SBI Air India Platinum Credit Card Review

29.07.2025 09:31 PM - Comment(s)

SBI Air India Platinum Credit Card

Financial Expert Advice

Choose Your First (or Next) Credit Card Wisely

"Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.

Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;

and lead to unnecessary debt. Focus on stability & discipline."

SBI Air India Platinum Credit Card Review
"Bon voyage"

Introduction

The SBI Air India Platinum Credit Card is a mid-level co-branded credit card designed for frequent flyers of Air India. It offers a range of travel-related benefits, including accelerated rewards on Air India bookings, complimentary lounge access, and exclusive travel perks. Here’s a detailed review to help you decide if this card is right for you.

Key Features and Benefits

Welcome Benefits

Receive 5,000 reward points upon paying the joining fee, along with complimentary membership to the Air India Frequent Flyer program—Flying Returns.

Reward Structure

Get 2 Reward points for every Rs. 100 spent

Get upto 15,000 bonus Reward points annually

Convert your Reward points into Air India miles. 1 Reward point is equal to 1 Air India Air mile.

Lounge Access

------------

Milestone Benefits

Earn up to 15,000 bonus reward points annually based on spending milestones

₹2 lakh: 5,000 points
₹3 lakh: 10,000 points.

Anniversary Gift

Get 2,000 reward points every year on card renewal.

Fuel Surcharge Waiver

Enjoy a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, with a maximum waiver of ₹250 per statement cycle.

Annual Fee

₹1,499 + GST, with no waiver option.

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Card Essential

Type	Reward Points
Welcome Benefits	5,000 reward points and a free Air India Flying Returns membership.
Annual Fee	₹1,499 + GST
Reward Structure	Rewards On SPENDS
Renewal Benefit	---------

Rewards and Benefits Analysis

The card is ideal for frequent Air India flyers, offering substantial rewards on Air India bookings. The milestone benefits provide additional value for high spenders, making it appealing for those who can meet the spending thresholds.

Practical Considerations

While the card excels in travel-related benefits, its rewards are limited for non-travel spends. The annual fee might be a deterrent for casual users, but frequent Air India travelers can easily justify the cost through the rewards and benefits.

Redemption Options

Reward points can be converted into Air India Air Miles, offering flexibility for flight redemptions. However, users should be aware of potential redemption requirements and limitations.

Ideal User Profile

This card is best suited for

Frequent Air India flyers.
Those who regularly book Air India tickets.
Individuals looking for travel-related benefits.

Final Thoughts

The SBI Air India Platinum Credit Card offers a compelling package for frequent Air India travelers, with its high reward rate on Air India bookings. While it may not be ideal for non-travel spends, its value is maximized by those who regularly fly with Air India.

Additional Tips for Potential Applicants

Eligibility: Ensure you meet the income and credit score requirements.
Usage: Maximize Air India bookings to get the most out of the rewards.
Redemption: Opt for Air India flights for the best redemption value.

This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the SBI Air India Platinum Credit Card aligns with their

travel habits and financial goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.

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