M16S / State Bank of India (SBI Card) / Club Vistara SBI Card PRIME
premium · cobrand, travel
Club Vistara SBI Card PRIME
The Club Vistara SBI Card PRIME charges no annual fee, with a joining fee of Rs 2,999. It earns 4 CV Points per Rs 200 on all retail categories, including fuel. The forex markup is 3.5%. Lounge visits in India: 8 per year, max 2 per quarter. Abroad: 4 per calendar year outside India, max 2 per quarter, via Priority Pass. Read from the issuer's own documents on 12 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- —
- Forex markup
- 3.5%
- Interest
- 3.75%a month
What changed on this card
- SBI Card to add 1% fee on transport above Rs 30,000, Dec 2026
From 1 Dec 2026 SBI Card charges 1% of the transaction amount on every transportation transaction above Rs 30,000 (MCCs 4111, 4784, 4131). Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card to add 1% fuel fee above Rs 50,000 a cycle, Dec 2026
From 1 Dec 2026, if fuel transactions in a billing cycle exceed Rs 50,000, SBI Card charges 1% on the total fuel spends. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card limits statement credit to multiples of 4,000 points, Apr 2026
From 1 Apr 2026 Reward Points for Statement Credit can be redeemed only in multiples of 4,000 Points, on all eligible cards except the two PhonePe cards. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card caps statement credit redemption at 60,000 points, Apr 2026
From 1 Apr 2026 redemption of Reward Points for Statement Credit is capped at 60,000 Points per month on all eligible cards except Air India SBI Signature and the two PhonePe cards. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card revises late payment charges from May 2026
From 1 May 2026 no charge applies up to Rs 100 due (was up to Rs 500). Rs 100 applies above Rs 100 up to Rs 500, and Rs 500 above Rs 500 up to Rs 1,000 (was Rs 400). Higher slabs are unchanged. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card revises domestic lounge list for Prime, Miles Prime, Jan 2026
SBI Card Prime and Miles Prime are in lounge Set B, with a revised list of 30 participating domestic lounges from 10 Jan 2026. The PDF does not state the number of visits. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card adds 1% fee on wallet loads above Rs 1,000, Nov 2025
From 1 Nov 2025 SBI Card charges 1% of the transaction amount on every wallet load transaction above Rs 1,000. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card adds 1% fee on education payments via apps, Nov 2025
From 1 Nov 2025 a 1% fee applies to education payments made through third-party apps. Payments made directly to colleges or schools through their websites or POS machines carry no fee. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card adds Rs 200 cheque processing fee from Sep 2025
From 15 Sep 2025 a Cheque Processing Fee of Rs 200 applies to outstanding payments made by cheque. Payments by UPI, BBPS and NEFT stay free of extra charges. Source: SBI Card, sbicard.com, read 28 Oct 2026
- Club Vistara SBI Card Prime ends renewal and milestone tickets, Apr 2025
For cards due for renewal after 1 Apr 2025 the renewal Premium Economy ticket voucher and the milestone tickets (at Rs 1.5, 3, 4.5 and 8 lakh annual spend) are discontinued. The Rs 2,999 renewal fee is waived in such cases. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card adds 1% fee on utility payments above Rs 50,000, Dec 2024
From 1 Dec 2024, if utility payments in a billing cycle add up to more than Rs 50,000, SBI Card charges a 1% fee on the total utility amount. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card raises finance charge to 3.75% a month from Nov 2024
From 1 Nov 2024 the rate of Finance Charges is 3.75% p.m. on all unsecured SBI credit cards, except Shaurya and Defense cards. Source: SBI Card, sbicard.com, read 28 Oct 2026
- Club Vistara SBI Card Prime closed to new customers, Sep 2024
SBI Card stopped issuing new Club Vistara SBI Credit Card PRIME cards from 28 Sep 2024. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card stops reward points on government payments for co-brand cards, Jul 2024
From 15 Jul 2024 Reward Points do not accrue on government related transactions on the listed co-brand cards. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card stops reward points on rent payments for co-brand cards, Apr 2024
From 15 Apr 2024 Reward Points do not accrue on rent payments on the listed co-brand cards. Source: SBI Card, sbicard.com, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 2,999 |
|---|---|
| Annual feeunverified | Free |
| Fee notes | Annual (first-year) fee Rs 2,999; renewal fee Nil from second year per the product page ('Fee not to be charged' on cards due for renewal after 1 Apr 2025). Add-on card free. |
Rewards
| Reward currency | Club Vistara (CV) Points, redeemed on Air India and partner airlines |
|---|---|
| Base earn | 4 CV Points per Rs 200 on all retail categories, including fuel |
| Point value | No rupee value stated; CV Points are redeemed for flights |
| Milestone benefits | 1 Yatra hotel e-voucher worth Rs 10,000 at Rs 8 lakh annual spend. The older milestone of 1 Premium Economy ticket at Rs 1.5 lakh, 3 lakh, 4.5 lakh and 8 lakh is discontinued for cards due for renewal after 1 Apr 2025. |
| Reward notes | base_return_pct left null: CV Points have no issuer-stated rupee value. |
Travel and perks
| Domestic lounge | 8 per year, max 2 per quarter |
|---|---|
| International lounge | 4 per calendar year outside India, max 2 per quarter, via Priority Pass |
| Lounge conditions | Priority Pass for primary cardholder only, complimentary membership valid 2 years. Listed on the issuer's revised domestic lounge list effective 10 Jan 2026 (Set B). |
| Forex markup | 3.5% |
| Other freebies | Insurance: lost-card liability up to Rs 1 lakh; flight cancellation up to 6 cancellations per year, Rs 3,500 each; lost check-in baggage up to Rs 72,000; baggage delay Rs 7,500; lost travel documents up to Rs 12,500; baggage damage up to Rs 5,000. Priority Pass membership worth USD 99. |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026) |
| Cash advance fee | 2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one |
| Fine-print notes | Issuer product page read 2026-10-12 (rendered text); fields not listed in unverified_fields are from it or from the issuer MITC/KFS/notices already cited. Issuance discontinued from 28 Sep 2024 (issuer notice); status stays closed-to-new. CONFLICT on the renewal fee: the entry previously showed annual_fee Rs 2,999 with the note 'renewal fee still charged; renewal and milestone benefits ended 1 Apr 2025' (earlier reading of issuer notices/MITC). The product page now states 'Renewal Fee (per annum): Nil' and 'There is no Renewal Fee from second year onwards', so annual_fee is set to 0; cardholders whose renewal date fell before 1 Apr 2025 keep the old renewal/milestone benefits and are charged the fee. Earn rate, lounge counts and insurance, which were empty, are now from the page. Points are Club Vistara (CV) Points, which the page says are redeemed on Air India and partner airlines via the Maharaja Points redemption page. Network not set: the page only refers to MasterCard or Visa ATMs/payWave. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST. |
Questions
- What is the annual fee of the Club Vistara SBI Card PRIME?
- No annual fee.
- Does the Club Vistara SBI Card PRIME give airport lounge access?
- Yes. In India: 8 per year, max 2 per quarter. Outside India: 4 per calendar year outside India, max 2 per quarter, via Priority Pass. Conditions: Priority Pass for primary cardholder only, complimentary membership valid 2 years. Listed on the issuer's revised domestic lounge list effective 10 Jan 2026 (Set B).
- What is the forex markup on the Club Vistara SBI Card PRIME?
- 3.5% of each foreign-currency transaction, before GST.