Author
LoansJagat Team
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16 Minute
07 Feb 2025
Air India SBI Credit Card – A Complete Guide to Benefits, Fees & Application Process
Ms. Radhika, a frequent business traveller, made her travels more rewarding using the Air India SBI Signature Credit Card. She was earning reward points for all purchases, which were redeemable for flights and upgrade points on every purchase.
Access to exclusive airport lounges made her journey easier. All in all, she availed herself of discounts on her flights and hotels in connection with her business tours; with all these benefits, the Air India SBI Signature Credit Card was her go-to card.
The Air India SBI Credit Cards are perfect for a frequent flyer like Radhika. You can earn points not only on flight bookings but also on your daily expenditure. The Signature and Platinum cards have free or low-cost membership in Air India's Frequent Flyer Program, which means you can build up miles faster.
The signature card gives you benefits in booking tickets, and the platinum card welcomes you with reward points. Air India SBI credit cards make travel easy and rewarding: lounge access, discounts, and more.
What is an Air India SBI Credit Card?
The Air India SBI credit card is a co-branded card issued by Air India in association with SBI. The credit card rewards the user for spending on Air India flights and all other purchases. The advantages of using the credit card include points acquired through every transaction, free entry into domestic airport lounges, and immunity from fuel surcharges at Indian petrol stations.
It offers free membership in the Air India Frequent Flyer Program, thus enhancing the travel advantages. You can withdraw cash from any of the Visa ATMs worldwide, so you should never face a situation where you have no ready money.
Types of SBI Air India Credit Cards
- Air India SBI Signature Credit Card
- Air India SBI Platinum Credit Card
1. Air India SBI Platinum Credit Card
This card is perfect for frequent flyers, rewards points, and lounge access, among many more benefits. With this card, you can earn up to 15 points on every ₹100 spent on an Air India ticket. This card offers free domestic lounge access, a 1% fuel surcharge waiver, and cash withdrawal from Visa ATMs worldwide. In addition, this card provides you with a lost card cover of ₹1 lakh and emergency card replacement.
Features of the Air India SBI Platinum Credit Card
Here’s a table summarizing the features of the Air India SBI Platinum Credit Card
Features | Description |
Reward Points | Earn points on purchases, which can be converted into Air India miles for flights or upgrades. |
Complimentary Lounge Access | Free entry to domestic airport lounges for a more comfortable travel experience. |
Frequent Flyer Program Membership | Get free Air India's Flying Returns program membership and earn more miles with each flight. |
Fuel Surcharge Waiver | 1% waiver on fuel purchases at petrol pumps across India to save on fuel costs. |
Lost Card Liability Cover | Coverage of up to ₹1 lakh if the card is lost within 48 hours before and 7 days after reporting it. |
Emergency Card Replacement | Get a replacement card while travelling abroad, with 24/7 assistance in case of loss or theft. |
Add-On Cards | Apply for additional cards so that family members can manage all spending activities easily. |
Cash on the Go | Withdraw cash from over 1 million Visa ATMs worldwide whenever you need it. |
Global Acceptance | Accepted at over 2 million Visa outlets worldwide, offering flexibility and convenience. |
Charges on Air India SBI Platinum Credit Card
Here’s a table summarizing the fees and charges for the SBI Platinum credit card, SBI Advantage Platinum credit card, and Air India SBI Platinum credit card
Fee Type | SBI Platinum Credit Card | SBI Advantage Platinum Credit Card | Air India SBI Platinum Credit Card |
Joining Fee | One-time fee (amount not specified) | One-time fee (amount not specified) | One-time fee (amount not specified) |
Annual Fee | ₹2,999 | ₹2,999 | ₹1,499 |
Finance Charges | Up to 3.35% per month | Up to 2.25% per month | Up to 3.35% per month |
Late Payment Charges | ₹100 if the minimum payment is missed for two consecutive billing cycles | ₹100 if the minimum payment is missed for two consecutive billing cycles | ₹100 if the minimum payment is missed for two consecutive billing cycles |
Cash Advance Fees (Domestic) | 2.5% of the transaction amount at domestic ATMs | 2.5% of the transaction amount at domestic ATMs | 2.5% of the transaction amount at domestic ATMs |
Cash Advance Fees (International) | 3% of the transaction amount at international ATMs | 3% of the transaction amount at international ATMs | 3% of the transaction amount at international ATMs |
This table gives you a clear comparison of fees across the different credit card options.
Eligibility Criteria to Apply for the Air India SBI Platinum Credit Card
- You must be an Indian resident.
- You should be at least 18 years old.
- You can be either salaried or self-employed.
- You need to provide your bank statements from the last 3 months.
Air India SBI Platinum Credit Card—Details and Documents Needed
To apply for the Air India SBI Platinum Credit Card, the applicant would need the following
- Photographs: Two passport-size photographs and two signature-bearing identity cards.
- Proof of Residence: Ration card, electric or gas, water bill, or any other document specifying the address.
- Income Proof: Form 16 and your income tax returns statement.
- Employment or Business Proof: Documentation confirming your job or business.
- Salary Slip: Salary statements for the last three months.
How to apply for an Air India SBI Platinum Card?
- Visit the official website of the SBI Platinum card page.
- Click on ‘Apply’ in the top right corner of the page.
- Choose the Air India SBI Platinum Credit Card.
- Fill out the application form carefully.
- Submit the application form along with the required documents.
- If your application is approved, SBI Card will contact you for verification.
- Once verified, the card will be issued to you.
Rewards and benefits provided by the Air India SBI Platinum Credit Card
- Reward Points: You earn up to 15 points on every ₹100 spent on tickets in Air India. For all other purchases, you earn 2 points on every ₹100.
- Welcome Gift: 5,000 reward points for paying the joining fee.
- Anniversary Gift: 2,000 reward points every year on your card's anniversary.
- Bonus Points: In case you make a purchase within the limit you are eligible for, you win up to 15,000 bonus points on an annual basis.
- Frequent Flyer Programme: You also get free entry into Air India's Flying Returns programme, where more miles can be earned.
- Domestic Airport Lounges Access: You'll be free to visit domestic airport lounges during your travel time.
- Fuel Surcharge Waiver: You are eligible for a 1% surcharge waiver on fuel purchases amounting to ₹ 500 and less than ₹ 4,000 at petrol pumps across India.
- Online railway ticket booking: Railway ticket booking can be done online by logging onto irctc.co.in. They would send it to your location.
2. Air India SBI Signature Credit Card
It offers great rewards with travel benefits for a premium Air India SBI Signature Credit Card. The Air India SBI Signature Credit Card offers a 1.8% reward rate, with the welcome gift standing at 20,000 reward points. Bonus points of up to 1 lakh are issued annually.
There is also domestic and international access to airport lounges via Priority Pass. It also offers balance transfer options, allows you to book railway tickets online with home delivery, and provides lost card liability cover up to ₹1 lakh.
Features of the Air India SBI Signature Credit Card
Here’s a table summarizing the benefits of the Air India SBI Signature Credit Card
Benefit | Details |
Joining Fee | Pay the joining fee and receive 20,000 reward points as a welcome gift. |
Air India Frequent Flyer Program | Free membership in Air India’s Flying Returns program to help you earn miles faster. |
Reward Points | Earn reward points on your purchases, which can be converted into Air India miles for flights/upgrades. |
Access to 600+ International Lounges | Relax in over 600 international airport lounges through the Priority Pass program. |
Bonus Reward Points | Earn up to 1 lakh bonus reward points annually, based on your spending. |
Balance Transfer | Transfer balances from other credit cards to this card and pay in easy EMIs, saving on interest. |
Railway Ticket Booking | Book train tickets online and get them delivered to your doorstep for convenience. |
Renewal Fee Reward | Receive 5,000 reward points after paying your renewal fee for the year. |
Lost Card Liability Cover | If your card is lost or stolen, you're covered for up to ₹1 lakh, reducing your liability. |
Travel and Hotel Deals with Air India SBI Signature Credit Card
- Cashback on Flights: Earn cashback of ₹600 on domestic flight booking from ixigo.com
- Cashback on International Flights: Avail a cashback of ₹2,400 on international flight booking when the minimum spend on ixigo.com is ₹18,000.
- Flight Deals: Get flight deals on both domestic and international flights booked through MakeMyTrip.
- Hotel Deals: You will get special offers for booking your hotel reservation through your card with MakeMyTrip.
- EaseMyTrip Offers: You can enjoy a R's 1,000 discount on the flight booking. You will get 20% off on your domestic and international hotels.
- Bus Booking Offer: You can earn a ₹100 discount on bus booking by using your card.
- Travelxp Offers: Once you book a trip through Travelxp, you will have many exclusive deals.
- EMI Payment for Travel: Cleartrip, Goibibo, Yatra.com, GoIndigo, and Emirates allow paying travel booking prices through EMI with flexible tenure options.
Shopping Offers on the Air India SBI Signature Credit Card
- Grofers Sale: Avail ₹200 discount on your weekend' shopping at Grofers through your credit card.
- LG Shop Cashback: Earn 7.5 percent cashback against transactions in LG shops.
- Vivo Smartphone Cashback: Get 5 percent cashback on buying a smartphone at Vivo's offline shops or online portals.
- RentoMojo Deal: Avail up to a discount of ₹3,000 on shopping at RentoMojo.
- Myntra EMI Option: Shop at Myntra.com & pay through EMI for a wide range of products.
- Shoppers Stop & HomeTown EMI: Pay for your shopping on the premises of Shoppers Stop & HomeTown Stores through EMI.
Dining Vouchers on Air India SBI Signature Credit Card
- Zomato Deal: Enjoy up to a 20% discount on your Zomato delivery orders every Monday and Tuesday.
- Happy Dining Program: Get discounts up to 15% at over 1,000 restaurants participating in the 'Happy Dining Program.'
Charges on Air India SBI Signature Credit Card
Here’s a table summarising the fees and charges for the Air India SBI Signature Credit Card
Fee Type | Details |
Annual Fee | ₹4,999 per year |
Joining Fee | ₹ 4,999 |
Finance Charges | Up to 3.50% per month (42% annually) |
Late Payment Charges | Nil for statement balance less than ₹ 500 |
₹400 for statement balance between ₹ 500 and ₹1,000 | |
₹750 for statement balance between ₹1,000 and ₹10,000 | |
₹950 for statement balance between ₹10,000 and ₹25,000 | |
₹1,100 for statement balance between ₹ 25,000 and ₹50,000 | |
₹1,300 for statement balance over ₹50,000 | |
Cash Advance Charges | 2.5% of the transaction amount or ₹500 per transaction, whichever is higher |
Eligibility Criteria to Apply for the Air India SBI Signature Credit Card
Here’s a table for the eligibility details for the Air India SBI Signature Credit Card
Criteria | Details |
Occupation | Available for both Salaried and Self-employed individuals |
Minimum Income Required | ₹ 60,000 per month |
Air India SBI Signature Credit Card—Details and Documents Needed
- Photographs: Two passport-size photographs and two signature-bearing identity cards.
- Proof of Residence: Ration card, electric or gas, water bill, or any other document specifying the address.
- Income Proof: Form 16 and your income tax returns statement.
- Employment or Business Proof: Documentation confirming your job or business.
- Salary Slip: Salary statements for the last three months.
How to apply for an Air India SBI Signature Card
- Visit the official homepage of SBI Signature Card.
- Click on ‘Apply’ in the top right corner of the page.
- Choose the Air India SBI Platinum Credit Card.
- Fill out the application form carefully.
- Submit the application form along with the required documents.
- If your application is approved, SBI Card will contact you for verification.
- Once verified, the card will be issued to you.
Rewards and benefits provided by the Air India SBI Signature Card
Here’s a table summarizing the rewards and benefits of the Air India SBI Signature Credit Card
Benefit | Details |
Welcome Gift | 20,000 reward points when you pay the joining fee. |
Reward Points | Earn 4 reward points for every ₹100 spent. |
Bonus Reward Points | Earn up to 1,00,000 bonus points per calendar year based on your spending. |
Milestone Benefits | Receive bonus points based on your annual spending. |
Air India Miles | Convert reward points into Air India miles at a 1:1 ratio. |
Priority Pass Membership | Free access to over 600 airport lounges worldwide. |
Domestic Lounge Access | 8 complimentary visits per year to domestic VISA lounges in India. |
Fuel Surcharge Waiver | 1% waiver on fuel purchases between ₹500 and ₹4,000. |
Anniversary Bonus | 5,000 reward points every year on your card’s anniversary. |
Lost Card Liability Cover | Get up to ₹1 lakh cover if your card is lost or stolen. |
Balance Transfer Facility | Convert purchases into EMIs to save on interest. |
Easy Bill Pay | Pay utility bills (electricity, telephone, insurance, etc.) easily. |
Flexipay | Convert purchases over ₹ 2,500 into EMIs within 30 days. |
Conclusion
The Air India SBI Credit Cards, with the Signature and Platinum options, are great cards for frequent flyers like Radhika. The cards offer rewards on every purchase, airport lounge access, free membership to the Frequent Flyer Program, and discounts on flights and hotels, making travel more rewarding and convenient.
Whether you opt for the Signature or Platinum card, the offers are exclusive, including bonus points, lounge access, and even waivers on fuel surcharges. Air India SBI Credit Cards make every journey smoother and more rewarding through great offers and easy EMI options.
FAQs related to Air India SBI Credit Card
Q1: What are the advantages of the SBI Air India Credit Card?
Get complimentary membership to Air India's rewarding frequent flyer program. Earn extra SBI Reward Points when booking tickets through the Air India website or app. For every INR 100 spent, you’ll earn 2 SBI Reward Points. Plus, earn bonus SBI Reward Points based on your annual retail spending.
Q2: Do I get free access to airport lounges with the Air India SBI Credit Card?
Yes, you get complimentary access to domestic airport lounges for a more comfortable travel experience.
Q3: Can I convert my Air India SBI Credit Card purchases into EMIs?
Yes, you can convert purchases into EMIs and save on interest.
Other Credit Cards | |||
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