INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official sbicard.com (SBI Cards and Payment Services Ltd.) Most Important Terms and Conditions (MITC).

🏛️State Bank of India (SBI Card)Network: VisaTravel & Aviation CardsLast Verified: 2026-09-28

Air India SBI Platinum Card

एयर इंडिया एसबीआई प्लेटिनम कार्ड

Co-branded Air India credit card offering 5,000 welcome points, 1:1 Maharaja points conversion, 8 domestic lounge visits, and 5X points on Air India tickets.

Annual Fee₹1,499 + GST (Renewal: ₹1,499 + GST)

Reward Rate5 Reward Points per ₹100 spent on Air India tickets booked via airindia.com, Air India mobile app, or booking offices. 2 Reward Points per ₹100 on other retail spends.

Airport Lounge8 complimentary domestic airport lounge visits per calendar year (max 2 visits per quarter).

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

Air India SBI Platinum Card is a co-branded travel credit card tailored for travelers who fly India's national carrier, Air India. Points convert 1:1 into Air India Maharaja Points (Flying Returns), accelerating award ticket redemption across domestic and international Air India routes.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹1,499 + GST (Renewal: ₹1,499 + GST)

Fee Waiver: No spend-based waiver; compensated with 2,000 bonus Air India Reward Points as an annual renewal anniversary gift.

🎁Welcome Benefit

5,000 bonus Reward Points (worth 5,000 Air India Maharaja Flying Returns points) upon payment of joining fee.

⚡Reward Points Structure

5 Reward Points per ₹100 spent on Air India tickets booked via airindia.com, Air India mobile app, or booking offices. 2 Reward Points per ₹100 on other retail spends.

Redemption Value: 1 Reward Point = 1 Air India Flying Returns (Maharaja Point). Redemption ratio is 1:1 for flight tickets and upgrades.

🛫Airport & Railway Lounge Access

8 complimentary domestic airport lounge visits per calendar year (max 2 visits per quarter).

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Lost card liability cover up to ₹1 Lakh under zero lost card liability.

Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 at all petrol pumps in India (maximum ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: 5,000 bonus Reward Points on annual retail spends of ₹2 Lakhs; additional 10,000 bonus points on reaching ₹3 Lakhs annual spend (up to 15,000 bonus points yearly).

Interest-Free Period: 20 to 50 days.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Conversion to Flying Returns requires a minimum of 5,000 points and must be done in multiples of 5,000 points. Does not include international airport lounge access. In-flight award seats are subject to availability.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of transaction amount or ₹500 (whichever is higher) + 3.50% per month interest.

Finance Charges (Interest)Up to 3.50% per month (42.00% per annum).

Late Payment SlabsStandard tiered slab: Nil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.

Reward Points ExpiryReward points expire 24 months from accrual if not converted to Air India Flying Returns points.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, utility bills, rent, wallet loads, and government services.

Eligibility Criteria

Salaried corporate employees and self-employed professionals aged 21 to 70 years.

Age Requirement21 to 70 Years

Minimum Income₹3,60,000 per annum (Salaried) / ₹4,80,000 per annum (Self-Employed ITR)

CIBIL Score NoteRecommended CIBIL score of 720+.

SBI RelationshipNot mandatory.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit sbicard.com/apply or open the YONO SBI app and select Air India SBI Platinum Card.

2Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score).

3Fill online application form with personal, residence, and occupational details (takes 5–10 minutes).

4Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof).

5Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants).

6Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.

Branch Application for Offline Applicants

Available at any SBI branch through the customer service desk.

Visit Official Card Page (sbicard.com)Download Official MITC (PDF)

Documents Required

1. PAN Card

2. Aadhaar Card / Passport

3. Last 3 months' salary slips or recent ITR acknowledgment.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Air India SBI Platinum Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Standard tiered slab: Nil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.. In addition, revolving finance charges at Up to 3.50% per month (42.00% per annum). will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on Air India SBI Platinum Card into EMI?

Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on Air India SBI Platinum Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. 1 Reward Point = 1 Air India Flying Returns (Maharaja Point). Redemption ratio is 1:1 for flight tickets and upgrades. Please note: Reward points expire 24 months from accrual if not converted to Air India Flying Returns points.

What is the interest-free grace period on Air India SBI Platinum Card and how does it work?

The interest-free period on Air India SBI Platinum Card is 20 to 50 days.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Up to 3.50% per month (42.00% per annum).) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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