SBI Yatra Credit Card Review (2026)
SBI's travel co-brand with Yatra.com. 5% back on Yatra bookings at just 499/year. Only worth it if Yatra is your primary travel booking platform.
Last updated: 2026-04-09· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹499 |
| Joining Fee | ₹499 |
| Fee Waiver | Spend 1.5L in a year |
| Income Required | ₹4L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: Yatra e-Cash
Milestone Benefits
Yatra voucher worth 500 on spending 1.5L
Lounge Access
Our Review
The SBI Yatra card has a problem: Yatra.com's market share has shrunk significantly compared to MakeMyTrip and Cleartrip. The 5% back on Yatra bookings is decent, but you need to ask whether you're actually booking through Yatra regularly. Most people don't. The 1% base rate on everything else means this card is dead weight for non-travel spending. If you're looking for a travel card, the ICICI MakeMyTrip card offers the same 5% on a more popular platform, and HDFC cards with SmartBuy offer 10x on travel. The Yatra card made more sense when Yatra was a major player — today, there are better options for travel rewards.
Pros & Cons
Pros
- + 5% back on Yatra.com bookings — flights, hotels, packages
- + Low 499 fee with easy waiver
- + Yatra e-Cash directly usable for next booking
- + 2 complimentary domestic lounge visits
Cons
- - 1% base rate on non-Yatra spends is terrible
- - Yatra.com is less popular than MakeMyTrip or Cleartrip
- - e-Cash locked into Yatra platform only
- - Only 2 lounge visits — bare minimum
Best For
Frequently Asked Questions
Is the SBI Yatra Credit Card worth it in 2026?
It depends on your spending. The SBI Yatra Credit Card costs ₹499/year (waiver: Spend 1.5L in a year). With an effective base return of 0.3%, you'd need to spend approximately ₹2.0L per year just to break even on the fee. If your annual spend exceeds that, the card earns you money.
What is the SBI Yatra Credit Card annual fee?
The SBI Yatra Credit Card has an annual fee of ₹499. Joining fee is also ₹499. Fee waiver: Spend 1.5L in a year.
What is the minimum salary required for SBI Yatra Credit Card?
The minimum annual income required for the SBI Yatra Credit Card is ₹4L. However, if you have an existing banking relationship with SBI Card, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on SBI Card's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.