Affluent Co-Branded Platinum Card with Domestic Lounges & ₹2L Spend Waiver
South Indian Bank customers looking for domestic airport lounge comfort, grocery points acceleration, and accessible spend waivers.
₹2,999
One-time upfront₹2,999
Waived on ₹2 lakh annual spend2 Reward Points per Rs. 100 on other retail spends
On eligible spends2 Domestic visits/quarter
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The South Indian Bank SBI Platinum Card delivers proven Platinum-tier privileges to South Indian Bank clientele. With an annual fee of ₹2,999 plus GST (reversed upon spending ₹2,00,000 annually), it welcomes cardholders with ₹3,000 in shopping vouchers from top retail brands, completely recovering the initial fee. Cardholders receive 2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually) across primary Indian terminals. The card delivers 10 reward points per ₹100 on dining, groceries, and international spends, providing a 2.5% effective reward return on essential categories. With standard fuel surcharge waiver and nationwide merchant acceptance, the SIB SBI Platinum card is a dependable daily payment instrument.
Cardholders receive 8 complimentary domestic airport lounge visits per calendar year, capped at 2 visits per quarter under SBI Set B.
Complimentary Priority Pass membership for 2 years. Standard per-visit lounge usage charges apply.
Earn 10 Reward Points for every Rs. 100 spent on Dining, Groceries, Departmental Stores, and International transactions.
1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, capped at Rs. 250 per statement cycle.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Dining, Departmental Stores & International Spends | 5X Reward Points (1.25% return) | No Cap | Standard terms apply |
| All Other Retail Spends | 2 Reward Points per ₹100 spent (0.5% return) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Dining, Departmental Stores & International Spends | ₹12,000 | 5X Reward Points (1.25% return) | — | None | Calculating... | Under cap |
| All Other Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent (0.5% return) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹2,999
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Salaried professionals with monthly income over ₹35,000 or self-employed with ITR over ₹5 Lakhs; age 21 to 65 years. • Joining & Annual Fee: ₹2,999 + GST; annual renewal fee waived on annual retail spends of ₹2,00,000. • Welcome Benefit: ₹3,000 e-gift voucher from Yatra, Bata, Shoppers Stop, or Pantaloons within 30 days of joining fee payment. • Airport Lounge Privileges: 2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually) via Visa/Mastercard. • Rewards Acceleration: 10 reward points per ₹100 on dining, groceries, and international spends; 2 reward points per ₹100 on other retail spends. • Spend Waiver Milestone: Annual fee reversed upon achieving eligible retail spends of ₹2,00,000 or more during the card year. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 (maximum waiver ₹250 per statement).
Evaluate whether this card's perks and waiver threshold justify its ₹2,999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding South Indian Bank SBI Platinum Card application, fees, reward redemption, and eligibility
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Direct online application on the official SBI Card portal with paperless verification.
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