Air India SBI Platinum Credit Card

Air India SBI Platinum Credit Card
Air India SBI Platinum Credit Card

Card Details

  • Earn 2 Reward points for every Rs. 100 spent on your Air India SBI Platinum Card.
  • Earn 5X Reward points for every Rs. 100 spent on Air India tickets.
  • Earn 5,000 Reward points worth Rs. 1,250 as a welcome gift on the payment of your joining fee.
  • An anniversary gift of 2,000 Reward points worth Rs. 500 every year on payment of renewal fee.
  • Enjoy complimentary membership to the Air India Frequent Flyer Program – Flying Returns.
  • Get up to 15,000 bonus Reward points worth Rs. 3,750 annually on annual spend of Rs. 3 Lacs.
  • Enjoy a complimentary Visa Lounge Access Program at major domestic airports.
  • Enjoy a 2.5% fuel surcharge waived across all petrol pumps for transactions between Rs. 500 to Rs. 4,000, subject to maximum Rs. 250 per statement cycle.
  • Get complimentary lost card liability cover of Rs. 1 Lac, applicable from the period of 48 hours prior to reporting of loss till 7 days post the reporting of loss.

Pros & Cons

ProsCons
High on Bonus Rewards
Complimentary Lounge Access
Reward Points are Convertible into Air Miles
No Annual Fee Waiver

Fee Details

  • Annual Fee: Rs. 1,499
  • First Year / Joining Fee: Up to Rs. 1,499
  • Add-on Fee: Nil
  • Grace Period: 20-50 days
  • Finance Charges on Extended Credit: Up to 3.35% per month, accounting to 40.2% per annum, from the date of transaction
  • Min Amount Due: 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)
  • Cash Advance Limit: Up to 80% of the credit limit, maximum Rs. 15,000 per day
  • Free Credit Period: Nil
  • Finance Charges on Cash Advance: Up to 3.35% per month accounting to 40.2% per annum from the date of withdrawal
  • Cash Advance Fee on SBI or other ATMs: 2.5% of withdrawal or Rs. 300 per transaction, whichever is higher
  • Cash Advance Fee on International ATMs: 3.0% of withdrawal or Rs. 300 per transaction, whichever is higher
  • Cash Payment Fee: Rs. 100
  • Payment Dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 350
  • Late payment: Nil for the total amount due from Rs. 0 to Rs. 200; Rs. 100 for the total amount due greater than Rs. 200 and up to Rs. 500; Rs. 400 for total amount due greater than Rs. 500 and up to Rs. 1,000; Rs. 500 for total amount due greater than Rs. 1,000 and up to Rs. 10,000; Rs. 750 for the total amount due greater than Rs. 10,000
  • Over-limit: 2.5% of over-limit amount subject to a minimum of Rs. 500
  • Card replacement: Rs. 100
  • Card replacement, when abroad: Nil
  • Foreign currency transaction: Conversion mark up – 3.5%
  • Rewards redemption fee: Up to Rs. 99. Nil for redemption on Air India Miles
  • Railway tickets through counters: Rs. 30 + 2.5% of the transaction amount
  • Railway tickets through irctc.co.in: 1.8% of transaction amount + service charge, as applicable
  • Fuel Surcharge (All Fuel Products and Services): 2.5% fuel surcharge waiver for each transaction between Rs. 500 & Rs. 4,000, exclusive of all applicable taxes, wherever applicable, and all other charges. Maximum surcharge waiver of Rs. 250 per statement cycle, per credit card accounts.
  • Payment of customs duty: 2.25% of the transaction amount, minimum of Rs. 75

Reward Program

  • Earn 2 Reward points for every Rs. 100 spent.
  • Earn 10 Reward points for every Rs. 100 spent on Air India tickets (Air India tickets must be booked through Air India website, Air India Mobile App, Air India call center or Air India booking offices to qualify for 10 reward points per Rs. 100). Convert your Reward points into Air India miles (Reward points are converted to Air Miles in 7 working days from the date of receiving the request. Minimum 5,000 reward points will be required in your card account for conversion of Reward Points into Air India miles and redemption will be possible only in multiples of 5,000 reward points. Reward Points once converted into Air India Air Miles cannot be reversed). 1 Reward point is equal to 1 Air India Air mile.

Reward Rate: Rs. 0.50 per Rs. 100 spend

Intro Bonus Offer

  • Get 5,000 Reward points worth Rs. 1,250 as a welcome gift on the payment of your joining fee.

Bonus Offers

  • Enjoy an anniversary gift of 2,000 Reward points worth Rs. 500 every year when you pay your renewal fee.
  • Get complimentary membership to the Air India Frequent Flyer Program – Flying Returns (Complimentary membership allows the member to accrue or earn miles, but in order to redeem miles for self, the member is required to have at least one flight accrual activity registered from the date of enrollment as a Flying Returns member. Member needs to have at least five flight accrual activities registered from the date of enrollment in order to redeem miles for family and friends)
  • Get up to 15,000 bonus Reward points worth Rs. 3,750 annually (5,000 Reward Points on annual spend of Rs. 2 Lacs. 10,000 Reward Points on annual spend Rs. 3 Lacs and total of 15,000 Reward Points worth Rs. 3,750)

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