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SBI
₹1,499
Joining fee
₹1,499, waived at ₹3L spend
Annual fee
Not found/not mentioned — no confirmed waiver.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹35,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 700+
Estimated — not officially confirmed by the bank.
Salaried or self-employed; minimum income 'communicated at the time of sourcing' rather than a fixed published figure
Lounge access
Domestic: 4 complimentary visits annually, limited to 1/quarter
International: Priority Pass membership included (normally USD 99 value), but each lounge visit costs USD 27 + taxes — membership is complimentary, visits are not free
Reward details
3 Club Vistara (CV) points per Rs 200 spent on all spends
Welcome bonus: 1 economy class ticket after fee payment, plus 1,000 CV points for Rs 50,000 spend within 90 days
Redemption
1 CV point = Re 1 for Vistara Airlines tickets (moot given Vistara's merger into Air India)
Ratio: 1:1
Sources