Air India SBI Platinum Card vs Stable Money Suryoday Bank Credit Card
Joining Fees
₹1,499
₹0
Editor's Rating
3.7
4.6
Key Features
- Avail complimentary membership of Air India Frequent Flyer Program - Flying Returns.
- For every Rs. 100 spent, get 2 Reward points
- On annual bases, get nearly 15,000 bonus Reward points
- Every year, enjoy obtaining anniversary gift of 2,000 Reward points
- Earn up to 15 Reward Points for every Rs. 100 spent on Air India tickets booked through Airindia's platforms
- Complimentary Visa Lounge Access
Cashback Benefits
- Earning: 0.5% cashback on all card spends, including UPI transactions
- Capping: Cashback capped at Rs. 3,000 for every statement cycle
Airport Lounge Access
- 8 complimentary domestic airport lounge visits per year, capped at 2 visits per quarter
RuPay Benefits
- RuPay Select Offer: RuPay Select card variant issued if FD amount is above Rs. 1.15 lakh (otherwise RuPay Platinum is issued)
- RuPay Select Wellness Program: Gym membership, health check-up, spa and salon services, and golf sessions are offered once a year under this program
Insurance Coverage
- Sum insured of up to Rs. 2 lakh: For RuPay Platinum cardholders
- Sum insured of up to Rs. 10 lakh: For Rupay Select cardholders
Fuel Benefit
- Fuel surcharge waiver on fuel transactions of up to Rs. 8,000, capped at Rs. 40,000 monthly fuel spends
- Enjoy exclusive discounts on the RuPay network
RuPay Select Wellness Program (Applicable to RuPay Select Cardholders only)
- RuPay Select Cardholders can avail additional benefits of Gym Membership, Health Check-ups, Spa and Salon Services, and Golf
- RuPay Select Benefits are eligible to be redeemed only once in a year
Editor's Review
Pros
- Maximum surcharge waiver of Rs. 250 per statement cycle. All applicable taxes extra wherever applicable
- Stay safe with the complimentary lost card liability cover of Rs. 1 lakh
- Cherish the freedom of paying the 1% fuel surcharge that's valid across all petrol pumps
Cons
- No golf/coaching sessions
Pros
- Hassle-free cashback on all spends, including UPI transactions
- Lifetime free card with up to 8% interest on FD
- Up to 8 free domestic airport lounge visits every year
- Additional lifestyle benefits for RuPay Select cardholders
Cons
- Low value-back rate through cashback earnings
- High FD amount requirement for RuPay Select card variant benefits
- FD must remain until card closure
