SBI Card
Air India SBI Platinum Credit Card
Annual Fee
₹1,769₹1,499 + GSTBase Reward
2% miles
Foreign Markup
3.5% + GST
Welcome Benefits
5,000 reward points after paying the joining fee (credited within 15 days from the date of payment)
Product Highlights
- 5,000 Maharaja Points on paying the joining fee as a welcome benefit.
- 2,000 Maharaja Points as an anniversary gift every year the card membership is renewed.
- Up to 15,000 bonus RPs every year on reaching the stipulated spend milestones.
Category Rewards
travel
5 Maharaja Points for Air India Spends
5X
Specialty
2 Maharaja Points for Other Spends
2X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Air India
5X on Air India tickets
Reward Calculator
Costs you ₹719/year
Break-even needs ~₹21,902/month at your reward mix.
₹13K
across all your buckets
4.2K
Reward Points
₹1.1K
via standard · ₹0.25/pt
Effective rate
0.67%
Annual fee
₹1,769
Year 1 net
₹-719
Year 2+ net
₹-719
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹3,000 fuel txns · capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
5 Maharaja Points for every ₹100 spent on Air India ticket bookings and 2 Maharaja Points for every ₹100 spent on other purchases.
- 1 RP = 1 AirMile
Benefits & Features
Domestic: 8 Free Visits Each Year (Maximum 2 Per Quarter) Complimentary access to domestic airport lounges under the Visa lounge access program.
Pros & Cons
Pros
- Accelerated reward rate on Air India bookings.
- Complimentary domestic airport lounge access.
Cons
- No dining or movie benefits offered with this card.
Additional Info
No new applications will be entertained for this credit card as SBI Card has discontinued it.
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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