SBI Travel Credit Cards: Rewards, Features, Comparison

ShareShare on StumbleUponShare on FacebookTweet about this on TwitterShare on Google+Share on LinkedInEmail this to someonePin on Pinterest

Indian’s love travelling be it within India or abroad. And with the rise of credit card usage in India, many card providers have especially launched credit cards for travel by partnering with airline companie and State Bank of India is one of them which has partnered with Air India. These card providers lure customers by offering reward points, lounge access, welcome gifts and many more. There are range of credit cards for travelers

Following are the top credit cards by SBI especially for travelers:

  • Air India SBI Signature Card
  • Air India SBI Platinum Card
  • Mumbai Metro SBI Card
  • IRCTC SBI Platinum Card
  • Yatra SBI Card

Amongst the above listed one, Air India cards are designed especially for domestic and international travel and offers range of benefits to the consumers. Here’s how both these cards compare in terms of various benefits, features, fees etc.

Features/BenefitsAir India SBI Signature CardAir India SBI Platinum Card
Welcome Gift Reward Points200005000
Cumulative Annual Bonus Reward Points90000, if Rs. 10,00,000 is spent15000, if Rs. 3,00,000 is spent
-------------"----------------40000, if Rs. 5,00,000 is spent5000, if Rs. 2,00,000 is spent
-------------"----------------20000, if Rs. 3,00,000 is spent-
Other Reward Points4 Reward points for every Rs. 100 spent2 Reward points for every Rs. 100 spent
Visa Lounge AccessAt international airport loungesAt domestic airports lounges
Card Anniversary gift - reward points50002000
Bonus Reward Points20 Reward points for every Rs. 100 spent when Air India tickets are purchased10 Reward points for every Rs. 100 spent when Air India tickets are purchased
Joining FeeRs. 4,999 - OnetimeRs. 1,499 - Onetime
Annual FeeRs. 4,999 - from 2nd year onwardsRs. 1,499 - from 2nd year onwards
Lost Card Liability CoverRs. 1,00,000Rs. 1,00,000
Fuel Surcharge Waiver2.5% at all petrol pumps, provided fuel worth Rs. 500 to Rs. 4,000 is purchased2.5% at all petrol pumps, provided fuel worth Rs. 500 to Rs. 4,000 is purchased
Add-on card offeredYesYes
Emergency Card Replacement OfferedYesYes
Cash advanceUp to 80% of the credit limit. Max. limit is Rs. 15,000 per dayUp to 80% of the credit limit. Max. limit is Rs. 15,000 per day
Cash advance fee when used at ATM's in India2.5% of withdrawal or Rs. 300 per transaction, whichever is higher2.5% of withdrawal or Rs. 300 per transaction, whichever is higher
Cash advance fee when used at ATM's in foreign countries3.0% of withdrawal or Rs. 300 per transaction, whichever is higher3.0% of withdrawal or Rs. 300 per transaction, whichever is higher
Interest free credit period20-25 Days20-25 Days

Both these cards can also be used for:

  • Railway tickets on IRCTC website
  • Balance transfer facility
  • Easy bill pay facility
  • No card replacement fee is charged when abroad. However a fee of Rs. 100 is levied when used in India
  • No late payment fee is charged when total due amount is less than Rs. 200
  • Cash withdrawal is available within India and abroad
  • Cards can be used globally at Visa outlets
  • If you make big purchases then through flexi-pay, you can pay for your purchases through easy monthly installments

So, if you are a frequent traveler and want to decide on buying a travel credit card choose the one offering:

  • Very high reward points so that you atleast earn 1 free flight in a year
  • Welcome gift because joining fee is high
  • Cashback
  • Earns you free miles
  • Easily redeemable
  • Card replacement especially when abroad
  • ATM cash withdrawal facility
  • Providing higher interest free credit period
  • Offers multiple levels of security
  • 24*7 customer support
  • Ease of bill payment
  • Miles expiry date is long enough so that you do not miss on this precious benefit
ShareShare on StumbleUponShare on FacebookTweet about this on TwitterShare on Google+Share on LinkedInEmail this to someonePin on Pinterest

Leave a Reply

Your email address will not be published. Required fields are marked *