBI (or someone posing as SBI) asking me to confirm my name, PAN, and other details so that they can dispatch my card. I used to ask them for their names and then they used to shy away. But the point being that no matter how much of a premium card they launch, their service will make you feel that the card is cheap.

      Reply
    2. Arnab

      Siddharth with respect to my above post what do you feel. Wasn’t the milestone benefit payable in my case?? As per the MITC and Card Issuer’s agreement shouldn’t the milestone benefit spends be calculated from card renewal date ?? A reply from you will give some mental peace.

      Reply
    3. Anoop E S

      it is a very bad move on the part of Vistara to tie-up with SBI Cards. They just want to issue the cards in bulk quantity just like SBI cards issue fbb cards to everyone who visits big bazaar. i think this tie-up is going to spoil the name of vistara brand.

      Reply
    4. Gajanan

      I too closed my elite last year. I had SBI CC for more than 10 years with good spending on it. But since GE Cap decided to sell its stake, SBI CC has really gone down the drain.

      Reply
  12. Praveen

    We can hold two co branded cards I guess.. I m currently having air India and Etihad variants..

    Reply
    1. Neo

      of course not..having a credit card doesnt mean you need to hold an acct with the issuing bank

      Reply
  13. Captain Bishuddha Bharatiya

    SBI allows one person to hold upto 3 credit cards and sometimes even more.

    Reply
  14. Saurabh

    The online application process is pathetic. Application process didn’t complete and then i got a email confirming that I have successfully applied for star bazzar card. Is the how the tech developed by India’s biggest IT company works ?

    Reply
    1. Mouli

      Saurabh,
      I had a different issue,first time after applying it said thanks for applying for SimplyClick
      When I applied again it didn’t allow,saying resubmit then otp not present though I entered OTP
      Pathetic banking service from SBI,when I applied for Axis Vistara almost a year back it was a smooth experience just apply .no docs. agent will come home take pic and upload the scanned copy

      Reply
  15. Meet Sharma

    I have a SBI prime card. Its the last month of its first year. With 3L+ spends, annual charge would be reversed, but is it worth to use after 1st year? Or should I replace this with Vistara Prime?

    Reply
    1. swapneil

      irrespective you use vistara – cv points will expire after 3 years. so first earning should be veyr good and redemption should be good too

      Reply
  16. George Mathews

    Hi Sid,
    While redeeming the free economy vistara ticket milestone vouchers, is the ticket free regardless of the price? Are there any conditions/restrictions?
    Thanks for this review. Very helpful.

    Reply
  17. KARTIKAY GAUR

    I had written a mail to Vistara regarding the SBI Prime card. Here is the reply. Think it might be useful to some.

    Dear Mr. Gaur,

    Thank you for writing to us.

    Please find below the replies to your queries:

    1. On the free premium tickets, do I need to pay for the taxes and fees?

    CV Member will have to bear the taxes and surcharges.

    2. What is the validity of these premium economy tickets?

    The Voucher is valid only for travel within 6 months from the date of its issuance and the expiry date of the voucher cannot be extended.

    3. Will I continue to get the silver status benefits on the renewal of the card? Or are they only for the first year?

    You will continue to enjoy the Silver Tier benefits as per the renewal of your Prime card.

    For further details, we would request you to please refer to the link below:

    SBI Vistara Cards

    Please feel free to get back to us in case of any further queries.

    Warm regards,

    Club Vistara

    Reply

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