SBI Air India Platinum Card – Travel Rewards & Benefits

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Features of SBI Air India Platinum Credit Card

Welcome and Anniversary Benefits:
Welcome Gift: Receive 5,000 reward points upon payment of the joining fee, credited within 15 days of the fee posting.
Anniversary Gift: Earn 2,000 reward points annually upon card renewal.
Reward Points Program:
Air India Spends: Earn up to 15 reward points for every ₹100 spent on Air India tickets booked through the Air India website, mobile app, booking offices, or call centers. (Effective from March 31, 2025, this will be revised to 5 reward points per ₹100).
General Spends: Get 2 reward points for every ₹100 spent on other categories.
Bonus Reward Points: Accumulate up to 15,000 bonus reward points annually based on spending milestones.
Conversion to Air Miles: 1 reward point equals 1 Air India Air Mile (Maharaja Points). Minimum 5,000 reward points required for conversion, in multiples of 5,000. Conversion takes 7 working days, and the miles are valid for 24 months.
Reward Rate: Up to 6.75% rewards rate on Air India spends (15 points per ₹100, with 1 point = ₹0.45) and 0.90% on general spends (2 points per ₹100).

Complimentary Lounge Access: Enjoy 8 complimentary visits per year to domestic Visa lounges in India, limited to 2 visits per quarter.
Also receive complimentary membership to Air India’s Flying Returns frequent flyer program, boosting your ability to earn and redeem miles.
Fuel Surcharge Waiver: Cardholders receive a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at petrol pumps across India, with a maximum waiver of ₹250 per statement cycle. This benefit adds value for those who frequently drive.
Flexipay Facility: Transactions of ₹2,500 or more can be converted into easy monthly installments through the Flexipay facility within 30 days of purchase. Additionally, cardholders can transfer outstanding balances from other credit cards to the Aurum card at a lower interest rate, repayable in EMIs.
Easy Bill Pay Facility: Set standing instructions to pay utility bills such as electricity, insurance, and telephone bills on time, helping avoid late penalties.
Add-on Cards: Cardholders can extend benefits to family members by issuing add-on cards for parents, spouses, children, or siblings above 18 years. Add-on cardholders also enjoy complimentary domestic lounge access, enhancing the card’s family-oriented value.
Easy Money Facility: The Encash facility provides instant cash with EMI repayment options, offering financial flexibility. This can be useful for emergency cash needs and is delivered to your doorstep.
Lost Card Liability Cover: Enjoy complimentary lost card liability cover of ₹1 lakh, applicable from 48 hours before to 7 days after reporting the loss to SBI Card, offering peace of mind in case of theft or loss.
Global Acceptance: The card enables cash withdrawals from over 1 million ATMs worldwide and is accepted at over 2 million Visa outlets globally, including 285,000 in India.
Emergency Card Replacement: Access a 24/7 helpline for emergency card replacement worldwide, ensuring continuity and convenience during travel emergencies.
Balance Transfer on EMI: Outstanding balances from other credit cards can be transferred to the SBI Aurum Credit Card at a lower interest rate with EMI repayment options, helping consolidate and manage debt more efficiently.
Exclusive Rewards & Redemption: Earn 4 points per ₹100 spent on domestic transactions and 8 points per ₹100 on international spending. Points never expire and can be redeemed for vouchers, flights, hotels, and more via the Aurum Rewards Portal. Each point is valued at ₹0.25.
Fees and Charges: Joining/Annual Fee: ₹9,999 + GST (waived on ₹12 lakh annual spend). Interest Rate: Up to 3.75% per month (45% p.a.) Cash Advance Charges: 2.5% of the amount (min ₹500) Late Payment Charges: Range from ₹100 to ₹600 depending on total amount due.
Card Suitability: Best suited for high spenders and luxury travelers. With milestone benefits, travel perks, unlimited lounge access, and concierge support, the SBI Aurum card is a super-premium offering for those who want top-tier privileges and reward flexibility.

Benefits of SBI Air India Platinum Credit Card

Welcome and Joining Benefits:
- Welcome Bonus: Receive 5,000 reward points upon payment of the joining fee, credited within 15 days of the fee posting. These points can be converted to Air India Air Miles for flight redemptions.
- Anniversary Bonus: Earn 2,000 reward points annually upon card renewal, providing a recurring benefit for continued card usage.
Accelerated Reward Points Program:
- Air India Spends: Earn up to 15 reward points for every ₹100 spent on Air India tickets booked through Air India’s website, mobile app, booking offices, or call centers. (Effective March 31, 2025, this will reduce to 5 points per ₹100).
- General Spends: Get 2 reward points for every ₹100 spent on other categories such as dining, shopping, or utility bills.

Generous Reward Structure: The card offers a base reward rate of 1%, earning 4 reward points for every ₹100 spent across most categories, including travel, dining, and shopping.
Monthly Milestone: Spending ₹1 lakh in a month earns a ₹1,500 Tata CLiQ voucher, applicable for 10 months annually, totaling ₹15,000 in vouchers.
Annual Milestones: Spending ₹5 lakh annually grants a ₹5,000 Tata CLiQ Luxury voucher, redeemable at premium brands like GAS, Hamleys, and Giorgio Armani.
Reward Rate Optimization: For cardholders spending ₹20 lakh annually and hitting monthly milestones every month, the effective reward rate can reach 3.6%.
Flexible Redemption Options: Reward points can be redeemed through the Aurum Rewards Portal for:
E-Gift Vouchers: Includes Amazon, Flipkart, and luxury brand vouchers, offering near-cash equivalent value.
Travel Bookings: Flights and hotels booked via the portal provide flexibility for frequent travelers.
Airline Miles: Points can be transferred to partner airlines like Club Vistara, enhancing travel rewards. A nominal redemption fee of ₹99 applies, which can also be paid using points.
Unlimited International Lounge Access: Cardholders enjoy unlimited complimentary access to over 1,000 international airport lounges via the DreamFolks membership. One guest per quarter also receives free access.
Complimentary Domestic Lounge Access: Four complimentary domestic lounge visits per quarter, applicable to both primary and add-on cardholders. Additional visits are charged at actual usage fees plus taxes.
Low Forex Markup Fee: A foreign currency markup fee of 1.99% on international transactions, making the card cost-effective for overseas spending.
Travel Insurance Coverage: The card provides robust travel-related insurance:
Air Accidental Death Coverage: Up to ₹3.5 crore in case of an air travel mishap.
Flight Cancellation Benefits: ₹3,500 for refundable tickets and ₹3,000 for non-refundable tickets, claimable twice annually.
Travel Insurance: Covers flight delays and loss of goods or baggage up to ₹1 lakh.
Complimentary Movie Tickets: Cardholders can avail four free movie tickets per month via BookMyShow, with a maximum value of ₹250 per ticket, totaling ₹1,000 monthly or ₹12,000 annually.
Golf Privileges: 16 Complimentary Rounds and 12 Complimentary Lessons annually at select golf courses for cardholders who enjoy the game.
Dedicated Concierge Services: 24/7 concierge service assisting with travel bookings, dining reservations, and more. Cardholders can also authorize a secretary to interact with SBI Card on their behalf.
Fuel Surcharge Waiver: 1% waiver on ₹500–₹4,000 transactions (max ₹250/month).
Flexipay and EMI Options: Transactions of ₹2,500 or more can be converted into easy monthly installments. Balance Transfer on EMI allows transferring outstanding balances from other cards at a lower interest rate.
Cash Access and Encash Facility: Cash withdrawal from over 1 million ATMs worldwide subject to a 2.5% transaction fee or ₹500, whichever is higher. Instant cash with EMI repayment options available through Encash facility.
Enhanced Security: Chip-and-pin enabled card offering protection against counterfeiting. Fraud liability coverage up to ₹10 lakh ensures financial security in case of unauthorized transactions.
Add-On Cards for Family: Available for family members (18+), offering access to benefits like lounge access and reward points.
Exclusive Dashboard: A dedicated Aurum dashboard on SBI Card Net Banking provides details on benefits, redemption options, and account information.
Global Acceptance: Accepted at over 24 million outlets worldwide, including 3,25,000 in India.

How to Apply for SBI Air India Platinum Credit Card

Step 1: Check for an Invitation
SBI Aurum is an invite-only credit card. Invitations are sent via email, SMS, or through SBI Relationship Managers to select customers based on:
• High spending patterns on existing SBI cards.
• Strong banking relationship with SBI.
Follow the instructions in the invitation to proceed.
Step 2: Express Interest (If Not Invited)
If you haven’t received an invitation:
• Visit aurumcreditcard.com and fill out the “Express Interest” form with your details.
• Or log in to SBI Card website/app and check the “Offers” or “Upgrade” section.
• Alternatively, contact your SBI Relationship Manager to escalate your request.
Step 3: Submit Required Documents
Once eligibility is confirmed or invitation is received, submit:
Identity Proof: PAN, Aadhaar, Passport, etc.
Address Proof: Aadhaar, Passport, Utility bills, etc.
Income Proof:
• Salaried: Recent salary slips, Form 16, bank statements.
• Self-Employed: Latest ITR, audited financials, bank statements.
Other: Recent photograph, self-attested KYC copies, existing SBI card details (if any).
Upload via DigiLocker, SBI KYC Upload portal, or submit manually.
Step 4: Application Review and Approval
SBI evaluates your credit profile, income, and account relationship. You may be contacted for additional documents. Approval generally takes 3–7 days.
Step 5: Track Application Status
Track your status via SBI Card account or Aurum website.
You can also contact customer care or your relationship manager.
Step 6: Card Delivery and Activation
Once approved, the card is delivered within a week.
Activate using:
• SBI Card App
• SBI Card Net Banking
• Activation link via welcome email
Tips to Increase Approval Chances
• Maintain a credit score above 750
• Strengthen your SBI account and credit card usage history
Important Considerations
• Annual Fee: ₹9,999 + GST (waived on ₹12 lakh annual spend)
• Reward Points: 40,000 points on approval (worth ₹10,000)
• KYC Compliance: Ensure your KYC is updated as per RBI norms
• Processing Time: Invite to card delivery may take 1–2 weeks
Step 7: Check for Pre-Approval Offers
If you have an existing SBI credit card, check for pre-approved offers for an upgrade to the SBI Aurum card. Sometimes, customers with a solid credit history with SBI are pre-qualified for this premium card.
Visit the SBI Card website or contact your Relationship Manager for more details.
Step 8: Consider Additional Benefits During Application
When applying, take into account the exclusive benefits such as access to international lounges, premium concierge services, and personalized credit limits. These perks can add significant value to your overall application experience.

Eligibility Criteria for SBI Air India Platinum Credit Card

Income Requirements:
- Minimum ₹40 lakh annual gross income required.
- ₹30 lakh may be considered in special cases depending on credit history and SBI relationship.
- High income reflects premium benefits and ₹9,999 (plus taxes) annual fee.
Income Verification:
- Salaried: Last 3 months’ salary slips and bank statements.
- Self-Employed: ITRs for past 2 years, bank statements, audited balance sheets.
Age Criteria:
- Salaried: 21 to 60 years.
- Self-Employed: 25 to 60 years.
Credit History:
- Minimum credit score: 750+.
- No defaults or settlements in credit history.
- Low credit utilization (<30%) and timely repayments are essential.
Relationship with SBI:
- Existing SBI cardholders (e.g., Elite, Prime) preferred for upgrades.
- Strong banking relationship with high average balance increases chances.
- Preferred existing card limit: ₹2.5 lakh or more.
Employment Type:
- Salaried: Employed with MNCs, PSUs, or reputed companies; may require employment proof.
- Self-Employed: At least 2 years business continuity with proper registration and income proof.
Documentation:
- KYC: PAN (mandatory), Aadhaar, Passport, Voter ID.
- Address Proof: Aadhaar, Utility Bill, Rental Agreement, Passport.
- Income Proof: Salary slips, ITRs, Bank statements.
- Business Proof (Self-Employed): GST, Registration documents, Financial statements.
- Photos: 2–3 recent passport-sized photographs.
Residency & Nationality:
- Indian residents only; valid and serviceable address required.
- NRIs may be considered with NRI accounts and overseas proof.
Invite-Only Process:
- Available via invitation only – no direct application.
- Eligible customers are identified by SBI based on income, credit score, and relationship.
- Upgrade offers, offline outreach, and interest registration on aurumcreditcard.com are the main channels.
Special Considerations:
- Rare LTF (Lifetime Free) variant may be offered to students from IIMs like Ahmedabad, Bangalore, or Calcutta.
Bank Discretion: SBI reserves the right to change eligibility criteria without prior notice.

Documents Required for SBI Air India Platinum Credit Card

Identity Proof (Any one):
- Aadhaar Card
- Passport
- Voter’s ID Card
- Driving License
- PAN Card
- Ration Card
Income Proof (Any one, based on occupation):
- Salaried Individuals:
  - Salary Slips (recent 3 months, showing salary credits and employer details)
  - Form 16 (latest, issued by the employer for the previous financial year)
  - Salary Certificate (issued by the employer, stating monthly or annual income)
- Self-Employed Individuals:
  - Latest Income Tax Return (ITR) with computation of income (for the previous 1–2 years)
  - Audited Financial Statements (Profit & Loss statement and Balance Sheet, if applicable)
  - Business Continuity Proof (e.g., GST registration, shop license, or professional certificate for doctors/lawyers)
- Pensioners:
  - Pension Statement (recent 3 months, showing regular pension credits)
  - Bank Statement (reflecting pension deposits, not older than 3 months)
- General:
  - Bank Statement (recent 3–6 months, showing consistent income credits, mandatory for self-employed and optional for salaried)
Address Proof (Any one):
- Aadhaar Card
- Passport
- Utility Bills (electricity, telephone, or gas, not older than 3 months)
- Bank Passbook (with recent transactions, stamped by the bank)
- Ration Card
- Letter from a recognized public authority (e.g., government official or employer)
- Registered Rental Agreement (with a utility bill in the applicant’s name)
Passport-Sized Photographs: Two recent color photographs (size: 35mm x 45mm, with a white background).
Application Form: A duly filled and signed credit card application form, available on the SBI Card website or at SBI branches.
Add-on Card Documents (if applicable): Identity Proof (e.g., Aadhaar Card, Passport) and age proof (e.g., Birth Certificate, Aadhaar) for add-on cardholders (spouse, parents, children, or siblings above 18 years).
Additional Documents for NRIs (if applicable):
- Valid Passport
- Visa or Work Permit
- Overseas address proof (e.g., bank statement or government-issued ID)
- Proof of income (e.g., salary slips or foreign tax returns)
- OCI/PIO Card (if applicable)
- Attestation by Indian consulate or foreign notary (for non-FATF countries)
Document Submission Guidelines:
- Online Submission: Scanned copies or clear photographs of documents uploaded via the SBI Card website or third-party platforms (e.g., MyMoneyMantra, Paisabazaar).
- Offline Submission: Physical copies (photocopies or self-attested originals) submitted at an SBI branch or to a credit card representative.

Factors Affecting SBI Air India Platinum Credit Card

Eligibility Criteria: Applicants must be aged 21–70, with add-on cardholders aged 18+. Minimum monthly income of ₹33,000 (salaried) or ₹4 lakh annual income (self-employed). CIBIL score of 700+ is mandatory. Only resident Indian citizens are eligible.
Documentation: Required documents include Aadhaar, PAN, passport-sized photos, salary slips/ITR, and address proof. Self-employed applicants must show business continuity documents. SBI customers may skip resubmission of some documents.
Financial Implications: Joining fee and annual fee of ₹1,499 + GST (non-waivable). High interest rates (up to 3.75% monthly), cash advance charges, and 3.5% forex markup. Designed for financially stable, disciplined spenders.
Rewards and Benefits: 5,000 welcome points, 2,000 anniversary bonus. Up to 15 points/₹100 on Air India bookings (5 points from March 31, 2025), 2 points/₹100 on other spends. Lounge access (8 domestic/year), fuel surcharge waiver, Flexipay EMI, and ₹1 lakh lost card liability cover.
Application Process: Apply online via SBI Card or partners (MyMoneyMantra, Paisabazaar) or offline at SBI branches. Includes document upload, credit checks, and telephonic verification. Processing time: 7–14 working days.
Target Audience and Suitability: Best for regular Air India travelers, domestic frequent flyers, and middle to upper-middle income professionals with high creditworthiness. Less suitable for infrequent travelers or those wanting international perks or flexible rewards.
Limitations and Drawbacks: No international lounge access, limited redemption (Air India miles only), reduced reward rates post-March 2025, non-waivable annual fee, and lower reward rate (0.90%) on general spends. High interest on unpaid balances.
Discontinuation: No new applications accepted post-March 2025. Likely due to SBI’s strategic shift, partnership changes, or low demand. Existing cardholders can continue usage, but new users must explore alternatives like SBI ELITE or HDFC Regalia.
Air India Miles Redemption: Points can be redeemed for Air India miles, ideal for frequent travelers. However, rewards may not be as beneficial for users who rarely fly Air India.
Credit Limit: The credit limit depends on the applicant's income, credit score, and financial stability. Generally higher for users with good credit history.
Eligibility for Add-On Cards: Add-on cards are available for family members aged 18 and above. They provide the same benefits as the primary cardholder.
Interest-Free Period: Up to 20-50 days, depending on the date of purchase and payment. Late payment will attract high interest rates and penalties.
Customer Support: 24/7 customer support is available via phone, email, or chat. Cardholders can contact the bank for queries, disputes, or service requests.
Special Promotions: Periodic promotional offers, discounts, and limited-time offers for Air India flights, hotel stays, and car rentals are available to cardholders.
Flexipay EMI Option: Cardholders can convert their high-value purchases into easy EMIs at attractive interest rates. This feature is especially useful for big-ticket items.
Air India Flight Booking Discounts: Exclusive discounts on Air India flight bookings for cardholders, especially on domestic routes. This benefit encourages more Air India bookings.
Cashback on Utility Bills: Some utility payments via the SBI Air India Platinum Card offer cashback benefits, providing more value for routine spending.
Global Acceptance: The card is accepted globally, making it a viable option for domestic and international travelers, though international perks are limited.
Personal Insurance: The card includes travel insurance benefits like flight delay cover and medical emergencies when traveling on Air India flights.
Emergency Card Replacement: Lost or stolen cards can be replaced quickly, and the cardholder will not be liable for fraudulent transactions once the card is reported.

Frequently Asked Questions (FAQs)

What is the Air India SBI Platinum Credit Card?

The Air India SBI Platinum Credit Card is a co-branded travel credit card offered by SBI Card in collaboration with Air India. It caters to frequent Air India travelers, offering rewards like up to 15 reward points per ₹100 on Air India spends (reduced to 5 points from March 31, 2025), 8 complimentary domestic lounge visits per year, and a 1% fuel surcharge waiver.

Can I apply for the Air India SBI Platinum Credit Card now?

No, SBI Card stopped accepting new applications for this card as of March 2025. Existing cardholders can continue using it, but new applicants should explore alternative travel credit cards like SBI Card ELITE or HDFC Regalia.

Who was eligible to apply for this card?

When available, eligibility criteria included:
Age: 21–70 years for primary cardholders; 18+ for add-on cardholders.
Income: Minimum monthly income of ₹33,000 (salaried) or ₹4 lakh annual income after tax (self-employed).
Credit Score: Minimum CIBIL score of 700.

What documents were required to apply?

Applicants needed:
Identity Proof: Aadhaar Card, Passport, Voter ID, Driving License, or PAN Card.
Income Proof: Salary Slips (3 months), Form 16, ITR, or Bank Statement (3 months).
Address Proof: Utility Bills (3 months), Aadhaar Card, Passport, or Bank Passbook.

What are the key benefits of the card?

Key benefits include:
- Welcome Bonus: 5,000 reward points upon paying the joining fee.
- Anniversary Bonus: 2,000 reward points annually.
- Reward Points: Up to 15 points per ₹100 on Air India spends (reduced to 5 from March 31, 2025); 2 points per ₹100 on other spends.

How do the reward points work?

Earning: 15 reward points per ₹100 on Air India spends until March 31, 2025, then 5 points; 2 points per ₹100 on other spends; up to 15,000 bonus points annually based on milestones.
Conversion: 1 reward point = 1 Air India Air Mile (Maharaja Points). Minimum 5,000 points required for conversion, processed in 7 working days.

What are the fees and charges?

- Joining Fee: ₹1,499 + GST (one-time).
- Annual Fee: ₹1,499 + GST (non-waivable).
- Interest Rate: Up to 3.75% per month (45% per annum) on unpaid balances.

How was the application process conducted?

When available, applicants could apply online via the SBI Card website or partners like Paisabazaar. The process included an eligibility check, form submission, document upload, and verification.

Why was the card discontinued?

SBI Card discontinued new applications in March 2025 due to a strategic shift toward broader lifestyle cards, changes in the SBI-Air India partnership after Air India’s privatization, and reduced demand compared to multi-airline travel cards.

Can existing cardholders continue using the card?

Yes, existing cardholders can continue using the card and enjoying its benefits, including reward points, lounge access, and fuel waivers, subject to the revised reward rate of 5 points per ₹100 on Air India spends from March 31, 2025.

How can I redeem reward points?

Contact the SBI Card helpline (1860 180 1290 or 39020202) to convert reward points into Air India Air Miles. A minimum of 5,000 points is required, in multiples of 5,000.

Is the annual fee waivable?

No, the ₹1,499 annual fee is non-waivable, unlike some competing cards that offer spend-based waivers.

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