Bank Of Baroda Easy Visa Credit Card vs Club Vistara Sbi Card Visa Credit Card: Which is Better in 2026?
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The Bank Of Baroda Easy Visa Credit Card and the Club Vistara SBI Card Visa Credit Card cater to different user needs. Bank Of Baroda Easy Visa focuses on rewarding everyday spends like departmental stores and movies with accelerated points, while Club Vistara SBI Card is tailored for frequent flyers with travel-centric benefits including complimentary lounge access and flight vouchers. Both cards charge a forex markup of 3.5%, but their fee structures and reward redemption options differ significantly.
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 | Bank Of Baroda Easy Visa Credit Card | Club Vistara Sbi Card Visa Credit Card |
|---|---|---|
| Bank | Bank Of Baroda | SBI Cards |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.500 | — |
| Annual / renewal fee | Annual Fee of Rs.500 | Annual Fees - Rs.1499 |
| Annual fee waiver | Spend Rs.6000 For Joining Fee Waiver | — |
| Reward rate (headline) | 5X Reward Points on Departmental Stores | 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 |
| Welcome benefit | Earn 500 Reward points As Welcome Benefit on the Spends of Rs.5000 | 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 | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
When it comes to rewards, the Club Vistara SBI Card offers points specifically aligned with travel spending, earning 3 CV Points for every Rs. 200 spent, plus milestone bonuses and valuable flight vouchers. In contrast, the Bank Of Baroda Easy Visa Credit Card provides 5X reward points on departmental stores and movies, which may appeal more to everyday shoppers. However, the Club Vistara card's rewards are more valuable for those who frequently fly with Vistara, making it superior for travel-related rewards.
Which is better for travel?
For travel benefits, the Club Vistara SBI Card clearly stands out with its complimentary Priority Pass membership, four domestic airport lounge accesses per year, and multiple milestone-based economy class ticket vouchers. The Bank Of Baroda Easy Visa Credit Card does not offer any lounge access or travel-specific perks, making the Club Vistara card the better choice for travelers seeking airport comfort and flight-related rewards.
Which has lower effective cost?
In terms of fees, the Bank Of Baroda Easy Visa Credit Card has a lower joining and annual fee of Rs. 500 each, with a waiver on the joining fee after spending Rs. 6000. The Club Vistara SBI Card has a higher annual fee of Rs. 1499 and does not mention any fee waiver. Both cards have the same forex markup of 3.5%. For cost-conscious or beginner users, the Bank Of Baroda card offers a more affordable entry point.
Travel Benefits and Lounge Access
The Club Vistara SBI Card offers significant travel perks including four complimentary domestic airport lounge visits annually and a Priority Pass membership for international lounges, which the Bank Of Baroda Easy Visa Credit Card lacks. This makes the Club Vistara card more suited for frequent flyers seeking comfort and convenience at airports.
Fee Waiver and Cost Structure
Bank Of Baroda Easy Visa Credit Card provides a joining fee waiver upon spending Rs. 6000, which can reduce the effective cost for new cardholders. The Club Vistara SBI Card does not specify any fee waiver, and its higher annual fee may be justified only if the user fully utilizes the travel benefits.
Who should pick Bank Of Baroda Easy Visa Credit Card?
Consider Bank Of Baroda Easy Visa Credit Card if you are looking for an affordable credit card with straightforward rewards on everyday categories like departmental stores and movies. It suits users who prefer lower fees and want to earn points that can be redeemed for cashback. This card is also suitable for beginners who want to avoid complex milestone requirements.
Who should pick Club Vistara Sbi Card Visa Credit Card?
Consider Club Vistara SBI Card Visa Credit Card if you are a frequent traveler with Vistara Airlines and want to maximize travel benefits such as complimentary lounge access, flight ticket vouchers, and bonus points on travel spends. Despite a higher annual fee, its travel-focused rewards and milestone benefits provide good value for those who can utilize them.
Frequently Asked Questions
Bank Of Baroda Easy Visa Credit Card charges Rs. 500 as annual fee with a joining fee of Rs. 500 (waivable on Rs. 6000 spend), while Club Vistara SBI Card has an annual fee of Rs. 1499 with no mentioned waiver.
Yes, both cards levy a forex markup fee of 3.5% on foreign currency transactions.
Club Vistara SBI Card provides four complimentary domestic airport lounge accesses per year and a Priority Pass membership for international lounges. Bank Of Baroda Easy Visa Credit Card does not offer any lounge access.
Bank Of Baroda Easy Visa Credit Card offers 500 reward points on spending Rs. 5000 as a welcome benefit. Club Vistara SBI Card offers a complimentary economy class ticket voucher as a welcome benefit.
Bank Of Baroda Easy Visa Credit Card allows redemption of reward points for cashback. The Club Vistara SBI Card's rewards are primarily travel points with no explicit cashback redemption mentioned.
Club Vistara SBI Card offers milestone benefits including bonus CV points and multiple economy class ticket vouchers on reaching specified annual spends. Bank Of Baroda Easy Visa Credit Card does not have milestone benefits.