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South Indian Bank
SIB SBI Platinum
Visa
SIB SBI Platinum
A co-branded premium card with Priority Pass lounge access and welcome gift — ideal for business travelers and premium spenders.
Annual fee
₹2,999
Joining fee
₹2,999
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in dining, travel. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 2 complimentary domestic airport lounge visits per calendar quarter via the Visa Airport Lounge Access Programme
- International lounge access: Complimentary Priority Pass membership; usage fee of US$27+VAT per visit applies
Benefits by category
- 🍽️ Dining & food delivery
2.5% reward rate
- 🛒 Groceries
2.5% reward rate
- ✈️ Travel
Priority Pass complimentary membership (US$27/visit fee waived)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on eligible fuel transactions
- Cash advance charges: 2.5% of the withdrawn amount or ₹300, whichever is higher
Benefits
- Priority Pass complimentary membership (US$27/visit fee waived)
- ₹3,000 welcome gift voucher on first payment
Pros
- + Priority Pass membership included
- + ₹3K welcome voucher
- + 10X rewards on partner merchants
Cons
- − High annual fee (₹2,999)
- − Fee waiver threshold not disclosed