SBI Platinum Card
CancelSBI's ₹2,999 lifestyle card before PRIME existed — and a Priority Pass card that charged you at the door.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: An e-gift voucher worth ₹3,000 from Yatra, Jabong, Marks & Spencer, Westside or Shoppers Stop
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹50,000 a month
At ₹50,000 a month — ₹6,00,000 a year — on the everyday mix this card returns ₹3,000 gross (earn ₹3,000) against its ₹2,999 fee = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
SBI Reward Points are four to the rupee against the rewards catalogue — ₹0.25 a point, floor and ceiling. They reach no airline, no hotel and no transfer partner.
The take
This was SBI's mid-premium card for most of the 2010s, the slot SBI Card PRIME occupies today, and it is a useful lesson in reading a benefit sheet. The reward maths were fine: 2 Reward Points per ₹100 base, five times that on dining, groceries, departmental stores and international spend — 2.5% at SBI's four-points-to-the-rupee rate — with the accelerated tap capped at 40,000 points a year, so roughly ₹4 lakh of qualifying spend. A ₹3,000 welcome voucher, ₹3,000 more at ₹4 lakh and at ₹5 lakh of annual spend, and another ₹3,000 renewal voucher for crossing ₹2 lakh. Against that, a fee no amount of spending reversed, 3.5% forex, and the trap: the "complimentary Priority Pass membership worth $99" cost US$27 plus tax every single time you used it. A membership is not a visit, and SBI never pretended otherwise in the fine print. PRIME replaced it, at the same ₹2,999, with a fee reversal at ₹3 lakh and visits that are actually free. If SBI still bills you for this one, that is the card to move to.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹2,999/yr at stake · 5 spend bands
The charge ₹2,999/yr
Break-even ₹50,000 a month — ₹6,00,000 a year — is where this card's value crosses its fee.
At your spend
−₹1,500 a year, net of the fee, at ₹3,00,000 of annual spend
₹0 a year, net of the fee, at ₹6,00,000 of annual spend
₹3,000 a year, net of the fee, at ₹12,00,000 of annual spend
₹15,000 a year, net of the fee, at ₹36,00,000 of annual spend
₹27,000 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
SBI Card publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 3 Aug 2026 SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programme issuer-wide
- 31 Mar 2026 SBI kills both Etihad Guest co-brands and force-swaps holders into MILES issuer-wide
- 10 Jan 2026 SBI Card splits domestic lounges into tiers, adds entry fees issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 5X Reward Points on dining, groceries, departmental stores and international spend — 2.5%, capped at 40,000 points a year
- ₹3,000 welcome voucher, and ₹3,000 more at each of ₹4 lakh and ₹5 lakh of annual spend
- A ₹3,000 renewal voucher for crossing ₹2 lakh of spend in the previous year
- Green-fee discount of 30% at more than 300 golf courses worldwide
Watch out
- Withdrawn — the card is absent from SBI's 67-record product catalogue and from both its Key Fact Statement and its MITC fee table, so it is not even billed any more
- ₹2,999 every year with NO spend-based reversal — the Fees tab publishes no reversal clause at all
- The Priority Pass membership was complimentary; each entry cost US$27 plus tax, so it bought no free visit
- 3.5% foreign-currency markup, and the 5X international rate does not offset it
- Reward Points are fixed at four to the rupee and reach no airline or hotel programme
What these points actually fly
No live transfer route takes SBI Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. SBI Card removed the product page and the card appears in none of the documents SBI maintains today. SBI Card PRIME is the live product in this slot, at the same ₹2,999 but with the renewal reversed at ₹3 lakh of annual spend.
SBI Card publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 3 Aug 2026SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programmeSBI Card Travel Credits transferred 1:1 into Etihad Guest, one of eighteen airline partners in §3 of the MILES rewards T&C. At the ₹1/partner-mile anchor that was a full-value exit, and it was the only route left after the two Etihad Guest SBI co-brands were retired. → No Etihad route at all. The MILES rewards T&C now lists seventeen airline partners and Etihad is not one of them — the word does not appear anywhere in the seven-page document. Every other SBI partner survives at the same ratio.
SBI Card's own MILES rewards T&C, re-fetched on 22 August 2026 and carrying a 3 August 2026 ModDate inside the PDF, has one fewer airline in it than the edition this desk read on 2 August. The deletion is provable from the numbering rather than from absence alone: the table's first seven rows are unchanged (Air Canada 3, Air France-KLM 4, Air India 5, British Airways 6, Cathay 7), and every row from position eight onward has moved up exactly one — Thai from 14 to 13, Qantas from 17 to 16. Position eight was Etihad Airways / Etihad Guest / 1:1. All twenty-four other partners we carry, airline and hotel, are still there at the same ratios, so this is Etihad being dropped and not SBI narrowing transfers. The timing matters more than the ratio. SBI phased out the Etihad Guest SBI and Etihad Guest SBI Premier cards from December 2025 and reissued holders onto MILES products, and the transfer route was what made that migration survivable — a Premier holder who had spent six years earning Etihad miles could keep feeding the same account through Travel Credits. That is now closed, and India's remaining pipes into Etihad Guest run through BOBCARD's Etihad co-brands, not through SBI. If you hold SBI Travel Credits earmarked for an Abu Dhabi business seat, they are Aeroplan, Flying Blue, Avios or Maharaja points now. ON THE DATE: SBI publishes no notice and no cut-off. The date here is the day the desk read the change out of SBI's own document; the PDF's internal ModDate puts the edition at 3 August 2026, which is the earliest day we can prove, not an announcement.
- 1 Jul 2026PhonePe SBI SELECT BLACK stops paying on UPI outside PhonePe
- 1 Jul 2026PhonePe SBI PURPLE stops paying on UPI outside PhonePe
- 31 Mar 2026SBI kills both Etihad Guest co-brands and force-swaps holders into MILES
- 9 Mar 2026Paytm SBI Card stops earning on school and education spends
- 9 Mar 2026Paytm SBI Card SELECT stops earning on school and education spends
- 10 Jan 2026SBI Card splits domestic lounges into tiers, adds entry fees
- 1 Dec 2025SBI discontinues the OLA Money card and moves holders onto a house card
Every SBI Card change we've dated → 19 events since 1998, 13 of them nerfs — worst year 2025.
Verified against SBI Card's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 7 of them, each with the day we read it
- official SBI Card's own SBI Platinum Card product page, archived 15-Apr-2016 — the fee pair, the capped 5X tap, the voucher ladder and the US$27 Priority Pass door charge
- official SBI's own 67-card product catalogue — this card is not in it, and neither fee document carries a row for it either
- official Oriental Bank of Commerce SBI Platinum Credit Card (archived 15-Apr-2016) — ₹2,999, the same ₹3,000 welcome and renewal vouchers, 5X tap capped at 40,000 points and pay-per-entry Priority Pass
- official Lakshmi Vilas Bank SBI Platinum Credit Card (archived 15-Apr-2016) — ₹2,999 and the identical welcome, milestone, 5X, golf and Priority Pass clauses
- official BMB Platinum Credit Card (archived 15-Apr-2016) — ₹2,999 joining and annual, and the same welcome, milestone, 5X and Priority Pass clauses as this card
- official SBI's secured co-brand discontinuation FAQ (archived 04-Jul-2022) — what an FD-backed partner-bank edition was, and what happened to the deposit when the programme closed
- official SBI Bank of Maharashtra Platinum Card on SBI's pre-migration host (archived 19-Jul-2011) — ₹2,999 joining and annual, and the Kingfisher-era welcome, milestone, 5X and golf clauses verbatim