Air India SBI Platinum Card vs SBI Prime Card
Last Updated : March 15, 2025, 12:24 p.m.
If you travel frequently, especially by Air India, then the Air India SBI Platinum credit card is the most suitable pick for you. The credit card gives you reward points on your Air India spends, and you can use this to avail discounts on flight tickets and free flight tickets. It comes with a range of travel privileges. The SBI Card Prime offers benefits not only on travel but also across various categories such as dining, movies, grocery, and departmental store spends. So, which card amongst Air India SBI Platinum Credit Card and SBI Prime is better? This entirely depends on your requirements and spending habits. To choose a credit card between the two, you have to understand the important contrasting and similar features between them. Let us now compare them based on their benefits, fees, offers, etc. Also, before applying for a credit card, check the eligibility criteria set down by the credit card issuer. Fulfilling the eligibility criteria is important to ensure the approval of your credit card application. The credit score is one of the most important eligibility criteria that lenders and credit card issuers look into. A higher credit score ensures speedy and easy approval of your credit card application, while a lower credit score may lead to rejection. Therefore to know where you stand, do a free CIBIL score check on Wishfin and take steps to improve your score if it is low.
Comparison of Air India SBI Platinum and SBI Prime Credit Card
| Parameter of Difference | Air India SBI Platinum Credit Card | SBI Prime Credit Card |
|---|---|---|
Welcome benefits |
| Get a welcome e-gift voucher worth Rs. 3000 from any of the following brands:
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Lifestyle and entertainment |
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Milestone benefits |
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Reward point benefits |
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Lounge access |
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Comparison of Air India SBI Platinum Credit Card and SBI Prime Card Fees and Charges
| Fees | Air India SBI Platinum Credit Card | SBI Prime Credit Card |
|---|---|---|
Joining fees (One-time) | Rs. 1,499 | Rs. 2,999 plus taxes |
Renewal fees (Per annum) | Rs. 1,499 from the second year onwards | Rs. 2,999 plus taxes from the second year onwards |
Renewal fee waiver criteria | There is no waiving off criteria | Waiver of annual fee on annual spends of Rs. 3 lakhs |
Foreign currency markup charges | 3.5% | 3.5% |
ATM cash withdrawal charges | 2.5% (With a minimum of Rs. 300) | 2.5% (With a minimum of Rs. 500) |
Interest free credit period | 20 to 50 days | 20 to 50 days |
Overlimit charges | 2.5% of the overlimit amount or Rs. 500, whichever is higher | 2.5% of the overlimit amount or Rs. 500, whichever is higher |
Eligibility Criteria for Air India SBI Platinum Credit Card and SBI Prime Credit Card
| Criteria | Air India SBI Platinum Credit Card | SBI Prime Card |
|---|---|---|
| Minimum Age of the Applicant | 21 Years | 21 Years |
| Maximum Age of the Applicant | 70 Years | 70 Years |
| Minimum Salary | Individual Must have a Stable Income | Individual Must have a Stable Income |
| Cibil Score of the Applicant | 750 and Above | 750 and Above |
| Citizenship Status of the Applicant | Must be a Citizen of India | Must be a Citizen of India |
Air India SBI Platinum Card vs Prime SBI Card - Which Card to Choose?
So, after going through this article titled ‘Air India SBI Platinum Credit Card Vs SBI Prime Credit Card’, which card to choose and which card is better? This of course depends completely on your personal preferences and spending patterns. The Air India SBI Platinum Card is one of the best credit cards for you if you mostly choose to travel with Air India and want excellent rewards on this credit card. This credit card has a higher reward rate of 6.75% as compared to other travel focused credit cards . The SBI Prime credit card is also a great card to have in your purse if you are a frequent traveler and high spender who gives priority to rewards, especially on dining, groceries, and departmental store purchases and also wants to avail complimentary lounge access.
Conclusion
You have seen the detailed comparison of Air India SBI Platinum Card vs SBI Card Prime and now you can choose a card as per your choice. On the other hand, you must first analyze the need for the credit card and then compare it with both of these credit cards and then apply for one. It would be easy for you to clear all your confusions once you go through the comparisons.
Frequently Asked Questions (FAQs)
