Air India SBI Platinum Card

Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.

• Rewards rate: 2% base rate
• Travel: 10 reward points per Rs. 100 spent on Air India bookings, redeemable as Air India miles.
• Domestic lounge access: 4 complimentary domestic airport lounge visits per year (max 1 per quarter)

• ✈️ Travel

  5% reward rate · 4 complimentary domestic airport lounge visits per year (max 1 per quarter)

• ⛽ Fuel

  1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, max Rs. 250 per statement cycle

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum credit score: 700
• Minimum monthly income: ₹25,000
• Employment: salaried, self-employed
• Age: 21–65

• Spend-based waiver: Waived on annual spend of ₹3,00,000
• Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
• Foreign currency markup: 3.5%
• Interest rate: 42% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, max Rs. 250 per statement cycle
• Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.

• 5,000 welcome Reward Points on payment of the joining fee, plus complimentary Air India Maharaja Club membership
• 4 complimentary domestic airport lounge visits per year (max 1 per quarter)
• 5 Reward Points per Rs. 100 spent on Air India tickets (website, app, booking offices, call centres); points convertible to Air India Maharaja Points
• 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, max Rs. 250 per statement cycle