एयर इंडिया एसबीआई प्लेटिनम कार्ड
जारीकर्ता बैंक / संस्था: State Bank of India (SBI Card)
Co-branded Air India credit card offering 5,000 welcome points, 1:1 Maharaja points conversion, 8 domestic lounge visits, and 5X points on Air India tickets.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
Air India SBI Platinum Card is a co-branded travel credit card tailored for travelers who fly India's national carrier, Air India. Points convert 1:1 into Air India Maharaja Points (Flying Returns), accelerating award ticket redemption across domestic and international Air India routes.
5,000 bonus Reward Points (worth 5,000 Air India Maharaja Flying Returns points) upon payment of joining fee.
8 complimentary domestic airport lounge visits per calendar year (max 2 visits per quarter).
1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 at all petrol pumps in India (maximum ₹250 per statement cycle).
5,000 bonus Reward Points on annual retail spends of ₹2 Lakhs; additional 10,000 bonus points on reaching ₹3 Lakhs annual spend (up to 15,000 bonus points yearly).
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried corporate employees and self-employed professionals aged 21 to 70 years.
न्यूनतम वार्षिक आय आवश्यकता
₹3,60,000 per annum (Salaried) / ₹4,80,000 per annum (Self-Employed ITR)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card 2. Aadhaar Card / Passport 3. Last 3 months' salary slips or recent ITR acknowledgment.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Conversion to Flying Returns requires a minimum of 5,000 points and must be done in multiples of 5,000 points. Does not include international airport lounge access. In-flight award seats are subject to availability.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit sbicard.com/apply or open the YONO SBI app and select Air India SBI Platinum Card. Step 2: Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score). Step 3: Fill online application form with personal, residence, and occupational details (takes 5–10 minutes). Step 4: Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof). Step 5: Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants). Step 6: Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on Air India SBI Platinum Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Standard tiered slab: Nil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.. In addition, revolving finance charges at Up to 3.50% per month (42.00% per annum). will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on Air India SBI Platinum Card into EMI?
Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on Air India SBI Platinum Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. 1 Reward Point = 1 Air India Flying Returns (Maharaja Point). Redemption ratio is 1:1 for flight tickets and upgrades. Please note: Reward points expire 24 months from accrual if not converted to Air India Flying Returns points.
What is the interest-free grace period on Air India SBI Platinum Card and how does it work?
The interest-free period on Air India SBI Platinum Card is 20 to 50 days.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Up to 3.50% per month (42.00% per annum).) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.