Does the Club Vistara SBI Card give airport lounge access?

Yes. In India: 4 per year, max 1 per quarter (unused visits lapse). Outside India: none listed. Conditions: Guests are charged at entry. Listed on the issuer's revised domestic lounge list effective 10 Jan 2026 (shorter 16-lounge list).

What is the forex markup on the Club Vistara SBI Card?

3.5% of each foreign-currency transaction, before GST.

M16S / State Bank of India (SBI Card) / Club Vistara SBI Card

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Club Vistara SBI Card

State Bank of India (SBI Card) · with Club Vistara (merged into Air India Maharaja Club)Last checked 12 Oct 2026closed to new applicants

The Club Vistara SBI Card charges no annual fee, with a joining fee of Rs 1,499. It earns 3 CV Points per Rs 200 on all retail categories, including fuel. The forex markup is 3.5%. Lounge visits in India: 4 per year, max 1 per quarter (unused visits lapse). 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

Fees

Joining fee	Rs 1,499
Annual feeunverified	Free
Fee notes	Annual (first-year) fee Rs 1,499; renewal fee Nil from second year per the product page. Add-on card free.

Rewards

Reward currency	Club Vistara (CV) Points, redeemed on Air India and partner airlines
Base earn	3 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 5,000 at Rs 5 lakh annual spend
Reward notes	base_return_pct left null: CV Points have no issuer-stated rupee value.

Travel and perks

Domestic lounge	4 per year, max 1 per quarter (unused visits lapse)
International lounge	None free; Priority Pass membership worth USD 99 for 24 months, USD 27 + taxes per visit
Lounge conditions	Guests are charged at entry. Listed on the issuer's revised domestic lounge list effective 10 Jan 2026 (shorter 16-lounge list).
Forex markup	3.5%
Other freebies	Insurance: lost-card liability up to Rs 1 lakh; flight cancellation up to 4 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 2,500. 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 1,499 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. The page's milestone graphic also shows Rs 1.25 lakh / Rs 2.5 lakh tiers for a '1 Premium ... Hotel Voucher' that the text does not explain; only the Rs 5 lakh Yatra voucher is recorded. 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?: No annual fee.
Does the Club Vistara SBI Card give airport lounge access?: Yes. In India: 4 per year, max 1 per quarter (unused visits lapse). Outside India: none listed. Conditions: Guests are charged at entry. Listed on the issuer's revised domestic lounge list effective 10 Jan 2026 (shorter 16-lounge list).
What is the forex markup on the Club Vistara SBI Card?: 3.5% of each foreign-currency transaction, before GST.