Air India SBI Platinum Credit Card
The Air India SBI Platinum Credit Card is a entry co-branded credit card from SBI Card and Air India, with a joining fee of ₹1,499 + GST.
It earns up to 5 pts per ₹100 (≈2.8% value) on Air India spends in the form of reward points (points).
Cardholders get 4 annual domestic airport lounge access, plus 5,000 reward points as a welcome benefit.
- Joining Fee₹1,499
- Annual Fee₹1,499
- Best Suited ForTravel
- Reward TypeReward Points (points)
- 5 pts per ₹100 on air india bookings
- Base 1.00% on other spends
- 5,000 Reward Points
- Complimentary Air India Maharaja Club membership
Rewards and Benefits
- ₹2,00,000 / annual: 5,000 bonus Reward Points on annual spends of ₹2 lakhs
- ₹3,00,000 / annual: 10,000 bonus Reward Points on annual spends of ₹3 lakhs
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.1% = ₹165/mo
- Groceries₹8,000 · 1.1% = ₹88/mo
- Dining & food delivery₹8,000 · 1.1% = ₹88/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.1% = ₹110/mo
Travel & hotels — earns base; accelerated rate needs booking via air-india-direct
- Utilities & bills₹5,000 · 1.1% = ₹55/mo
₹6,072 rewards − ₹1,499 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded entry card by SBI Card and Air India.
- Joining / annual fee of ₹1,499 + GST.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (4/annual).
Pros & Cons
- Complimentary domestic airport lounge access (4/annual).
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- No annual-fee waiver option.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹2,500 welcome benefit
- 5,000 Reward PointsJoining fee paidWindow: 15 days from issuance.
- Complimentary Air India Maharaja Club membershipJoining fee paid
Accelerated rewards
- 5 pts per ₹100 on air india bookingsMerchants: air-india5 Reward Points per ₹100 spent on Air India tickets booked via website, app, booking offices or call centres (including Super Saver tickets for self and others).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- government
- emi
Milestone benefits
- ₹2,00,000 / annual: 5,000 bonus Reward Points on annual spends of ₹2 lakhs (≈ ₹2,500 value)
- ₹3,00,000 / annual: 10,000 bonus Reward Points on annual spends of ₹3 lakhs (≈ ₹5,000 value)
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹250 per monthly.
Sources
- : www.sbicard.com · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 720+
- Income (salaried)
- —
- Income (self-employed)
- —