Best for
Terms structured from published copy
6 reward rates with their caps, taken from STATE BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 26 Jul 2025.
See where each figure came from →STATE BANK
Entry-level Yatra travel rewards card - now discontinued
Welcome benefit: Yatra.com e-gift vouchers worth up to Rs. 8,250 (domestic/international flight discount vouchers and a hotel booking voucher) on payment of the joining fee. DISCONTINUED with effect from 1 May 2025.
Applying takes you to STATE BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Dining
Pays up to ₹5,000 a month — reached at about ₹83,333 of spend
Groceries
Pays up to ₹5,000 a month — reached at about ₹83,333 of spend
Entertainment
Pays up to ₹5,000 a month — reached at about ₹83,333 of spend
Everything else
Pays up to ₹5,000 a month — reached at about ₹83,333 of spend
Everything else
Pays up to ₹5,000 a month — reached at about ₹83,333 of spend
Everything else
No published ceiling on this tier
Not consistently disclosed in available sources for this specific card; typically excludes fuel, wallet loads, rent, EMI and cash advance transactions in line with standard SBI Card terms - verify on the official T&C All exclusions →
The 6% stops at ₹5,000You reach that ceiling at about ₹3,33,333 of dining per month. Everything above it earns the base rate.
₹499 a year unless you spend ₹1,00,000That is about ₹8,333 a month, every month. Miss it and the renewal fee is charged in full.
Some spends never earnNot consistently disclosed in available sources for this specific card; typically excludes fuel, wallet loads, rent, EMI and cash advance transactions in line with standard SBI Card terms - verify on the official T&C Not consistently disclosed in available sources for this specific card See the exclusions section for the full list.
One strength and one catch, both taken from the card's own structured terms rather than written as marketing copy.
Key strength
6% on Dining — 6 Reward Points per Rs.100 on dining spends; shares a combined 5,000 RP/month cap with grocery, departmental store, movie & entertainment spends, up to ₹5,000 per month.
Biggest limitation
SBI Card discontinued issuance of the Yatra SBI Card with effect from 28 March 2025. The welcome gift and all Yatra.com travel discount benefits were withdrawn for all cardholders (new and existing) from 1 May 2025, and the complimentary Rs. 50 lakh air accident insurance cover was withdrawn from 26 July 2025.
Each benefit with what it is worth, what unlocks it and where it stops — the three things a brochure leaves out.
6% on dining
Up to ₹5,000 per month
All eligible transactions in this category
About ₹83,333 of spend reaches the cap
6% on groceries
Up to ₹5,000 per month
All eligible transactions in this category
About ₹83,333 of spend reaches the cap
6% on entertainment
Up to ₹5,000 per month
All eligible transactions in this category
About ₹83,333 of spend reaches the cap
6% on everything else
Up to ₹5,000 per month
All eligible transactions in this category
About ₹83,333 of spend reaches the cap
6% on everything else
Up to ₹5,000 per month
All eligible transactions in this category
About ₹83,333 of spend reaches the cap
1% on everything else
No stated ceiling
All eligible transactions in this category
No cap published — confirm in the issuer’s terms
Each tier as the issuer publishes it — the rate, the ceiling it stops at, and the minimum transaction it needs.
6 pts
cappedDining
Pays up to ₹5,000 per month — reached at about ₹83,333 of spend.
6 Reward Points per Rs.100 on dining spends; shares a combined 5,000 RP/month cap with grocery, departmental store, movie & entertainment spends
6 pts
cappedGroceries
Pays up to ₹5,000 per month — reached at about ₹83,333 of spend.
6 Reward Points per Rs.100 on grocery spends; shares the combined 5,000 RP/month cap above
6 pts
cappedEntertainment
Pays up to ₹5,000 per month — reached at about ₹83,333 of spend.
6 Reward Points per Rs.100 on movies & entertainment spends; shares the combined 5,000 RP/month cap above
6 pts
cappedEverything else
Pays up to ₹5,000 per month — reached at about ₹83,333 of spend.
6 Reward Points per Rs.100 on departmental store spends; shares the combined 5,000 RP/month cap above
6 pts
cappedEverything else
Pays up to ₹5,000 per month — reached at about ₹83,333 of spend.
6 Reward Points per Rs.100 on international spends across all categories; capped separately at 5,000 RP/month
1 pts
uncappedEverything else
1 Reward Point per Rs.100 on all other spends not covered by accelerated categories; no monthly cap disclosed on this base rate
Priced by the same engine the card finder uses, with caps, minimum transactions and excluded categories all applied.
Your monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
These are different numbers, and CredSpy never mixes them. A welcome benefit lands once; a fee waiver has to be earned again.
Year one
₹8,250
of one-time welcome value, on top of what you earn
Every year after
₹1,00,000 a year
is what it takes to keep the ₹499 fee off — about ₹8,333 a month
The conditions that decide what this card is actually worth. None of this is buried in small print here.
Everything we hold from the issuer's schedule. A charge with no row is one we have not recorded, not one that does not exist.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹499 | — |
| Annual / renewal fee | ₹499 | Annual fee reversed from the second year onward on spends of Rs. 1,00,000 or more in the preceding year |
| Add-on card | Add-on cards available for spouse, children, parents or siblings above 18 years; no separate add-on fee disclosed | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn or Rs. 500, whichever is higher |
| Late payment | Rs. 0 to Rs. 1,300, depending on the total amount due | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Each block says yes, no, or that we do not know — the three are different answers.
The original MasterCard-network variant of this card offered 8 complimentary domestic lounge visits per year (2 per quarter); the final RuPay-network variant issued before discontinuation did not carry complimentary lounge access
1% waiver. Applicable on transactions between Rs. 500 and Rs. 3,000 at all petrol pumps in India
Linkable to UPI. RuPay-network variant can be linked to UPI apps for payments, in line with NPCI's RuPay-UPI linkage; no distinct UPI reward rate confirmed
Welcome — once
₹8,250
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
2
spend thresholds you can reach again each year
Yatra.com e-gift vouchers worth up to Rs. 8,250 (domestic/international flight discount vouchers and a hotel booking voucher) on payment of the joining fee. DISCONTINUED with effect from 1 May 2025.
Spend ₹30,000 a year — about ₹2,500 a month
Rs. 500 Yatra.com discount voucher for every Rs. 30,000 spent on the card - a repeating milestone, not limited to a single occurrence per year (historical benefit; travel benefits withdrawn 1 May 2025)
Spend ₹1,00,000 a year — about ₹8,333 a month
Annual fee of Rs. 499 reversed from the second year onward on spends of Rs. 1,00,000 or more in the preceding year
The criteria the issuer publishes. Meeting them is not approval — that decision is the bank's.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
Every catch on this card in one list, ordered by how much it matters.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
Compare any of these against this card on your own spending.
The same facts side by side. Which one wins depends on where your money actually goes.
| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Yatra SBI Card BK · this card | ₹499 | 6% dining | No |
| Etihad Guest SBI Card BK | ₹1,499 | See card | No |
| Etihad Guest SBI Premier Card BK | ₹4,999 | See card | No |
| SBI SimplySAVE Credit Card | ₹499 | 10X points per ₹150 | No |
| SBI SimplyCLICK Credit Card | ₹499 | Up to 25% rewards | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹499 plus GST, waived on ₹1,00,000 of annual spend.
The strongest published rate is 6% on dining, capped at ₹5,000 per month — so roughly ₹83,333 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes. RuPay-network variant can be linked to UPI apps for payments, in line with NPCI's RuPay-UPI linkage; no distinct UPI reward rate confirmed
Not consistently disclosed in available sources for this specific card; typically excludes fuel, wallet loads, rent, EMI and cash advance transactions in line with standard SBI Card terms - verify on the official T&C Not consistently disclosed in available sources for this specific card
Redeemable only for Yatra.com e-gift vouchers via the SBI Card Rewards portal, minimum 1,000 Reward Points required per redemption, a redemption fee of approx. Rs. 99 applies per redemption
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Yatra SBI Card BK — 6% on dining, up to ₹5,000 per month. ₹499 a year.
