Apollo Sbi Card Mastercard Credit Card vs Club Vistara Sbi Card Visa Credit Card: Which is Better in 2026?
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The Apollo Sbi Card Mastercard Credit Card offers no notable benefits, while the Club Vistara Sbi Card Visa Credit Card provides a range of travel-focused rewards and perks. This comparison highlights the differences in features and value for potential cardholders.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Apollo Sbi Card Mastercard Credit Card | Club Vistara Sbi Card Visa Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | MasterCard | Visa |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fees - Rs.1499 |
| Annual fee waiver | — | — |
| Reward rate (headline) | — | Earn 3 CV Points For Every Rs. 200 |
| Lounge — domestic | — | Enjoy 4 Complimentary Airport Lounge Access Per Year |
| Lounge — international | — | Complimentary Priority Pass Membership worth US $99 |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Welcome Benefit - Complimentary Economy Class Ticket Voucher |
| Milestone benefit | — | Earn 1000 Bonus CV Points on Spend of Rs.50000 |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Club Vistara Sbi Card Visa Credit Card is superior for rewards, offering 3 CV Points for every Rs. 200 spent and additional bonus points for meeting spending milestones. In contrast, the Apollo Sbi Card Mastercard Credit Card lacks any rewards structure, making it unsuitable for those seeking to earn points or cashback.
Which is better for travel?
For travel benefits, the Club Vistara Sbi Card Visa Credit Card stands out with complimentary airport lounge access and a Priority Pass membership, enhancing the travel experience. The Apollo Sbi Card Mastercard Credit Card does not provide any travel-related perks or lounge access, making it less appealing for frequent travelers.
Which has lower effective cost?
While both cards have no joining fee, the Club Vistara Sbi Card Visa Credit Card has an annual fee of Rs. 1499. However, it offers significant value through travel rewards and benefits, which may justify the fee for frequent travelers. The Apollo Sbi Card Mastercard Credit Card does not specify any fees but lacks benefits that would enhance its value.
Who should pick Apollo Sbi Card Mastercard Credit Card?
Consider Apollo Sbi Card Mastercard Credit Card if you prefer a card with no annual fees and are not focused on earning rewards or travel benefits. This card may suit those who want a straightforward credit card without additional perks.
Who should pick Club Vistara Sbi Card Visa Credit Card?
Consider Club Vistara Sbi Card Visa Credit Card if you are a frequent traveler looking to earn rewards on your spending. With its travel-focused benefits, including lounge access and bonus points, it is designed for those who want to maximize their travel experience.
Frequently Asked Questions
No, the Apollo Sbi Card Mastercard Credit Card does not offer any rewards or cashback.
The Club Vistara Sbi Card Visa Credit Card offers complimentary airport lounge access and a Priority Pass membership.
The Apollo Sbi Card Mastercard Credit Card does not specify an annual fee.
The forex markup for the Club Vistara Sbi Card Visa Credit Card is 3.5% on foreign currency transactions.