Question 1

What is the annual fee on the Club Vistara SBI Card PRIME and how do you get it waived?

Accepted Answer

The Club Vistara SBI Card PRIME charges ₹2,999 plus GST as a joining fee and the same ₹2,999 again at renewal. SBI Card waives the renewal fee if you spend ₹3L in the previous year, which is about ₹25,000 a month. If your card spend sits below that, treat ₹2,999 as a real yearly cost that your rewards have to clear first.

Question 2

What is the reward rate on the Club Vistara SBI Card PRIME?

Accepted Answer

You earn 4 points per ₹200 on all your spends including fuel. Each point is worth about ₹1 when you redeem it well, so ₹10,000 of top category spend gives you 200 points, roughly ₹200, which is about 2% back.

Question 3

Does the Club Vistara SBI Card PRIME give free airport lounge access?

Accepted Answer

The Club Vistara SBI Card PRIME gives 8 complimentary domestic lounge visits a year, usually capped at 2 per quarter. International lounge visits are capped at 4 a year. There is no prior spend requirement on paper, though SBI Card has been moving cards to spend linked access, so confirm before you rely on it at the airport.

Question 4

Can you still apply for the Club Vistara SBI Card PRIME?

Accepted Answer

No. Vistara-Air India merger wind-down; no fresh issuance. The date on record is Mar 31, 2026 (issuance stopped Sep 30, 2024). Existing cards keep working and your points stay usable until then, so redeem what you are holding rather than waiting. Do not pay a renewal fee on a card that is being wound down.

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Club Vistara SBI Card PRIME

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