Key Takeaways
- The original, generic SBI Platinum Credit Card has been discontinued - it is no longer open to new applications.
- "SBI Platinum" is also used as a name for several other, entirely different products - Air India SBI Platinum (also discontinued) and IRCTC SBI Platinum (still active) - and mixing them up is the most common source of confusion.
- A number of bank-partnership "SBI Platinum" co-branded cards (issued with KVB, South Indian Bank, Federal Bank, and others) still exist as running accounts, though new-applicant availability varies by partner bank.
- If you're searching for "SBI Platinum" hoping for lounge access, golf privileges or a general premium card, SBI's current lineup has direct replacements worth considering instead.
- Existing SBI Platinum cardholders aren't forced to close their card - discontinued just means no new applications, not that current cardholders lose the card.
Is SBI Platinum Credit Card Still Available?
No - not as a card you can newly apply for. The original SBI Platinum Credit Card, a general-purpose premium card carrying a ₹2,999 joining and annual fee, golf course access, and a Priority Pass lounge programme, has been discontinued by SBI Card. If you're seeing this card referenced on an older comparison site or forum post, that content is describing a product that's no longer open to new applicants.
This is worth stating plainly because a meaningful amount of content still online - old blog posts, aggregator pages that haven't been refreshed - describes this card's features as if it were currently available. If you've been comparing cards based on that information, it's worth knowing upfront that this specific option isn't actually on the table anymore.
The Confusion: "SBI Platinum" Refers to Several Different Cards
Part of what makes this topic genuinely confusing is that SBI has used "Platinum" as a name across multiple, unrelated card families over the years. Before assuming any "SBI Platinum" content applies to what you're looking for, it helps to know which one is actually being discussed:
| Card | Status | What It Actually Is |
|---|---|---|
| SBI Platinum Credit Card (generic/original) | Discontinued | General-purpose premium card - golf, Priority Pass, no specific co-brand partner |
| Air India SBI Platinum Credit Card | Discontinued | Co-branded travel card with Air India - separate product entirely |
| IRCTC SBI Platinum Credit Card | Active | Co-branded with IRCTC, built around railway ticket bookings |
| Bank-partnership "SBI Platinum" cards (e.g. KVB, South Indian Bank, Federal Bank, Karnataka Bank) | Existing accounts continue; new-applicant availability varies | White-label co-issued cards distributed through partner banks, structurally similar to SBI's PRIME tier |
If your interest is specifically the railway-travel card, that one is very much alive and well - see the full breakdown in our RuPay and UPI guide, which covers IRCTC SBI Platinum's fees, benefits and how it behaves on UPI in detail.
What the Discontinued Card Used to Offer
For context - and because a lot of search traffic is still looking for this specific information - here's what the original SBI Platinum Credit Card offered while it was active:
- ₹2,999 joining fee and ₹2,999 annual fee
- Complimentary access to roughly 200 golf courses worldwide
- Priority Pass lounge programme access, at a nominal per-visit fee
- A ₹3,000 welcome gift voucher
- A free one-way domestic flight for cardholders spending over ₹5 lakh in a year
- Reward points on supermarket, international travel and dining spends
None of this is available to new applicants today. Existing cardholders who still hold this card aren't necessarily forced to give it up - discontinuation typically means SBI has stopped issuing it to new customers, not that existing accounts are automatically closed - but benefit terms on legacy cards can also be revised or withdrawn over time, so current holders should check their own card's terms directly with SBI Card rather than assume the original benefit list still fully applies.
Why Was It Discontinued?
SBI hasn't published a detailed public explanation specific to this card, which is typical - banks routinely retire older product lines as they consolidate their card portfolio around newer, more clearly differentiated options. Given the timing and overlap, it's a reasonable read that a generic "premium card with golf and lounge access" became redundant once SBI built out its ELITE and PRIME tiers, which now serve that same broad premium-lifestyle segment with clearer positioning and more consistently updated benefits.
What to Apply for Instead
If you were specifically looking at SBI Platinum for its lounge access and general premium benefits, here's how SBI's current lineup maps onto that same need:
- SBI Card ELITE - the closest equivalent in spirit: unrestricted domestic lounge access, dining and movie benefits, at a higher but comparable premium fee tier.
- SBI Card PRIME - a step below ELITE, for someone who wants premium benefits without the higher fee commitment.
- IRCTC SBI Platinum - if railway travel specifically was the draw, this remains active and focused on that exact use case.
For a full breakdown of which SBI card fits which spending pattern, see Best SBI Credit Cards in India 2026: Top Pick by Category.
