Air India SBI Platinum Card: Low-Fee Air India Card

Air India SBI Platinum Card: Low-Fee Air India Card

Offers Solid Rewards for Air India Bookings with a Lower Fee

Good for

  • Air India loyalists
  • Domestic travellers
  • Frequent travellers

Bad for

  • Consumers looking for versatility in travel bookings
  • Individuals looking for a general spending card

Editor's Rating

4.0/5.0

The Air India SBI Platinum Card is not the best travel card, or even the best Air India credit card; however, it is a great option for consumers who fly Air India and are looking to dodge a higher fee while earning great rewards. For instance, the card charges a Rs. 1,499 annual fee, this is much lower than the Air India Signature card. In terms of rewards, the Air India Platinum Card earns a 6.75% rewards rate (15 points per Rs. 100, 1 Reward Point = 1 Airline Mile = Rs. 0.45) on Air India bookings, higher than many other travel cards that offer airline specific rates. However, on general spending, the card earns a less competitive rewards rate of 0.90% (2 points per Rs. 100, 1 Reward Point = 1 Airline Mile = Rs. 0.45). Therefore, while the Air India SBI Platinum earns slightly less than other travel cards, it is a great option for those seeking out a lower fee Air India card with solid rewards and benefits.

ProsCons
  • 6.75% rewards rate on Air India bookings
  • 8 domestic lounge visits per year (max 2 per quarter)
  • Great promotions
  • General spending rewards rate: 0.90%
Promotions:
  • Sign-up Bonus: 5,000 points (₹ 2,250)
  • Anniversary Bonus: 2,000 points (₹ 900)
  • By spending ₹ 300,000 cardholder receives 10,000 points, by spending ₹ 200,000 cardholder receives 5,000 (₹ 6,750)
Card Overview
Pros:
  • 6.75% rewards rate on Air India bookings
  • 8 domestic lounge visits per year (max 2 per quarter)
  • Great promotions
Cons:
  • General spending rewards rate: 0.90%
Promotions:
  • Sign-up Bonus: 5,000 points (₹ 2,250)
  • Anniversary Bonus: 2,000 points (₹ 900)
  • By spending ₹ 300,000 cardholder receives 10,000 points, by spending ₹ 200,000 cardholder receives 5,000 (₹ 6,750)

What Makes The Air India SBI Platinum Card Stand Out?

The Air India SBI Platinum Card is a great option for consumers that tend to fly Air India often, but also seek a credit card without high fees. The Air India Platinum Card is ideal for these individuals as it earns a solid rewards rate of 6.75% (15 points per Rs. 100, 1 Reward Point = 1 Airline Mile = Rs. 0.45), a better airline-specific rate than others offered by most travel cards. Further, the card charges a lower annual fee (Rs. 1,500) compared to other travel cards. The card also offers a great set of promotions, which can help offset the annual fee. Further, the card offers 8 domestic lounge visits per year. High spenders are also given the opportunity to earn elevated rewards after crossing certain spending categories. Unfortunately, the general spending rewards rate of 0.90% (2 points per Rs. 100, 1 Reward Point = 1 Airline Mile = Rs. 0.45)is below the market average. Through the Air India SBI Platinum Card is not the best travel card, it is still a solid option for consumers in search of a low-fee Air India specific card.

How Does the Air India SBI Platinum Credit Card’s Rewards Program Work?

The Air India SBI Platinum Card’s reward program revolves around Air India miles. The card earns cardholders 15 points per Rs. 100 spent on Air India bookings and 5 points per Rs. 100 for Air India bookings made for someone else. Additionally, the card earns 2 points per Rs. 100 spent on all other spending. The redemption rate for the reward points is 1 point = 1 Air Mile = Rs. 0.45. The points are valid for 2 years after accrual.

  • 15 points per Rs. 100 on Air India bookings made for yourself
  • 5 points per Rs. 100 on Air India bookings made for others (e.g. family, friends)
  • 2 points per Rs. 100 on general spending
  • Reward redemption rate of 1 point = Rs. 0.45
  • Air Mile redemption can be done only with a minimum of 5,000 points and in increments of 5,000
  • No maximum rewards points
  • Points expire after 2 years of accrual

Air India SBI Platinum Credit Card's Features and Benefits:

Card Overview
  • Joining Fee: Rs. 1,499
  • Annual Fee: Rs. 1,499
  • Income Requirement: None listed by issuer
  • Age Requirement: 21-60
Rewards Rate Details
  • 15 points per Rs. 100 on Air India bookings made for yourself
  • 5 points per Rs. 100 on Air India bookings made for others (e.g. family, friends)
  • 2 points per Rs. 100 on general spending
  • Reward redemption rate of 1 point = Rs. 0.45
Benefits & Perks
  • Visa Domestic Lounge Program (8 free visits/year, max 2/quarter; lounges across 6 major cities)
Promotions:
  • Sign-up Bonus: 5,000 points (₹ 2,250)
  • Anniversary Bonus: 2,000 points (₹ 900)
  • By spending ₹ 300,000 cardholder receives 10,000 points, by spending ₹ 200,000 cardholder receives 5,000 (₹ 6,750)
SpendAdditional RewardsCumulative Rewards
₹ 200,0005,000 points5,000 points
₹ 300,00010,000 points15,000 points

How Does Air India SBI Platinum Credit Card Compare Against Other Cards?

Read our comparisons of the Air India SBI Platinum Credit Card:

Graph showing India’s Best Travel Rewards Cards for Consumers Spending approximately Rs. 47,000 per month

Air India SBI Platinum Card vs. Air India SBI Signature Card

Consider this if you are frequently travel on Air India and are interested in the top rewards card for the airline

Age Requirement 21-60
Annual Income Requirement None listed by issuer

The Air India SBI Signature Card is the best available for individuals who frequently fly Air India. Although the Signature Card charges a higher fee (Rs. 4,999) than the Platinum Card, the Signature card earns approximately double the rewards of the Platinum Card. For example, the Signature Card earns an excellent 13.5% rewards rate (30 points per Rs. 100, 1 point = 1 Air India Mile = Rs. 0.45) on all Air India bookings and 1.8% rewards on general spending (4 points per Rs. 100). Both of these rates are twice as high as the rates earned by the Platinum Card (6.75% and 0.90%, respectively). Therefore, we recommend the Air India Signature Card over the Platinum Card for consumers that are interested in the best Air India-specific card; however, the Platinum Card is great for those seeking a lower fee alternative.

Air India SBI Platinum Card vs. JetPrivilege HDFC Bank Diners Club Card

Consider this if you are interested in a primary card to also use for travelling rewards

Age Requirement 21-60 (65 if self-employed)
Annual Income Requirement None listed by issuer

The JetPrivilege HDFC Bank Diners Club Credit Card is a great travel option that provides excellent rewards with InterMiles or Etihad Airways. The JP HDFC Bank Diners card earns a solid rewards rate of 4.8% (16 points per Rs. 150, 1 point = 1 InterMile = Rs. 0.45) for all bookings made on the InterMiles platform. Additionally, the card offers a great 6.0% rewards rate (20 InterMiles per Rs. 150) on all Etihad Airways bookings with discounts up to 10% on tickets. These are great, but still lower than the Platinum Card’s 6.75% rewards rate for Air India bookings. On the other hand, for general spending, the JetPrivilege Card offers a much higher rewards rate of 2.4% (8 points per Rs. 150) than the Platinum Card's 0.90%. However, the JetPrivilege Card also incurs a higher fee (Rs. 5,000) than the Platinum Card (Rs. 1,499). As a result, the JetPrivilege Card is great for versatility; however, the Platinum Card is great for a low-fee card with solid Air India rewards.

Air India SBI Signature Card vs. Standard Chartered Yatra Platinum Card

Consider this if you prefer to book your travels on Yatra and like cashback

Age Requirement 21-65
Annual Income Requirement None listed by issuer

The Standard Chartered Yatra Platinum Card is the best Yatra rewards card in our review. The card offers cardholders 10% cashback on all travel bookings (including hotels) as well as a 0.95% rewards rate (4 points per Rs. 100, 1 reward point = 0.53 InterMiles). Due to the 10% cashback offered by the Yatra Card, the card offers more than the 6.75% rewards rate earned by the Air India Platinum Card. Further, Yatra is a more versatile platform that does not tie cardholders to one specific airline (i.e. Air India). Both cards have low general spending rates, but the Yatra Card offers a lower Rs. 499 annual fee than the Air India Card (Rs. 1,499). Therefore, the Yatra Card is a better, more versatile card, whereas the Air India Card is more attractive for Air India or SBI loyalists.

Sahmi Chowdhury

Sahmi is a Junior Research Analyst specialising in credit cards and insurance in India. He previously worked in the financial services sector at Brown Brothers Harriman and True Capital Management.