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Air India SBI Platinum Credit Card
SBI • Visa

Air India SBI Platinum Credit Card

Entry-to-mid Air India co-branded travel card with airline miles and lounge-oriented positioning.

Annual Fee₹1499Waived on issuer-defined annual spend threshold
Base Reward1.0%On all spends
Lounge Access1610 domestic • 6 intl
Est. Annual Savings₹457Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual fee₹1,499

Waived on issuer-defined annual spend threshold

Net value₹2,101

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
3.0%
International
1.5%
Basedefault
1.0%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • Air India SBI Platinum Credit Card is best positioned as a travel + international specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 3.0% on travel-aligned lanes, while broad base return remains closer to 1.0%.
  • Current mapped lounge footprint is 16, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel and international spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 1,499 and reduce allocation if annual net value weakens.

Watchouts

  • miles value depends on travel transfer planning and redemption timing
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹1,499
  • Annual fee₹1,499
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count10
  • International count6
  • Quarterly limitNot listed
  • Airport-terminal rows16
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports22
  • Approval reports13

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

PhonePe SBI Card SELECT BLACK

Annual fee: Free

Shared focus: Travel+26 more lounge visits in current datasetEstimated +₹2,195/yr value
View Details
Step 2

SBI Card MILES PRIME

Annual fee: ₹2999

Shared focus: Travel, PremiumHigher product tier within same bank+14 more lounge visits in current dataset
View Details
Step 3

IRCTC SBI Card Premier

Annual fee: ₹1499

Shared focus: Travel, Rewards+3 more lounge visits in current datasetHigher top earn rate (4.0%)
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Air India SBI Platinum Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Visit caps and spend rules may change

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

16 airport lounge rows
View lounge map and location list16 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

AHM • Ahmedabad Airport • Domestic T1

Bengaluru

2 lounges • 1 domestic • 1 international

2
080 Domestic Lounge - West PH 2Domestic

BEN • Bengaluru Airport • Domestic T1

080 International LoungeInternational

BEN • Bengaluru Airport • International T2

Chennai

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge - T2 TerminalInternational

CHE • Chennai Airport • International T2

Travel Club Lounge -T1 Lounge BDomestic

CHE • Chennai Airport • Domestic T1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Domestic T1

Encalm LoungeInternational

HYD • Hyderabad Airport • International T1

Kolkata

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge DomesticDomestic

KOL • Kolkata Airport • Domestic T1

Travel Club Lounge InternationalInternational

KOL • Kolkata Airport • International T1

Mumbai

3 lounges • 2 domestic • 1 international

3
Adani East LoungeInternational

MUM • Mumbai Airport • International T2

Adani LoungeDomestic

MUM • Mumbai Airport • Domestic T1B

Travel ClubDomestic

MUM • Mumbai Airport • Domestic T2

New Delhi

3 lounges • 2 domestic • 1 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic T1

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic T3

Encalm LoungeInternational

NEW • New Delhi Airport • International T3

Pune

1 lounges • 1 domestic • 0 international

1
Elysian LoungeDomestic

PUN • Pune Airport • Domestic Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Airline-linked miles earning proposition
  • Good lounge footprint in current source data
  • Useful for domestic and periodic international flyers

Things to Consider

  • Miles value depends on redemption availability
  • Co-brand concentration reduces flexibility
  • Visit caps and spend rules may change

About Air India SBI Platinum Credit Card

Air India SBI Platinum Credit Card is a miles card from SBI, best for users regularly flying air india and valuing lounge access. It is tagged under travel, rewards, premium, international categories in our database.

TravelRewardsPremiumInternational

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Frequently asked questions

Is Air India SBI Platinum Credit Card lifetime free?

It has an annual fee of ₹1499. Waived on issuer-defined annual spend threshold

What rewards does Air India SBI Platinum Credit Card offer?

Entry-to-mid Air India co-branded travel card with airline miles and lounge-oriented positioning.

Does Air India SBI Platinum Credit Card include lounge access?

Air India SBI Platinum Credit Card lists 16 lounge visits (10 domestic, 6 international).

Who should consider Air India SBI Platinum Credit Card?

Users regularly flying Air India and valuing lounge access

Where can I apply for Air India SBI Platinum Credit Card?

Check the issuer website for application availability.