Important Messages

• Be our guest at leading Indian airports
• Enjoy the complimentary Visa Lounge Access Program at major domestic airports. For details, click here
• 8 complimentary visits per year to Domestic VISA Lounges in India (Max. 2 visits per quarter)

• Enjoy complimentary lost card liability cover of Rs. 1 lakh
• This cover is applicable from the period of 48 hours prior to reporting of loss till 7 days post the reporting of loss

• Withdraw cash from over 1 million Visa ATMs worldwide, including over 18,000 Visa ATMs in India and more than 10,000 State Bank ATMs spread across 100 cities in India

• Accepted at over 2 million Visa outlets worldwide and over 2,85,000 outlets in India

• Empower your family by applying for add-on cards for your spouse, parents, children or siblings above the age of 18

• Get your Air India SBI Platinum Card replaced anywhere in the world
• 24x7 helpline for emergency card replacement even while travelling abroad. Click here for Visa helpline numbers
• In case your card is lost in India, please call
  • Dial 39 02 02 02 (prefix local STD code) or 1860 180 1290

• Never miss the due date for paying your electricity, insurance, telephone and other utility bills, with the Easy Bill Pay facility on your card
• Click here to know more

• With Flexipay, convert your transactions in easy monthly installments. Make any purchase worth Rs. 2,500 or more and log on to sbicard.com within 30 days to convert it into Flexipay
• Click here to know more

• Transfer the outstanding balance of other bank’s credit cards to your Air India SBI Platinum Card, to avail a lower rate of interest and pay in EMIs
• Log on to sbicard.com with your user ID and password to book Balance Transfer on EMI today

• With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep

• With your Air India SBI Platinum Card, you can book railway tickets online and get them delivered at your doorstep
• Go to irctc.co.in and follow the below steps:
  • Register free of cost
  • Log in with your user name and password
  • Follow instructions on the website to make your reservations
  • Make payments through your SBI Card at the payment gateways that accept a Visa Card
  All transactions on irctc.co.in are governed by the terms and conditions of irctc.co.in

• Annual Fee, one time: Up to Rs. 1,499
• Renewal Fee, per annum:  Rs. 1,499 from second year onwards
• Add-on fee, per annum: Nil

• Interest free credit period: 20-50 days, applicable only on retail purchases and if previous month’s outstanding balance is paid in full
• Finance charges: Up to 3.35% per month, accounting to 40.2% per annum, from the date of transaction
• 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)

• Cash advance limit: Up to 80% of the credit limit, maximum Rs. 15,000 per day
• Free credit period: Nil
• Finance charges: Up to 3.35% per month accounting to 40.2% per annum from the date of withdrawal

• SBI or other ATMs: 2.5% of withdrawal or Rs. 500 per transaction, whichever is higher
• International ATMs: 2.5.0% of withdrawal or Rs. 500 per transaction, whichever is higher

• Cash Payment Fee: Rs. 100
• Cheque Fee: Rs. 100 (Payments made via cheque upto Rs. 10,000)
• Payment Dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 450
• Statement retrieval: Rs. 100 per statement that is more than 2 months old
• Late payment:
  • NIL for Total Amount due from Rs.0-Rs.200;
  • Rs. 100 for Total Amount due greater than Rs. 200 & up to Rs. 500;
  • Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000;
  • Rs. 600 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000;
  • Rs. 800 for Total Amount due greater than Rs. 10,000 & up to Rs. 25,000;
  • Rs. 950 for Total Amount due greater than Rs. 25,000
• Overlimit: 2.5% of overlimit amount subject to a minimum of Rs. 500
• Card replacement: Rs. 100
• Card replacement, when abroad: Nil
• Foreign currency transaction: Conversion mark up - 3.5%
• Dynamic Currency Conversion: Markup Fee: 3.50% (For All Cards Except Elite) 1.99%(For Elite Cardholders Only) (Only for transactions greater than or equal to Rs. 1,000)
• Rewards redemption fee: Up to Rs. 99. Nil for redemption on Air India Miles
• Priority Pass Lounge Charges : All Airport Lounge visits within India through the Priority Pass Program will be charged with an 19 usage fee of $27 per visit + applicable taxes. All Airport Lounge visits outside India through the Priority Pass Program, after exhausting the complimentary visits, will be charged with an usage fee of $27 per visit + applicable taxes. For more details, please visit sbicard.com All guests being accompanied by the SBI Cardholder having the Priority Pass, to visit the Airport Lounge will be charged with an usage fee of $27 per visit + applicable taxes.

• Railway tickets through counters: Rs. 30 + 2.5% of transaction amount
• Railway tickets through irctc.co.in: 1.8% of transaction amount + service charge, as applicable
• Petrol and other products or services sold at petrol pumps: 1% fuel surcharge waiver for each transaction between Rs. 500 & Rs. 4,000, exclusive of all applicable taxes, wherever applicable, and all other charges. Maximum surcharge waiver of Rs. 250 per statement cycle, per credit card accounts.
• Payment of customs duty: 2.25% of transaction amount, minimum of Rs. 75

All taxes would be charged as applicable on all the above Fees, Interest & Charges.

All payments made for a cardholder account will be settled in the order of Minimum Amount Due (which is inclusive of all applicable taxes + EMI on EMI based products + 5% of Total Outstanding), Fees & Other Charges, Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.