SBI Credit Cards for Airport Lounge Access Offers

SBI, the State Bank of India, offers a range of credit cards that provide exclusive benefits, including airport lounge access. These cards cater to frequent travellers and offer them comfort and convenience during their trips. If you are also looking forward to getting one, then here are certain details you must be aware of. In this guide, we would learn the key benefits of SBI credit cards with lounge access and other features such as interest rates and how a good credit score can help you get the best deals. 

Benefits of SBI Credit Cards

Airport Lounge Access

SBI offers airport lounge access on more than 15 credit cards. These lounges provide a comfortable waiting area with amenities like free Wi-Fi, food and beverages, and sometimes even spa services. Travellers can relax and refresh before their flight, making their journey more pleasant. Below is a list of these cards along with the specific lounge privileges they offer:

BPCL SBI Card Octane

• Domestic Lounge Access: 4 visits per year

Etihad Guest SBI Card

• Domestic Lounge Access: 8 visits per year

Air India SBI Card Platinum

• Domestic Lounge Access: 8 visits per year

Air India SBI Card Signature

• Domestic Lounge Access: 8 visits per year

SBI Card Pulse

• Domestic Lounge Access: 8 visits per year

Reliance SBI Card Prime

• Domestic Lounge Access: 8 visits per year
• International Lounge Access: 4 visits per year

Etihad Guest SBI Premier Card

• Domestic Lounge Access: 8 visits per year
• International Lounge Access: 4 visits per year

Club Vistara SBI Card Prime

• Domestic Lounge Access: 8 visits per year
• International Lounge Access: 4 visits per year

SBI Prime Credit Card

• Domestic Lounge Access: 8 visits per year
• International Lounge Access: 4 visits per year

SBI Elite Credit Card

• Domestic Lounge Access: 8 visits per year
• International Lounge Access: 6 visits per year

SBI Aurum Credit Card

• Domestic Lounge Access: 16 visits per year
• International Lounge Access: Unlimited

Also Read: How To Use HDFC Bank Credit Card Reward Points

Reward Points

SBI credit cards offer reward points on purchases. You can collect these points and redeem them for travel, shopping, and dining vouchers. Some cards provide higher points for specific categories like travel or dining.

Fuel Surcharge Waiver

Many SBI credit cards offer a fuel surcharge waiver, and this is what makes it cheaper to fill up your vehicle. This benefit is especially useful for those who frequently travel by car.

What Are SBI Credit Card Interest Rates?

Interest rates on credit cards are the cost you pay for borrowing money. If you don’t pay your full bill by the due date, you would then be charged interest on the remaining balance. SBI offers competitive interest rates on their credit cards, usually ranging from 2.5% to 3.5% per month.

How to Manage Interest Rates

To manage interest rates effectively, always try to pay your credit card bill in full each month. If that’s not possible, pay as much as you can to reduce the amount of interest you would be charged.

Eligibility Criteria for SBI Credit Cards

Basic Requirements

To apply for an SBI credit card, you need to meet certain eligibility criteria:

1. Age: You should be at least 21 years old and not more than 60 years old.
2. Income: You need a stable source of income. The minimum income requirement varies depending on the card.
3. Credit Score: A good credit score increases your chances of approval and can get you better terms.

Documentation

When applying, you need to provide the following documents:

1. Identity Proof: Aadhar card, passport, or driver’s license.
2. Address Proof: Utility bills, rental agreement, or passport.
3. Income Proof: Salary slips, bank statements, or IT returns.

Importance of Credit Score

A credit score is a numerical representation of your creditworthiness. It ranges from 300 to 900, with higher scores indicating better credit health.

How to Improve Your Credit Score

• Pay bills on time
• Keep your credit utilisation low
• Limit new credit applications
• Monitor your credit report regularly

Also Read: 10 Best Credit Cards for International Travel

Conclusion

So, there is no doubt that SBI credit cards offer a range of benefits, including airport lounge access, thereby making travel more comfortable and enjoyable. Whether you’re a frequent traveller or someone looking for convenience and rewards, SBI has a card that can meet your needs. Apply today and gear up for some sweet surprises on your trips.